2002 Honda Civic Insurance Rates – 10 Tips for Best Quotes

Searching for cheaper insurance rates for your Honda Civic? Drivers fed up with high insurance quotes and are new to comparison shopping online are likely to discover buying affordable insurance is nearly impossible.

How to compare free auto insurance rate quotes

Most of the larger companies such as State Farm, Allstate and Geico give coverage price quotes direct online. Comparing rates online doesn’t take a lot of time as all you need to do is type in the coverages you want into the form. After the form is submitted, the company’s rating system automatically orders your driving and credit reports and gives you a price quote determined by many factors.

Being able to quote online helps simplify price comparisons, but the work required to visit each company’s website and repetitively type in the same data is monotonous and tiresome. But it’s absolutely necessary to have as many quotes as possible in order to get the best price possible.

The smarter way to locate the lowest prices uses one form to return rates from more than one company. It saves time, reduces the work, and makes online shopping a lot less work. Immediately after submitting the form, it gets priced with multiple companies and you can pick your choice of the quotes that you receive. If a lower price is quoted, it’s easy to complete the application and buy the policy. This process can be completed in a matter of minutes and may save quite a bit of money.

To find out how much you can save on auto insurance, click here and input your coverage information. If you have a policy now, it’s recommended you enter the coverage information as close as possible to your current policy. Using the same limits helps guarantee you are getting comparison quotes for similar insurance coverage.

Use discounts to get cheaper insurance quotes

Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically at quote time, but a few must be inquired about before you get the savings.

  • Homeowners Discount – Just being a homeowner can save a few bucks because it shows financial diligence.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you may have a lower total premium amount.
  • Multi-policy Discount – If you insure your home and vehicles with one company they may give you a discount of at least 10 to 15 percent or more.
  • Theft Deterent Discount – Cars with anti-theft systems can help prevent theft so companies will give you a small discount.
  • Multi-line Discount – Larger insurance companies have lower premium rates if you buy some life insurance in addition to your auto policy.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower insurance rates.
  • Club Memberships – Belonging to a civic or occupational organization could qualify you for a break when getting a insurance quote.
  • ABS Brakes – Cars and trucks that have steering control and anti-lock brakes have fewer accidents and therefore earn up to a 10% discount.
  • Buy New and Save – Adding a new car to your policy is cheaper compared to insuring an older model.
  • Responsible Drivers – Accident-free drivers can save up to 40% or more on their insurance quote on Civic coverage than drivers with accidents.

Don’t be shocked that some credits don’t apply to the entire cost. Most cut individual premiums such as comp or med pay. Just because it seems like you can get free auto insurance, it just doesn’t work that way.

Large insurance companies and some of their more popular discounts can be read below.

  • State Farm has discounts for Steer Clear safe driver discount, safe vehicle, defensive driving training, Drive Safe & Save, anti-theft, accident-free, and multiple policy.
  • Farmers Insurance offers discounts for bundle discounts, homeowner, business and professional, switch companies, and youthful driver.
  • Progressive includes discounts for continuous coverage, multi-vehicle, online quote discount, multi-policy, and good student.
  • Geico has savings for military active duty, multi-vehicle, emergency military deployment, anti-lock brakes, multi-policy, and defensive driver.
  • Auto-Owners Insurance discounts include anti-lock brakes, multiple vehicles, multi-policy, paid in full, safe driver, paperless, and safe vehicle.
  • The Hartford may include discounts for vehicle fuel type, driver training, bundle, defensive driver, good student, and anti-theft.
  • Farm Bureau may have discounts that include youthful driver, multi-vehicle, multi-policy, safe driver, 55 and retired, good student, and driver training.
  • USAA offers discounts including military installation, defensive driver, driver training, vehicle storage, good student, and multi-policy.

If you need lower rates, check with every company how many discounts you can get. Some credits may not apply to policyholders in your area. To view companies with the best discounts, click here.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining whether your personal situation would benefit from professional advice.

  • Do I need medical payments coverage since I have good health insurance?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What is UM/UIM insurance?
  • What if I total my 2002 Honda Civic and owe more than it’s worth?
  • Is my trailer covered?
  • Are rental cars covered under my policy?
  • Is other people’s property covered if stolen from my vehicle?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form.

Detailed coverages of your insurance policy

Learning about specific coverages of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Liability car insurance

This provides protection from damages or injuries you inflict on a person or their property. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like legal defense fees, medical services, pain and suffering, emergency aid and court costs. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM Coverage

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage protection

This pays for damage to your Civic resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with a tree, sustaining damage from a pot hole, damaging your car on a curb, crashing into a ditch and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as fire damage, vandalism and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for funeral costs, rehabilitation expenses and prosthetic devices. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comments About 2002 Honda Civic Insurance

  1. Otha Hoover

    I’ve bought from Allstate forever. Cheapest rates in South Burlington, VT.

  2. Manuel Mcmillan

    I’m in the suburbs of Owensboro, KY. I quoted with Liberty Mutual, Auto-Owners, Sentry, and a couple others for my Civic and am saving around $90 a year. Just waiting to see how claims go.

  3. Charmaine Terry

    I’m from Newark, DE. Got quotes with 21st Century, Auto-Owners, and some I forget for my 2002 Honda Civic and I’m now saving $19 a month. It’s easy to compare rates online now. I just carry liability insurance.

  4. Alyce Mcconnell

    I’m looking for cheaper coverage. I’m in the west part of Nashua, NH. Quoted with American Family, Sentry, and Travelers for my Civic and saved $115 a year. I have a teen driver too. You can get a rate quote online. Only insure liability on my Civic.

  5. Jolyn Mckee

    Any GEICO or Encompass customers near Salem, OR?

  6. Logan Cardenas

    Good detail in your article. I live in Cranston, Rhode Island. Compared rates from a lot of places. Saved right around $30 a month. State Farm was the cheapest for me. I have a teen driver too.

  7. Esther Wyatt

    Does GEICO do SR22s in Delaware?

  8. Denae Stout

    It all costs too much. Quoted with Nationwide for my Honda and cut my rates about $70 a year. Have a couple speeding tickets too.

  9. Danae Weber

    Affordable car insurance is a myth. Found cheapest coverage with Eastwood for my 2002 Honda Civic and am saving around $110 a year.