1991 Honda Civic Car Insurance Rates

Feel like you’re a prisoner to an overpriced insurance policy? Trust us when we tell you you’re not alone. Big companies like State Farm, GEICO and Farmers Insurance all promote huge savings with catchy ads and consumers find it hard to ignore the promise of big savings and do the work needed to find the best deal.

It is always a good idea to compare prices every six months due to the fact that insurance rates are variable and change quite frequently. Even if you think you had the best deal on Civic insurance a year ago you can probably find a lower rate today. Forget all the misinformation about insurance because you’re about to learn how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.

If you have a current insurance coverage policy or are looking for a new policy, you can use these techniques to reduce the price you pay and still get good coverage. Finding the best rates is not that difficult. Drivers just need to understand the most efficient way to compare price quotes online.

Automobile Insurance Quotes

Cutting your auto insurance rates isn’t really that difficult. Drivers just need to invest a little time to get quotes from different insurance companies. This is very easy and can be done in a couple of different ways.

  • Probably the best way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This easy form prevents you from having to do a different quote for each company you want a rate for. One simple form will get you price quotes from many national carriers.
  • Another way to analyze rates consists of going to each individual company website to complete their respective quote request forms. For example, we’ll assume you want comparison quotes from Auto-Owners, GEICO and Allstate. You would have to spend time on each company’s site and enter your policy data, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

  • The most time-consuming method to compare rates is to drive around to insurance agents’ offices. Shopping for auto insurance online has reduced the need for local agents unless you prefer the professional guidance of a local agent. Drivers can compare the best prices online and still use a local agent. We’ll cover that shortly.

It’s up to you how you get prices quotes, just make absolute certain that you use exactly the same coverage limits on every quote you get. If you compare unequal deductibles or liability limits you will not be able to find the best deal for your Honda Civic.

Your coverage should be tailored to you

When choosing adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might help in determining if you would benefit from an agent’s advice.

  • Why do I need rental car insurance?
  • Does my policy cover my teen driver if they drive my company car?
  • How high should deductibles be on a 1991 Honda Civic?
  • How can I get my company to pay me more for my totalled car?
  • Do I have coverage if my license is suspended?
  • Do I have newly-aquired coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • How much liability do I need to cover my assets?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

What auto insurance coverages do you need?

Knowing the specifics of your auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages offered by auto insurance companies.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for bills for rehabilitation expenses, prosthetic devices, surgery, doctor visits and dental work. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Honda Civic.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverages – This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like vandalism, a broken windshield and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverage – This can cover damage or injury you incur to people or other property that is your fault. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like emergency aid, repair costs for stationary objects, funeral expenses and pain and suffering. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Collision – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.