1992 Honda Civic Insurance Cost

Searching for better auto insurance rates for your Honda Civic? Paying for high-priced Honda Civic insurance can empty your personal savings, especially in this economy. Comparing price quotes is free and is an excellent way to tighten up your finances.

Insurance companies such as State Farm, Progressive and GEICO persitently shower you with catchy ads and it can be hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these tips. Buying car insurance is quite easy. Although drivers do need to understand the way insurance companies price online insurance.

Insurance Coverage Comparisons

Effectively comparing insurance coverage prices can take hours if you don’t understand the most efficient way to do it. You can waste a few hours (or days) talking to insurance agencies in your area, or you could use online quotes to get rate comparisons in just a few minutes.

Most of the larger companies participate in an industry program where prospective buyers enter their policy data once, and at least one company returns a rated price determined by their information. This system prevents you from having to do form submissions to every company. To compare 1992 Honda Civic rates now click here (opens in new window).

The one downside to comparing rates this way is you can’t choose the providers you want pricing from. So if you want to select from a list of companies to request quotes from, we put together a list of low cost insurance coverage companies in your area. Click here to view list.

Which method you use is up to you, but ensure you are comparing the exact same coverage information for every company. If you enter different deductibles it’s impossible to find the best deal for your Honda Civic. Quoting even small variations in limits can mean a large discrepancy in price. Keep in mind that having more price comparisons will enable you to find the best price.

Cut your car insurance rates with discounts

Companies that sell car insurance do not advertise all their discounts in an easy-to-find place, so we break down some of the best known as well as the least known car insurance savings.

  • Government Employees – Being employed by or retired from a federal job can save as much as 8% on Civic insurance with certain companies.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase life insurance.
  • Military Discounts – Having a deployed family member can result in better rates.
  • Club Memberships – Participating in a professional or civic organization is a good way to get lower rates when shopping for car insurance on Civic insurance.

Keep in mind that some of the credits will not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way.

To see a list of insurers with discount car insurance rates, click here to view.

You are unique and your auto insurance should be too

When it comes to choosing the right insurance coverage, there is no single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that might point out whether your personal situation may require specific advice.

  • Is other people’s property covered if stolen from my vehicle?
  • Do I need roadside assistance coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Is business equipment covered while in my vehicle?
  • Do I need replacement cost coverage on my 1992 Honda Civic?
  • What is medical payments coverage?
  • Does my 1992 Honda Civic need full coverage?
  • Should I buy only the required minimum liability coverage?
  • Can I rate high risk drivers on liability-only vehicles?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

What car insurance coverages do you need?

Knowing the specifics of your policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages available from car insurance companies.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for expenses for things like prosthetic devices, dental work and chiropractic care. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Comprehensive protection – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, theft, hitting a deer, vandalism and a tree branch falling on your vehicle. The most your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability auto insurance – This coverage will cover injuries or damage you cause to other’s property or people. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as repair bills for other people’s vehicles, attorney fees, repair costs for stationary objects, pain and suffering and structural damage. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Collision coverages – Collision coverage pays for damage to your Civic caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as rolling your car, hitting a parking meter, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Honda Civic.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Saving money makes a lot of cents

We’ve covered some good ideas how to lower your 1992 Honda Civic insurance rates. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even find the lowest priced insurance comes from some of the smallest insurance companies. Smaller companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm or Progressive.

Cost effective insurance can be bought online in addition to many insurance agents, and you need to price shop both to get a complete price analysis. A few companies do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

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