Save on 1996 Honda Civic Car Insurance Cost

Looking for the cheapest car insurance rates for your Honda Civic? Finding affordable car insurance can be a challenge for consumers not familiar with comparing rates online. You have so many options available that it can be a real challenge to find the best price.

Finding the best rates is not rocket science. If you are paying for car insurance now, you should be able to cut costs considerably using these techniques. Nevertheless, vehicle owners must know how companies price online insurance.

How to Compare Insurance Quotes

All major insurance companies like Allstate and Progressive quote prices for coverage directly from their websites. Getting quotes is quite simple as you just type in the coverage amounts you desire as requested by the quote form. Once entered, the system collects your driving and credit reports and gives you a price quote.

This streamlines rate comparisons, but the process of having to visit many different websites and type in the same information can be a bit tiresome and repetitive. Unfortunately, it is important to have as many quotes as possible if you are searching for the lowest price.

The quickest way to compare rates makes use of a single form that obtains quotes from several different companies. This type of form saves time, reduces the work, and makes online price comparison much easier. Immediately after you send the form, it is quoted and you are able to buy any one of the price quotes you receive. If a lower price is quoted, you can click and sign and purchase coverage. The entire process takes less than 15 minutes and may save quite a bit of money.

To fill out one form to compare multiple rates now, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you replicate your coverages as close as possible to your current policy. Doing this assures you are getting an apples-to-apples comparison using the same coverage and limits.

Cut prices on Honda Civic insurance

Companies offering auto insurance don’t necessarily list all their discounts in a way that’s easy to find, so we break down both the well known as well as the least known discounts you could be receiving.

  • Multiple Policy Discount – When you combine your home and auto insurance with one company you will save at least 10% off all policies.
  • Payment Method – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • One Accident Forgiven – A few companies permit an accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Organization Discounts – Belonging to a qualifying organization could qualify you for a break on car insurance on Civic insurance.
  • Auto/Life Discount – Larger companies have a discount if you purchase life insurance.
  • New Car Discount – Insuring a new car is cheaper due to better safety requirements for new cars.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up to age 25.

It’s important to understand that most discounts do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, you won’t be that lucky.

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

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Every situation is different.

These are some specific questions may help you determine if your insurance needs will benefit from professional help.

  • Is my 1996 Honda Civic covered for smoke damage?
  • Do I have any recourse if my insurance company denies a claim?
  • When should my teen driver be added to my policy?
  • Do I need special endorsements for business use of my vehicle?
  • What is the minimum liability in my state?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What is medical payments coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form.

Factors that can influence Honda Civic insurance rates

An important part of buying insurance is that you know the different types of things that play a part in calculating car insurance rates. When you know what positively or negatively determines base rates helps enable you to make changes that could result in better car insurance rates.

Shown below are some of the items that factor into premiums.

  • Multiple policies with one company can save – The majority of companies give discounts to policyholders who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount you still need to compare rates to verify if the discount is saving money.
  • Drive a safer car and pay less – Safer cars get lower rates. The safest vehicles have better occupant injury protection and lower injury rates means lower claim amounts passed on to you as lower rates. If the Honda Civic scored better than four stars on or an “acceptable” rating on you may qualify for a discount.
  • Special features that cut premiums – Owning a car with anti-theft technology or alarm system can save you a little every year. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
  • Traffic citations inflate rates – A bad driving record has a lot to do with how much you pay for insurance. Even one moving violation may increase your cost by twenty percent. Drivers with clean records have lower premiums compared to drivers with tickets. If you have flagrant violations like hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form with the DMV in their state in order to keep their license.
  • Higher deductibles cost less – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your Honda from damage. Some instances where coverage would apply are a windshield shattered by a rock, vandalism, and rolling your vehicle. Physical damage deductibles are the amount of money you are required to spend out-of-pocket before your car insurance pays a claim. The more you are required to pay out-of-pocket, the less your car insurance will be on Civic insurance.
  • Small claims can cost you – If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Car insurance companies award better rates to policyholders who are claim-free. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Having a spouse can save you money – Getting married can get you a discount on car insurance. Marriage means you’re more mature and responsible and it’s statistically proven that drivers who are married are more cautious.

Slick advertising tricks that work

Insurance companies such as Allstate and Progressive continually stream ads on TV and radio. They all seem to have a common claim that you can save after switching to them. But how can every company claim to save you money? This is how they do it.

All the different companies have a preferred profile for the right customer they prefer to insure. An example of a profitable customer could possibly be a mature driver, owns a home, and drives less than 10,000 miles a year. A customer who matches those parameters will get very good rates and as a result will probably save a lot of money.

Potential insureds who do not match this ideal profile must pay higher prices and ends up with business not being written. The ads state “customers that switch” but not “drivers who get quotes” save that kind of money. That’s why insurance companies can confidently advertise the way they do. This illustrates why drivers should quote coverage with many companies. It’s just too difficult to predict the company that will give you the biggest savings on Honda Civic insurance.

Auto insurance 101

Knowing the specifics of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Liability coverage – This provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as pain and suffering, emergency aid, attorney fees and loss of income. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for pain medications, funeral costs and hospital visits. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive protection – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a deer, theft and damage from getting keyed. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision – Collision insurance will pay to fix damage to your Civic resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as sustaining damage from a pot hole, rolling your car, hitting a mailbox and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Honda Civic.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

In Summary

Consumers who switch companies do it for any number of reasons including denial of a claim, being labeled a high risk driver, questionable increases in premium and delays in responding to claim requests. It doesn’t matter why you want to switch finding a new auto insurance company can be pretty painless.

We just showed you quite a bit of information on how to shop for 1996 Honda Civic insurance online. The key concept to understand is the more you quote, the higher your chance of finding lower rates. You may even find the lowest premiums are with a company that doesn’t do a lot of advertising.

Budget-conscious insurance can be bought online and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates. Some auto insurance companies may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

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