View 1997 Honda Civic Car Insurance Rates

Looking for the cheapest insurance rates for your Honda Civic? Finding lower rates for insurance is difficult for consumers new to comparing rates online. You have so many options available that it can be a real challenge to find the best price.

Smart consumers take time to take a look at other company’s rates yearly because insurance rates are usually higher with each renewal. Just because you had the best deal on Civic insurance a few years ago there is a good chance you can find better rates now. Don’t believe everything you read about insurance online, so by reading this article, you’re going to learn some solid techniques on how to slash your insurance rates.

If you currently have a car insurance policy, you will be able to save some money using these methods. The purpose of this post is to familiarize you with how car insurance quotes work. But drivers need to learn how insurance companies price insurance differently because it can help you find the best coverage.

Discounts are basically free money

Car insurance can cost a lot, but there are discounts available to reduce the price significantly. Larger premium reductions will be automatically applied when you purchase, but a few need to be asked about before you will receive the discount.

  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Civic insurance than drivers with accident claims.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
  • Low Mileage Discounts – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Claim Free – Drivers with accident-free driving histories can save substantially compared to bad drivers.

Keep in mind that many deductions do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will cut the cost of coverage.

Car insurance companies that may have these money-saving discounts include:

It’s a good idea to ask each company what discounts are available to you. Some discounts might not apply in your state.

Where Can I Get Cheap Car Insurance?

There are several ways you can shop for Honda Civic car insurance but there is one way that is easier and takes less work. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you can stay home and use online quotes to get prices fast.

Many of the larger companies belong to an insurance system where prospective buyers enter their coverage request one time, and every company then gives them pricing based on the submitted data. This saves time by eliminating quote forms for each company you want a rate for.

To participate in this free quote system, click here (opens in new window).

The one downside to getting quotes like this is that consumers can’t choose which carriers to get quotes from. If you wish to select specific insurance companies to compare rates, we have a page of low cost car insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make absolute certain that you use the exact same quote information for each comparison quote. If you enter higher or lower deductibles it will be very difficult to find the best deal for your Honda Civic. Just a small difference in coverages may cause a big price difference. And when quoting car insurance, remember that quoting more helps you find a better price.

Which insurance is the “right” coverage?

When it comes to buying the right insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine if your insurance needs might need an agent’s assistance.

  • Is rental equipment covered for theft or damage?
  • Does coverage extend to Mexico or Canada?
  • Is my 1997 Honda Civic covered for flood damage?
  • How much can I save by bundling my policies?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does coverage extend to a rental car in a foreign country?
  • Do I have coverage if my license is suspended?
  • Is my dog or cat covered if injured in an accident?
  • Should I bundle my homeowners policy with my auto?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, complete this form.

Coverages available on your car insurance policy

Learning about specific coverages of your car insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability coverage

This coverage will cover damage that occurs to a person or their property in an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like medical expenses, bail bonds, repair costs for stationary objects, loss of income and funeral expenses. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Auto collision coverage

Collision coverage covers damage to your Civic resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as driving through your garage door, crashing into a building and crashing into a ditch. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, fire damage and a broken windshield. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This provides protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 1997 Honda Civic.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently these limits are set the same as your liablity limits.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses for things like dental work, hospital visits, funeral costs and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Saving money makes a lot of cents

As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible at a price you can afford, not the least amount of coverage.

You just learned some good ideas how to save on 1997 Honda Civic insurance. It’s most important to understand that the more companies you get rates for, the better likelihood of reducing your rate. You may be surprised to find that the lowest premiums are with the smaller companies.

The cheapest insurance can be found on the web and with local insurance agents, and you should compare price quotes from both to have the best selection. Some companies do not offer online quoting and most of the time these small insurance companies sell through independent agents.

Additional insurance coverage information can be read at the links below