1999 Honda Civic Car Insurance Rates

Want cheaper auto insurance rates for your Honda Civic? Trying to find cheaper insurance for a Honda Civic could be a lot of work, but you can learn these tips to find lower rates.

There are both good and bad ways to buy auto insurance and you need to know the best way to quote coverages for a Honda and obtain the cheapest rates either online or from local insurance agents.

Finding the best coverage is not that difficult. If you have insurance now or are shopping for new coverage, you can learn to reduce the price you pay and possibly find even better coverage. Vehicle owners only need an understanding of the tricks to compare price quotes on the web.

Finding Insurance Coverage

Comparing insurance coverage rates can take hours if you don’t understand the most efficient way. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you could save time and use online quoting to achieve your goal.

Many popular insurance companies take part in a program that enables customers to only type in their quote data once, and every company can provide price quotes based on that information. This eliminates the need for quote forms for every insurance coverage company. To enter your information into the quoting system, click here to open in new window.

The only drawback to using this type of form is that consumers can’t choose which companies you want to price. If you would rather choose specific insurance companies to receive pricing from, we have a page of low cost insurance coverage companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make sure you use the exact same coverage limits for each comparison quote. If you compare unequal deductibles or liability limits it will be very difficult to determine the lowest rate for your Honda Civic.

Take discounts and save

Car insurance can cost a lot, but there are discounts available that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but some must be asked about before being credited. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Accident Forgiveness – Certain companies will forgive one accident without raising rates if your claims history is clear for a certain period of time.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Honda could qualify for better rates on cars that stay parked.
  • Early Signing – Select companies give a discount for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Organization Discounts – Belonging to a civic or occupational organization could trigger savings on insurance coverage on Civic insurance.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
  • Multiple Vehicles – Having multiple vehicles on the same insurance coverage policy could earn a price break for each car.
  • No Claims – Good drivers with no accidents can earn big discounts when compared with drivers who are more careless.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Seat Belt Usage – Requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.

Keep in mind that many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, insurance coverage companies aren’t that generous. Any amount of discount will cut your overall premium however.

Car insurance companies that possibly offer these benefits may include but are not limited to:

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

Which policy gives me the best coverage?

When buying proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique.

These are some specific questions can help discover if your situation might need professional guidance.

  • Are my friends covered when driving my 1999 Honda Civic?
  • Am I covered if hit by an uninsured driver?
  • Is business equipment covered while in my vehicle?
  • Do all my vehicles need collision coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Does insurance cover tools stolen from my truck?
  • Is a new car covered when I drive it off the dealer lot?
  • What is the minimum liability in my state?
  • Do I need roadside assistance coverage?
  • Am I covered when driving on a suspended license?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Insurance policy coverages for a 1999 Honda Civic

Knowing the specifics of insurance aids in choosing appropriate coverage for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for medical payments – Med pay and PIP coverage provide coverage for immediate expenses like funeral costs, X-ray expenses and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a parking meter, crashing into a ditch, colliding with a tree, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, hail damage, vandalism and hitting a bird. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability – This coverage can cover injuries or damage you cause to a person or their property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as attorney fees, medical expenses, repair bills for other people’s vehicles and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.