Cheaper 1990 Honda Civic Insurance Rates

There isn’t anyone who looks forward to paying premiums for insurance, in particular when they could find lower prices if they just compared rates. Because there are so many choices, it’s difficult to locate a lower cost company.

How to get affordable insurance

Finding more affordable 1990 Honda Civic insurance rates is surprisingly easy. Consumers just need to spend a little time comparing rate quotes to discover which company has low cost insurance quotes. Shoppers can get rates using one of these methods.

  • The most efficient method to find the lowest comparison rates is an all-inclusive rate comparison click to view form in new window. This form keeps you from doing separate quote forms for every prospective company. Just one form gets prices estimates from all major companies.
  • A more difficult way to shop for insurance online is spending the time to visit each individual company website and complete a new quote form. For examples sake, we’ll pretend you want to compare Liberty Mutual, Allstate and Travelers. To do that, you would have to take the time to go to each site and type in your information over and over, which can get rather old. For a handy list of car insurance company links in your area, click here.

Whichever method you choose, try to keep apples-to-apples deductibles and coverage limits on every quote. If your comparisons have different deductibles you will not be able to truly determine the lowest rate.

Auto insurance policy discounts

Companies that sell car insurance don’t always publicize all available discounts in an easy-to-find place, so the below list has both well-publicized and also the lesser-known discounts that you can inquire about if you buy insurance online.

  • First Accident Forgiveness – Not necessarily a discount, but a few companies such as Progressive, State Farm and Geico will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Anti-theft Discount – Cars and trucks optioned with advanced anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Discount for New Cars – Insuring a vehicle that is new can get you a discount due to better safety requirements for new model year vehicles.
  • Multi-policy Discount – When you combine your home and auto insurance with one company you may earn as much as 10 to 15 percent.
  • Discounts for Responsible Drivers – Drivers without accidents may receive a discount up to 45% for Civic insurance than drivers with accidents.
  • Discount for Good Grades – Excelling in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.

As a footnote on discounts, many deductions do not apply the the whole policy. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though you would think all the discounts add up to a free policy, that’s just not realistic.

A partial list of companies that may have some of the discounts shown above possibly include:

It’s a good idea to ask each company how you can save money. All car insurance discounts may not apply in your area. To locate insurers who offer auto insurance discounts, click this link.

How do I know if I need professional advice?

When buying adequate coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is unique so this has to be addressed. These are some specific questions may help you determine whether your personal situation might need professional guidance.

  • Do I need higher collision deductibles?
  • Am I better off with higher deductibles on my 1990 Honda Civic?
  • What happens if I owe more than my 1990 Honda Civic is worth?
  • When does my teenage driver need to be added to my policy?
  • Can I still get insurance after a DUI?
  • Exactly who is provided coverage by my policy?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Learn how to quote insurance coverage more affordably

It’s important that you understand the factors that play a part in calculating your policy premiums. If you know what influences your rates, this enables you to make decisions that can earn you big savings. Multiple criteria are used in the calculation when you get your auto insurance bill. Most are fairly basic such as your driving record, but other factors are more obscure such as your marital status or your commute time.

  • Marriage reduces risk – Having a significant other can actually save you money when shopping for insurance coverage. Having a spouse demonstrates that you tend to be more mature than a single person and insurance companies like that drivers who are married are more cautious.
  • Women tend to take less risk – Statistics demonstrate that females tend to be a little less risky than males. However, this does not mean men are WORSE drivers than women. Both genders get in accidents in similar percentages, but the men tend to have higher claims. They also get ticketed for serious violations like DWI (DUI) or reckless driving. Males from age 16 to 21 cause the most accidents and therefore pay the highest rates.
  • Car and home together may be cheaper – Most insurance coverage companies will award lower prices for people who carry more than one policy in the form of a multi-policy discount. This can amount to ten or even fifteen percent. Even though this discount sounds good, you may still want to shop around to verify if the discount is saving money. It’s possible to still find lower rates by buying insurance coverage from a different company.
  • Your address can modify rates – Being located in a rural area has definite advantages if you are looking for the lowest rates. Drivers who live in large cities regularly have more aggressive driving styles and longer commutes to work. Lower population means reduced accidents in addition to fewer liability claims.
  • Better drivers pay less – Having just one driving citation can increase rates by as much as twenty percent. Careful drivers receive lower rates compared to drivers with tickets. Drivers with careless citations like DWI, reckless driving or hit and run convictions may find they need to file a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.
  • Your car’s features help determine premiums – Selecting a car model with advanced anti-theft systems can help bring down rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent auto theft and help lower rates.
  • Drive lots and pay more – Driving more miles in a year the more you will pay for insurance coverage. The majority of insurers charge to insure your cars based upon how much you drive. Cars and trucks left parked in the garage cost less to insure than vehicles that are driven to work every day. Verify your insurance coverage coverage correctly shows the right rating data. A policy that improperly rates your Civic is just wasting money.
  • Save money with responsible credit – A driver’s credit rating can be a huge factor in determining premium rates. If your credit score is lower than you’d like, you could potentially save money when insuring your 1990 Honda Civic by improving your rating. People that have very good credit scores tend to be less risk to insure as compared to drivers with worse credit.

Smaller companies may have the best rates

Consumers can’t escape the ads that claim the cheapest auto insurance rates by companies like State Farm and Allstate. All the companies make the same claim that drivers will save a bundle if you just switch your policy.

How does every company sell you cheaper insurance coverage? It’s all in how they say it.

All the different companies have a certain “appetite” for the driver that will most likely be profitable. A good example of a desirable insured might be between 30 and 50, owns a home, and drives newer vehicles. A driver who fits that profile will most likely get cheap prices as well as save if they switch.

People who are not a match for those criteria may receive a higher premium which translates to the customer buying from someone else. The ad wording is “people that switch” not “all people who quote” save the amount stated. That’s the way insurance companies can make claims that they all have the best auto insurance rates.

Because of the profiling, you really need to compare as many free insurance quotes as you can. It is impossible to predict with any certainty which company will have the lowest rate quotes.

Insurance coverage basics

Having a good grasp of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as doctor visits, funeral costs and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Collision insurance

This coverage pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like driving through your garage door, scraping a guard rail, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive coverages

This pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, vandalism, falling objects and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for liability

Liability coverage can cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as emergency aid, structural damage, attorney fees, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured and underinsured coverage

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Have money to burn

You just learned a lot of tips how to reduce 1990 Honda Civic insurance rates online. The key concept to understand is the more providers you compare, the better your comparison will be. Drivers may discover the biggest savings come from an unexpected company. Smaller companies often have lower car insurance rates on specific markets than their larger competitors like Allstate or State Farm.

Low-cost 1990 Honda Civic insurance is possible both online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies may not provide rate quotes online and many times these small, regional companies only sell coverage through independent agencies.

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