1991 Honda Civic Insurance Rates

Searching for better auto insurance rates for your Honda Civic? Locating better insurance prices for a Honda Civic can be difficult, but you can follow the following methods to find lower rates.

There is a right way and a wrong way to find auto insurance online so you’re going to learn the proper way to get price quotes on a Honda and obtain the lowest price.

How to buy auto insurance online

Getting a cheaper price on 1991 Honda Civic insurance is not a difficult process. Drivers just need to take a few minutes to compare rate quotes from different insurance companies. Shoppers can get rates by following the guidelines below.

  • The most recommended method to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This style of form saves time by eliminating separate quotes to each individual auto insurance company. Completing one form will return price quotes instantly.It’s the quickest way to get rates.
  • A more difficult way to get quotes online is going to the website for each individual company and fill out a new quote form. For sake of this example, we’ll assume you want to get rates from Liberty Mutual, Farmers and Geico. To get each rate you have to take the time to go to each site and repeatedly type in your coverage information, which can get rather old. For a list of companies in your area, click here.
  • The most difficult method of comparing rate quotes is making phone calls or going to insurance agencies in your area. The ability to quote online makes this unnecessary unless your situation requires the guidance that you can only get from talking to an agent. Although, it is possible compare online quotes but still have the advice of a local agent.

Whichever way you choose to compare rates, try to use the same coverages for every company. If each company quotes different values for each quote you can’t possibly decipher which rate is best.

Smart consumers can save money

Many factors are part of the calculation when pricing auto insurance. Some factors are common sense like an MVR report, although others are more transparent such as your credit history or your vehicle rating.

The list below includes a partial list of the pieces used by companies to determine rates.

  • Save money by eliminating incidental coverages – There are many extra bells and whistles that may not really be needed if you aren’t careful. Coverages like vanishing deductibles, high-cost glass coverage, and Farm Bureau memberships may be wasting your money. These coverages may sound good initially, but if they’re wasting money get rid of them and save.
  • GPS tracking and theft deterrents reduce premiums – Buying a car with a theft deterrent system can help bring down rates. Systems that thwart theives like OnStar, LoJack tracking, and tamper alarms all help stop your vehicle from being stolen.
  • Combine policies to earn discounts – Most major insurers will award lower prices to people that buy multiple policies in the form of a multi-policy discount. If you currently are using one company, you still need to compare rates to ensure the best deal.
  • Annual mileage and car insurance rates – The higher the mileage driven in a year the more it will cost to insure it. Most companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles that have low annual miles can be on a lower rate level than vehicles that are driven to work every day. Having the wrong rating on your Civic can result in significantly higher rates. It’s always a good idea to double check that your auto insurance declarations sheet correctly shows the correct usage for each vehicle.
  • Higher physical damage deductibles are cheaper – Insurance for physical damage, also called comprehensive and collision insurance, covers your vehicle from damage. Some examples of covered claims are collision with another vehicle, collision with an animal, and damage from a fallen tree branch. Your deductibles state the amount of money you are willing to pay out-of-pocket in the event of a claim. The more of the claim you pay before a claim is paid (deductible), the lower your rates will be for Civic coverage.

Cheaper rates with these car insurance discounts

Car insurance companies don’t necessarily list their entire list of discounts in a way that’s easy to find, so we took the time to find some of the best known as well as the least known credits that may apply to you.

  • Save with More Vehicles Insured – Insuring multiple cars or trucks with the same car insurance company may reduce the rate for each vehicle.
  • Air Bag Discount – Options like air bags and/or automatic seat belt systems may qualify for discounts as much as 30%.
  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen with less frequency and will qualify for a discount on a auto insurance quote.
  • Anti-lock Brake Discount – Cars with ABS braking systems or traction control can stop better under adverse conditions and will save you 10% or more.
  • Distant Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not take a car to college may qualify for this discount.
  • Renewal Discounts – A few car insurance companies offer discounts for signing up before your current expiration date. The savings is around 10%.
  • Buy New and Save – Adding a new car to your policy may earn a small discount because newer models keep occupants safer.

Consumers should know that some of the credits will not apply to the entire policy premium. Most only reduce the cost of specific coverages such as collision or personal injury protection. So even though you would think you can get free auto insurance, nobody gets a free ride.

Large car insurance companies and the discounts they provide can be read below.

  • Travelers includes discounts for home ownership, good student, save driver, multi-car, and IntelliDrive.
  • 21st Century offers premium reductions for automatic seat belts, 55 and older, theft prevention, defensive driver, and anti-lock brakes.
  • State Farm offers discounts for multiple autos, Steer Clear safe driver discount, safe vehicle, passive restraint, good driver, good student, and accident-free.
  • Geico may offer discounts for daytime running lights, air bags, seat belt use, good student, military active duty, anti-lock brakes, and emergency military deployment.
  • SAFECO discounts include accident prevention training, homeowner, anti-theft, multi-car, and teen safety rewards.
  • AAA policyholders can earn discounts including good driver, good student, multi-car, AAA membership discount, pay-in-full, education and occupation, and multi-policy.

If you need affordable auto insurance quotes, ask each company to apply every possible discount. Discounts might not apply everywhere.

Insurance can get complicated

When it comes to choosing coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique.

For example, these questions might point out if your insurance needs may require specific advice.

  • Is my custom paint covered by insurance?
  • Is a blown tire covered by insurance?
  • Are split liability limits better than a combined single limit?
  • Am I covered when driving someone else’s vehicle?
  • What is the ISO rating for a 1991 Honda Civic?
  • Do I have coverage when using my vehicle for my home business?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Coverages available on your car insurance policy

Learning about specific coverages of a car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Comprehensive coverages – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like theft, rock chips in glass and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability insurance – Liability insurance can cover damage or injury you incur to other people or property. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for things like structural damage, pain and suffering, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Collision coverages – Collision coverage covers damage to your Civic caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with another moving vehicle, colliding with a tree, backing into a parked car, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for expenses for things like surgery, pain medications, ambulance fees and doctor visits. They are often used in conjunction with a health insurance plan or if you do not have health coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Honda Civic.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are similar to your liability insurance amounts.

A tidy conclusion

We just covered many ideas to lower your 1991 Honda Civic insurance prices. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding low cost auto insurance. Consumers could even find that the biggest savings come from an unexpected company.

Lower-priced 1991 Honda Civic insurance can be sourced from both online companies and also from your neighborhood agents, so you need to quote auto insurance with both to have the best selection. There are still a few companies who may not provide price quotes online and many times these smaller companies only sell coverage through independent insurance agents.

Insureds who switch companies do it for any number of reasons including poor customer service, policy cancellation, high prices or delays in paying claims. Regardless of your reason for switching companies, finding a great new company can be less work than you think.

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