1991 Honda Civic CRX Insurance Cost

Trying to find lower insurance rates for your Honda Civic CRX? Do you get overwhelmed by the sheer number of insurance companies in your area? consumers have such a large number of options that it can quickly become a difficult situation to find the best prices.

Compare insurance quotes online

Comparing insurance rates can be exhausting if you don’t know the most efficient way to do it. You could spend your day talking to local insurance agents in your area, or you can stay home and use online quoting for quick rates.

Many insurance companies are enrolled in a marketplace where prospective buyers send in one quote, and each participating company then returns a price quote based on that data. This system prevents you from having to do quotation requests for each company.

To get comparison pricing now click here (opens in new window).

One minor caviat to getting quotes like this is you can’t choose which insurance companies to get pricing from. If you would rather choose specific insurance companies to compare, we have a page of low cost insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just be certain you are entering nearly identical coverages and limits on every quote you get. If your comparisons have differing limits it’s impossible to truly determine the lowest rate. Slightly different limits may result in a large different in cost. And when quoting insurance, remember that more quotes increases the change that you will find a lower rate. Some companies don’t provide quotes online, so you need to compare prices on coverage from those companies, too.

Reduce your insurance coverage rates with discounts

Insurance coverage is not an enjoyable expense, but there could be significant discounts to cut the cost considerably. Certain reductions will be credited when you complete an application, but less common discounts must be inquired about before you get the savings.

  • Good Student – Getting good grades may save you up to 25%. You can use this discount normally up to age 25.
  • Save with More Vehicles Insured – Buying insurance for several vehicles with the same insurance coverage company can reduce the rates for all insured vehicles.
  • Organization Discounts – Belonging to certain professional organizations could earn you a nice discount when shopping for insurance coverage.
  • Federal Government Employee – Active or former government employment may qualify for a discount when you quote insurance on Civic CRX insurance with some insurance coverage companies.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles are less likely to be stolen and therefore earn up to a 10% discount.
  • Air Bags and Passive Restraints – Vehicles with factory air bags may earn rate discounts of 20% or more.
  • Discount for Multiple Policies – If you insure your home and vehicles with the same company you could get a discount of at least 10% off all policies.

Drivers should understand that most discounts do not apply to your bottom line cost. Most only reduce specific coverage prices like collision or personal injury protection. Just because you may think all the discounts add up to a free policy, you’re out of luck. Any amount of discount should help reduce your policy cost.

Insurance companies who may offer some of the discounts shown above include:

If you are trying to find low cost insurance quotes, ask each company which discounts can lower your rates. Some of the discounts discussed earlier may not apply in your area. For a list of insurance coverage companies with discount rates, follow this link.

Smart buyers can save money

Lots of factors are part of the calculation when quoting car insurance. Some of the criteria are obvious such as your driving record, but other factors are not quite as obvious like your continuous coverage or how financially stable you are.

Shown below are a few of the things that factor into your rates.

  • Responsible credit scores equal low prices – Having a good credit rating can be a huge factor in determining what you pay. Insureds with high credit ratings tend to be more responsible and file fewer claims than drivers with worse credit. So if your credit history leaves room for improvement, you may save money insuring your 1991 Honda Civic CRX by improving your rating.
  • Discounts for married drivers – Your spouse may cut your premiums on your policy. Having a significant other is viewed as being more mature and statistics show married couples file fewer claims.
  • Safeguard your assets with liability protection – The liability section of your policy provides coverage when you are responsible for damages from an accident. Your policy’s liability insurance provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Save by driving safer vehicles – Vehicles that have high safety ratings get lower rates. Safer cars protect occupants better and lower rates of occupant injuries means less money paid by your insurance company and lower rates for you. If your Honda Civic CRX has at least four stars on Safercar.gov you may qualify for a discount.
  • Pleasure use or commuting – Driving a lot of miles each year the more you’ll pay to insure it. A lot of insurance companies apply a rate determined by how the vehicle is used. Autos that do not get driven very much can be on a lower rate level than vehicles that are driven to work every day. A policy that improperly rates your Civic CRX may be costing you. Double check that your vehicle rating is showing the correct usage, because it can save money.
  • More traffic equals higher rates – Choosing to live in smaller towns and rural areas of the country may provide you with better prices if you are looking for the lowest rates. Drivers in populated areas tend to have traffic congestion and more severe claims. Less people means a lower chance of having an accident and also fewer theft and vandalism claims.
  • High comp and collision deductibles save money – Physical damage insurance, also called ‘full coverage’, covers damage that occurs to your Honda. Examples of some claims that would be covered are running into the backend of another car, vandalism, and damage from a fallen tree branch. The deductibles you choose define how much you are willing to pay if the claim is covered. The more expense you have to pay, the lower your rates will be on Civic CRX insurance.
  • When should you not file a insurance claims? – If you’re an insured who likes to file claims you shouldn’t be surprised to get higher rates. Companies award better rates to people who do not rely on their insurance for small claims. Your insurance policy is intended for major claims that would cause financial hardship.

You are unique and your insurance coverage should be too

When choosing proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different.

For example, these questions may help highlight whether you might need professional guidance.

  • When should I buy a commercial auto policy?
  • Why am I required to buy high-risk coverage?
  • What is an SR-22 filing?
  • How can I get my company to pay me more for my totalled car?
  • Is my 1991 Honda Civic CRX covered for flood damage?
  • Do I need higher collision deductibles?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, complete this form.

Auto insurance coverages explained

Knowing the specifics of your policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like X-ray expenses, prosthetic devices, dental work, EMT expenses and rehabilitation expenses. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. 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 an option in every state and gives slightly broader coverage than med pay

Liability auto insurance

This protects you from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

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 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as bail bonds, funeral expenses, loss of income, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Uninsured or underinsured coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Honda Civic CRX.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive protection

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from getting keyed, fire damage, theft and rock chips in glass. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a ditch, colliding with a tree, colliding with another moving vehicle and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Take this to the bank

In this article, we presented a lot of tips how to lower your 1991 Honda Civic CRX insurance premium rates. The key thing to remember is the more quotes you get, the better your comparison will be. You may be surprised to find that the lowest priced insurance coverage comes from a small mutual company.

Insureds switch companies for many reasons like questionable increases in premium, denial of a claim, policy non-renewal and delays in responding to claim requests. It doesn’t matter what your reason, choosing a new company is not as difficult as it may seem.

Cheaper insurance coverage can be found on the web and from local agencies, so you need to shop insurance with both to have the best rate selection. Some insurance companies may not provide the ability to get a quote online and most of the time these smaller companies provide coverage only through independent agents.

Additional detailed information is located at these sites: