1993 Honda Civic del Sol Car Insurance Cost – 7 Ideas for Best Prices

Buyers have a choice when searching for the best price on Honda Civic del Sol insurance. You can either spend your time driving around getting price quotes or use the internet to get rate quotes. There are both good and bad ways to compare car insurance rates so we’re going to tell you the absolute fastest way to quote coverages for a Honda and find the lowest possible price either online or from local insurance agents.

Finding affordable coverage is not that difficult. If you currently have car insurance, you should be able to save some money using these techniques. Drivers only need an understanding of the tricks to buy insurance online.

Quote car insurance online

There are a lot of ways to compare car insurance quotes, and some are less time-consuming than others. You can waste a lot of time driving to local insurance agents in your area, or you can utilize the web to accomplish the same thing much quicker.

Many companies belong to an insurance system that allows shoppers to submit one quote, and at least one company then returns a price quote for coverage. This saves time by eliminating quotation requests for every car insurance company.

To compare rates using this form now click to open in new window.

The one disadvantage to comparing rates this way is you are unable to specify which companies to receive prices from. So if you want to choose from a list of companies to receive pricing from, we have a page of low cost car insurance companies in your area. Click here for list of insurance companies.

Compare rates however you want, just make absolute certain that you use exactly the same coverage limits and deductibles for every quote you compare. If you compare different data then you won’t be able to determine which rate is truly the best.

Which policy gives me the best coverage?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions may help you determine whether or not you might need an agent’s assistance.

  • Why am I required to get a high-risk car insurance policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Should I have a commercial auto policy?
  • How do I file an SR-22 for a DUI in my state?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Should I carry comprehensive and collision coverage?
  • Is business equipment covered while in my vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Educate yourself about insurance coverages

Having a good grasp of your insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Collision insurance

This coverage covers damage to your Civic del Sol resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as rehabilitation expenses, doctor visits, chiropractic care, EMT expenses and X-ray expenses. They are often utilized in addition to 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 getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like fire damage, falling objects and rock chips in glass. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverages

This will cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU against other people’s claims, 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 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers things like repair bills for other people’s vehicles, medical services, court costs and legal defense fees. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Honda Civic del Sol.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.