View 1993 Honda Civic Insurance Quotes

Looking for lower car insurance rates for your Honda Civic? Wish you could get out of overpriced car insurance? Believe me, many drivers feel the same as you. Many insurance companies vie for your business, and because of this it can be hard to compare insurers and uncover the absolute lowest price

It’s smart to get comparison quotes periodically because car insurance rates go up and down regularly. Despite the fact that you may have had the best deal on Civic coverage on your last policy the chances are good that you can find a lower price today. Forget anything you know (or think you know) about car insurance because it’s time to teach you how to use the internet to lower your annual insurance bill.

If you are insured now or are shopping for new coverage, you can follow these tips to reduce the price you pay while maintaining coverages. Finding the best rates is easy if you know what you’re doing. Vehicle owners just need to understand the tricks to shop for insurance on the web.

Auto insurance discounts are available to slash your rates

Some providers don’t always publicize every discount they offer in a way that’s easy to find, so the list below details a few of the more common as well as the least known savings tricks you should be using when you buy car insurance online. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Paper-free Discount – A few insurance companies will discount your bill up to fifty bucks just for signing your application on your computer.
  • Military Rewards – Being on active deployment in the military may lower your premium rates slightly.
  • First Accident Forgiveness – Not a discount per se, but some insurance companies may permit one accident before your rates go up so long as you haven’t had any claims before the accident.
  • 55 and Retired – If you qualify as a senior citizen, you may qualify for reduced rates on Civic coverage.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems are much safer to drive and the ABS can save up to 10%.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn lower auto insurancerates if you buy some life insurance in addition to your auto policy.

Drivers should understand that most credits do not apply to the overall cost of the policy. Some only reduce individual premiums such as medical payments or collision. So when it seems like all those discounts means the company will pay you, you’re out of luck.

Insurance companies that may offer quotes with these benefits include:

When comparing rates, check with each company or agent which credits you are entitled to. All car insurance discounts might not be offered on policies in your state. To locate insurers that offer some of these discounts, click here.

The method we recommend to compare policy rates is to take advantage of the fact most insurance companies pay for the opportunity to give you rate quotes. The one thing you need to do is provide information such as if it has an alarm system, your education level, how much you drive, and marital status. Your information is automatically sent to multiple different insurance companies and they return quotes within a short period of time.

To start a rate quote now, click here and complete the quick form.

Everyone needs different insurance coverage coverages

When choosing the best insurance coverage coverage, there is no perfect coverage plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that may help highlight if your situation might need professional guidance.

  • Does car insurance cover theft of personal property?
  • Is my teenager covered with friends in the car?
  • Does my policy cover my teen driver if they drive my company car?
  • Will my rates increase for filing one claim?
  • Am I covered when delivering products for my home-based business?
  • Is my ex-spouse still covered by my policy?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage information

Having a good grasp of a car insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are the normal coverages found on most car insurance policies.

Auto collision coverage

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 can pay for claims like driving through your garage door, colliding with a tree, rolling your car, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits are set the same as your liablity limits.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as hospital visits, dental work, chiropractic care, rehabilitation expenses and funeral costs. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Liability car insurance

Liability insurance can cover damages or injuries you inflict on people or other property in an accident. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers claims like structural damage, repair bills for other people’s vehicles, court costs, medical services and medical expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, damage from getting keyed, hitting a bird and fire damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Final thoughts

When getting car insurance quotes online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your focus should be to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.

There are still a few companies who don’t offer internet price quotes and usually these regional insurance providers prefer to sell through independent insurance agents. Low-cost 1993 Honda Civic insurance can be found online as well as from insurance agents, and you need to price shop both to have the best rate selection.

Additional insurance coverage information can be found on the following sites: