1995 Honda Civic del Sol Insurance Rates – 6 Tips for Cheaper Quotes

Locating discount car insurance on the web may at first seem to be difficult for vehicle owners who are new to comparing prices over the internet. With dozens of insurers to choose from, how can vehicle owners be able to compare every possible option in order to find better prices?

If you have car insurance now, you should be able to lower your premiums substantially using these methods. Buying the lowest cost coverage is not that difficult. But car owners benefit from understanding how the larger insurance companies sell online and take advantage of how the system works.

Car insurance quotes and discounts

Insurance can cost an arm and a leg, but you might be missing out on some discounts that you may not even be aware of. Most are applied at quote time, but occassionally some discounts must be specifically requested before you will receive the discount.

  • Government Employees – Active or former government employment can save as much as 8% on Civic del Sol insurance with a few car insurance companies.
  • Cautious Driver Discount – Safe drivers can pay as much as 50% less on Civic del Sol insurance compared to accident prone drivers.
  • Anti-theft Discount – Cars, trucks, and SUVs that have factory anti-theft systems are stolen with less frequency and will qualify for a discount on a insurance quote.
  • Accident Free – Drivers who don’t have accidents are rewarded with significantly better rates on insurance quote compared to bad drivers.
  • Clubs and Organizations – Being a member of a professional or civic organization could earn you a nice discount when getting a insurance quote.
  • Telematics Data – Drivers who agree to allow companies to monitor vehicle usage through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they are good drivers.

Discounts lower rates, but many deductions do not apply to your bottom line cost. Most cut specific coverage prices like comp or med pay. Despite the fact that it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Car insurance companies who might offer these money-saving discounts are:

It’s a good idea to ask every insurance company to apply every possible discount. Some of the earlier mentioned discounts might not be available to policyholders in your state. If you would like to choose from a list of insurance companies that can offer you the previously mentioned discounts, click this link.

Auto insurance quotes comparison

To find the best auto insurance quotes, there are several ways of comparing rate quotes from local auto insurance companies. The recommended way to comparison shop is to perform an online rate comparison. It is quite easy and can be accomplished by using one of the methods below.

If you are pressed for time, the simplest way consumers can analyze rates is a comparison rater form (click to open form in new window). This quick form keeps you from doing separate quotation requests to each individual auto insurance company. One form submission gets prices estimates from all major companies. It’s definitely the quickest method.

A slightly less efficient method to obtain and compare quotes online is to manually visit each individual company website to complete their respective quote request forms. For instance, let’s say you are doing a rate comparison from Nationwide, State Farm and Liberty Mutual. To get rate quotes you would need to take the time to go to each site to enter the same coverage data repeatedly, which can get rather old. For a list of links to insurance companies in your area, click here.

The old school method to shop rates to all the different insurance agencies. The ability to quote online has reduced the need for local agents unless you prefer the extra assistance that you can only get from talking to an agent. If you prefer, some companies allow you to price shop online but have a local agent actually write the policy.

It’s up to you how you get prices quotes, just do your best to use the exact same coverage limits and deductibles with every price quote. If you have higher or lower deductibles you will not be able to find the best deal for your Honda Civic del Sol. Just slight variations in coverages may cause a big price difference. And when price shopping your coverage, obtaining a wide range of quotes helps improve the odds of finding more affordable insurance. Some smaller insurers to not give quotes online, so it’s important to compare price estimates from them as well.

Situations that may require an agent’s advice

When it comes to buying the right insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining whether you might need an agent’s assistance.

  • Does my medical payments coverage pay my health insurance deductible?
  • Why do I need rental car insurance?
  • When can I cancel my policy?
  • Does medical payments coverage apply to all occupants?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my trailer covered?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, take a second and complete this form.

Information about specific coverages

Knowing the specifics of a auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like dental work, prosthetic devices, doctor visits, ambulance fees and funeral costs. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as fire damage, a broken windshield and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability car insurance

This coverage will cover injuries or damage you cause to other people or property that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things such as funeral expenses, attorney fees and pain and suffering. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

Collision coverage will pay to fix damage to your Civic del Sol resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with a tree, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

More comparisons equals lower rates

People change insurance companies for any number of reasons including delays in responding to claim requests, extreme rates for teen drivers, an unsatisfactory settlement offer and high rates after DUI convictions. Regardless of your reason, finding a new auto insurance company is not as difficult as it may seem.

When you buy insurance online, it’s very important that you do not skimp on coverage in order to save money. There have been many cases where someone sacrificed physical damage coverage only to regret at claim time that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage at the best possible price and still be able to protect your assets.

We covered some good ideas how to compare 1995 Honda Civic del Sol insurance car insurance rates online. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting low cost insurance. Consumers may even find the lowest car insurance rates are with the least-expected company.

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