1996 Honda Civic del Sol Insurance Rates – 9 Savings Tips

Searching for the cheapest insurance rates for your Honda Civic del Sol? Trying to find low cost insurance can be nearly impossible for drivers who have little experience quoting coverage prices online. Because there are so many companies, it can quickly become a lot of work to compare prices.

You should take the time to check insurance prices quite often because insurance prices are usually higher with each renewal. Just because you found the lowest price for Civic del Sol coverage six months ago there may be better deals available now. Forget all the misinformation about insurance because we’re going to demonstrate the fastest and easiest way to find better coverage at a better price.

Compare auto insurance quotes online

There are a lot of ways to compare auto insurance prices and some are easier and takes less work. You could waste a few hours talking about coverages with local insurance agents in your area, or you can utilize the web to get rates in a matter of minutes.

The majority of car insurance companies are enrolled in a marketplace where insurance shoppers send in one quote, and each company can give them a price based on that information. This saves time by eliminating repetitive form submissions for each company. To compare pricing click here to start a free quote.

One minor caviat to pricing coverage this way is buyers cannot specifically choose the providers you will receive quotes from. If you would rather choose from a list of companies to request quotes from, we put together a list of companies who write auto insurance in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but make sure you are using apples-to-apples coverage limits and deductibles with every price quote. If you enter different values for each quote it’s not possible to make a fair rate comparison. Even a minor difference in limits may cause a big price difference. Just remember that comparing more rates from different companies helps improve the odds of finding more affordable rates. Some companies don’t provide online quotes, so it’s important to compare price estimates from them as well.

Save money by taking advantage of these nine discounts

Auto insurance companies do not advertise their entire list of discounts very clearly, so we took the time to find both the well known and the more hidden credits available to lower your premiums when you buy insurance coverage online.

• Multi-Vehicle Discounts – Drivers who insure primary and secondary vehicles on one policy may reduce the rate for each vehicle.
• Early Switch Discount – Some companies give discounts for signing up before your current policy expires. You could save around 10% when you buy insurance coverage online.
• Onboard Data Collection – Insureds who allow driving data submission to monitor driving manner by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates as long as they are good drivers.
• Homeowners Discount – Just being a homeowner may earn you a small savings because of the fact that having a home requires personal responsibility.
• Professional Organizations – Having an affiliation with qualifying clubs or civic groups could qualify you for a break on your bill.
• Accident Free – Insureds with no claims or accidents pay less compared to drivers who are more careless.
• Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts of up to 25% or more.
• Accident Forgiveness Coverage – but some insurance companies will forgive one accident before raising your premiums so long as you haven’t had any claims for a set time period.
• Seat Belts Save – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 15% off the PIP or medical payment premium.

Discounts lower rates, but most of the big mark downs will not be given to all coverage premiums. Most only cut specific coverage prices like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

The best insurance coverage companies and the discounts they provide can be found below.

• State Farm may offer discounts for safe vehicle, student away at school, good driver, multiple autos, passive restraint, Drive Safe & Save, and anti-theft.
• Geico includes discounts for seat belt use, daytime running lights, multi-policy, emergency military deployment, five-year accident-free, anti-theft, and multi-vehicle.
• SAFECO offers premium reductions for homeowner, anti-lock brakes, multi-car, safe driver, and teen safety rewards.
• Farmers Insurance has discounts for multi-car, early shopping, alternative fuel, mature driver, electronic funds transfer, and bundle discounts.
• AAA policyholders can earn discounts including good driver, good student, multi-car, education and occupation, and pay-in-full.
• USAA offers discounts for new vehicle, defensive driver, multi-policy, multi-vehicle, safe driver, loyalty savings, and military installation.

When comparing rates, check with each company which discounts they offer. Savings may not be available in every state.

How much car insurance do I need?

When choosing the right insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

• Is my state a no-fault state?
• Are split liability limits better than a combined single limit?
• Should I have a commercial auto policy?
• Who is covered by my policy?
• What if I owe more than I can insure my car for?
• How do I insure my teen driver?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

The coverage is in the details

Understanding the coverages of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement.

Liability insurance

This can cover damage that occurs to a person or their property that is your fault. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things such as court costs, emergency aid, loss of income, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

This coverage covers damage to your Civic del Sol resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as backing into a parked car, crashing into a ditch and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 1996 Honda Civic del Sol.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like prosthetic devices, pain medications and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a deer, damage from flooding, falling objects and a broken windshield. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.