Cheap 1996 Honda Civic Car Insurance Rates

Wish you could get out of an underperforming, overpriced auto insurance policy? You’re in good company because you are not the only one feeling buyer’s remorse.

People have many car insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, so many choices can make it hard to find the lowest rates.

Finding affordable coverage is not rocket science. In a nutshell, anyone who buys insurance stands a good chance to be able to find lower rates. Nevertheless, vehicle owners do need to know the way companies price online insurance and use this information to your advantage.

Lower your insurance premiums

Multiple criteria are part of the calculation when pricing auto insurance. Some factors are common sense like a motor vehicle report, but other criteria are not as apparent such as your marital status or how safe your car is.

The following are some of the items used by insurance companies to determine your rates.

  • Having a spouse can lower rates – Walking down the aisle can get you a discount on your insurance coverage policy. Having a significant other translates into being more financially stable it has been statistically shown that married drivers tend to have fewer serious accidents.
  • A linsurance coverage policy lapse is a bad thing – Letting your insurance expire is a fast way to trigger a rate increase. Not only will you pay more, not being able to provide proof of insurance will get you a steep fine or even jail time.
  • A good credit rating can save money – An insured’s credit rating can be a huge factor in calculating your insurance coverage rates. If your credit history can be improved, you may save money insuring your 1996 Honda Civic by spending a little time repairing your credit. Insureds that have high credit ratings tend to be better drivers and file fewer claims than drivers who have poor credit scores.
  • Vehicle features that lower insurance coverage rates – Driving a car with advanced anti-theft systems can help lower your premiums. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder car theft.
  • Annual miles is a factor – The more you drive annually the higher the price you pay to insure it. Many insurance companies calculate prices based upon how the vehicle is primarily used. Cars and trucks that do not get driven very much qualify for better rates than vehicles that have high annual mileage. Improper usage on your Civic may be costing you. Make sure your declarations sheet correctly shows how each vehicle is driven.
  • Use one insurance company and save – Many insurance companies will give a discount to policyholders that purchase more than one policy such as combining an auto and homeowners policy. Even though this discount sounds good, it’s in your best interest to compare rates to help guarantee you have the best rates.
  • Your career may increase premiums – Occupations such as doctorspolice officers and medical professionals tend to have higher rates than average because of job stress and lengthy work days. Conversely, occupations like scientists, historians and homemakers receive lower rates on Civic insurance.
  • Increase deductibles to save – Comprehensive and collision coverage deductibles define the amount you are willing to pay out-of-pocket before a claim is paid by your company. Protection for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Examples of covered claims are rearending another vehicle, animal collisions, and damage from wind. The more damage repair cost the insured is willing to pay, the lower your rates will be on Civic insurance.

Get cheaper insurance coverage rates with discounts

Some companies do not list every discount they offer very well, so the list below gives a summary of some of the more common as well as some of the hidden credits that may apply to you.

  • Homeowners Pay Less – Owning your own home or condo can get you a discount since home ownership is proof that your finances are in order.
  • Defensive Driver Discount – Participating in a class that teaches safe driver techniques could possibly earn you a 5% discount depending on where you live.
  • Paper-free Discount – A few companies provide a small discount for buying a policy and signing up on their website.
  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off on Civic insurance depending on your insurance coverage provider.
  • Early Payment Discounts – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.

One last thing about discounts, most discount credits are not given to the entire cost. Most only reduce individual premiums such as liability and collision coverage. Just because it seems like it’s possible to get free car insurance, it’s just not the way it works. Any amount of discount will lower your policy premium.

The best insurance coverage companies and some of the premium reductions they offer can be read below.

  • Geico discounts include anti-theft, emergency military deployment, seat belt use, multi-policy, federal employee, multi-vehicle, and five-year accident-free.
  • USAA offers discounts for vehicle storage, safe driver, new vehicle, multi-vehicle, good student, and military installation.
  • Progressive has savings for homeowner, online quote discount, multi-policy, multi-vehicle, and continuous coverage.
  • American Family may have discounts that include air bags, bundled insurance, Steer into Savings, good driver, and TimeAway discount.
  • Esurance policyholders can earn discounts including homeowner, anti-lock brakes, good driver, claim free, good student, and defensive driver.
  • Farmers Insurance may offer discounts for mature driver, early shopping, pay in full, electronic funds transfer, business and professional, good student, and alternative fuel.
  • State Farm may include discounts for anti-theft, accident-free, multiple autos, safe vehicle, multiple policy, defensive driving training, and passive restraint.

When getting free insurance coverage quotes, it’s a good idea to each company or agent the best way to save money. Discounts might not apply in every state. To find insurance coverage companies who offer discounts, click here to view.

Big names are not always cheapest

Well-known car insurance companies like Geico, State Farm and Progressive seem to constantly run television and radio advertisements. All the companies try to convey promises about savings if you just switch your coverage to them. How does every car insurance company cost less than your current company? Just pay attention to how they say it.

Different companies have a preferred profile for the driver that earns them a profit. An example of a desirable risk might have to be married and over the age of 30, owns a home, and does not commute to work. Any customer that matches those criteria will get a cheap rate quote as well as save if they switch.

Potential customers who don’t measure up to those criteria may receive a higher rate which usually ends up with the customer buying from someone else. If you pay close attention to the ads, they say “drivers that switch” but not “everyone who gets a quote” save that much money. This is how companies can truthfully make claims like that. This really drives home the point why drivers should compare free insurance coverage quotes often. It is just not possible to predict with any certainty which company will provide the lowest auto insurance rates.

Tailor your insurance coverage to you

When it comes to choosing coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions can aid in determining if your insurance needs would benefit from professional advice.

  • Do I need higher collision deductibles?
  • Is my trailer covered?
  • Is business property covered if stolen from my car?
  • Do I pay less if my vehicle is kept in my garage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is a new car covered when I drive it off the dealer lot?
  • At what point should I drop full coverage?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Coverages available on your auto insurance policy

Understanding the coverages of your policy can help you determine which coverages you need for your vehicles. Auto insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages offered by auto insurance companies.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, hail damage, theft, hitting a deer and damage from a tornado or hurricane. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical costs insurance

Med pay and PIP coverage reimburse you for expenses for things like dental work, hospital visits and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Honda Civic.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability

Liability coverage will cover damage that occurs to other people or property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims like loss of income, structural damage, repair costs for stationary objects, attorney fees and bail bonds. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Collision protection

Collision insurance pays for damage to your Civic from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a ditch, sideswiping another vehicle, rolling your car, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Quote more. Save more.

When you buy insurance coverage online, you should never skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. The aim is to buy the best coverage you can find at the lowest possible cost, but do not sacrifice coverage to save money.

Some insurance providers do not offer the ability to get a quote online and usually these smaller providers prefer to sell through independent insurance agencies. Cheaper car insurance can be purchased both online in addition to local insurance agencies, and you should compare rates from both so you have a total pricing picture.

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