Cheap 1997 Honda Civic del Sol Insurance Quotes

Trying to find better insurance rates for your Honda Civic del Sol? Paying for high-priced Honda Civic del Sol insurance can take a big chunk out of your personal savings and make it hard to pay other bills. Comparing rates annually can help to cut your insurance bill.

Insurance companies such as Allstate and Progressive all claim big savings, bombarding you with TV and radio ads and it can be hard to separate fact from fiction and find the best price available.

How much does insurance cost?

When shopping for insurance there are multiple ways of comparing rate quotes from local insurance companies. The simplest method to find the lowest 1997 Honda Civic del Sol rates involves getting comparison quotes online. This can be done in a couple minutes as outlined below.

  • The most efficient way consumers can analyze rates is a comparison rater form (click to open form in new window). This style of form saves time by eliminating separate quote forms to each individual insurance company. Completing one form will return price quotes from many national carriers.
  • A slightly less efficient method to compare rate quotes is to manually visit the website of each company and get a separate price quote. For sake of this example, let’s say you want to see prices from USAA, Progressive and American Family. To get each rate you have to spend time going to each site individually and enter your information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

  • The last method to find lower rates is to spend your day driving to each insurance agency near you. The ability to quote online eliminates the middleman unless your situation requires the advice and guidance that only an agent can give. You can, however, comparison shop online and still use a local agent.

You can choose any of those ways to find more affodable coverage, but be sure you’re using equivalent coverage limits on every quote. If you have different liability limits it will be impossible to get a fair rate comparison. Just a small difference in coverages can make a big difference in price. Just remember that getting more free quotes helps locate a lower rate than you’re paying now.

Take policy discounts and save

Insurance coverage is expensive, but you might already qualify for some discounts that could help you make your next renewal payment. Certain reductions will be credited at quote time, but a few must be specially asked for before they will apply.

  • Homeowners Savings – Owning a house can save a few bucks because of the fact that having a home demonstrates responsibility.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Sign Early and Save – Some insurance coverage companies give discounts for signing up before your current coverage expires. You can save around 10% with this discount.
  • Multiple Vehicles – Buying coverage for several vehicles on one policy can reduce the rates for all insured vehicles.
  • Air Bags and Passive Restraints – Cars that have air bags may get savings of 20% or more.
  • Professional Memberships – Being in qualifying clubs or civic groups is a simple method to lower premiums on your next insurance coverage statement.
  • Drivers Education – Teen drivers should take driver’s ed class if it’s offered in school.
  • Discount for Multiple Policies – If you can bundle your homeowners and auto insurance and insure them both with the same insurance company you could get a discount of at least 10% off all policies.

As a sidenote, most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, that’s just not realistic.

Some companies that may have these discounts possibly include:

Before buying, ask all the companies which discounts you qualify for. Some of the earlier mentioned discounts may not be available in your area. If you would like to see a list of providers with significant discounts, click here.

Which policy gives me the best coverage?

When it comes to choosing the right insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that may help you determine whether or not you could use an agent’s help.

  • How does medical payments coverage work?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is a new car covered when I drive it off the dealer lot?
  • Does having multiple vehicles earn me a discount?
  • How much liability do I need to cover my assets?
  • What is PIP insurance?

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Informed decisions result in lower insurance costs

Lots of factors are used in the calculation when premium rates are determined. Most are fairly basic like a motor vehicle report, although some other factors are not as apparent such as your marital status or how safe your car is.It’s important that you understand some of the factors that help determine the price you pay for car insurance. If you have a feel for what determines premiums, this allows you to make good choices that will entitle you to lower rates.

  • Gender and insurance premiums – Over the last 30 years, statistics show females are less aggressive when driving. However, don’t assume that males are worse at driving than females. Both sexes cause fender benders in similar numbers, but males cause more damage and cost insurance companies more money. Men also statistically get ticketed for serious violations such as DWI and reckless driving. Young men ages 16 to 20 are most likely to cause an accident and are penalized with high car insurance rates.
  • High deductibles reduce premiums – Comp and collision deductibles state the amount of money the insured will be required to pay before a claim is paid by your company. Protection for physical damage, aka comp and collision, protects your car from damage. Examples of some claims that would be covered are a windshield broken by a bird, damage from fire, and damage from wind. The more of the claim the insured is willing to pay, the lower your rates will be on Civic del Sol coverage.
  • Car insurance rates and age – More mature drivers are more responsible, cost insurance companies less in claims , and are generally more financially stable.Beginning drivers are known to be inattentive and easily distracted when at the wheel of a vehicle so car insurance rates are higher.
  • Liability insurance limits on your policy – The liability coverage on your policy is the protection when you are responsible for personal injury or accident damage. Liability insurance provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to comp and collision, so do not skimp.

Can switching companies really save?

Companies like 21st Century, Allstate and State Farm endlessly run television, radio, and online ads. All the companies seem to make the promise about saving some big amount if you move your insurance coverage to their company. It sounds good, but how can they all have lower policy pricing? Just pay attention to how they say it.

Different companies have strict underwriting profiles for the type of customer that will generate a profit. For example, a profitable customer may be a married male, carries full coverage, and drives less than 10,000 miles a year. A customer that hits that “sweet spot” will get low rates and most likely will save if they switch.

Insureds who do not meet those criteria may be required to pay more expensive rates which results in business going elsewhere. The ads say “drivers who switch” not “all people who quote” will save that much if they switch. That’s the way insurance companies can confidently lure you into getting a quote. This emphasizes why drivers must get a wide range of price quotes. Because you cannot predict which company will fit your personal profile best.

Auto insurance coverage information

Knowing the specifics of a car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverages found on the average car insurance policy.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Honda Civic del Sol.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense insurance – Med pay and PIP coverage provide coverage for bills such as EMT expenses, doctor visits and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hail damage, damage from a tornado or hurricane, hitting a deer, a tree branch falling on your vehicle and vandalism. The maximum amount a car 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.

Coverage for liability – This protects you from injuries or damage you cause to other people or property. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different 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 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as bail bonds, attorney fees, medical expenses and court costs. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Collision coverages – This covers damage to your Civic del Sol resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like rolling your car, hitting a mailbox, crashing into a ditch, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to bring the cost down.

A penny earned…

Budget-friendly insurance coverage is definitely available online and from local insurance agents, and you should compare price quotes from both to have the best selection. A few companies do not offer online rate quotes and most of the time these regional carriers work with local independent agents.

We covered some good ideas how to save on 1997 Honda Civic del Sol insurance. The key thing to remember is the more rate comparisons you have, the higher your chance of finding inexpensive insurance coverage. Consumers could even find that the best prices are with a small local company. They can often insure niche markets at a lower cost as compared to the big name companies such as Geico and State Farm.

For more information, take a look at the resources below: