Cheaper 1997 Honda Civic Car Insurance Quotes

Finding more affordable coverage rates for insurance coverage can be kind of frustrating for drivers who are new to comparison shopping online. People have so many different companies and agents to choose from that it can easily be hard work to find the perfect company for you.

It’s a great practice to get comparison quotes yearly since insurance prices fluctuate regularly. If you had the best rate on Civic coverage at your last renewal you can probably find a lower rate today. Forget all the misinformation about insurance coverage because you’re about to learn the tricks you need to know to eliminate unnecessary coverages and save money.

Buy insurance online

All the larger insurance companies like State Farm and Allstate allow consumers to get prices for coverage on their websites. Comparing prices online is pretty easy because it’s just a matter of typing in your personal and coverage information as detailed in the form. When complete, their system automatically orders information on your driving record and credit history and returns a price.

Online price estimates makes it a lot easier to compare rates but the time required to go to each company’s website and repetitively complete many quote forms is not the best way to spend an afternoon. But it’s also necessary to get many rate quotes in order to find better prices.

There is an easier way!

The quickest way to find lower prices uses one form that gets price quotes from a lot of companies. It’s a real time-saver, requires less work, and makes online shopping much more efficient. After your information is entered, it gets priced with multiple companies and you can pick any or none of the price quotes you receive. If the quotes result in lower rates, you can click and sign and purchase coverage. The whole process can be completed in a matter of minutes and may result in a nice savings.

To find out how much you can save on insurance, simply click here to open in new window and fill out the form. To compare your current rates, we recommend you enter the coverage information exactly as they are listed on your policy. This way, you will be getting a fair comparison based on similar coverages.

Do you qualify for discount car insurance?

Car insurance companies don’t always advertise the complete list of policy discounts very clearly, so the below list has a few of the more common and also the lesser-known discounts that may be available.

• Federal Employees – Simply working for the federal government may qualify for a discount when you quote insurance on Civic coverage with some car insurance companies.
• Telematics Discount – Insureds who allow their insurance company to monitor when and where they use their vehicle by installing a telematics device such as Progressive’s Snapshot could see a rate decrease if they have good driving habits.
• Low Mileage Discounts – Driving fewer miles can qualify you for lower premium rates on the low mileage vehicles.
• Accident Free – Drivers who don’t have accidents can earn big discounts in comparison with bad drivers.
• Seat Belt Usage – Drivers who require all vehicle occupants to fasten their seat belts could save 15% off the personal injury premium cost.
• Theft Prevention System – Vehicles with anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.

As a sidenote, some credits don’t apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, it doesn’t quite work that way.

To choose insurance companies with discount car insurance rates, click this link.

What insurance coverages do I need?

When it comes to choosing adequate coverage for your vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover if your situation might need professional guidance.

• Will I be non-renewed for getting a DUI or other conviction?
• Should I buy only the required minimum liability coverage?
• Will my insurance pay for OEM parts?
• What exactly is covered by my policy?
• I have a DUI can I still get coverage?
• What vehicles should carry emergency assistance coverage?
• Am I covered if hit by an uninsured driver?
• Does my policy cover my teen driver if they drive my company car?
• Is my custom paint covered by insurance?
• What companies insure drivers after a DUI or DWI?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance specifics

Knowing the specifics of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Honda Civic.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverage (or Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a bird, damage from a tornado or hurricane, hail damage, rock chips in glass and hitting a deer. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverage

Liability insurance provides protection from damage or injury you incur to people or other property in an accident. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as legal defense fees, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

Collision coverage will pay to fix damage to your Civic resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like rolling your car, backing into a parked car, hitting a mailbox and colliding with a tree. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for bills for nursing services, X-ray expenses, chiropractic care and surgery. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay