1999 Honda Civic Insurance Quotes

Trying to find better car insurance rates for your Honda Civic? Searching for better insurance prices for your Honda Civic could be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to buy car insurance so we’re going to tell you the proper way to get price quotes for a new or used Honda and find the lowest price from both online companies and local agents.

You need to get comparison quotes before your next renewal due to the fact that insurance prices are adjusted regularly by insurance companies. Even if you got the lowest rates on Civic insurance six months ago there may be better deals available now. Ignore everything you know about car insurance because I’m going to teach you one of the easiest ways to lower your annual insurance bill.

Finding the best rates is quite easy. If you have a current insurance policy or are just looking to switch companies, you can learn to cut your premiums and still get good coverage. Vehicle owners just need to understand the proper methods to get comparison quotes online.

Take policy discounts and save

Buying insurance is not cheap, but you may find discounts that many consumers don’t even know exist. Some of these disounts will be visible at the time you complete a quote, but a few must be inquired about before they will apply. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Auto/Life Discount – Not all insurance companies offer life insurance, but some may give you a lower premium rate if you buy a life insurance policy as well.
  • Professional Memberships – Affiliation with a professional or civic organization could qualify you for a break on your policy.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and can earn a small discount on your policy.
  • Distant Student Discount – Kids who live away from home at college and do not take a car to college could get you a discount.
  • Mature Driver Discount – Mature drivers may qualify for better insurance rates on Civic insurance.
  • ABS Braking Discount – Cars and trucks equipped with ABS or steering control can reduce accidents and the ABS can save up to 10%.
  • Discounts for Government Workers – Employees or retirees of the government could provide a small rate reduction on Civic insurance depending on your company.
  • Drivers Ed for Students – Teen drivers should enroll in driver’s education if it’s offered in school.
  • Service Members Pay Less – Being deployed in the military may lower your prices slightly.
  • More Vehicles More Savings – Insuring multiple cars or trucks with the same insurance company can get a discount on all vehicles.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like you could get a free insurance policy, nobody gets a free ride.

Some companies that may have most of these discounts possibly include:

Check with each company which discounts you qualify for. Depending on the company, some discounts might not be offered in your area. For a list of providers who offer discounts, click here to view.

First Step: Get free insurance quotes

Performing a rate comparison can be exhausting if you don’t know the fastest way to get free quotes. You can waste hours talking about coverages with insurance companies in your area, or you could use online quotes to quickly compare rates.

Most of the best insurance companies enroll in a system where prospective buyers enter their policy data once, and at least one company then returns a price quote based on the submitted data. This saves time by eliminating repetitive form submissions for every insurance company.

To fill out one form to compare multiple rates now click here (opens in new window).

The single downside to using this type of system is you cannot specify the insurers you want pricing from. So if you prefer to pick from a list of companies to compare, we have assembled a list of insurance companies in your area. Click here to view list.

Which method you use is up to you, but make sure you are using nearly identical coverage limits and deductibles for every company. If you have higher or lower deductibles it will be very difficult to decipher which rate is best.

Lower your insurance costs

When buying insurance coverage it’s important to understand the factors that go into determining the level of your policy premiums. If you have some idea of what controls the rates you pay, this empowers consumers to make smart changes that can earn you big savings.

The items below are most of the major factors used by your company to calculate your rate level.

  • Bundling policies can get discounts – The majority of insurance companies provide better rates to insureds who buy several policies from them. It’s known as a multi-policy discount. The discount can be ten percent or more. Even if you already get this discount, you may still want to compare other company rates to help ensure you have the lowest rates.
  • Rates may be lower depending on your vocation – Do you have a high-stress occupation? Careers such as lawyers, social workers and emergency personnel generally pay higher rates than the rest of us due to intense work situations and extremely grueling work hours. Conversely, occupations such as farmers, athletes and the unemployed generally pay rates lower than average on Civic insurance.
  • Lower rates for married couples – Getting married may save some money when shopping for insurance coverage. It is viewed as being less irresponsible and it’s proven that being married results in fewer claims.
  • Limits of liability protection – Liability coverage will protect you when you are determined to be liable for physical damage or personal injury to other. Liability provides legal defense starting from day one. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Optional features impact insurance coverage rates – Buying a car with a theft deterrent system can earn a premium discount. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft and help lower rates.
  • Cautious drivers pay less – Having a single driving citation could increase your next policy renewal substantially. Drivers with clean records pay less for auto insurance compared to bad drivers. Drivers who have received serious violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
  • How old are your drivers? – Youthful drivers are known to be more careless when driving with friends so they pay higher insurance coverage rates. If you’ve ever had to add a inexperienced driver to your insurance coverage policy can cause a big jump in price. Older drivers are viewed as being more responsible, are lower risk to insure and tend to be get fewer driving tickets.

Which policy gives me the best coverage?

When it comes to buying coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining if your insurance needs might need professional guidance.

  • Do I have any recourse if my insurance company denies a claim?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered when using my vehicle for business?
  • Which is better, split liability limits or combined limits?
  • When do I need to add a new car to my policy?
  • Am I missing any policy discounts?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Why you might not save $387 a year

Drivers constantly see and hear ads for car insurance savings from companies such as Progressive, Allstate and Geico. They all advertise claims that you’ll save big if you get a free auto insurance quote and switch your car insurance policy to them.

How can each company lower your premium rates? It’s all in how they say it.

All the different companies have a preferred profile for the right customer that earns them the most money. A good example of a desirable risk could possibly be a married female, owns their home, and drives a vehicle with a low ISO rating. Any driver who matches that profile will probably get cheap prices and will also pay quite a bit less when switching companies.

Drivers who fall short of these criteria will have to pay a more expensive rate and this can result in business going elsewhere. The wording the ads use say “customers that switch” not “everyone who quotes” save that kind of money. This is how insurance companies can advertise the way they do. That is why it’s extremely important to compare price quotes frequently. Because you never know with any certainty which company will fit you best based on your risk profile.

Auto insurance coverage information

Understanding the coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Auto liability insurance

This coverage provides protection from damage or injury you incur to other’s property or people by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like emergency aid, bail bonds and attorney fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Auto collision coverage

This pays for damage to your Civic resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as scraping a guard rail, backing into a parked car, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1999 Honda Civic.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like prosthetic devices, pain medications, chiropractic care, hospital visits and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as theft, hitting a deer, rock chips in glass and damage from getting keyed. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Quote more, save more

Some insurance providers don’t offer the ability to get a quote online and many times these small, regional companies provide coverage only through independent insurance agents. The cheapest 1999 Honda Civic insurance is available from both online companies and from local agencies, so you need to compare both to get a complete price analysis.

As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. The aim is to purchase plenty of coverage at the lowest possible cost.

People leave their current company for a number of reasons such as high rates after DUI convictions, not issuing a premium refund, delays in paying claims or questionable increases in premium. Regardless of your reason, switching companies can be easy and end up saving you some money.

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