Lower Your 2000 Honda Civic Insurance Quotes

Want cheaper insurance coverage rates for your Honda Civic? Nobody I know fancies paying their premiums for insurance coverage, in particular when the cost is too high.

Numerous auto insurance companies battle for your insurance dollar, and because of this it can be hard to compare insurers and uncover the absolute cheapest price

If you have car insurance now, you will be able to save some money using these tips. Finding the best rates is not rocket science. But consumers need to have an understanding of the way companies price insurance differently and apply this information to your search.

Quote insurance coverage online

When comparison shopping, there are several ways of comparing price quotes from companies that offer insurance coverage in your state. The best method to find cheaper 2000 Honda Civic rates is to use the internet to compare rates. It’s really quite simple and can be done in a couple minutes as outlined below.

The most recommended method consumers can analyze rates is a comparison rater form like this one (opens in new window). This type of form prevents you from having to do repetitive form entry for each company you want a rate for. One form gets prices estimates from insurance coverage companies with the best prices.

A more time consuming way to find lower rates requires you to visit the website for every company you want to comare and request a quote. For instance, we’ll pretend you need rates from Auto-Owners, Farmers and American Family. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is not fast way to get rate quotes. For a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but make absolute certain that you use the exact same coverages for each comparison quote. If you are comparing differing limits it will be impossible to make a fair comparison for your Honda Civic. Having just a slight variation in coverage limits may result in large price differences. And when price shopping your coverage, comparing all the rates in your area helps locate a lower rate. Some companies don’t provide prices over the internet, so it’s important to also get prices on coverage from those companies, too.

How insurers calculate Honda Civic insurance prices

Many different elements are part of the calculation when quoting car insurance. Some are obvious like your driving record, although others are not quite as obvious such as your credit history or your financial responsibility.

  • Where you reside – Choosing to live in small towns and rural areas can be a good thing when buying insurance. Less people living in that area means reduced accidents and a lower car theft rate. Drivers in populated areas regularly have congested traffic and longer commute times. More time commuting statistically corresponds to a higher accident and claim rate.
  • Safer vehicles are cheaper to insure – Vehicles with high crash test scores tend to have lower insurance rates. Vehicles engineered for safety result in less severe injuries and fewer serious injuries translates into savings for insurance companies and cheaper rates on your policy.
  • High insurance claims frequency drives up premiums – Car insurance companies award better rates to policyholders who do not file claims often. If you frequently file small claims, you can expect much higher rates or policy non-renewal. Auto insurance is designed for major claims that would cause financial hardship.
  • Your spouse saves you money – Walking down the aisle actually saves money compared to being single. It usually means you are more mature than a single person and statistics prove drivers who are married file infrequent claims.
  • Cheaper rates using alarms and GPS tracking – Buying a car that has an advanced theft prevention system can help bring down rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft and help lower rates.
  • Save money by having high credit – Credit score will be a significant factor in calculating your insurance rates. People that have very good credit scores tend to be less risk to insure than drivers who have poor credit scores. If your credit score is lower than you’d like, you could save money insuring your 2000 Honda Civic if you clean up your credit.
  • How old are your drivers? – More experienced drivers are more responsible, cost insurance companies less in claims and tend to be get fewer driving tickets.Teen drivers are statistically shown to be more careless when driving with friends so insurance rates are higher.
  • Liability is critical – The liability section of your policy kicks in when you are found to be at fault for causing personal injury or damage in an accident. Your policy’s liability insurance provides for a legal defense to defend your case. Liability is cheap when compared with rates for comp and collision, so do not skimp.

Insurance coverage quotes and discounts

Car insurance companies don’t always list every available discount in a way that’s easy to find, so here is a list some of the more common and also the more inconspicuous credits available to bring down your rates.

  • College Student – Youth drivers living away from home attending college without a vehicle on campus can receive lower rates.
  • Responsible Driver Discounts – Drivers who avoid accidents may save up to 50% more for Civic insurance compared to accident prone drivers.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems could see savings of 25 to 30%.
  • E-sign – A few insurance companies will give a small break simply for signing over the internet.
  • Club Memberships – Affiliation with specific professional or occupational memberships or organizations could qualify you for a break on your next insurance coverage statement.
  • No Claims – Drivers who stay claim-free are rewarded with significantly better rates on auto insurance quote as opposed to policyholders that have many claims.

We need to note that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though you would think you can get free auto insurance, that’s just not realistic. But all discounts will positively reduce your premiums.

A few of the larger companies and a summarized list of policyholder discounts are shown below.

  • Geico may have discounts that include seat belt use, emergency military deployment, driver training, anti-lock brakes, and anti-theft.
  • SAFECO may include discounts for teen safety rewards, safe driver, anti-lock brakes, homeowner, accident prevention training, and multi-car.
  • State Farm may offer discounts for driver’s education, accident-free, defensive driving training, student away at school, good driver, Steer Clear safe driver discount, and multiple policy.
  • MetLife offers discounts including claim-free, multi-policy, defensive driver, good student, good driver, accident-free
  • 21st Century includes discounts for student driver, homeowners, early bird, good student, defensive driver, anti-lock brakes, and air bags.
  • Progressive offers premium reductions for multi-policy, homeowner, continuous coverage, good student, online signing, online quote discount, and multi-vehicle.

If you want the cheapest auto insurance quotes, ask all companies you are considering to apply every possible discount. A few discounts might not be offered on policies everywhere. For a list of companies offering insurance coverage discounts, click this link.

Situations that may require an agent’s advice

When it comes to choosing coverage, there really is not a one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Why does it cost so much to insure a teen driver?
  • Which companies will insure high-risk drivers?
  • Is my dog or cat covered if injured in an accident?
  • Are rock chip repairs covered?
  • Is my trailer covered?
  • Should I rate my 2000 Honda Civic as pleasure use or commute?
  • I don’t drive much so do I pay less?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Parts of your car insurance policy

Having a good grasp of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages available from car insurance companies.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, hitting a deer and hitting a bird. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision protection

This coverage will pay to fix damage to your Civic resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as backing into a parked car, hitting a parking meter, colliding with a tree and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto liability insurance

Liability coverage will cover damage or injury you incur to other people or property in an accident. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

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 policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like medical expenses, bail bonds, medical services and loss of income. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses for dental work, ambulance fees and EMT expenses. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Shop smart and save

A few companies do not provide the ability to get quotes online and these regional carriers only sell through independent insurance agents. Cheaper insurance coverage can be purchased from both online companies as well as from independent agents, so compare prices from both so you have a total pricing picture.

In this article, we presented a lot of ways to get a better price on 2000 Honda Civic insurance. The key concept to understand is the more times you quote, the better your chances of lowering your prices. You may even find the best premium rates are with a lesser-known regional company. These smaller insurers may only write in your state and offer lower prices as compared to the big name companies such as State Farm and Allstate.

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