2002 Honda Civic Insurance Rates – 5 Tricks for Best Quotes

Trying to find the cheapest car insurance rates? Buyers have options when searching for the best price on Honda Civic insurance. They can either waste time struggling with agents to get rate comparisons or leverage the internet to get rate quotes. There is a right way and a wrong way to buy car insurance so we’re going to tell you the best way to price shop coverage for a Honda and get the best price possible.

The best way to compare rates is to take advantage of the fact almost all companies participate in a system to quote your coverage. The only thing you need to do is provide details like if you lease or own, if you have a valid license, if a SR-22 is needed, and the ages of drivers. That rating data gets transmitted to multiple insurance providers and they respond with quotes almost instantly.

Verify you’re getting every discount

Some insurers do not list their entire list of discounts in an easy-to-find place, so the following is a list of both well-publicized as well as the least known discounts that you may qualify for.

  • Defensive Driver Discounts – Taking a class that teaches safe driver techniques can save you 5% or more if you qualify.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices help deter theft and will save you 10% or more.
  • Pay Upfront and Save – If you can afford to pay the entire bill instead of monthly or quarterly installments you can avoid monthly service charges.
  • Policy Bundle Discount – If you insure your home and vehicles and insure them with the same company they may give you a discount of over 10 percent off each policy depending on the company.
  • E-sign Discounts – A few larger online companies will give a small break simply for signing on your computer.

Drivers should understand that most credits do not apply to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. Just because it seems like you could get a free car insurance policy, car insurance companies aren’t that generous.

Some of the insurance companies who may offer most of these discounts include:

Check with each insurance company the best way to save money. Discounts may not be available everywhere. To locate providers that offer multiple discounts, click here.

When should I discuss my situation with an agent?

When it comes to buying the right insurance coverage, there really is not a one size fits all plan. Each situation is unique.

For instance, these questions may help you determine if your situation could use an agent’s help.

  • Does my car insurance cover rental cars?
  • Am I covered when driving on a suspended license?
  • Do I pay less if my vehicle is kept in my garage?
  • Which companies will insure high-risk drivers?
  • Are my friends covered when driving my car?
  • Do I need replacement cost coverage on my 2002 Honda Civic?
  • What is covered by UM/UIM coverage?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Beware of misleading auto insurance ads

Drivers can’t ignore all the ads for cheaper auto insurance from companies such as Progressive, Allstate and Geico. All the ads seem to make the promise about saving some big amount just by moving your coverage.

Is it even possible that every company can make the same claim? This is the way they can do it.

Different companies have an ideal profile for the type of driver they prefer to insure. An example of a desirable insured may need to be over age 30, carries high limits, and insures a new vehicle. A propective insured that matches those criteria is entitled to the best price and have a good chance to save when they switch companies.

People who do not match the “perfect” profile will get a more expensive rate and this can result in the prospect going elsewhere. If you listen to the ad wording, they say “drivers that switch” not “everyone that quotes” can save as much as they claim. This is how companies can truthfully advertise the way they do. This illustrates why you need to get price quotes at each policy renewal. It’s not possible to predict which auto insurance company will provide you with the cheapest rates.

Car insurance coverage information

Knowing the specifics of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as dental work, funeral costs, hospital visits and EMT expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your 2002 Honda Civic.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Liability auto insurance

Liability insurance can cover damage that occurs to a person or their property that is your fault. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as structural damage, court costs, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Comprehensive coverages

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a deer, a tree branch falling on your vehicle and vandalism. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto collision coverage

This pays for damage to your Civic resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as driving through your garage door, sustaining damage from a pot hole, hitting a mailbox, damaging your car on a curb and rolling your car. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

In Summary

When searching for affordable car insurance quotes, do not skimp on coverage in order to save money. There are too many instances where an insured cut full coverage and found out when filing a claim they didn’t have enough coverage. The proper strategy is to purchase plenty of coverage at the best price, but do not sacrifice coverage to save money.

Some insurance providers do not provide rates over the internet and most of the time these regional insurance providers sell through independent insurance agents. Cheaper 2002 Honda Civic insurance is definitely available from both online companies and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from.

People change insurance companies for any number of reasons including questionable increases in premium, high rates after DUI convictions, delays in paying claims and an unsatisfactory settlement offer. Whatever your reason, finding a new company is less work than it seems.

More information can be found at these links: