1991 Honda Civic Insurance Quotes – 5 Tips for Cheapest Rates

Searching for better insurance rates? Consumers have a choice when looking for affordable Honda Civic insurance. They can either spend hours struggling with agents getting price quotes or use the internet to make rate comparisons. There are both good and bad ways to find insurance online so you’re going to learn the best way to get price quotes for a new or used Honda and find the lowest price either online or from local insurance agents.

Consumers need to do rate comparisons before your policy renews due to the fact that insurance rates change quite often. Just because you found the lowest rates for Civic coverage a couple years back the chances are good that you can find a lower rate today. Starting right now, forget all the misinformation about insurance because I’m going to teach you the proper way to find lower rates on insurance.

Finding the best rates is easy if you know what you’re doing. If you have car insurance now, you will be able to lower your premiums substantially using these tips. Drivers just need to understand how to compare company rates on the web.

Pay less for Honda Civic insurance

Companies offering auto insurance don’t always list every available discount very clearly, so we break down some of the best known and the more hidden car insurance savings. If you’re not getting every credit possible, you’re paying more than you need to.

  • Discount for Swiching Early – Select companies give a discount for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you will save approximately 10% to 15%.
  • Life Insurance – Larger companies have a break if you buy life insurance.
  • Military Discounts – Being deployed with a military unit can result in better rates.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course in high school.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. Just because you may think you can get free auto insurance, companies don’t profit that way.

Insurance companies that may offer some of the above discounts include:

Check with each company how you can save money. Discounts may not apply in your state.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions might help in determining whether or not you may require specific advice.

  • Do I need special endorsements for business use of my vehicle?
  • Do I need rental car coverage?
  • Am I covered if I wreck a rental car?
  • Does my car insurance cover rental cars?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does having multiple vehicles earn me a discount?
  • Can my babysitter drive my car?

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. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Ads can be misleading

Consumers can’t get away from ads for cheaper car insurance from companies such as Allstate, Geico and Progressive. All the companies have a common claim that you can save if you change your policy.

How does each company claim to save you money? This is how they do it.

All companies have a certain “appetite” for the type of customer that makes them money. For instance, a desirable insured could possibly be over the age of 40, is a homeowner, and chooses high deductibles. Any new insured who fits that profile receives the best rates and is almost guaranteed to save a lot of money.

Potential customers who don’t measure up to these standards must pay higher premiums which leads to the customer not buying. The ad wording is “drivers who switch” not “everyone that quotes” save that much. This is how companies can truthfully make the claims of big savings. This illustrates why you need to quote coverage with many companies. It’s just too difficult to predict which insurance companies will provide you with the cheapest Honda Civic insurance rates.

Educate yourself about insurance coverages

Understanding the coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for bills like funeral costs, chiropractic care, prosthetic devices, pain medications and hospital visits. They are often utilized in addition to your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Auto liability insurance

This will cover damages or injuries you inflict on other’s property or people. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as funeral expenses, structural damage, attorney fees and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hail damage, hitting a deer and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Honda Civic.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision coverage

Collision coverage covers damage to your Civic from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a parking meter, scraping a guard rail, backing into a parked car, colliding with another moving vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Final thoughts

When you buy insurance online, it’s a bad idea to buy less coverage just to save a little money. Too many times, an insured dropped physical damage coverage to discover at claim time that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at a price you can afford while not skimping on critical coverages.

Low-cost 1991 Honda Civic insurance can be bought online as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. Some car insurance companies don’t offer the ability to get a quote online and these small, regional companies work with independent agents.

Insureds change insurance companies for a number of reasons such as not issuing a premium refund, poor customer service, denial of a claim or extreme rates for teen drivers. Whatever your reason, switching car insurance companies can be easy and end up saving you some money.

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