View 1993 Honda Civic Insurance Quotes

Want lower insurance rates for your Honda Civic? Did you fall for a flashy sales pitch and buy high-priced insurance? Believe me when I say there are lots of people in the same boat. Lots of insurance companies contend to insure your vehicles, so it’s not easy to compare every company to find the absolute lowest rate possible.

Discounts on Honda Civic insurance

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to help bring down the price. Most are applied when you purchase, but a few need to be inquired about before they will apply. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Defensive Driver – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Clubs and Organizations – Participating in a qualifying organization could qualify you for a break when shopping for auto insurance for Civic coverage.
  • One Accident Forgiven – A few companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy could earn a price break for each car.
  • Life Insurance – Select insurance companies reward you with a break if you buy auto and life insurance together.
  • Bundle and Save – When you have multiple policies with the same insurance company you may earn 10% to 20% off each policy.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Federal Employees – Simply working for the federal government may qualify you for a discount for Civic coverage with select insurance companies.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, auto insurance companies aren’t that generous. Any amount of discount will cut your overall premium however.

A partial list of companies that may have some of the above discounts include:

Before buying, ask each company what discounts are available to you. Some discounts may not apply in every state.

Honda Civic insurance premiums are calculated by many factors

An important part of buying insurance is that you know some of the elements that help determine auto insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that may reward you with lower auto insurance prices.

  • Your auto insurance rates can be influenced by your job – Did you know your auto insurance rates can be affected by your occupation? Careers like judges, business owners and stock brokers are shown to have the highest rates because of job stress and long work hours. On the other hand, occupations like pilots, students and performers pay the least for Civic coverage.
  • Your location affects your rates – Residing in a small town can save you money when buying auto insurance. Fewer people translates into fewer accidents and a lower car theft rate. City drivers tend to have traffic congestion and much longer commute distances. Longer commute distances translates into higher accident risk.
  • High deductibles save money – The deductibles represent how much money you are willing to pay before a claim is paid by your company. Physical damage insurance, also known as collision and other-than-collision, insures against damage to your car. Examples of covered claims would be colliding with a building, collision with an animal, or theft. The more you’re willing to pay, the lower your rates will be for Civic coverage.
  • Claim-free discounts can add up – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Insurance companies provide cheaper rates to people who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Don’t skimp on liability – Liability coverage is the coverage that protects you if ever you are found to be at fault for personal injury or accident damage. It provides legal defense which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.
  • Policy add-ons can waste money – There are a ton of add-on coverages you can purchase if you aren’t careful. Things like rental car reimbursement, better glass coverage and motor club memberships may be costing you every month. They may seem good when talking to your agent, but if you don’t need them remove them from your policy.
  • Better credit means lower rates – Credit score is a huge factor in your rate calculation. If your credit history is lower than you’d like, you could be paying less to insure your 1993 Honda Civic by improving your rating. People with high credit ratings tend to be more responsible as compared to drivers with poor credit.

Tailor your coverage to you

When it comes to choosing adequate coverage, there isn’t really a best way to insure your cars. Every situation is different and your policy should reflect that. Here are some questions about coverages that may help highlight if your insurance needs may require specific advice.

  • Does coverage extend to my business vehicle?
  • Should I rate my 1993 Honda Civic as pleasure use or commute?
  • If my 1993 Honda Civic is totaled, can I afford another vehicle?
  • Why is insurance for a teen driver so high?
  • Is my ex-spouse still covered by my policy?
  • Is motorclub coverage worth it?
  • How high should my uninsured/underinsured coverage be in my state?
  • Can I afford to pay high deductible claims out of pocket?
  • Does liability extend to a camper or trailer?
  • Is business property covered if stolen from my car?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Detailed coverages of your auto insurance policy

Learning about specific coverages of auto insurance helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on the average auto insurance policy.

Liability auto insurance

This coverage protects you from damage that occurs to other’s property or people by causing an accident. It protects YOU against claims from other people. Liability 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. You might see values of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like legal defense fees, emergency aid, structural damage, repair bills for other people’s vehicles and pain and suffering. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, hail damage and damage from flooding. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like chiropractic care, hospital visits and X-ray expenses. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage

Collision insurance pays for damage to your Civic resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, sustaining damage from a pot hole, colliding with a tree, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Honda Civic.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Coverage on a shoestring budget

Discount 1993 Honda Civic insurance can be bought both online as well as from independent agents, so compare prices from both to get a complete price analysis. Some companies don’t offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

While you’re price shopping online, don’t be tempted to buy less coverage just to save a little money. There are many occasions where drivers have reduced collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to find the BEST coverage at the best price, not the least amount of coverage.

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