1996 Honda Civic Car Insurance Quotes – 10 Tips for Cheaper Rates

Looking for lower auto insurance rates for your Honda Civic? Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me, there are many consumers feeling the pinch from expensive auto insurance. Because there are so many companies and agents to choose from, it is very difficult to locate the right insurance company.

Finding affordable coverage is quite easy. If you have a policy now or are shopping for new coverage, you can use these tips to find better prices and possibly find even better coverage. Drivers just need to know the best way to buy auto insurance over the internet.

These ten discounts can slash car insurance rates

Companies offering auto insurance don’t always list every available discount in an easy-to-find place, so we researched some of the best known and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Multi-policy Discount – If you have multiple policies with the same company you may save 10% to 20% off each policy.
  • Early Signing – Some companies give discounts for signing up prior to your current policy expiration. This can save 10% or more.
  • Sign Online – Certain companies give back up to $50 just for signing your application on their website.
  • Homeowners Savings – Owning a home may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • One Accident Forgiven – Some insurance companies allow you one accident before your rates go up if your claims history is clear prior to the accident.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy qualifies for this discount.
  • Air Bag Discount – Cars that have air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Student in College – Kids in college living away from home attending college and do not have a car can be insured at a reduced rate.
  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Fewer Miles Equal More Savings – Driving fewer miles can earn a substantially lower rate.

Keep in mind that most discount credits are not given to all coverage premiums. A few only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like you can get free auto insurance, companies don’t profit that way.

For a list of companies with discount car insurance rates, click this link.

Car Insurance Quote Comparison

Performing a rate comparison is a ton of work if you don’t understand the best way to get rate quotes. You could spend your day driving to insurance companies in your area, or you could use online quotes to quickly compare rates.

Most of the larger companies are enrolled in a marketplace that enables customers to enter their policy data once, and every company provides a quote based on that information. This prevents consumers from doing quotation requests to each individual car insurance company. To compare 1996 Honda Civic rates using this form now click here to open in new window.

The one disadvantage to getting quotes like this is that consumers can’t choose which insurance companies to receive prices from. If you prefer to choose specific providers to request quotes from, we put together a list of companies who write car insurance in your area. Click here for list of insurance companies.

Whichever method you choose, make sure you use identical deductibles and coverage limits for each price quote. If you use higher or lower deductibles it will be impossible to decipher which rate is best.

When might I need the advice of an agent?

When it comes to choosing the right insurance coverage, there really is no best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions might help in determining if your situation would benefit from professional advice.

  • Does my 1996 Honda Civic need full coverage?
  • Why am I required to buy high-risk coverage?
  • Is my 1996 Honda Civic covered for flood damage?
  • What can I do if my company won’t pay a claim?
  • Does my 1996 Honda Civic qualify for pleasure use?
  • Is my custom paint covered by insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I have coverage when making deliveries for my home business?
  • Are my friends covered when driving my 1996 Honda Civic?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Insurance coverages 101

Knowing the specifics of insurance aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages found on most insurance policies.

Liability coverage

Liability insurance can cover damage that occurs to a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for things like repair bills for other people’s vehicles, structural damage, attorney fees and court costs. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Medical expense insurance

Med pay and PIP coverage provide coverage for short-term medical expenses such as X-ray expenses, EMT expenses, surgery and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Collision coverage

This covers damage to your Civic resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a ditch, colliding with a tree, driving through your garage door and scraping a guard rail. 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 choose a higher deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from 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 insurance covers claims like hitting a deer, damage from a tornado or hurricane, damage from getting keyed, vandalism and a broken windshield. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. 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, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Affordable insurance is out there

We just covered a lot of ways to reduce 1996 Honda Civic insurance prices online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Consumers may even find the most savings is with the least-expected company. These companies can often insure niche markets at a lower cost than their larger competitors like Progressive or Geico.

As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped liability limits or collision coverage and learned later that it was a big error on their part. Your aim should be to get the best coverage possible for the lowest price, not the least amount of coverage.

Cheap insurance can be purchased from both online companies as well as from independent agents, and you need to price shop both to have the best rate selection. Some insurance providers don’t offer online price quotes and most of the time these regional insurance providers sell through independent agents.

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