1997 Honda Civic del Sol Insurance Cost

Searching for cheaper insurance rates for your Honda Civic del Sol? No one in their right mind enjoys paying for insurance, in particular when they are paying too much.

Many car insurance companies vie to insure your vehicles, and because of this it can be hard to compare auto insurance companies to discover the definitive lowest cost out there.

Smart consumers take time to compare rates every six months because rates fluctuate regularly. Even if you got the best rates for Civic del Sol coverage on your last policy you may be paying too much now. Starting now, forget anything you know (or think you know) about insurance because you’re going to get a crash course in one of the easiest ways to reduce your cost while increasing coverage.

How to Get Insurance Comparison Quotes

To find the best insurance prices, there are several ways of comparing rates from insurance companies in your area. One of the best ways to find the lowest 1997 Honda Civic del Sol rates is to get quotes online. This can be accomplished in a couple of different ways.

  1. The first (and easiest) way to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This type of form eliminates the need for separate forms for each company. One quote request gets you price quotes from multiple companies.
  2. A more time consuming way to analyze rates requires a trip to each individual company website and complete a new quote form. For examples sake, let’s say you want rates from Nationwide, Allstate and Geico. To find out each rate you need to visit each site to enter your coverage information, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

It’s up to you which method you use, but ensure you are comparing the exact same coverage information for every quote you compare. If the quotes have different limits and deductibles on each one it will be next to impossible to determine which rate is truly the best. Having just a slight variation in coverages can result in a big premium difference. It’s important to know that comparing more company’s prices will enable you to find lower pricing.

Can you really save $485 a year?

Auto insurance companies such as Allstate and Progressive constantly bombard you with ads in print and on television. They all seem to say the same thing that you’ll save big if you switch your coverage to them. But how can every company say the same thing? It’s all in the numbers.

All the different companies have a preferred profile for the type of customer they prefer to insure. For instance, a profitable customer might be profiled as between the ages of 40 and 55, insures multiple vehicles, and chooses high deductibles. A customer that hits that “sweet spot” will get very good rates and is almost guaranteed to save when they switch companies.

Drivers who don’t qualify for the requirements will be charged higher prices which usually ends up with business going elsewhere. The ad wording is “customers that switch” not “people who quote” save that kind of money. That’s the way companies can truthfully advertise the way they do. That is why you need to get as many quotes as possible. You cannot predict the company that will give you the biggest savings on Honda Civic del Sol insurance.

What determines your Honda Civic del Sol insurance premium

An important part of buying insurance is that you know some of the elements that come into play when calculating your insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that can help you get much lower annual insurance costs.

The list below includes a few of the “ingredients” that factor into your rates.

  • No coverage gaps is important – Allowing your coverage to lapse is a guaranteed way to trigger a rate increase. And not only will insurance be more expensive, but not being able to provide proof of insurance may earn you a revoked license or a big fine.
  • Big city or small town – Being located in a small town has it’s advantages when buying insurance. Drivers in populated areas have to deal with congested traffic and longer commutes to work. Less people living in that area translates into fewer accidents and a lower car theft rate.
  • Do men or women drive better? – Statistics demonstrate that men are more aggressive behind the wheel. However, don’t assume that women are BETTER drivers than men. Women and men cause accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also receive more costly citations like DUI and reckless driving.
  • Do you need the policy add-ons? – There are quite a few additional coverages that can waste your money on your insurance policy. Coverages for rental car reimbursement, accident forgiveness and term life insurance may be wasting your money. These may sound like a good investment when you first buy your policy, but if they’re wasting money eliminate them to save money.
  • The more you drive the more you pay – Driving more miles each year the higher your rate. The majority of insurers charge to insure your cars based upon how you use the vehicle. Vehicles left parked in the garage can get a lower rate than vehicles that are driven to work every day. Make sure your insurance coverage shows the proper vehicle usage, because it can save money. If your policy improperly rates your Civic del Sol can result in significantly higher rates.
  • Do you qualify for a multi-policy discount? – Many insurers provide better rates to insureds who buy several policies from them in the form of a multi-policy discount. Even with this discount, you may still want to compare rates to make sure you are getting the best deal. You may still find a better deal by splitting coverages up.
  • Safer cars cost less to insure – Safer cars tend to have better insurance rates. Safe vehicles have better occupant injury protection and fewer injuries means lower claim amounts and lower rates for you. If the Honda Civic del Sol scored better than four stars on Safercar.gov it may be receiving lower rates.

Save money by taking advantage of these discounts

Companies offering auto insurance don’t always list all their discounts very well, so here is a list some of the more common as well as the least known savings tricks you should be using.

  • No Accidents – Claim-free drivers can save substantially when compared with frequent claim filers.
  • Low Mileage Discounts – Keeping the miles down on your Honda could be rewarded with a substantially lower rate.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Paperless Signup – A few companies may give you up to $50 just for signing your application on their website.
  • College Student – Children who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.

Consumers should know that most discount credits are not given the the whole policy. Some only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way.

To see a list of providers with the best car insurance discounts, click this link.

When should I use an insurance agent?

When buying proper insurance coverage, there is no perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that may help you determine if you might need professional guidance.

  • How much can I save by bundling my policies?
  • How much underlying liability do I need for an umbrella policy?
  • How high should my medical payments coverage be?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • When should I not file a claim?
  • Am I covered when driving on a suspended license?
  • Am I covered if I hit a deer?
  • Should I waive the damage coverage when renting a car?
  • Is my trailer covered?
  • Will my rates increase for filing one claim?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Auto insurance specifics

Having a good grasp of your auto insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most auto insurance policies.

Coverage for liability

Liability insurance provides protection from damage that occurs to other people or property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for things like structural damage, loss of income, court costs, funeral expenses and bail bonds. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Comprehensive protection

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as theft, damage from getting keyed, hail damage and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 1997 Honda Civic del Sol.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses for EMT expenses, hospital visits, ambulance fees, funeral costs and chiropractic care. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision protection

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

Collision coverage protects against claims such as sustaining damage from a pot hole, crashing into a building, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Money doesn’t grow on trees

You just read many tips how you can get a better price on 1997 Honda Civic del Sol insurance. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even find the best price on car insurance is with a smaller regional carrier. Smaller companies often have lower prices on specific markets than the large multi-state companies such as Progressive and Geico.

When you buy insurance online, you should never buy less coverage just to save a little money. Too many times, an insured cut liability coverage limits only to find out that it was a big error on their part. The ultimate goal is to find the BEST coverage at the best price, not the least amount of coverage.

Additional car insurance information is available at the links below