Save on 1999 Honda Civic Insurance Quotes

Looking for lower insurance coverage rates for your Honda Civic? Perplexed by the dozens of insurance coverage choices? You’re not the only one! There are so many companies to choose from that it can quickly become a real hassle to find the lowest price.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these tips. Locating the cheapest protection is not that difficult. But consumers do need to learn the methods companies use to market insurance on the web.

Save with discounts on Honda Civic insurance

Companies that sell car insurance do not list every available discount in a way that’s easy to find, so we researched both the well known and also the lesser-known insurance savings.

  • Discount for Life Insurance – Select insurance companies reward you with a break if you buy auto and life insurance together.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
  • Low Mileage – Keeping the miles down on your Honda could be rewarded with a substantially lower rate.
  • Bundle and Save – If you have multiple policies with one insurance company you will save 10% to 20% off each policy.
  • Student Driver Training – Have your child complete a driver education course in school.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills can save you 5% or more if you qualify.
  • Organization Discounts – Belonging to a qualifying organization could qualify you for a break when buying insurance on Civic insurance.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Civic insurance than less cautious drivers.

Consumers should know that most discount credits are not given to all coverage premiums. Most only reduce individual premiums such as medical payments or collision. So when it seems like you can get free auto insurance, you won’t be that lucky.

To see a list of insurance companies who offer insurance discounts, click here to view.

Honda Civic premiums are determined by many factors

Smart consumers have a good feel for the rating factors that come into play when calculating the price you pay for insurance coverage. Having a good understanding of what influences your rates enables informed choices that can help you get lower insurance coverage prices.

  • Consolidate policies to earn discounts – Many insurance coverage companies give discounts to customers who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to ten or even up to twenty percent in some cases. Even with this discount, you still need to shop around to ensure the best deal. You may still find a better deal by splitting coverages up.
  • Safer occupants lowers premiums – Vehicles with high crash test scores get lower rates. These vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and lower rates for you. If your Honda earned at least four stars on Safercar.gov it may be receiving lower rates.
  • Your job and insurance rates – Jobs such as lawyers, business owners and accountants tend to pay higher rates than average due to stressful work requirements and long work days. On the flip side, occupations such as pilots, athletes and retirees have the lowest average rates on Civic insurance.
  • Extra add-on coverages are wasting money – There are a lot of add-on coverages you can purchase when buying insurance coverage. Things like personal injury protection, better glass coverage and motor club memberships are some examples. These coverages may sound good initially, but if you don’t need them remove them from your policy.
  • Your location is important – Residing in small towns and rural areas can be a good thing when it comes to insurance coverage. Fewer drivers means fewer accidents and a lower car theft rate. City drivers have to deal with much more traffic to deal with and longer commutes to work. More time on the road means higher likelihood of an accident.
  • An active claims history can cost you – Auto insurance companies give lower rates to drivers who file claims infrequently. If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
  • Teen drivers pay high rates – Teenage drivers have a tendency to be more careless in a vehicle so they pay higher insurance coverage rates. Mature drivers are viewed as being more responsible, file fewer claims and are safer drivers.
  • Poor driving leads to higher costs – Your driving record has a big impact on rates. Even a single speeding ticket may increase your cost by twenty percent. Drivers with clean records get better rates than bad drivers. Drivers who get serious violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with their state DMV in order to continue driving.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different.

For example, these questions might help in determining whether or not you would benefit from professional advice.

  • Can my teen drive my company car?
  • Am I covered if I hit a deer?
  • When can I cancel my policy?
  • Do I have coverage when using my vehicle for my home business?
  • Should I sign the liability waiver when renting a car?
  • Is my Honda Civic covered if I use it for business?
  • What can I do if my company denied a claim?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Car insurance coverage information

Having a good grasp of your policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Auto liability – Liability insurance can cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims like structural damage, medical services and legal defense fees. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Coverage for medical expenses – Med pay and PIP coverage provide coverage for short-term medical expenses for things like EMT expenses, X-ray expenses, doctor visits, rehabilitation expenses and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Collision coverages – This pays for damage to your Civic resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a mailbox, crashing into a ditch, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers – This coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Honda Civic.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive insurance – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a broken windshield, damage from flooding and vandalism. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Get your money’s worth

When shopping online for car insurance, make sure you don’t buy less coverage just to save a little money. In many cases, consumers will sacrifice collision coverage and discovered at claim time that the savings was not a smart move. Your focus should be to buy enough coverage at an affordable rate, not the least amount of coverage.

We covered many ways to compare 1999 Honda Civic insurance prices online. 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 lowest premiums are with an unexpected company.

Drivers switch companies for many reasons like delays in paying claims, poor customer service, policy cancellation or not issuing a premium refund. Regardless of your reason, finding a new car insurance company is easier than you think.

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