Save on 2002 Honda Civic Insurance Quotes

Looking for lower auto insurance rates for your Honda Civic? Are you a victim of high-priced auto insurance? Trust us when we tell you you are not the only one feeling buyer’s remorse. Big-name insurance companies like Progressive, State Farm and Geico all promote huge savings with ads and consumers find it hard to see past the geckos and flying pigs and do the work needed to find the best deal.

Honda Civic insurance premiums are calculated by many factors

It’s important that you understand the different types of things that help determine auto insurance rates. When you know what positively or negatively determines base rates helps enable you to make changes that may reward you with much lower annual insurance costs.

The following are a few of the “ingredients” that factor into rates.

  • Bump up deductibles to save – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Honda. A few examples of covered claims are a windshield shattered by a rock, collision with an animal, and rolling your vehicle. Deductibles for physical damage are how much you are willing to pay in the event of a claim. The more you have to pay, the bigger discount you will receive for Civic insurance.
  • More people means more accidents – Living in less populated areas can save you money when buying auto insurance. Lower population means fewer accidents and a lower car theft rate. Urban drivers tend to have traffic congestion and much longer commute distances. Longer commute distances means more change of being in an accident.
  • Males pay more for insurance – Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean men are worse drivers. They both tend to get into accidents in similar numbers, but the men have costlier accidents. Men also statistically have more aggressive citations like reckless driving and DUI. Youthful male drivers are the most expensive to insure and are penalized with high auto insurance rates.
  • Where do you drive? – Driving more miles in a year’s time the higher your rate. Most insurance companies rate vehicles based upon how you use the vehicle. Vehicles not used for work or commuting receive lower rates than those used for commuting. Ask your agent if your auto insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money. If your policy improperly rates your Civic can result in significantly higher rates.
  • Save money with special equipment – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
  • Liability coverage is peace of mind – The liability section of your policy will protect you if you are found to be at fault for damages from an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
  • Having a spouse can save you money – Getting married can get you a discount when buying auto insurance. Marriage is viewed as being more mature than a single person and statistics show married couples file fewer claims.
  • You might want pay the small claims yourself – If you file claims often, you can pretty much guarantee higher rates. Car insurance companies provide cheaper rates to people who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of the large, substantial claims.

Comprehensive Car Insurance Comparison

There are several ways you can shop for Honda Civic car insurance but one way is less labor-intensive and much quicker. You can spend your afternoon talking about coverages with insurance companies in your area, or you can stay home and use online quoting to get the quickest rates.

Most car insurance companies participate in an industry program where prospective buyers enter their policy data once, and every company then gives them pricing based on the submitted data. This system prevents you from having to do quotation requests to each individual car insurance company.

To find out what other companies charge for 2002 Honda Civic insurance click here (opens in new window).

One minor caviat to getting quotes like this is you cannot specify which companies you want pricing from. So if you prefer to pick from a list of companies to compare, we put together a list of low cost car insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but make darn sure you compare apples-to-apples quote information with each company. If you are comparing different limits and deductibles on each one it will be impossible to truly determine the lowest rate.

Discounts mean cheaper Honda Civic insurance rates

Car insurance companies don’t list all available discounts in an easy-to-find place, so we researched some of the more common and the more hidden savings tricks you should be using. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Senior Citizens – If you’re over the age of 55, you may receive a small decrease in premiums for Civic insurance.
  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
  • Early Signing – A few companies offer discounts for switching to them prior to your current policy expiring. This can save 10% or more.
  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.
  • Drive Less and Save – Keeping the miles down on your Honda can qualify you for discounted rates on garaged vehicles.
  • Bundle and Save – When you combine your home and auto insurance with the same company you could get a discount of 10% to 20% off each policy.
  • College Student – Youth drivers who are attending college and do not have a car may qualify for this discount.
  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates for Civic insurance than less cautious drivers.

It’s important to understand that many deductions do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like adding up those discounts means a free policy, it doesn’t quite work that way.

To see a list of companies with discount insurance coverage rates, click here.

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. For example, these questions might point out whether your personal situation would benefit from professional advice.

  • Where can I get insurance after a DUI in my state?
  • Does my policy cover me when driving someone else’s vehicle?
  • What is the minimum liability in my state?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Are my friends covered when driving my car?
  • Does insurance cover damages from a DUI accident?
  • When should I remove comp and collision on my 2002 Honda Civic?
  • What is roadside assistance coverage?
  • What can I do if my company denied a claim?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and can help protect your family.

Specifics of your insurance policy

Understanding the coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages found on most insurance policies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hail damage, hitting a bird, theft and fire damage. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for bills like pain medications, X-ray expenses, EMT expenses and hospital visits. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Auto liability

This coverage provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like medical services, repair bills for other people’s vehicles, court costs, loss of income and bail bonds. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Collision coverage protection

Collision coverage covers damage to your Civic from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sustaining damage from a pot hole, rolling your car, hitting a parking meter, colliding with another moving vehicle and driving through your garage door. 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 bump up the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Honda Civic.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Feed the piggy bank

Cheaper 2002 Honda Civic insurance can be sourced both online and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

We covered a lot of ways to lower your insurance rates. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even discover the best prices are with a small local company. These companies may often insure only within specific states and give getter rates than their larger competitors like State Farm or Progressive.

Much more information about insurance coverage can be read on the following sites: