Lower Your 1992 Honda Civic Insurance Rates

Looking for cheaper car insurance rates for your Honda Civic? Consumers who are new to the process of comparing rates online could find buying the cheapest car insurance quite challenging.

Smart consumers take time to take a look at other company’s rates once or twice a year because rates are rarely the same from one policy term to another. Despite the fact that you may have had the best rates for Civic insurance six months ago you will most likely find a better rate today. Starting right now, forget all the misinformation about car insurance because you’re about to learn the proper way to find better rates and still maintain coverage.

Compare the Market for Car Insurance

The are a couple different ways to compare rate quotes from car insurance companies in your area. The simplest method to find competitive 1992 Honda Civic insurance rates involves getting comparison quotes online. This can be done in just a few minutes using one of these methods.

The most efficient way to get quotes is a comparison rater form click to view form in new window. This method saves time by eliminating repetitive form entry to each individual car insurance company. A single form gets you price quotes instantly. It’s definitely the quickest method.
A different way to obtain and compare quotes online is to manually visit the website of each company to complete a price quote. For instance, we’ll pretend you want to compare rates from Farmers, Geico and State Farm. To get each rate you have to go to every website and enter your information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
The least recommended way of comparing rate quotes is to drive around to and from local insurance agencies. The internet makes this process obsolete unless you prefer the trained guidance only provided by licensed agents. However, consumers can get prices online but still have the advice of a local agent.

Whichever method you choose, be sure to compare exactly the same information for every company. If you are comparing different liability limits then you won’t be able to determine the best price for your Honda Civic. Quoting even small variations in insurance coverages could mean much higher rates. It’s important to know that obtaining a wide range of quotes will enable you to find lower pricing.

Discounts are basically free money

The price of auto insurance can be rather high, buy you may qualify for discounts that you may not know about. Some discounts apply automatically at the time of quoting, but less common discounts must be specially asked for before you will receive the discount.

Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
Low Mileage – Driving fewer miles could be rewarded with better rates on cars that stay parked.
Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of up to 25% or more.
Auto/Home Discount – When you combine your home and auto insurance with one company you will save at least 10% off all policies.
Military Rewards – Being deployed with a military unit may qualify for rate reductions.
Good Student Discount – Performing well in school can get you a discount of up to 25%. The discount lasts up until you turn 25.

Drivers should understand that most credits do not apply the the whole policy. Most cut individual premiums such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way. Any qualifying discounts will cut your overall premium however.

A partial list of companies that possibly offer these benefits may include but are not limited to:

Double check with each insurance company what discounts are available to you. Some discounts may not apply in your state.

Which insurance is the “right” coverage?

When choosing adequate coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

For example, these questions may help highlight whether your personal situation would benefit from professional advice.

Are there companies who specialize in insuring high-risk drivers?
Am I covered when pulling a rental trailer?
Is my cargo covered for damage or theft?
Should I buy additional glass protection?
Is borrowed equipment or tools covered if stolen or damaged?
What is the ISO rating for a 1992 Honda Civic?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, complete this form.

Car insurance 101

Understanding the coverages of your policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Auto collision coverage

This coverage covers damage to your Civic from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like colliding with another moving vehicle, sideswiping another vehicle, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Uninsured and underinsured coverage

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Comprehensive coverages

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a bird, damage from getting keyed, a tree branch falling on your vehicle and a broken windshield. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance

Liability insurance will cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for 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 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as legal defense fees, loss of income, medical expenses, medical services and court costs. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Coverage for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses for dental work, rehabilitation expenses, X-ray expenses, pain medications and nursing services. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage