Save on 1995 Honda Civic del Sol Car Insurance Quotes

Trying to find lower insurance rates for your Honda Civic del Sol? Did you fall for a flashy sales pitch and buy overpriced insurance? Trust us when we tell you you are not the only one feeling buyer’s remorse. Insurance companies such as Progressive, State Farm and Geico constantly bombard you with catchy ads and it can be hard to sift through the bull and take the time to shop coverage around.

It’s a great practice to check insurance prices at least once a year since insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the lowest rates for Civic del Sol coverage a couple years back other companies may now be cheaper. There is too much inaccurate information about insurance on the internet, so we’re going to give you the easiest ways to slash your insurance rates.

If you have insurance now or are just looking to switch companies, you can use this information to cut your premiums and possibly find even better coverage. Choosing the best insurance company for you is quite easy. Vehicle owners just need to know how to buy auto insurance over the internet.

Take discounts and save

Insuring your vehicles can cost a lot, but there are discounts available to reduce the price significantly. Most are applied when you quote, but less common discounts must be asked about before you will receive the discount. If you aren’t receiving every discount available, you are paying more than you should be.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Accident Forgiveness – A few companies permit an accident without raising rates so long as you haven’t had any claims for a set time period.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
  • College Student – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can get savings of 20% or more.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off for Civic del Sol coverage depending on your company.
  • Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current expiration date. The savings is around 10%.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less for Civic del Sol coverage than drivers with accidents.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.

Keep in mind that most discount credits are not given to the entire cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky. Any qualifying discounts will reduce your premiums.

Companies that may have these money-saving discounts include:

Check with all companies you are considering which discounts you may be entitled to. Some discounts might not apply in your area.

Which policy gives me the best coverage?

When choosing the best car insurance coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions may help you determine if your situation could use an agent’s help.

  • Are split liability limits better than a combined single limit?
  • Is my babysitter covered when using my vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does my liability insurance cover pulling a trailer or camper?
  • I have a DUI can I still get coverage?
  • Are rock chip repairs covered?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It’s fast, free and can help protect your family.

Don’t listen to company ads

Consumers can’t ignore all the ads for car insurance savings by companies like Progressive, Allstate and Geico. All the ads make an identical promise of big savings after switching to them.

How can each company claim to save you money?

All companies have a certain “appetite” for the right customer that earns them a profit. For instance, a driver they prefer might be a mature driver, has no prior claims, and has excellent credit. Any driver that hits that “sweet spot” receives the best rates and as a result will probably cut their rates substantially.

Consumers who don’t meet these standards will have to pay higher rates which usually ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” not “people who quote” save that much money. That is how companies can make those claims.

Because of the profiling, you absolutely need to compare many company’s rates. Because you never know which car insurance company will provide you with the cheapest Honda Civic del Sol insurance rates.

Insurance coverage breakdown

Understanding the coverages of your insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most insurance policies.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for expenses like X-ray expenses, nursing services, prosthetic devices and EMT expenses. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverages – This will cover injuries or damage you cause to a person or their property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as loss of income, repair bills for other people’s vehicles, medical services, attorney fees and bail bonds. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Civic del Sol.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive insurance – Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a broken windshield, vandalism, hitting a bird, damage from a tornado or hurricane and rock chips in glass. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a parking meter, rolling your car, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Make an honest buck

Budget-conscious 1995 Honda Civic del Sol insurance can be purchased online as well as from independent agents, so you should compare both to have the best chance of lowering rates. Some insurance coverage companies don’t offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

While you’re price shopping online, it’s not a good idea to skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

Throughout this article, we presented quite a bit of information on how to shop for insurance online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest rates come from some of the lesser-known companies. Some small companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm or Progressive.

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