Cheap 1996 Honda Civic Insurance Cost

Searching for the cheapest car insurance rates for your Honda Civic? Saving money on car insurance is always difficult for consumers not familiar with buying insurance online. Consumers have so many choices that it can easily become more work than you anticipated to compare prices.

It’s a good idea to take a look at other company’s rates quite often because prices fluctuate regularly. Despite the fact that you may have had the lowest price for Civic coverage on your last policy you will most likely find a better rate today. There is a lot of bad advice regarding car insurance online but I’m going to show you a bunch of ideas how to quit paying high car insurance rates.

Shopping for affordable auto insurance is not that difficult. Just about every driver who carries auto insurance will most likely be able to find better rates. But vehicle owners can benefit by having an understanding of the methods companies use to sell insurance online and take advantage of how the system works.

How to Compare Auto Insurance Costs

Performing a rate comparison can be exhausting if you don’t utilize the best way to get rate quotes. You can waste hours driving to insurance companies in your area, or you can utilize the web to get rates in a matter of minutes.

Most major companies belong to a marketplace where insurance shoppers send in one quote, and each participating company then returns a price quote determined by their information. This system prevents you from having to do quote forms for every auto insurance company.

To find out how much you can save on auto insurance click here to start a free quote.

The one downside to using this type of form is you are unable to specify which carriers you want pricing from. So if you want to select from a list of companies to request quotes from, we have a page of low cost auto insurance companies in your area. Click here to view list.

Whichever way you use, ensure you’re using apples-to-apples deductibles and coverage limits for every quote you compare. If you enter mixed coverages you can’t possibly decipher which rate is best. Slightly different insurance coverages may result in large price differences. And when comparing auto insurance rates, know that comparing more company’s prices will improve the odds of getting lower pricing.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions can aid in determining whether or not you would benefit from professional advice.

When can I cancel my policy?
What is the rate difference between pleasure use and commuting?
What if I don’t agree with a claim settlement offer?
Do I need added coverage for expensive stereo equipment?
Am I covered when pulling a rental trailer?
What is the difference between comprehensive and collision coverage?
Should I waive the damage coverage when renting a car?
Is my business laptop covered if it gets stolen from my vehicle?
Do I need rental car coverage?
If my 1996 Honda Civic is totaled, can I afford another vehicle?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverages

Having a good grasp of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Coverage for liability

Liability insurance protects you from injuries or damage you cause to other people or property that is your fault. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as pain and suffering, funeral expenses, attorney fees and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Uninsured or underinsured coverage

This provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Honda Civic.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are similar to your liability insurance amounts.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like prosthetic devices, hospital visits and X-ray expenses. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a building, colliding with a tree, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive protection

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like fire damage, theft, vandalism 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’s value is low it’s not worth carrying full coverage.