Cheaper 1997 Honda Civic Car Insurance Rates

Want cheaper insurance coverage rates for your Honda Civic? Nobody I know enjoys paying for insurance coverage, particularly when they are paying too much. Since consumers have many choices of insurance companies, it’s nearly impossible to find the most cost effective insurance company.

It’s important to compare prices at least once a year because rates are constantly changing. Even if you got the best price on Civic coverage six months ago the chances are good that you can find a lower rate today. Block out anything you think you know about insurance coverage because you’re about to find out the best way to get good coverage at a lower rate.

Choosing the best insurance company for you is not rocket science. If you are insured now or need a new policy, you can follow these tips to cut your premiums and possibly find even better coverage. Drivers only need an understanding of the most efficient way to buy insurance on the web.

Best discounts on 1997 Honda Civic coverage

Auto insurance companies don’t list all their discounts in a way that’s easy to find, so we break down some of the more common and the harder-to-find insurance coverage savings. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Payment Method – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less on Civic coverage than drivers with accidents.
  • Drivers Ed for Students – Have your child complete a driver education course in high school.
  • Homeowners Pay Less – Being a homeowner can help you save on insurance coverage because owning a home shows financial diligence.
  • Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Most only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

To see a list of providers with discount insurance coverage rates, click this link.

The easiest way to get policy rate comparisons is to know auto insurance companies participate in a system to give rate comparisons. All you need to do is provide details like an estimate of your credit level, if the car is leased, if a SR-22 is needed, and level of coverage desired. Your rating data is instantly provided to all major companies and they provide comparison quotes very quickly.

Tailor your coverage to you

When it comes to buying adequate coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions might point out if your situation might need an agent’s assistance.

  • Are all vehicle passengers covered by medical payments coverage?
  • What happens if I owe more than my 1997 Honda Civic is worth?
  • Is my teenager covered with friends in the car?
  • Why do I need rental car insurance?
  • Are rock chip repairs covered?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What is the difference between comprehensive and collision coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I missing any policy discounts?
  • When can my company non-renew my policy?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

The coverage is in the details

Learning about specific coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average car insurance policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like dental work, surgery, ambulance fees, chiropractic care and funeral costs. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverages

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as vandalism, falling objects, theft and a broken windshield. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability

Liability insurance protects you from damage or injury you incur to other people or property in an accident. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for claims like pain and suffering, attorney fees, structural damage and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Collision coverage

Collision insurance pays for damage to your Civic from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with another moving vehicle, crashing into a ditch, hitting a mailbox, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Honda Civic.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Saving money is sweet as honey

We just presented a lot of tips how to save on 1997 Honda Civic insurance. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the most savings is with the smaller companies. These companies may cover specific market segments cheaper compared to the large companies like State Farm, Geico and Nationwide.

When trying to cut insurance costs, never sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

More detailed insurance information is available at these sites: