Save on 1999 Honda Civic Insurance Rates

Trying to find better auto insurance rates for your Honda Civic? Overpriced Honda Civic insurance can dwindle your bank account and make it impossible to make ends meet. Comparison shopping is a smart way to make sure you’re not throwing money away.

With so many companies and agents to choose from, it’s nearly impossible to locate the lowest price company.

It’s a good habit to compare rates on a regular basis since insurance rates change frequently. If you had the best rates for Civic insurance last year you can probably find a better price now. Starting now, ignore everything you know about auto insurance because I’m going to teach you the only way to save money, get proper coverage and the best rates.

Finding affordable coverage is quite easy. In a nutshell, every vehicle owner who is required by state law to have insurance stands a good chance to be able to save money. But consumers can benefit from knowing the way companies price insurance differently because it can help you find the best coverage.

Honda Civic insurance rates are influenced by…

An important part of buying insurance is that you know the factors that help determine the rates you pay for car insurance. Understanding what influences your rates helps enable you to make changes that can help you get big savings.

  • Do you work long hours in a high stress job? – Did you know your car insurance rates can be affected by your occupation? Jobs such as doctors, social workers and financial analysts have higher average rates because of high stress and long work hours. Conversely, occupations such as actors, engineers and homemakers get better rates for Civic insurance.
  • Clean credit earns discounts – Credit score is a huge factor in determining your rates. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower credit scores. Therefore, if your credit history is low, you could be paying less to insure your 1999 Honda Civic by improving your credit score.
  • Discounts for multiple policies – Some insurance companies will give a discount to people who carry more than one policy such as combining an auto and homeowners policy. Discounts can be 10 percent or more. If you currently are using one company, it’s in your best interest to compare rates to make sure you are getting the best deal.
  • Careful drivers pay lower rates – Your driving citation history impacts your car insurance rates tremendously. Drivers who don’t get tickets tend to pay less for car insurance than their less careful counterparts. Just one speeding ticket can bump up the cost by twenty percent. Drivers who have dangerous citations like DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent a license revocation.

Policy discounts you shouldn’t miss

The cost of insuring your cars can be expensive, but you may find discounts to help bring down the price. Larger premium reductions will be automatically applied at quote time, but a few must be inquired about prior to receiving the credit.

  • Anti-theft System – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy qualifies for this discount.
  • Multi-policy Discount – If you have multiple policies with one insurance company you may save at least 10% off all policies.
  • College Student – Youth drivers who attend school more than 100 miles from home and don’t have a car can receive lower rates.
  • Student Driver Training – Require your teen driver to enroll in driver’s education if it’s offered in school.

It’s important to note that some of the credits will not apply to the overall cost of the policy. Most cut individual premiums such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will help reduce the amount you have to pay.

To see a list of insurers offering auto insurance discounts, follow this link.

Misconceptions in insurance coverage advertisements

Insurance coverage providers like Progressive, Geico, Allstate and State Farm regularly use ads on TV and radio. They all say the same thing that you can save if you move your coverage to them. How can each company say the same thing? It’s all in the numbers.

All the different companies have a certain “appetite” for the driver that earns them a profit. An example of a profitable customer might be profiled as a mature driver, has no prior claims, and has a short commute. A customer that hits that “sweet spot” will get very good rates and as a result will probably save when they switch companies.

Potential customers who don’t qualify for the “perfect” profile will be charged higher premiums and this can result in the customer not buying. Company advertisements say “people who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can make the claims of big savings.

That is why you absolutely need to compare as many rates as you can. It’s just too difficult to predict the company that will fit your personal profile best.

Insurance agents can help

When choosing proper insurance coverage, there is no best way to insure your cars. Every insured’s situation is different and your policy should reflect that. For instance, these questions can help discover whether you could use an agent’s help.

  • Do I need rental car coverage?
  • Does coverage extend to Mexico or Canada?
  • Why do I only qualify for high-risk insurance?
  • I have health insurance so do I need medical payments coverage?
  • Am I covered if I crash into my own garage door?
  • Do I pay less if my vehicle is kept in my garage?
  • Can I rent a car in Mexico?
  • Am I covered when using my vehicle for business?
  • Are my friends covered when driving my car?
  • How do I buy GAP insurance?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Educate yourself about car insurance coverages

Having a good grasp of your car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average car insurance policy.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Honda Civic.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, damage from getting keyed and theft. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses like X-ray expenses, pain medications, EMT expenses, nursing services and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

Collision insurance will pay to fix damage to your Civic caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with another moving vehicle, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Coverage for liability

This can cover damage that occurs to a person or their property that is your fault. This coverage protects you against claims from other people. It does not cover 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. You might see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like loss of income, medical services and legal defense fees. How much liability should you purchase? That is up to you, but buy as much as you can afford.

In conclusion

Cost effective 1999 Honda Civic insurance can be bought both online as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers don’t offer online quoting and usually these smaller companies provide coverage only through local independent agents.

As you restructure your insurance plan, don’t be tempted to buy poor coverage just to save money. There are too many instances where someone dropped comprehensive coverage or liability limits and found out when filing a claim they didn’t have enough coverage. The aim is to find the BEST coverage for the lowest price while still protecting your assets.

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