2000 Honda Civic Insurance Cost – 8 Tips to Save

Having to pay for overpriced Honda Civic insurance can empty your savings account and put a big crunch on your finances. Comparing price quotes is free, only takes a few minutes, and is a good way to lower your monthly bill.

Consumers have many auto insurance companies to purchase coverage from, and although it’s nice to be able to choose, it can be more difficult to compare rates.

This information will familiarize you with how to effectively get price quotes and some tips to save money. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these tips. But car owners need to learn how the larger insurance companies sell online.

The best way to get policy rate comparisons is to take advantage of the fact most of the bigger providers will pay a fee to provide you with free rate quotes. To start a quote, the only thing you need to do is give them some information such as how you use your vehicles, the type of vehicles you drive, if you have a valid license, and whether you have decent credit. Your rating data is automatically sent to multiple auto insurance providers and you get price estimates within a short period of time.

Take these eight discounts and save

The cost of insuring your cars can be expensive, but you may find discounts to help offset the cost. Most are applied when you quote, but lesser-known reductions have to be inquired about before you will receive the discount.

  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you will save approximately 10% to 15%.
  • Good Student – Performing well in school can save 20 to 25%. The discount lasts well after school through age 25.
  • One Accident Forgiven – Certain companies will allow you to have one accident before your rates go up if your claims history is clear for a certain period of time.
  • Club Memberships – Being a member of a professional or civic organization could qualify you for a break on insurance on Civic coverage.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can get savings of up to 25% or more.
  • Defensive Driver – Taking part in a defensive driving course can save you 5% or more if you qualify.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.

Drivers should understand that most credits do not apply to your bottom line cost. Some only reduce specific coverage prices like comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, companies wouldn’t make money that way. Any qualifying discounts will cut your overall premium however.

For a list of insurers with discount insurance rates, click this link.

Which policy gives me the best coverage?

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions can help discover if your situation could use an agent’s help.

  • What can I do if my company won’t pay a claim?
  • Am I covered if I break a side mirror?
  • Am I covered if I crash into my own garage door?
  • Is my ex-spouse still covered by my policy?
  • Should I waive the damage coverage when renting a car?
  • Does my 2000 Honda Civic need full coverage?
  • Am I covered when driving on a suspended license?
  • Is my teen driver covered when they drive my company car?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Specific coverages for a 2000 Honda Civic

Understanding the coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages available from auto insurance companies.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with another moving vehicle, rolling your car and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2000 Honda Civic.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Auto liability

Liability coverage provides protection from damages or injuries you inflict on other people or property. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as attorney fees, medical expenses, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive protection

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, a broken windshield, vandalism, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense coverage

Med pay and PIP coverage reimburse you for bills like prosthetic devices, surgery, funeral costs and ambulance fees. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Quote more. Save more.

Budget-conscious 2000 Honda Civic insurance is possible online as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who don’t offer online quoting and many times these small insurance companies only sell through independent insurance agents.

When shopping online for insurance coverage, do not reduce needed coverages to save money. There have been many cases where an insured cut uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible at an affordable rate while still protecting your assets.

To learn more, take a look at the resources below: