View 2001 Honda Civic Insurance Rates

Trying to find cheaper auto insurance rates for your Honda Civic? I can’t think of a single person who likes having to buy auto insurance, especially knowing they are paying too much.

Companies like State Farm, Farmers Insurance, Geico and Allstate all claim big savings with fancy advertisements and it is difficult to see through the deception and do the work needed to find the best deal.

How to Get Insurance Coverage

The are a couple different ways to compare rate quotes from insurance coverage companies in your area. The simplest method to compare 2001 Honda Civic insurance prices involves getting comparison quotes online. This can be accomplished using a couple different methods.

  • The single most time-saving way consumers can analyze rates is to use a rate comparison form click to view form in new window. This form prevents you from having to do separate quotation requests for each company. In just a few minutes this one form compares rates from multiple low-cost companies.
  • A harder way to obtain and compare quotes online consists of going to the website of each company and fill out their own quote form. For instance, we’ll pretend you want to compare rates from Auto-Owners, Farmers and Progressive. To get each rate you have to visit each site to input your insurance information, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

It’s up to you how you get prices quotes, just ensure you are comparing exactly the same coverages for each comparison quote. If you are comparing differing limits it’s not possible to determine the best price for your Honda Civic. Just a small difference in coverages may cause a big price difference. And when comparing insurance coverage rates, know that quoting more provides better odds of finding the best rates.

Cut your premium with discounts

Auto insurance companies don’t list every discount very clearly, so we took the time to find some of the more common and the more hidden discounts you could be receiving.

  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you may save up to 20% off your total premium.
  • No Charge for an Accident – Certain companies allow you one accident before raising your premiums as long as you don’t have any claims for a set time period.
  • No Accidents – Claim-free drivers can earn big discounts when compared to accident-prone drivers.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Club Memberships – Affiliation with a professional or civic organization could trigger savings on your policy for Civic coverage.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Good Student – Performing well in school can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Early Signing – Some companies give discounts for switching policies prior to your current policy expiring. This can save 10% or more.

It’s important to note that some credits don’t apply to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, companies don’t profit that way.

For a list of providers with the best insurance coverage discounts, click here.

What is the best insurance coverage?

When it comes to choosing adequate coverage for your vehicles, there really is no perfect coverage plan. Every situation is different so this has to be addressed. These are some specific questions might help in determining whether or not you might need an agent’s assistance.

  • Is a blown tire covered by insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • What is high-risk coverage and where do I buy it?
  • Where can I get insurance after a DUI in my state?
  • Do I need replacement cost coverage?
  • Why is insurance for a teen driver so high?
  • When should my teen driver be added to my policy?
  • Am I getting all the discounts available?
  • Am I insured when driving a different vehicle?
  • What exactly is covered by my policy?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Coverages available on your policy

Learning about specific coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. These are the usual coverages found on most insurance policies.

UM/UIM Coverage

This coverage provides protection from other motorists 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 carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Auto liability

Liability coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as repair bills for other people’s vehicles, funeral expenses, pain and suffering and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

Collision insurance will pay to fix damage to your Civic from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as sustaining damage from a pot hole, sideswiping another vehicle, crashing into a building and colliding with a tree. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like theft, a broken windshield and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical costs insurance

Med pay and PIP coverage reimburse you for bills like nursing services, EMT expenses, funeral costs, X-ray expenses and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and 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 and gives slightly broader coverage than med pay

Have the Midas touch

Throughout this article, we presented many ideas to compare 2001 Honda Civic insurance prices online. The key thing to remember is the more quotes you get, the better chance you’ll have of finding lower rates. Consumers could even find that the biggest savings come from some of the smallest insurance companies. These smaller insurers may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm, Geico and Nationwide.

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where consumers will sacrifice collision coverage and found out when filing a claim that they should have had better coverage. Your strategy should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

More tips and info about insurance can be read by following these links: