2002 Honda Civic Insurance Rates – 6 Discounts for Best Quotes

Looking for better insurance coverage rates for your Honda Civic? Expensive insurance coverage can drain your savings account and force you to prioritize other expenses. Comparison shopping is a great way to make sure you’re not throwing money away.

Drivers have multiple insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, it can be more difficult to find the best rates.

You should make it a habit to get comparison quotes before your policy renews because rates are rarely the same from one policy term to another. Even if you think you had the lowest price for Civic insurance on your last policy there is a good chance you can find better rates now. Ignore everything you know about insurance coverage because you’re about to learn the fastest way to save money, get proper deductibles and limits, all at the lowest rate.

How to Buy Insurance Online

All the larger insurance companies provide price estimates online. Obtaining pricing doesn’t take much effort as you simply type in the coverage amounts you desire into a form. Once entered, the company’s rating system orders credit information and your driving record and provides a quote based on many factors. This streamlines rate comparisons, but having to visit different websites and complete many quote forms can be a bit tiresome and repetitive. Unfortunately, it is important to compare as many rates as possible in order to get the lowest insurance rates.

Quote rates the easy way

The quickest way to find better insurance pricing uses one form that gets price quotes from many companies. It’s a real time-saver, eliminates form submissions, and makes quoting online much more efficient. Immediately after you send the form, it is quoted and you can select your choice of the quotes returned.

If the quotes result in lower rates, you simply finish the application and buy the new coverage. This process takes just a few minutes to complete and you will find out if you’re overpaying now.

To quickly use this form to compare rates, click here to open in a new tab and enter your information. If you currently have coverage, we recommend you copy your coverages as shown on your current policy. Doing this guarantees you will get rate comparison quotes for exact coverage.

Save big with these six discounts

Properly insuring your vehicles can get expensive, but companies offer discounts that can drop the cost substantially. A few discounts will automatically apply at the time you complete a quote, but some may not be applied and must be asked about before you get the savings.

  • Good Students Pay Less – Performing well in school can save 20 to 25%. The good student discount can last up to age 25.
  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% for Civic insurance with a few car insurance companies.
  • Student in College – Kids in college who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Honda could qualify for better rates on cars that stay parked.
  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in school.

It’s important to note that most discounts do not apply the the whole policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, car insurance companies aren’t that generous. Any qualifying discounts will bring down your premiums.

Car insurance companies that possibly offer these benefits are:

Before buying, ask each insurance company how you can save money. Savings might not be offered everywhere.

But I don’t know anything about car insurance

When it comes to choosing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different and your policy should reflect that. For example, these questions may help you determine whether or not you may require specific advice.

  • Should I buy additional glass protection?
  • Does my car insurance cover rental cars?
  • Can I still get insurance after a DUI?
  • Are rental cars covered under my policy?
  • Do I have newly-aquired coverage?
  • How do I buy GAP insurance?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered when driving in Canada or Mexico?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to 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

Car insurance 101

Having a good grasp of your policy helps when choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types available from auto insurance companies.

Collision coverages – Collision coverage pays for damage to your Civic resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with a tree, damaging your car on a curb, hitting a parking meter, crashing into a ditch and rolling your car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from 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 coverage protects against claims like a broken windshield, damage from flooding and hitting a deer. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability insurance – Liability insurance provides protection from injuries or damage you cause to people or other property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as repair bills for other people’s vehicles, pain and suffering, legal defense fees and bail bonds. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Honda Civic.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for bills such as hospital visits, dental work and chiropractic care. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Pennies from heaven

While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where an insured dropped collision coverage and discovered at claim time they didn’t have enough coverage. Your focus should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

Cost effective 2002 Honda Civic insurance is attainable online as well as from independent agents, so you should compare both to have the best selection. There are still a few companies who don’t offer online quoting and these smaller companies work with independent agents.

For more information, take a look at the resources below: