Cheaper 1991 Honda Civic Insurance Rates

Purchasing cheap insurance coverage on the internet is challenging for consumers not familiar with buying insurance online. With dozens of companies competing online, how can you effectively compare the different rates to find the lowest rates?

It’s a good idea to compare prices on a regular basis because prices are rarely the same from one policy term to another. Just because you found the best rates for Civic insurance on your last policy you can probably find a better price now. Starting now, ignore everything you know about insurance coverage because you’re going to get a crash course in the only way to reduce your cost while increasing coverage.

Factors influencing Honda Civic insurance rates

It’s important that you understand the rating factors that play a part in calculating insurance rates. Knowing what determines base rates empowers consumers to make smart changes that may reward you with big savings.

  • Being married is a good thing – Being married actually saves money on insurance. Having a spouse is viewed as being more mature than a single person and statistics show married drivers get in fewer accidents.
  • Males pay more for insurance – Statistics demonstrate women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Men and women tend to get into accidents at a similar rate, but the males tend to have more serious accidents. They also get cited for more serious violations such as reckless driving.
  • Safer occupants lowers premiums – Vehicles with good safety scores can get you lower premiums. Safer cars reduce injuries and fewer injuries means lower claim amounts and lower rates for you. If your Honda Civic scored better than four stars on Safercar.gov it may be receiving lower rates.
  • Allowing your policy to lapse raises rates – Driving your car without having proper coverage is illegal and your next policy will cost more because you let your insurance lapse. And not only will your rates increase, but being ticketed for driving with no insurance may earn you a license revocation or jail time.
  • Younger drivers pay higher rates – Teenage drivers are known to be more careless when driving so they pay higher insurance rates. Having to add a teen driver to your policy can be quite pricey. More mature drivers are viewed as being more responsible, file fewer claims and are safer drivers.
  • Don’t get talked into coverage you don’t need – There are a lot of additional coverages that you can get tricked into buying on your Civic policy. Coverages for rental car reimbursement, accidental death and membership fees may be costing you every month. These coverages may sound good initially, but your needs may have changed so eliminate them to save money.

Cut your premium with discounts

Car insurance companies don’t list every discount in an easy-to-find place, so we researched both well-publicized as well as the least known savings tricks you should be using.

  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you will save up to 20% off your total premium.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Student in College – Youth drivers who are attending college and don’t have a car can receive lower rates.
  • 55 and Retired – Mature drivers may be able to get a small decrease in premiums for Civic insurance.
  • Multiple Cars – Buying insurance for all your vehicles on one policy qualifies for this discount.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Honda can qualify you for lower rates on the low mileage vehicles.

Consumers should know that most discounts do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, it just doesn’t work that way.

For a list of providers with the best car insurance discounts, click here to view.

What is the best insurance coverage?

When buying proper insurance coverage, there isn’t really a best way to insure your cars. Each situation is unique.

For instance, these questions can aid in determining if your insurance needs could use an agent’s help.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • When should I buy a commercial auto policy?
  • Am I insured when driving a different vehicle?
  • Why do I need rental car insurance?
  • When do I need to add a new car to my policy?
  • What is high-risk coverage and where do I buy it?
  • Do I need replacement cost coverage on my 1991 Honda Civic?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverages

Knowing the specifics of insurance aids in choosing the right coverages for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Auto liability insurance

This coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as pain and suffering, medical services, attorney fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like funeral costs, hospital visits, rehabilitation expenses, doctor visits and nursing services. They are often utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

UM/UIM Coverage

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a deer, vandalism and hail damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like hitting a mailbox, colliding with a tree, rolling your car, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Take this to the bank

In this article, we covered a lot of tips how to get a better price on 1991 Honda Civic insurance. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers may even find the best prices are with the least-expected company.

Drivers change insurance companies for a number of reasons such as poor customer service, policy cancellation, policy non-renewal or questionable increases in premium. Regardless of your reason for switching companies, choosing a new company is actually quite simple.

As you shop your coverage around, it’s very important that you do not skimp on coverage in order to save money. There have been many situations where drivers have reduced liability limits or collision coverage only to regret at claim time that the savings was not a smart move. Your focus should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

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