View 1991 Honda Civic CRX Insurance Quotes

Searching for the cheapest insurance rates for your Honda Civic CRX? Are you sick and tired of scraping the payment together to pay your car insurance bill each month? Your situation is no different than the majority of other car owners. Big-name insurance companies like State Farm, Allstate, Geico and Progressive constantly bombard you with fancy advertisements and consumers find it hard to see past the geckos and flying pigs and find the best price available.

You should make it a habit to do rate comparisons occasionally due to the fact that insurance rates go up and down regularly. Just because you found the best deal on Civic CRX insurance a year ago you can probably find a better price now. There is a lot of bad advice regarding insurance on the internet, so I’m going to show you some great ideas on how to find cheap insurance.

If you have insurance now or need a new policy, you can use these tips to find better prices while maximizing coverage. Finding the best rates is not that difficult. Consumers only need to know the most efficient way to get comparison rates over the internet.

Honda Civic CRX insurance rates have many determining factors

It’s important that you understand some of the elements that come into play when calculating car insurance rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that may reward you with better car insurance rates.

  • Don’t let your coverage lapse – Driving without insurance is illegal and your next policy will cost more because you let your insurance lapse. And not only will insurance be more expensive, getting caught without coverage can result in a revoked license or a big fine.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Do you have a high stress job? – Occupations like doctors, executives and dentists have the highest average rates in part from job stress and lengthy work days. Other occupations like farmers, historians and retirees get better rates on Civic CRX insurance.
  • Pay less if you’re married – Getting married can actually save you money on your policy. Marriage usually means you are more mature than a single person and statistics show married drivers get in fewer accidents.
  • Are you male or female? – Statistics demonstrate that women are safer drivers than men. However, this does not mean men are worse drivers. Men and women have accidents at a similar rate, but the men have costlier accidents. Men also statistically get more serious tickets such as reckless driving. Young males are the most expensive to insure and thus pay the highest rates.
  • Clean credit earns discounts – Credit rating is a huge factor in your rate calculation. People with excellent credit tend to be more responsible as compared to drivers with lower ratings. So if your credit rating can use some improvement, you could potentially save money when insuring your 1991 Honda Civic CRX by improving your rating.
  • Safe vehicles cost less to insure – Cars with high safety ratings get lower rates. Safe vehicles have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims and thus lower rates. If your Honda Civic CRX earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Rate your vehicle for proper use – The more you drive in a year’s time the higher your rates will be. The majority of insurers rate vehicles based on how the vehicle is used. Cars and trucks left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Civic CRX may be costing you. Make sure your car insurance policy is showing the correct driver usage.
  • Tickets mean higher rates – Only having one moving violation can bump up the cost twenty percent or more. Drivers who don’t get tickets tend to pay less for car insurance compared to drivers with tickets. Drivers with flagrant tickets like DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.

Best discounts on Honda Civic CRX coverage

Companies don’t always advertise every discount in a way that’s easy to find, so we took the time to find both the well known and the more hidden ways to save on auto insurance. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Life Insurance – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Memberships – Being a member of a professional or civic organization may earn a discount on your policy on Civic CRX insurance.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same auto insurance policy could earn a price break for each car.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
  • Passive Restraint Discount – Cars that have air bags can qualify for discounts of more than 20%.
  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you may earn at least 10% off all policies.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching policies prior to your current policy expiring. The savings is around 10%.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though they make it sound like you could get a free auto insurance policy, companies don’t profit that way.

For a list of insurance companies offering auto insurance discounts, click this link.

Don’t believe everything you hear

Consumers can’t get away from ads for car insurance savings from companies such as Allstate, Geico and Progressive. They all have a common claim of big savings if you move your policy.

How do they all make almost identical claims?

All companies are able to cherry pick for the right customer that makes them money. For example, a preferred risk might be between 25 and 40, insures multiple vehicles, and drives newer vehicles. A driver who meets those qualifications will qualify for the lowest rates and most likely will cut their rates substantially.

Drivers who are not a match for this ideal profile will have to pay more money which usually ends up with business not being written. The ad wording is “customers that switch” not “people who quote” save that much money. That’s the way insurance companies can confidently claim big savings. Because of the profiling, it is so important to get quotes from several different companies. It’s impossible to know which insurance company will give you the biggest savings on Honda Civic CRX insurance.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there really is not a best way to insure your cars. Each situation is unique so your insurance should reflect that For instance, these questions could help you determine if you might need an agent’s assistance.

  • Are my tools covered if they get stolen from my vehicle?
  • Am I getting all the discounts available?
  • Is my dog or cat covered if injured in an accident?
  • Do I have any recourse if my insurance company denies a claim?
  • Does my personal policy cover me when driving out-of-state?
  • How high should my uninsured/underinsured coverage be in my state?
  • Does my policy pay for OEM or aftermarket parts?
  • What is no-fault insurance?

If you’re not sure about those questions 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 or click here for a list of insurance coverage companies in your area. It is quick, free and can help protect your family.

Information about specific coverages

Having a good grasp of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types offered by insurance companies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like nursing services, ambulance fees, X-ray expenses and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Liability insurance

Liability coverage provides protection from injuries or damage you cause to other’s property or people that is your fault. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy 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 a limit of $100,000 paid for damaged property.

Liability can pay for claims such as pain and suffering, repair costs for stationary objects, court costs and medical expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Auto collision coverage

This will pay to fix damage to your Civic CRX resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like sustaining damage from a pot hole, sideswiping another vehicle, hitting a parking meter, driving through your garage door and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Comprehensive auto coverage

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 can pay for claims such as a broken windshield, damage from flooding, damage from a tornado or hurricane, a tree branch falling on your vehicle and fire damage. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Have the Midas touch

As you go through the steps to switch your coverage, it’s a bad idea to reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. Your aim should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Cheaper 1991 Honda Civic CRX insurance is available on the web and also from your neighborhood agents, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who may not provide online quoting and most of the time these small, regional companies sell through independent agents.

More detailed insurance coverage information can be found in the articles below: