Lower Your 1991 Honda Civic Car Insurance Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Are you a victim of an overpriced insurance policy? Believe me when I say you are not the only one feeling buyer’s remorse.

Many car insurance companies vie to insure your vehicles, and it can be difficult to compare rates to discover the definitive lowest cost out there.

Smart consumers take time to do rate comparisons yearly because insurance rates go up and down regularly. Even if you got the lowest price on Civic insurance a year ago a different company probably has better rates today. So forget anything you know (or think you know) about insurance because you’re going to get a crash course in the things you must know in order to lower your annual insurance bill.

If you currently have car insurance, you will be able to reduce your rates substantially using this information. Finding the best rates is quite easy. Nevertheless, car owners benefit from understanding how the larger insurance companies market on the web because it can help you find the best coverage.

You probably qualify for some discounts

Car insurance is not cheap, but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be applied at the time of quoting, but a few must be inquired about before being credited.

  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Organization Discounts – Participating in a qualifying organization may earn a discount on auto insurance on Civic insurance.
  • New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Paperless Signup – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
  • No Charge for an Accident – Certain companies will forgive one accident before your rates go up if your claims history is clear for a set time period.
  • Drive Less and Save – Keeping the miles down on your Honda can qualify you for lower rates on the low mileage vehicles.

Drivers should understand that some credits don’t apply to your bottom line cost. Some only reduce individual premiums such as liability, collision or medical payments. So when it seems like you can get free auto insurance, companies wouldn’t make money that way. But all discounts will help reduce your premiums.

Car insurance companies who might offer some of the above discounts are:

Before buying, ask every prospective company how you can save money. All car insurance discounts may not apply everywhere.

There’s no such thing as the perfect policy

When it comes to buying adequate coverage, there is no perfect coverage plan. Each situation is unique so your insurance should reflect that For instance, these questions may help you determine if your situation might need professional guidance.

  • Are my tools covered if they get stolen from my vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I buy additional glass protection?
  • What exactly is covered by my policy?
  • I have a DUI can I still get coverage?
  • Is my Honda Civic covered if I use it for business?
  • Are my friends covered when driving my car?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Auto insurance coverage information

Learning about specific coverages of auto insurance aids in choosing appropriate coverage for your vehicles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on most auto insurance policies.

Coverage for collisions

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

Collision insurance covers things like colliding with a tree, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, damage from a tornado or hurricane and falling objects. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverages

This coverage will cover injuries or damage you cause to other’s property or people. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as funeral expenses, pain and suffering and emergency aid. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Medical expense insurance

Med pay and PIP coverage pay for short-term medical expenses for surgery, chiropractic care, X-ray expenses, prosthetic devices and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

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

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits are set the same as your liablity limits.

A little work can save a LOT of money

As you restructure your insurance plan, it’s not a good idea to reduce needed coverages to save money. In too many instances, an insured dropped liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at a price you can afford.

You just learned quite a bit of information on how to reduce 1991 Honda Civic insurance prices online. It’s most important to understand that the more price quotes you have, the better your comparison will be. Drivers may discover the best price on insurance is with a company that doesn’t do a lot of advertising. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as Progressive and GEICO.

The cheapest insurance can be sourced both online and with local insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies do not offer the ability to get a quote online and these smaller companies work with independent agents.

Additional information is available at the links below

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