1992 Honda Civic Car Insurance Cost – 6 Savings Tips

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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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Looking for better car insurance rates for your Honda Civic? Scraping up a payment for overpriced Honda Civic insurance can empty your bank account and put a big crunch on your finances. Shopping your coverage around is a great way to lower your monthly bill.

Because you have many companies and agents to choose from, it can be hard to find the lowest price insurance company.

It’s a good habit to compare prices before your policy renews due to the fact that insurance rates change quite often. Just because you had the best rates for Civic insurance on your last policy other companies may now be cheaper. You’ll find quite a bit of inaccurate information about car insurance on the internet, so with this article, you’re going to get some of the best ways to find cheap car insurance.

Finding affordable coverage is not that difficult. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this strategy. Although consumers must know how the larger insurance companies market on the web and take advantage of how the system works.

Save with discounts on 1992 Honda Civic insurance

Companies do not list all their discounts in an easy-to-find place, so we break down some of the more common and the more hidden discounts you could be receiving.

  • Homeowners Savings – Owning a home may earn you a small savings because owning a home shows financial diligence.
  • Paperwork-free – A few companies give back up to $50 for buying your policy on their website.
  • Defensive Driver – Completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Early Switch Discount – Select companies give a discount for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Low Mileage Discounts – Fewer annual miles on your Honda could be rewarded with a substantially lower rate.

Drivers should understand that most of the big mark downs will not be given the whole policy. A few only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, you’re out of luck.

Car insurance companies who might offer these discounts include:

Before buying, ask each company which discounts you may be entitled to. Savings may not apply in every state.

Tailor your coverage to you

When buying adequate coverage, there really is no best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that can help discover whether you might need professional guidance.

  • What is the difference between comprehensive and collision coverage?
  • If my 1992 Honda Civic is totaled, can I afford another vehicle?
  • Am I missing any policy discounts?
  • What is no-fault insurance?
  • Is my camper covered by my car insurance policy?
  • Should I buy full coverage?
  • What is covered by UM/UIM coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I covered if I break a side mirror?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Save $385 a year. For real?

Companies like Allstate and Progressive regularly use television and radio advertisements. All the ads make the same claim that you can save if you move your policy. How can each company claim to save you money?

Insurance companies are able to cherry pick for the type of driver they prefer to insure. An example of a desirable insured could possibly be between the ages of 40 and 55, is a homeowner, and chooses high deductibles. Any new insured who fits that profile will qualify for the lowest rates and most likely will save quite a bit of money when switching.

Potential insureds who don’t qualify for these standards must pay higher prices and this can result in business going elsewhere. The ad wording is “drivers who switch” but not “drivers who get quotes” save money. That’s why companies can make the claims of big savings. This illustrates why it’s extremely important to get as many quotes as possible. Because you never know which company will provide you with the cheapest Honda Civic insurance rates.

Specific coverages for a Honda Civic

Knowing the specifics of your car insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverages available from car insurance companies.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision protection

This covers damage to your Civic resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like scraping a guard rail, colliding with another moving vehicle, damaging your car on a curb, rolling your car and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Liability coverages

Liability coverage protects you from damage or injury you incur to people or other property in an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three 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 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like repair bills for other people’s vehicles, repair costs for stationary objects and structural damage. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical expense coverage

Med pay and PIP coverage provide coverage for immediate expenses for surgery, doctor visits, prosthetic devices, pain medications and dental work. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Comprehensive protection

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, a tree branch falling on your vehicle, hitting a bird and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Make a quick buck

We just showed you a lot of information how to shop for 1992 Honda Civic insurance online. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding lower rates. You may be surprised to find that the most savings is with a smaller regional carrier. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like State Farm, GEICO and Nationwide.

Cheaper insurance can be found online in addition to many insurance agents, and you should be comparing both to have the best rate selection. Some car insurance companies do not provide you the ability to get quotes online and these small, regional companies work with independent agents.

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