Cheapest 1999 Honda Civic Insurance Rates in 2023
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UPDATED: Jun 2, 2023
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Looking for cheaper insurance rates for your Honda Civic? No one in their right mind cherishes buying insurance, especially knowing the cost is way too high.
Insurance companies such as Progressive, GEICO and Farmers Insurance increase brand awareness with TV and radio ads and it is difficult to see through the cute green geckos and mayhem and take the time to shop coverage around.
It’s important to compare rates quite often because insurance rates change regularly. Despite the fact that you may have had the lowest price on Civic coverage on your last policy you can probably find a lower rate today. So forget anything you know (or think you know) about insurance because you’re about to learn the things you must know in order to save money, get proper coverage and the best rates.
If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these tips. Buying car insurance is not rocket science. Although car owners must learn the methods companies use to market insurance on the web and take advantage of how the system works.
Free Auto Insurance Quotes
There are a lot of ways to shop for auto insurance, and some are more efficient than others. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you can utilize the web to get rate comparisons in just a few minutes.
Most major companies take part in a program where insurance shoppers enter their policy data once, and every company provides a quote based on that information. This system prevents you from having to do quote forms for each company you want a rate for.
To access this free quoting program, click here to start a free quote.
The single downside to doing it this way is you don’t know exactly which providers you want to price. If you would rather choose specific providers to compare rates, we have assembled a list of auto insurance companies in your area. View list of insurance companies.
It’s up to you how you get prices quotes, just ensure you’re using the exact same coverage information for each price quote. If you have different limits and deductibles on each one it will be next to impossible to truly determine the lowest rate. Slightly different limits could mean much higher rates. And when comparing auto insurance rates, know that having more price comparisons will improve the odds of getting the best price.
These discounts can lower your rates
Insuring your fleet can be pricey, but companies offer discounts to cut the cost considerably. Most are applied when you purchase, but less common discounts must be manually applied before being credited.
- Resident Student – Children who are attending college without a vehicle on campus can receive lower rates.
- Air Bag Discount – Vehicles with factory air bags or automatic seat belts can receive discounts up to 30%.
- Own a Home – Being a homeowner may trigger a insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
- Accident Forgiveness – A few companies permit an accident before raising your premiums if you are claim-free for a set time period.
- Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
- Good Student Discount – Performing well in school can get you a discount of up to 25%. The discount lasts until age 25.
- Multi-car Discount – Buying coverage for more than one vehicle on one policy qualifies for this discount.
- Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Civic coverage than drivers with accident claims.
- Early Signing – Some insurance companies reward drivers for switching to them prior to your current policy expiring. This can save 10% or more.
- Claim Free – Claim-free drivers can save substantially as compared to accident-prone drivers.
It’s important to note that most discounts do not apply to your bottom line cost. Most only reduce individual premiums such as comp or med pay. Even though it may seem like all those discounts means the company will pay you, you’re out of luck. But all discounts will cut your premiums.
Car insurance companies that may have these discounts include:
It’s a good idea to ask each insurance company how you can save money. All car insurance discounts might not apply everywhere.
Different people need different coverages
When it comes to choosing coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that These are some specific questions may help you determine if your insurance needs will benefit from professional help.
- Do I really need UM/UIM coverage?
- Will I lose any money if I cancel my policy before it expires?
- Do I have coverage when pulling a U-Haul trailer?
- Can I afford to buy a different vehicle if my 1999 Honda Civic is totaled?
- What is roadside assistance coverage?
- Can I still get insurance after a DUI?
- Do I need added coverage for expensive stereo equipment?
- What if I owe more than I can insure my car for?
If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier
Lesser-known factors impacting Honda Civic insurance rates
It’s important that you understand the factors that go into determining auto insurance rates. Understanding what controls the rates you pay empowers consumers to make smart changes that could result in lower auto insurance prices.
Listed below are some of the factors used by your company to calculate premiums.
- Where you reside plays a part – Being located in small towns and rural areas is a positive aspect when talking about auto insurance. City drivers regularly have more traffic problems and a longer drive to work. Lower population means reduced accidents.
- Clean credit earns discounts – A driver’s credit score is a large factor in determining your rates. Drivers who have good credit tend to be better drivers and file fewer claims than drivers who have poor credit. Therefore, if your credit rating is low, you could be paying less to insure your 1999 Honda Civic by repairing your credit.
- Men are more aggressive – Statistics show that women are safer drivers than men. However, this does not mean men are worse drivers. They both are in accidents at about the same rate, but men have costlier accidents. Men also get more serious tickets such as reckless driving. Teenage male drivers are the most expensive to insure and therefore have the most expensive auto insurance rates.
- Do you need those extra coverages? – There are a lot of additional coverages that you can get tricked into buying when buying auto insurance. Coverages for vanishing deductibles, accidental death and motor club memberships are some examples. They may seem like a good idea when talking to your agent, but if you don’t need them eliminate them to save money.
Misconceptions in auto insurance advertisements
Companies like State Farm and Allstate constantly bombard you with television and radio advertisements. All the ads have a common claim that you can save if you switch to them. But how can every company make the same claim?
Insurance companies have a preferred profile for the type of customer that is profitable for them. A good example of a desirable insured could possibly be between the ages of 30 and 50, is a homeowner, and drives newer vehicles. A customer who matches those parameters gets the lowest rates and as a result will probably save when switching.
Consumers who do not match the “perfect” profile must pay more money and this can result in business not being written. The ads say “customers who switch” not “people who quote” save that much money. That is how companies can make the claims of big savings.
This illustrates why it’s extremely important to get as many comparisons as possible. You cannot predict which auto insurance company will have the lowest Honda Civic insurance rates.
Insurance coverage considerations
Knowing the specifics of insurance aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. These are typical coverages found on most insurance policies.
Collision – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers claims such as damaging your car on a curb, sustaining damage from a pot hole, backing into a parked car, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.
Comprehensive auto coverage – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like hail damage, damage from getting keyed and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Auto liability insurance – Liability coverage will cover damage that occurs to a person or their property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.
Liability can pay for things like medical expenses, loss of income, emergency aid and structural damage. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Civic.
Because many people only carry the minimum required liability 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. Frequently the UM/UIM limits do not exceed the liability coverage limits.
Medical payments and PIP coverage – Med pay and PIP coverage pay for short-term medical expenses for hospital visits, surgery, doctor visits and dental work. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible
Make a quick buck
As you restructure your insurance plan, never buy poor coverage just to save money. In too many instances, someone sacrificed full coverage to discover at claim time that it was a big mistake. Your aim should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.
Cheap 1999 Honda Civic insurance can be purchased on the web and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.
In this article, we covered a lot of ways to reduce insurance prices online. The key thing to remember is the more companies you get rates for, the better your comparison will be. You may be surprised to find that the lowest rates come from the least-expected company. Regional companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm or Progressive.
To learn more, take a look at the following helpful articles:
- Eight Auto Insurance Myths (Insurance Information Insitute)
- Red Light Cameras (State Farm)
- Get the Right Protection (InsureUonline.org)
- Should I Buy a New or Used Car? (Allstate)
- Airbag FAQ (iihs.org)
Frequently Asked Questions
How can I find the cheapest auto insurance rates for my 1999 Honda Civic in 2023?
You can find the cheapest auto insurance rates for your 1999 Honda Civic by comparing quotes from different insurance companies. Enter your zip code in the provided tool to view companies that offer cheap auto insurance rates.
How can I get free auto insurance quotes?
You can get free auto insurance quotes by using online tools that allow you to enter your policy information once and receive quotes from multiple insurance companies. Click on the provided link to access a free quoting program.
Should I use the provided free quoting program or choose specific insurance providers to compare rates?
It’s up to you to decide how you want to get price quotes. Using the free quoting program allows you to receive quotes from multiple companies based on your entered information. However, if you prefer to choose specific providers, a list of insurance companies in your area is provided for reference.
Are there any discounts available that can lower my auto insurance rates?
Yes, many car insurance companies offer discounts that can help reduce your rates. These discounts vary between providers and may include factors such as safe driving records, multiple policies, vehicle safety features, or loyalty discounts. It’s best to inquire with each insurance company to determine the available discounts.
How do I determine the right coverage plan for my Honda Civic?
Choosing the right coverage plan for your Honda Civic depends on your unique situation. There is no one-size-fits-all coverage plan. You can consider specific questions to help determine your insurance needs, or you can consult with a licensed agent who can provide professional assistance.
What factors impact Honda Civic insurance rates?
Several factors influence auto insurance rates, including your driving record, age, location, type of vehicle, coverage limits, deductible, and more. It’s important to understand these factors as they are used by insurance companies to calculate premiums.
Do all auto insurance companies offer the same savings if I switch to them?
No, auto insurance companies have preferred customer profiles that they consider more profitable. While some companies claim you can save if you switch to them, it’s essential to compare multiple quotes from different providers to find the best rates for your specific circumstances.
What are some common types of coverage found in insurance policies?
Common types of coverage found in insurance policies include collision coverage (pays for damage from colliding with objects or vehicles), comprehensive coverage (pays for damage from various events), liability insurance (covers damage to others in an accident), and uninsured/underinsured motorist coverage (protects against uninsured or underinsured drivers). Additionally, there is medical payments and personal injury protection (PIP) coverage, which pays for medical expenses resulting from an accident.
How can I make sure I’m getting a good deal on insurance without sacrificing coverage?
While it’s important to find affordable insurance rates, it’s equally crucial not to compromise on coverage. Be cautious of purchasing poor coverage just to save money, as it may lead to regrets when making a claim. The key is to find a balance between the price and the amount of coverage you need. Comparison shopping and getting quotes from different companies can help you find the best price for the coverage you require.
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