Cheapest 2000 Honda Civic Insurance Rates in 2023
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UPDATED: Jun 2, 2023
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Trying to find better auto insurance rates? Buyers have lots of choices when searching for the lowest priced Honda Civic insurance. You can either waste hours calling around trying to get quotes or save time using the internet to make rate comparisons.
There is a right way and a wrong way to buy auto insurance so we’re going to tell you the proper way to get price quotes for a new or used Honda and locate the cheapest rates.
Consumers should take time to get comparison quotes before your policy renews due to the fact that insurance rates fluctuate regularly. If you had the best deal on Civic coverage a few years ago you will most likely find a better rate today. Ignore everything you know about auto insurance because you’re about to find out one of the quickest ways to find the best coverage while lowering your premiums.
The purpose of this post is to help educate you on how to get online quotes and some tips to save money. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this information. Drivers only need an understanding of the proper way to compare rates on the web.
Where Can I Get Cheap Car Insurance?
There are a lot of ways to compare car insurance quotes, but some are less labor-intensive and much quicker. You could waste time driving to local insurance agents in your area, or you can utilize the internet for quick rates.
Most major companies participate in an industry program that enables customers to complete one form, and every company then gives them pricing for coverage. This system prevents you from having to do quote requests to each individual car insurance company.
To participate in this free quote system, click here to open in new window.
The single downside to getting quotes like this is you can’t choose which insurance companies to get quotes from. So if you want to choose specific providers to compare rates, we have assembled a list of car insurance companies in your area. Click to view list.
Which method you use is up to you, but ensure you’re using exactly the same coverages for each comparison quote. If each company quotes differing limits it will be impossible to determine which rate is truly the best.
Tailor your coverage to you
When buying the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different.
For example, these questions may help highlight if your insurance needs would benefit from professional advice.
- Does my policy cover my teen driver if they drive my company car?
- What discounts do I qualify for?
- I have health insurance so do I need medical payments coverage?
- What companies insure drivers after a DUI or DWI?
- Should I have a commercial auto policy?
- What is the ISO rating for a 2000 Honda Civic?
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form. It is quick, free and you can get the answers you need.
Educate yourself about insurance coverages
Knowing the specifics of insurance can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.
Coverage for liability – This coverage can cover damages or injuries you inflict on other people or property by causing an accident. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.
Liability can pay for things such as emergency aid, structural damage and attorney fees. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.
Collision – Collision coverage pays for damage to your Civic caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as hitting a mailbox, colliding with another moving vehicle, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.
Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like ambulance fees, doctor visits and surgery. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance – This pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like damage from getting keyed, falling objects, fire damage, hitting a bird and a broken windshield. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Coverage for uninsured or underinsured drivers – This gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Honda Civic.
Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.
Frequently Asked Questions
What factors determine the insurance rates for a 2000 Honda Civic?
Several factors contribute to determining the insurance rates for a 2000 Honda Civic. The key factors include the driver’s age, location, driving record, insurance history, coverage options, deductible amount, and the specific model and trim level of the Honda Civic.
Are older vehicles like the 2000 Honda Civic cheaper to insure?
Generally, older vehicles like the 2000 Honda Civic tend to have lower insurance rates compared to newer models. This is because older cars typically have lower market values, which means potential lower payouts for insurance companies in the event of an accident or theft. However, individual factors such as the driver’s profile and the condition of the vehicle can still affect insurance rates.
How can I find the cheapest insurance rates for my 2000 Honda Civic?
To find the cheapest insurance rates for a 2000 Honda Civic, you can follow these steps:
- Shop around and compare quotes from multiple insurance companies.
- Maintain a clean driving record, as accidents and traffic violations can increase insurance premiums.
- Consider increasing your deductibles, as higher deductibles often lead to lower premiums.
- Inquire about available discounts, such as safe driver discounts or bundling insurance policies with the same company.
- If your Honda Civic has a low market value, you might consider opting for liability coverage only, which could lower your premiums.
Does the location where I live affect the insurance rates for a 2000 Honda Civic?
Yes, the location where you live can impact the insurance rates for a 2000 Honda Civic. Insurance companies take into account factors such as the crime rate, population density, and historical accident data of your area when determining your premiums. If you reside in an area with higher instances of car theft or accidents, you may experience higher insurance rates.
Are there any specific discounts available for insuring a 2000 Honda Civic?
Insurance companies often offer various discounts that could help reduce insurance rates for a 2000 Honda Civic. Some common discounts include safe driver discounts, multi-policy discounts (for bundling auto and home insurance, for example), and discounts for having anti-theft devices or safety features installed in your vehicle. It’s best to check with individual insurance providers to see what discounts they offer.
Can I lower my insurance rates for a 2000 Honda Civic by taking a defensive driving course?
Yes, taking a defensive driving course can potentially lower your insurance rates for a 2000 Honda Civic. Some insurance companies offer discounts for completing an approved defensive driving course, as it demonstrates your commitment to safe driving practices. However, not all insurers provide this discount, so it’s important to check with your specific insurance company to confirm their policy on defensive driving course discounts.
Do I need comprehensive and collision coverage for a 2000 Honda Civic?
The need for comprehensive and collision coverage depends on your individual circumstances and preferences. If your 2000 Honda Civic has a low market value, you might consider forgoing comprehensive and collision coverage to reduce your insurance costs. However, if the vehicle holds significant value to you or you want added protection against theft, vandalism, or damage from accidents, comprehensive and collision coverage may be worth considering.
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