1990 Honda Civic CRX Insurance Cost

Searching for lower insurance rates for your Honda Civic CRX? Feel like you’re a prisoner to overpriced insurance? Believe me when I say many consumers feel financially strained by their insurance policy. Numerous insurance companies battle to insure your vehicles, so it’s not easy to compare every insurer to find the absolute best rates possible.

Consumers need to shop coverage around yearly because rates are constantly changing. Even if you think you had the lowest price on Civic CRX insurance last year the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the proper way to find better coverage at a better price.

Discounts can save BIG

Properly insuring your vehicles can get expensive, but you can get discounts to help bring down the price. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be asked for in order for you to get them. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Federal Employees – Active or retired federal employment can earn a discount up to 10% on Civic CRX insurance with select insurance companies.
  • Sign Online – A handful of insurance companies give back up to $50 just for signing your application digitally online.
  • Sign Early and Save – Some companies give discounts for signing up before your current expiration date. It can save you around 10%.
  • Seat Belt Usage – Drivers who require all occupants to use their safety belts could cut 10% or more off your medical payments premium.
  • Claim Free – Drivers who don’t have accidents pay much less compared to frequent claim filers.
  • Safe Drivers – Insureds without accidents can pay as much as 50% less on Civic CRX insurance than drivers with accidents.

Drivers should understand that most discounts do not apply to the overall cost of the policy. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount will help reduce your overall premium however.

Insurance companies that possibly offer these money-saving discounts may include but are not limited to:

Check with all companies you are considering what discounts are available to you. Discounts might not apply in every state.

Vehicle Insurance Comparison

There are a lot of ways to compare insurance quotes, but one way is less labor-intensive and much quicker. You can waste hours driving to agents in your area, or you could save time and use online quoting to achieve your goal.

Many companies are enrolled in a marketplace where insurance shoppers send in one quote, and each company returns a competitive quote for coverage. This saves time by eliminating repetitive form submissions to each company.

To compare 1990 Honda Civic CRX rates now click here to start a free quote.

One minor caviat to comparing rates this way is you can’t choose which companies to receive prices from. If you wish to select specific providers to compare, we have assembled a list of companies who write insurance in your area. View list of insurance companies.

It doesn’t matter which method you choose, just make darn sure you compare exactly the same coverages and limits for every quote you compare. If you enter unequal deductibles or liability limits it will be very difficult to decipher which rate is best.

Will just any policy work for me?

When choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions might help in determining if your situation could use an agent’s help.

  • When should I not file a claim?
  • What if I total my 1990 Honda Civic CRX and owe more than it’s worth?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered if I drive in a foreign country?
  • Am I covered if I wreck a rental car?
  • When would I need additional glass coverage?
  • Why is insurance for a teen driver so high?
  • Does my medical payments coverage pay my health insurance deductible?
  • I don’t drive much so do I pay less?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

The coverage is in the details

Having a good grasp of insurance can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and nobody wants to actually read their policy. These are typical coverage types found on most insurance policies.

Coverage for liability

This coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values 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 $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for things such as attorney fees, pain and suffering, structural damage and bail bonds. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage protection

This covers damage to your Civic CRX resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like rolling your car, colliding with a tree, hitting a mailbox, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, hitting a deer and hitting a bird. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as hospital visits, X-ray expenses, pain medications, dental work and surgery. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Save for a rainy day

Budget-conscious 1990 Honda Civic CRX insurance can be sourced from both online companies and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies may not provide online price quotes and these smaller companies work with independent agents.

As you prepare to switch companies, do not buy poor coverage just to save money. There are too many instances where drivers have reduced physical damage coverage only to discover later that the small savings ended up costing them much more. The ultimate goal is to purchase a proper amount of coverage at the best price while still protecting your assets.

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