1992 Honda Civic Car Insurance Quotes – 10 Ideas for Best Rates

Finding affordable car insurance can seem to be challenging for beginners to buying insurance online. You have so many companies to choose from that it can be a real challenge to compare prices.

You should make it a habit to compare prices every six months due to the fact that insurance rates trend upward over time. Just because you had the best deal on Civic coverage six months ago there may be better deals available now. Ignore everything you know about car insurance because you’re about to find out the fastest and easiest way to find the best coverage while lowering your premiums.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using this strategy. Finding the best coverage is quite easy. But consumers should learn how big insurance companies determine prices and apply this information to your search.

The quickest method we recommend to compare insurance rates in your area utilizes the fact auto insurance companies have advanced systems to quote your coverage. To start a quote, the only thing you need to do is provide a little information including the year, make and model of vehicles, daily mileage, an estimate of your credit level, and how old drivers are. The data is automatically sent to multiple companies and you will receive price estimates instantly.

To find lower rates now, click here and enter your coverage details.

Discounts mean cheaper 1992 Honda Civic insurance rates

Companies do not advertise every discount very clearly, so we took the time to find both the well known and the more hidden auto insurance savings.

• Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Civic coverage than drivers with accidents.
• One Accident Forgiven – Some insurance companies will allow you to have one accident before your rates go up if you are claim-free for a particular time prior to the accident.
• Discount for Good Grades – This discount can be rewarded with saving of up to 25%. The discount lasts up to age 25.
• Sign Online – A few companies may give you up to $50 for buying your policy on their website.
• Driver Safety – Taking a course in driver safety could cut 5% off your bill if your company offers it.
• Accident Free – Good drivers with no accidents can save substantially as compared to accident-prone drivers.
• Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
• Multiple Vehicles – Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
• Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% on Civic coverage depending on your company.
• Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, you’re out of luck.

For a list of providers with the best auto insurance discounts, follow this link.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different.

For instance, these questions might help in determining if your situation would benefit from an agent’s advice.

• Are my friends covered when driving my car?
• Do I need medical payments coverage since I have good health insurance?
• Can my babysitter drive my car?
• Do I need roadside assistance coverage?
• Should I buy only the required minimum liability coverage?
• How much can I save by bundling my policies?
• At what point should I drop full coverage?
• Do I need replacement cost coverage on my 1992 Honda Civic?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance coverages explained

Learning about specific coverages of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability

Liability insurance can cover damages or injuries you inflict on other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against things such as legal defense fees, repair costs for stationary objects, loss of income, emergency aid and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Comprehensive (Other than Collision)

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a broken windshield, fire damage, falling objects, vandalism and hitting a deer. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP pay for expenses for doctor visits, prosthetic devices, nursing services and X-ray expenses. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage pays for damage to your Civic caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as hitting a mailbox, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

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 losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.