1993 Honda Civic del Sol Insurance Rates – 5 Ways to Save

Want lower auto insurance rates? Drivers have options when trying to find low-cost Honda Civic del Sol insurance. You can either waste hours struggling with agents getting price quotes or leverage the internet to make rate comparisons.

There are both good and bad ways to shop for auto insurance and you need to know the best way to compare rates for a new or used Honda and get the cheapest rates either online or from local insurance agents.

You should take the time to shop coverage around once or twice a year since insurance rates are constantly changing. Just because you found the best rates on Civic del Sol coverage two years ago you can probably find a better price now. Starting now, forget all the misinformation about auto insurance because I’m going to teach you the quickest way to remove unneeded coverages and save money.

The quickest way to compare insurance rates from multiple companies is to take advantage of the fact car insurance companies will pay a fee to give free rates quotes. To begin a comparison, all you need to do is take a few minutes to give details such as how much coverage you want, if you require a SR-22, driver details, and whether you drive to work or school. That information is instantly provided to multiple companies and you receive quotes quickly.

Save 15 percent in 15 minutes? Is it for real?

Drivers constantly see and hear ads for cheaper car insurance by companies like Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim that you’ll save big if you change to them.

How can each company say the same thing? It’s all in the numbers.

Different companies have a preferred profile for the type of customer that makes them money. For example, a driver they prefer could be between the ages of 30 and 50, insures multiple vehicles, and has excellent credit. A customer that hits that “sweet spot” will get very good rates and as a result will probably save quite a bit of money when switching.

Potential insureds who are not a match for this ideal profile will have to pay higher rates which leads to the customer not buying. Company advertisements say “people who switch” not “everybody who quotes” save money. That’s why insurance companies can confidently make the claims of big savings.

Because of the profiling, you absolutely need to compare many company’s rates. Because you never know which company will fit your personal profile best.

Verify you’re getting all your discounts

Properly insuring your vehicles can get expensive, but there could be available discounts to help offset the cost. Some trigger automatically at the time you complete a quote, but a few must be specifically requested before they will apply. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts up to 30%.
  • Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Discount for Swiching Early – A few companies offer discounts for signing up prior to your current policy expiration. The savings is around 10%.
  • Accident Forgiveness – A few companies will forgive one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, you’re out of luck. Any amount of discount will help reduce the amount you have to pay.

Companies that possibly offer these benefits include:

It’s a good idea to ask all companies you are considering how you can save money. Savings might not be offered in every state.

When should I talk to an agent?

When choosing adequate coverage, there really is no “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that may help you determine if your situation might need an agent’s assistance.

  • Will I lose any money if I cancel my policy before it expires?
  • How can I force my company to pay a claim?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • How much underlying liability do I need for an umbrella policy?
  • Am I covered if I break a side mirror?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my state a no-fault state?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage information

Knowing the specifics of auto insurance can be of help when determining appropriate coverage and proper limits and deductibles. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive coverage – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like falling objects, theft, fire damage, hitting a bird and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Honda Civic del Sol.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are set the same as your liablity limits.

Auto liability – Liability coverage will cover damage that occurs to other people or property. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has 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 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like loss of income, bail bonds and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like damaging your car on a curb, sustaining damage from a pot hole, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Medical payments coverage and PIP – Med pay and PIP coverage pay for bills like surgery, prosthetic devices, nursing services, funeral costs and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

One last thing about your coverage

Consumers switch companies for any number of reasons including being labeled a high risk driver, extreme rates for teen drivers, questionable increases in premium and lack of trust in their agent. Regardless of your reason for switching companies, choosing a new company is not as difficult as it may seem.

Throughout this article, we presented many ideas to compare 1993 Honda Civic del Sol insurance prices online. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. Consumers may even find the lowest rates come from a small mutual company.

Cheap insurance can be purchased both online and with local insurance agents, so you should be comparing quotes from both to have the best selection. Some companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

Much more information about insurance coverage can be read at the links below