View 1994 Honda Civic Insurance Rates

Looking for cheaper insurance rates for your Honda Civic? Finding cheaper insurance for a Honda Civic could be difficult, but you can learn the following methods to make it easier.

There are both good and bad ways to shop for insurance and we’ll show you the best way to quote coverages on a Honda and obtain the lowest price either online or from local insurance agents.

Honda Civic premiums are determined by many factors

Consumers need to have an understanding of some of the elements that help determine insurance coverage rates. Knowing what influences your rates empowers consumers to make smart changes that will entitle you to better insurance coverage rates.

  • Drive less and save money – The more you drive each year the higher your rates will be. Almost all companies rate vehicles based on their usage. Cars that are left in the garage get more affordable rates than those used for commuting. Having the wrong rating on your Civic may be wasting your money. Verify your insurance coverage policy shows the correct driver usage.
  • Increase deductibles and save – Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your Honda. Examples of covered claims are running into the backend of another car, vandalism, or theft. The deductibles are how much you are willing to pay out-of-pocket before a claim is paid by your company. The more money you’re willing to pay, the less your company will charge you for insurance for Civic coverage.
  • Small claims can cost you – If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Insurance companies award discounts to insureds who file claims infrequently. Auto insurance is intended for larger claims.
  • Traffic violations increase rates – Drivers with clean records receive lower rates than people who have multiple driving citations. Even a single citation may increase your cost by as much as thirty percent. If you have severe violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.
  • Do you have a high stress job? – Occupations like real estate brokers, executives and accountants tend to pay higher rates than average attributed to high stress levels and lots of time spent at work. On the flip side, professions such as scientists, athletes and the unemployed have the lowest average rates for Civic coverage.

How to Get Cheap Car Insurance

All the larger car insurance companies quote pricing directly from their websites. Getting quotes is quite easy as you just type in your required coverages into a form. When the form is submitted, the company’s rating system collects credit information and your driving record and quotes a price based on many factors.

This simplifies rate comparisons, but having to visit different websites and type in the same information can be a bit tiresome and repetitive. But it’s very important to do this if you are searching for the best price on car insurance.

There is an easier way!

The quickest way to find lower prices uses one simple form that analyzes rates from multiple companies. It saves time, eliminates repetitive work, and makes online price comparison much easier to do. After sending the form, it is quoted with multiple companies and you can pick any one of the quotes returned.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. This process just takes a couple of minutes and you will find out if you’re overpaying now.

To quickly find out if lower rates are available, click here to open in a new tab and submit your coverage information. If you have your current policy handy, we recommend you replicate the insurance coverages just like they are on your policy. This ensures you will have a price comparison based on similar coverages.

Discounts can save BIG

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to cut the cost considerably. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be requested specifically before you get the savings. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts could save 15% off your medical payments premium.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Student in College – Youth drivers who are attending college and do not have a car may qualify for this discount.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Driver Safety – Completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.

It’s important to note that most discount credits are not given to the entire policy premium. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any amount of discount will bring down the amount you have to pay.

For a list of providers offering insurance coverage discounts, click here.

Will just any policy work for me?

When buying adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is a little different.

For example, these questions might point out if your situation could use an agent’s help.

  • Am I covered when driving in Canada or Mexico?
  • How can I force my company to pay a claim?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered if I hit a deer?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my insurance cover a custom paint job?
  • Does my policy pay for OEM or aftermarket parts?
  • Should I bundle my homeowners policy with my auto?
  • At what point should I drop full coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Coverage specifics

Learning about specific coverages of your car insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Coverage for medical payments

Med pay and PIP coverage reimburse you for bills for things like chiropractic care, pain medications and doctor visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This coverage protects you from injuries or damage you cause to other’s property or people that is your fault. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as bail bonds, loss of income and legal defense fees. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Comprehensive coverages

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, vandalism, falling objects and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Honda Civic.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits are set the same as your liablity limits.

Collision insurance

This coverage will pay to fix damage to your Civic caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as driving through your garage door, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

What is YOUR best insurance company?

Drivers leave their current company for many reasons like policy cancellation, an unsatisfactory settlement offer, high prices and delays in paying claims. Regardless of your reason for switching companies, finding a new insurance coverage company is easier than you think.

Budget-conscious 1994 Honda Civic insurance can be purchased online as well as from independent agents, and you need to comparison shop both to get a complete price analysis. A few companies don’t offer online quoting and these smaller companies work with independent agents.

When shopping online for insurance coverage, it’s very important that you do not skimp on coverage in order to save money. Too many times, consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Much more information about insurance coverage is available on the following sites: