Save on 1997 Honda Civic Insurance Rates

Want the cheapest insurance coverage rates for your Honda Civic? Are you tired of paying out the nose each month for car insurance? You’re in the same situation as many other drivers. Because you have many companies and agents to choose from, it can be hard to find the right provider.

These discounts can lower your rates

Companies don’t always advertise every discount in a way that’s easy to find, so we break down some of the best known and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Multiple Cars – Buying coverage for all your vehicles on one policy can get a discount on all vehicles.
  • New Car Discount – Insuring a new car can save up to 30% since new cars are generally safer.
  • Drive Less and Save – Driving fewer miles can earn discounted rates on garaged vehicles.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • No Charge for an Accident – A handful of insurance companies permit an accident before your rates go up if your claims history is clear for a particular time prior to the accident.

Drivers should understand that some credits don’t apply to your bottom line cost. Some only reduce specific coverage prices like comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, it just doesn’t work that way.

To see a list of companies offering car insurance discounts, click here.

What determines your Honda Civic insurance premium

Smart consumers have a good feel for the rating factors that play a part in calculating your auto insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that will entitle you to lower auto insurance prices.

  • Being married is a good thing – Getting married can get you a discount on your auto insurance policy. Having a spouse usually means you are more mature and statistics show married couples file fewer claims.
  • Big city or small town – Choosing to live in a rural area can save you money when insuring your vehicles. Less people living in that area translates into fewer accidents. Drivers in populated areas regularly have traffic congestion and a longer drive to work. Higher commute times means more change of being in an accident.
  • Older drivers pay less – Older insureds are more cautious drivers, tend to file fewer claims and receive fewer citations. Youthful drivers are statistically proven to be more careless when behind the wheel therefore auto insurance rates are much higher.
  • Little extras can really add up – There are a ton of extra bells and whistles that can waste your money if you aren’t careful. Coverages like personal injury protection, accident forgiveness and membership fees are some examples. These may sound like a good investment at first, but your needs may have changed so get rid of them and save.

Different people need different coverages

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions might point out if you would benefit from professional advice.

  • Can I drive in Mexico and have coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • How can I find cheaper teen driver insurance?
  • Are my friends covered when driving my 1997 Honda Civic?
  • Do I need an umbrella policy?
  • How much underlying liability do I need for an umbrella policy?
  • Am I covered when driving on a suspended license?
  • When should my teen driver be added to my policy?
  • What is covered by UM/UIM coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Coverage specifics

Having a good grasp of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by insurance companies.

Liability insurance

Liability coverage provides protection from injuries or damage you cause to other’s property or people. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as structural damage, attorney fees, repair costs for stationary objects, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Collision coverage

Collision coverage covers damage to your Civic resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sideswiping another vehicle, driving through your garage door, colliding with a tree, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Medical payments coverage and PIP

Med pay and PIP coverage pay for short-term medical expenses for prosthetic devices, nursing services, EMT expenses and doctor visits. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Honda Civic.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverage

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

Comprehensive coverage pays for things such as theft, hitting a bird, fire damage and vandalism. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Get your money’s worth

As you restructure your insurance plan, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice liability coverage limits and learned later that it was a big mistake. The proper strategy is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Cheaper 1997 Honda Civic insurance is possible both online as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. Some companies don’t offer online quoting and most of the time these small insurance companies sell through independent agents.

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