1998 Honda Civic Car Insurance Rates – 6 Ideas for Best Quotes

Looking for lower insurance coverage rates for your Honda Civic? Are you overwhelmed by the wide range of insurance coverage options? Many other drivers are as well. There are so many companies to choose from that it can be a lot of work to compare prices.

Smart consumers take time to check insurance coverage prices every six months because prices fluctuate regularly. Even if you think you had the lowest price for Civic coverage a couple years back other companies may now be cheaper. You’ll find quite a bit of inaccurate information about insurance coverage online but with this article, you’re going to get the easiest ways to reduce your insurance coverage bill.

These six discounts can slash auto insurance rates

Car insurance companies don’t necessarily list all available discounts very well, so we break down some of the more common and also the lesser-known savings tricks you should be using.

  • No Charge for an Accident – A handful of insurance companies allow you one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Homeowners Savings – Simply owning a home can save you money because maintaining a house shows financial diligence.
  • 55 and Retired – Older drivers may qualify for better auto insurance rates for Civic coverage.
  • College Student – Any of your kids who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • No Accidents – Drivers with accident-free driving histories pay much less when compared to drivers who are more careless.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Most only cut specific coverage prices like comprehensive or collision. Just because you may think it’s possible to get free car insurance, companies don’t profit that way.

Insurance companies who might offer these benefits include:

It’s a good idea to ask each company which discounts they offer. Some discounts may not apply everywhere.

Automobile Insurance Quotes

All the larger car insurance companies provide prices directly from their websites. Getting online rates doesn’t take much effort as you simply enter your personal and coverage information into a form. After the form is submitted, their system will obtain information on your driving record and credit history and returns pricing information determined by many factors.

This helps simplify price comparisons, but the time it takes to visit many different websites and fill out multiple forms is repetitive and time-consuming. But it is imperative to perform this step in order to find the lowest possible prices on car insurance.

An easier way to get multiple rate quotes uses one form that gets price quotes from several different companies. It saves time, reduces the work, and makes price shopping online much more enjoyable. As soon as the form is sent, it gets priced and you can select any or none of the quote results. If you find a better price you can simply submit the application and buy the new coverage. It can be completed in a matter of minutes and could lower your rates considerably.

In order to use this form to compare rates, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you copy the limits and deductibles as close as possible to your current policy. This helps ensure you will receive comparison quotes based on the exact same insurance coverage.

When might I need the advice of an agent?

When choosing adequate coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover whether or not you could use an agent’s help.

  • What are the best liability limits?
  • Is my babysitter covered when using my vehicle?
  • Should I buy only the required minimum liability coverage?
  • Which is better, split liability limits or combined limits?
  • Where can I find DUI or SR-22 insurance?
  • How high should my medical payments coverage be?
  • Can I rent a car in Mexico?
  • Can I still get insurance after a DUI?
  • When would I need rental car insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance coverage information

Understanding the coverages of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

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 have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a parking meter, hitting a mailbox, backing into a parked car and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as funeral costs, X-ray expenses, surgery, prosthetic devices and dental work. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability coverage

This coverage provides protection from injuries or damage you cause to other people or property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as medical services, pain and suffering and medical expenses. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like fire damage, damage from flooding and rock chips in glass. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Honda Civic.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Save for a rainy day

When you buy insurance online, make sure you don’t buy less coverage just to save a little money. Too many times, an accident victim reduced liability coverage limits and found out when filing a claim that it was a big error on their part. The proper strategy is to purchase a proper amount of coverage for the lowest price.

Lower-priced 1998 Honda Civic insurance can be purchased on the web and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some companies do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.

Drivers switch companies for many reasons like lack of trust in their agent, unfair underwriting practices, poor customer service and extreme rates for teen drivers. Whatever your reason, finding a new insurance company is less work than it seems.

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