2003 Honda Civic Car Insurance Quotes

Searching for better car insurance rates for your Honda Civic? Overpriced Honda Civic insurance can dwindle your savings account and make it hard to pay other bills. Doing a price comparison is a great way to lower your monthly bill. You have so many insurance companies to pick from, and although it’s a good thing to have a selection, it can be more difficult to adequately compare rates.

The purpose of this post is to help educate you on how to effectively get price quotes and some money-saving tips. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Drivers just need to know the best way to compare price quotes over the internet.

The best way to compare car insurance rates is to know the trick car insurance companies participate in online systems to compare their rates. All you need to do is give the companies some data including if a SR-22 is required, your general credit rating, if you’re married, and your job. That information gets transmitted to insurance companies and you will get price comparisons quickly.

Best discounts on 2003 Honda Civic coverage

Insurance can cost an arm and a leg, but companies offer discounts that you may not know about. Some discounts apply automatically at quote time, but a few need to be asked about prior to getting the savings. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Paperless Signup – Some insurance companies give back up to $50 for buying a policy and signing up online.
  • Defensive Driving Course – Taking a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Memberships – Belonging to a civic or occupational organization may earn a discount on your policy on Civic insurance.
  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out life insurance.
  • No Accidents – Good drivers with no accidents pay less compared to frequent claim filers.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Resident Student – Youth drivers who live away from home and do not have access to a covered vehicle can receive lower rates.
  • One Accident Forgiven – Some insurance companies will allow you to have one accident before raising your premiums if you are claim-free for a particular time prior to the accident.

A little note about advertised discounts, some credits don’t apply to the entire cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you could get a free insurance coverage policy, companies don’t profit that way. Any qualifying discounts will help reduce the amount you have to pay.

A partial list of companies that may offer these money-saving discounts include:

It’s a good idea to ask all companies you are considering how you can save money. Savings may not be available everywhere.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether your personal situation might need an agent’s assistance.

  • How much liability insurance is required?
  • Does medical payments coverage apply to all occupants?
  • Are my friends covered when driving my 2003 Honda Civic?
  • What should my uninsured motorist coverage limits be in my state?
  • Does my medical payments coverage pay my health insurance deductible?
  • Should I rate my 2003 Honda Civic as pleasure use or commute?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does car insurance cover theft of personal property?
  • Should I buy full coverage?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Lesser-known factors impacting Honda Civic insurance rates

Consumers need to have an understanding of the different types of things that go into determining the price you pay for auto insurance. When you know what positively or negatively influences your rates allows you to make educated decisions that will entitle you to big savings.

Listed below are some of the items companies use to determine prices.

  • Too many auto insurance claims drive up costs – Companies provide cheaper rates to drivers who do not file claims often. If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for larger claims.
  • Bad driving skills means higher rates – Whether or not you get tickets impacts your car insurance rates tremendously. Drivers with clean records get better rates than bad drivers. Just one speeding ticket may increase your cost by twenty percent. Drivers with serious tickets such as hit and run, DWI or reckless driving convictions are required to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • High credit ratings translate to low rates – A driver’s credit score is a big factor in your rate calculation. Therefore, if your credit is lower than you’d like, you could potentially save money when insuring your 2003 Honda Civic by repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records as compared to drivers with poor credit.
  • Where you live – Choosing to live in less populated areas has it’s advantages when it comes to auto insurance. Fewer people means a lower chance of having an accident and a lower car theft rate. Drivers in populated areas have to deal with congested traffic and longer commute times. More time on the road means higher likelihood of an accident.

Don’t listen to company ads

Consumers constantly see and hear ads for the lowest price auto insurance by State Farm, Allstate and Geico. They all say the same thing about savings if you move to their company.

How can each company make almost identical claims? It’s all in the numbers.

All the different companies have a preferred profile for the right customer that is profitable for them. A good example of a preferred risk could possibly be between the ages of 40 and 55, is a homeowner, and has a short commute. A propective insured that hits that “sweet spot” receives the best rates and as a result will probably save a lot of money.

Potential insureds who fall outside this ideal profile will be quoted a more expensive rate and ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” not “everyone that quotes” save money. That’s why insurance companies can make the claims of big savings.

This emphasizes why you need to get as many comparisons as possible. It’s not possible to predict which company will provide you with the cheapest Honda Civic insurance rates.

Detailed coverages of your auto insurance policy

Understanding the coverages of your auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most auto insurance policies.

Auto collision coverage

This coverage will pay to fix damage to your Civic resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like sideswiping another vehicle, hitting a parking meter, colliding with another moving vehicle, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses such as chiropractic care, surgery, hospital visits, ambulance fees and nursing services. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability coverage

This coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as attorney fees, repair costs for stationary objects, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Comprehensive auto insurance

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, hitting a bird, fire damage and falling objects. The highest amount 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 it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Honda Civic.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages are set the same as your liablity limits.

A little work can save a LOT of money

When trying to cut insurance costs, never skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage for the lowest price while not skimping on critical coverages.

Throughout this article, we presented quite a bit of information on how to save on 2003 Honda Civic insurance. It’s most important to understand that the more quotes you get, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with the least-expected company. Some small companies may have significantly lower rates on certain market segments than their larger competitors like Allstate or State Farm.

The cheapest insurance can be purchased from both online companies and with local insurance agents, and you should be comparing both to have the best rate selection. A few companies do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

Additional insurance coverage information is available below: