View 1993 Honda Civic Insurance Quotes

Looking for the cheapest car insurance rates for your Honda Civic? Finding the cheapest insurance for your Honda Civic can be an all-consuming task, but you can learn our car insurance buying tips to find lower rates.

There are both good and bad ways to shop for car insurance and we’ll show you the proper way to price shop coverage for your Honda and find the cheapest rates either online or from local insurance agents.

Smart consumers take time to compare rates every six months since insurance rates change regularly. Just because you had the best deal for Civic coverage six months ago you can probably find a lower rate today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the quickest way to find the best coverage while lowering your premiums.

The best way to compare car insurance rates is to understand most of the larger companies will pay a fee to give rate comparisons. All consumers are required to do is provide details like whether you are single or married, your credit rating estimate, any included safety features, and what your job is. Your information is instantly sent to multiple different insurance companies and they return rate quotes quickly.

Lower rates by qualifying for discounts

Insuring your vehicles can cost a lot, but there are discounts available to reduce the price significantly. Some trigger automatically at the time of purchase, but some may not be applied and must be asked for prior to getting the savings. If you don’t get every credit available, you are throwing money away.

  • Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for Civic coverage than drivers with accidents.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Defensive Driver – Taking a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Drivers Education – Have your child complete a driver education course in high school.
  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Save with a New Car – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Clubs and Organizations – Being a member of a civic or occupational organization may earn a discount on your policy for Civic coverage.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
  • Sign Early and Save – Select companies give a discount for switching policies prior to your current policy expiring. It can save you around 10%.

Drivers should understand that some of the credits will not apply to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. So despite the fact that it appears you could get a free auto insurance policy, you’re out of luck. But all discounts will bring down your premiums.

Companies that may have these discounts are:

Check with each company which discounts they offer. Discounts might not apply everywhere.

Car insurance is unique, just like you

When choosing the best car insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that may help you determine if your insurance needs would benefit from an agent’s advice.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is pleasure use cheaper than using my 1993 Honda Civic to commute?
  • Who is covered by my policy?
  • How can I force my company to pay a claim?
  • Should I buy only the required minimum liability coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How much liability do I need to cover my assets?
  • Do I need replacement cost coverage on my 1993 Honda Civic?

If you can’t answer these questions, then you may want to think about talking to a licensed 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 coverages

Knowing the specifics of your policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Honda Civic.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for liability – This coverage will cover damage or injury you incur to people or other property in an accident. This coverage protects you from claims by other people, and 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. As an example, you may have values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like repair bills for other people’s vehicles, pain and suffering, court costs, emergency aid and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance – This pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, a broken windshield, rock chips in glass and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like nursing services, X-ray expenses, chiropractic care and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision – Collision insurance 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 coverage pays for things such as colliding with another moving vehicle, colliding with a tree, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.