2001 Honda Civic Car Insurance Quotes

Searching for low-cost insurance for a Honda Civic could be an all-consuming task, but you can use our car insurance buying tips to save time.

There is a better way to find car insurance online so we’re going to tell you the absolute fastest way to compare rates for your Honda and get the cheapest rates from local insurance agents and online providers.

It’s important to take a look at other company’s rates periodically because insurance prices are constantly changing. If you had the lowest rate on Civic insurance at your last renewal you will most likely find a better premium rate today. There is a lot of bad information regarding car insurance out there, but in this article, you’re going to get some solid techniques on how to save money.

If you have insurance now or need new coverage, you can learn to cut your premiums and possibly find even better coverage. Buying affordable protection is easy if you know what you’re doing. Vehicle owners only need to know the best way to compare prices over the internet.

These discounts can lower your car insurance rates

The price of auto insurance can be rather high, but there could be significant discounts to cut the cost considerably. Most are applied at the time of quoting, but less common discounts must be specially asked for prior to getting the savings.

  • Anti-theft System – Cars and trucks optioned with advanced anti-theft systems are less likely to be stolen and that can save you a little bit as well.
  • Accident Forgiveness – Not a discount per se, but some insurance companies will forgive one accident without the usual rate increase with the catch being you have to be claim-free prior to being involved in the accident.
  • Military Deployment Discount – Being on active duty in the military can result in better premium rates.
  • Claim Free – Claim-free drivers can earn big discounts compared to insureds who have frequent claims or accidents.
  • Passenger Safety Discount – Options like air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Seat Belt Discounts – Buckling up and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Online Discount – Certain car insurance companies will give a small break shop insurance online.

Don’t be surprised that most discount credits are not given to the overall cost of the policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, you’re out of luck. Any amount of discount will reduce the cost of your policy.

A list of companies and their possible discounts include:

  • State Farm has discounts for driver’s education, Drive Safe & Save, defensive driving training, student away at school, good student, passive restraint, and safe vehicle.
  • American Family may have discounts that include accident-free, TimeAway discount, good student, early bird, and bundled insurance.
  • AAA has savings for pay-in-full, anti-theft, education and occupation, good driver, and AAA membership discount.
  • GEICO offers discounts for federal employee, anti-lock brakes, anti-theft, daytime running lights, and seat belt use.
  • Mercury Insurance includes discounts for good driver, good student, annual mileage, anti-theft, low natural disaster claims, professional/association, and multi-car.
  • Farmers Insurance policyholders can earn discounts including mature driver, teen driver, business and professional, electronic funds transfer, youthful driver, and multi-car.
  • Progressive offers discounts including homeowner, multi-vehicle, online quote discount, online signing, good student, and continuous coverage.

Before you buy a policy, ask every company to apply every possible discount. Depending on the company, some discounts may not be offered in your area.

How much is car insurance?

The majority of larger companies such as 21st Century, Allstate and State Farm make it easy to get prices online. Getting online rates is pretty easy as you just type in your required coverages as requested by the quote form. Once entered, the quote system sends out for your driving record and credit report and provides a quote determined by many factors.

This simplifies rate comparisons, but having to visit a lot of sites and type in the same information is monotonous and tiresome. But it’s absolutely necessary to perform this step in order to find the best price possible.

The better way to compare rates

An easier way to get multiple rate quotes uses one simple form that gets price quotes from a lot of companies. It’s a real time-saver, helps eliminate reptitive entry, and makes rate comparisons much more efficient. Immediately after you send the form, it is quoted with multiple companies and you can pick any one of the quote results.

If a lower price is quoted, it’s easy to complete the application and buy the new coverage. The entire process just takes a couple of minutes and can result in significant savings.

To find out how much you can save on car insurance, click here to open in a new tab and fill out the form. To compare your current rates, we recommend you copy just like they are on your policy. This makes sure you will have an apples-to-apples comparison using the exact same coverages.

Insurance premiums are influenced by these factors

Many different elements are part of the calculation when you get a price on insurance. Some are obvious such as your driving record, but others are less obvious such as your credit history and annual miles driven.An important part of buying insurance is that you know some of the things that come into play when calculating your auto insurance rates. When you know what positively or negatively controls the rates you pay, this enables you to make decisions that can help you get better auto insurance rates.

The factors shown below are most of the major factors that factor into your rate level.

  • Do you work long hours in a high stress employer? – Did you know your career choice can influence rates? Careers such as fire fighters, social workers and financial analysts are shown to have higher premiums than the average policyholder due to intense work requirements and long work days. Conversely, careers such as actors, engineers and homemakers have lower than average premiums on Civic insurance.
  • Where you live – Having an address in a rural area can save you money when trying to find low car insurance rates. Less people means reduced accidents in addition to lower liability claims People in densly populated areas tend to have more auto accidents and longer commutes to work. More time commuting means more chances of being involved in an auto accident.
  • Your spouse saves you money – Having a spouse actually saves money when buying auto insurance. It means you’re less irresponsible and it’s proven that drivers who are married are more cautious.
  • Cars with good safety ratings lower auto insurance rates – Vehicles with good safety scores tend to have lower insurance rates. Vehicles built for safety result in less severe injuries and fewer serious injuries means lower claim amounts which can result in lower premiums.
  • Eliminate unneeded extra policy coverages – Insurance companies have many add-on coverages that can add up if you aren’t diligent. Coverage for things like vanishing deductibles, accidental death, and extra equipment coverage could be just wasting money. These coverages may sound good when talking to your agent, but your money might be better spent on other coverage so get rid of them and save.
  • Deter car thieves – Purchasing a vehicle with advanced anti-theft systems can earn a premium discount. Systems that thwart theives like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent your car from being stolen.
  • Traffic violations are costly – Drivers who don’t get tickets get better prices than people who have multiple driving citations. Just one citation can increase rates twenty percent or more. Drivers who have received careless tickets such as DUI or reckless driving might be required by their state to file a SR-22 with their state in order to prevent a license revocation.

Different people need different insurance coverage coverages

When buying adequate coverage, there really is not a perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that might point out if you would benefit from professional advice.

  • What is UM/UIM insurance?
  • What is the ISO rating for a 2001 Honda Civic?
  • Should I buy only the required minimum liability coverage?
  • Do I have coverage when making deliveries for my home business?
  • Is pleasure use cheaper than using my 2001 Honda Civic to commute?
  • Why do I only qualify for high-risk insurance?
  • Who is covered by my policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • Are my friends covered when driving my 2001 Honda Civic?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

Auto insurance coverage information

Learning about specific coverages of insurance aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverages – This coverage will pay to fix damage to your Civic caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a parking meter, backing into a parked car, sideswiping another vehicle and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – This covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as fire damage, hail damage and hitting a bird. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability – This coverage provides protection from damage that occurs to people or other property. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims such as repair bills for other people’s vehicles, bail bonds and legal defense fees. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Medical expense insurance – Med pay and PIP coverage pay for immediate expenses for things like ambulance fees, X-ray expenses, funeral costs, prosthetic devices and nursing services. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Buy Smart and Save

Cheap 2001 Honda Civic insurance can be purchased online and from local agencies, and you need to comparison shop both to get a complete price analysis. There are still a few companies who don’t offer online rate quotes and these small, regional companies only sell coverage through local independent agencies.

Drivers switch companies for many reasons like policy non-renewal, questionable increases in premium, delays in paying claims or even unfair underwriting practices. No matter why you want to switch, switching insurance coverage companies is pretty easy and you might even save some money in the process.

As you shop your coverage around, don’t be tempted to reduce coverage to reduce premium. In many instances, someone dropped liability coverage limits only to discover later that they should have had better coverage. The goal is to purchase a proper amount of coverage at the best price and still be able to protect your assets.

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