Cheapest 1996 Honda Civic Insurance Rates in 2023
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UPDATED: Aug 23, 2022
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Searching for the cheapest insurance for a Honda Civic can turn out to be an all-consuming task, but you can learn our car insurance buying tips to save time.
There are both good and bad ways to compare car insurance rates so we’re going to tell you the absolute fastest way to price shop coverage for your Honda and get the lowest price either online or from local insurance agents.
You should make it a habit to compare prices occasionally since insurance rates change regularly. Just because you had the lowest rates for Civic insurance two years ago you may be paying too much now. There is a lot of bad information regarding car insurance on the web, but I’m going to show you some guaranteed methods to reduce your car insurance bill.
Save big with these discounts
Car insurance can cost a lot, but discounts can save money and there are some available to help bring down the price. Certain discounts will be applied at the time you complete a quote, but a few need to be specially asked for before you will receive the discount. If you’re not getting every credit you deserve, you are throwing money away.
- Low Mileage – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
- Driver Safety – Successfully completing a defensive driving course could save 5% or more and easily recoup the cost of the course.
- Safe Driver Discount – Safe drivers can pay as much as 50% less for Civic insurance than their less cautious counterparts.
- Life Insurance – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
- Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts could cut 10% or more off your medical payments premium.
- Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
It’s important to understand that most of the big mark downs will not be given to your bottom line cost. Most only cut individual premiums such as comp or med pay. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way. Any qualifying discounts will cut the amount you have to pay.
Companies that possibly offer these benefits include:
Check with all companies you are considering how you can save money. Discounts may not apply in your state.
But I don’t know anything about car insurance
When choosing proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique.
For example, these questions can aid in determining whether you could use an agent’s help.
- Can my babysitter drive my car?
- Is my dog or cat covered if injured in an accident?
- Which is better, split liability limits or combined limits?
- Do I pay less if my vehicle is kept in my garage?
- Does my policy cover my teen driver if they drive my company car?
- Am I covered when driving a rental car?
If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can help protect your family.
Buyer beware of insurance coverage advertising tricks
Consumers can’t ignore all the ads for the lowest price auto insurance from companies such as State Farm, Allstate and GEICO. All the ads have a common claim of big savings if you change your policy.
How can each company make almost identical claims? It’s all in the numbers.
All companies have a certain “appetite” for the right customer they prefer to insure. For instance, a driver they prefer might be between the ages of 30 and 50, has no driving citations, and has great credit. Any new insured who meets those qualifications receives the best rates and therefore will save a lot of money.
Potential customers who don’t meet these standards will have to pay higher prices and ends up with business going elsewhere. The ads state “customers who switch” not “people who quote” save money. This is how insurance companies can advertise the savings.
Because of the profiling, drivers must get quotes from several different companies. It’s not possible to predict which company will have the lowest Honda Civic insurance rates.
Auto insurance 101
Learning about specific coverages of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.
Collision – Collision insurance covers damage to your Civic from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things such as rolling your car, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.
Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually these limits are identical to your policy’s liability coverage.
Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like rehabilitation expenses, funeral costs and prosthetic devices. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible
Auto liability insurance – Liability insurance will cover damage that occurs to other people or property. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.
Liability insurance covers things like loss of income, structural damage, legal defense fees, repair costs for stationary objects and medical services. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.
Comprehensive auto insurance – This pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as rock chips in glass, hitting a deer, a broken windshield and hitting a bird. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Have the Midas touch
You just learned quite a bit of information on how to shop for 1996 Honda Civic insurance online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the best prices are with a lesser-known regional company.
When you buy insurance online, never sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced full coverage only to regret at claim time that it was a big mistake. The ultimate goal is to buy a smart amount of coverage at the best price.
Affordable insurance is available both online in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance coverage companies do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.
Helpful learning opportunities
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Booster Seat Ratings (iihs.org)
- Five Mistakes to Avoid (Insurance Information Insitute)
- What is a Telematics Device? (Allstate)
- What is Covered by GAP Insurance? (Allstate)
- Understanding Car Crashes Video (iihs.org)
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