Cheapest 1997 Honda Civic Insurance Rates in 2023
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UPDATED: Aug 24, 2022
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Have you fallen victim to an overpriced insurance policy? Believe me when I say there are many people just like you.
Multiple auto insurance companies compete to insure your vehicles, so it can be very hard to choose a provider to discover the definitive lowest rate
Consumers need to price shop coverage periodically because insurance rates are usually higher with each renewal. Just because you found the best rates for Civic coverage a couple years back a different company probably has better rates today. You can find a lot of wrong information about insurance on the internet, so we’re going to give you some proven techniques to slash your insurance rates.
Finding Car Insurance
Most companies provide prices for coverage on their websites. Obtaining pricing is pretty easy as you simply enter your required coverages as requested by the quote form. After you complete the form, the system sends out for information on your driving record and credit history and quotes a price. Being able to quote online simplifies rate comparisons, but the process of having to visit different websites and fill out multiple forms gets old quite quickly. But it’s absolutely necessary to get many rate quotes if you want to find the lowest car insurance rates.
The smarter way to lower your rates makes use of a single form that gets prices from several companies at one time. This type of form saves time, eliminates form submissions, and makes online quotes much simpler. After sending the form, it is quoted and you can choose any of the pricing results.
If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. The entire process takes just a few minutes to complete and you will find out if you’re overpaying now.
If you want to find out how much you can save on car insurance, click here and input your coverage information. To compare your current rates, we recommend you type in the limits and deductibles as close as possible to your current policy. Using the same limits helps guarantee you’re receiving a rate comparison based on identical coverages.
Factors determining your Honda Civic insurance premium
An important part of buying insurance is that you know the rating factors that go into determining the price you pay for insurance coverage. Having a good understanding of what determines base rates empowers consumers to make smart changes that may reward you with better insurance coverage rates.
Listed below are some of the factors used by your company to calculate rates.
- Sex matters – Statistics show that women are safer drivers than men. Now that doesn’t mean women are better drivers. Women and men are in accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations like DUI and reckless driving.
- Occupation reflects on rates – Occupations like lawyers, social workers and dentists tend to have the highest average rates attributed to high stress and lots of time spent at work. Other occupations like actors, historians and retirees receive lower rates for Civic coverage.
- One company can mean more discounts – Most companies will award you with lower prices to customers who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, you still need to compare other company rates to verify if the discount is saving money.
- Discounts for married couples – Getting married helps lower the price when buying insurance coverage. Having a spouse means you’re more responsible and statistics show married couples file fewer claims.
Companies offer discounts so take them!
Insurance can cost an arm and a leg, but discounts can save money and there are some available to reduce the price significantly. Certain discounts will be triggered automatically at the time you complete a quote, but a few need to be manually applied before they will apply.
- Homeowners Discount – Owning a home may trigger a insurance coverage policy discount because maintaining a house demonstrates responsibility.
- Save over 55 – Mature drivers may receive a discount up to 10% for Civic coverage.
- Driver Safety – Successfully completing a driver safety course can save you 5% or more if you qualify.
- Drive Safe and Save – Insureds without accidents can pay as much as 50% less for Civic coverage than drivers with accident claims.
- Driver’s Ed – Have your child complete a driver education course in school.
- Bundle and Save – When you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
- Discount for New Cars – Adding a new car to your policy can save up to 30% compared to insuring an older model.
- Club Memberships – Affiliation with a professional or civic organization could qualify you for a break when buying insurance coverage for Civic coverage.
- Sign Early and Save – A few companies offer discounts for signing up prior to your current policy expiration. It can save you around 10%.
- Military Discounts – Having a family member in the military could mean lower rates.
Consumers should know that some credits don’t apply to all coverage premiums. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think all the discounts add up to a free policy, you’re out of luck. But all discounts will cut the cost of coverage.
Companies that may offer these discounts may include but are not limited to:
It’s a good idea to ask each insurance company what discounts are available to you. Some discounts might not be offered in every state.
Do I just need basic coverages?
When it comes to choosing proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions might point out whether your personal situation would benefit from an agent’s advice.
- When can my company non-renew my policy?
- Does having multiple vehicles earn me a discount?
- Should I file a claim if it’s only slightly more than my deductible?
- What is the difference between comprehensive and collision coverage?
- What is high-risk coverage and where do I buy it?
- Do I get a pro-rated refund if I cancel my policy early?
If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier
Insurance policy coverages for a 1997 Honda Civic
Having a good grasp of your policy can help you determine the best coverages for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring. These are typical coverage types available from insurance companies.
This protects you from injuries or damage you cause to a person or their property. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.
Liability can pay for claims such as repair costs for stationary objects, medical expenses and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.
Uninsured and underinsured coverage
This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Honda Civic.
Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally these limits are set the same as your liablity limits.
Coverage for medical payments
Med pay and PIP coverage kick in for immediate expenses for funeral costs, nursing services, pain medications, surgery and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay
Comprehensive insurance will pay to fix 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 coverage protects against claims such as damage from a tornado or hurricane, hitting a bird and hail damage. The highest amount 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 probably time to drop comprehensive insurance.
Collision coverage protection
This covers damage to your Civic resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for claims such as driving through your garage door, rolling your car, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.
The best insurance company isn’t always the cheapest
Throughout this article, we presented many ways to compare 1997 Honda Civic insurance prices online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even discover the biggest savings come from the smaller companies. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as Progressive or GEICO.
Cost effective insurance can be purchased on the web and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.
As you shop your coverage around, it’s very important that you do not reduce needed coverages to save money. There have been many cases where drivers have reduced comprehensive coverage or liability limits and found out when filing a claim they didn’t purchase enough coverage. Your focus should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.
- Older Driver Statistics (Insurance Information Insitute)
- Comprehensive Coverage (Liberty Mutual)
- Cellphones, Texting and Driving (iihs.org)
- Top Signs Your Brakes are Giving Out (State Farm)
- How to Avoid Staged Accidents (State Farm)
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