Cheapest 2001 Honda Civic Insurance Rates in 2023
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UPDATED: Nov 24, 2021
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Searching for low-cost insurance for your Honda Civic can turn out to be a painful process, but you can learn a few tricks to find lower rates.
There are more efficient ways to shop for insurance so we’re going to tell you the quickest way to compare rates for a new or used Honda and find the lowest possible price from both online companies and local agents.
You need to compare rates every six months because prices fluctuate regularly. Just because you had the best price for Civic insurance two years ago the chances are good that you can find a lower rate today. There is a lot of wrong information about insurance on the web, but we’re going to give you some excellent ideas to reduce your insurance bill.
How to Get Insurance Comparison Quotes
Performing a rate comparison is a ton of work if you aren’t aware of the most efficient way. You can spend countless hours driving to insurance companies in your area, or you could use online quoting to accomplish the same thing much quicker.
All the larger companies take part in a program where prospective buyers only type in their quote data once, and at least one company then gives them pricing based on that information. This eliminates the need for quote forms for every insurance company.
To enter your information into the quoting system, click here (opens in new window).
The single downside to using this type of form is you don’t know exactly which companies you want pricing from. If you prefer to choose individual companies to compare rates, we have assembled a list of low cost insurance companies in your area.
It doesn’t matter which method you choose, just make absolute certain that you use the exact same deductibles and coverage limits on every quote. If you compare different limits and deductibles on each one it’s not possible to find the best deal for your Honda Civic.
You are unique and your insurance coverage should be too
When it comes to buying adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different.
For example, these questions could help you determine whether or not you would benefit from an agent’s advice.
- When should my teen driver be added to my policy?
- Does my personal policy cover me when driving out-of-state?
- Am I covered if hit by an uninsured driver?
- I have good health insurance, so how much medical payments coverage do I need?
- Am I covered if my car is in a flood?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Am I covered when pulling a rental trailer?
- Does medical payments coverage apply to all occupants?
- Am I covered when driving a rental car?
- Should I carry comprehensive and collision coverage?
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.
Auto insurance coverages 101
Learning about specific coverages of your auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.
Uninsured and underinsured coverage
This gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Honda Civic.
Since a lot of drivers 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 important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.
Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things such as a tree branch falling on your vehicle, hitting a bird, falling objects and hail damage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers claims such as colliding with a tree, hitting a mailbox, colliding with another moving vehicle, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.
Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.
Liability can pay for things such as structural damage, repair costs for stationary objects, emergency aid, legal defense fees and court costs. How much liability should you purchase? That is up to you, but buy as large an amount as possible.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance pay for immediate expenses such as dental work, prosthetic devices, X-ray expenses, EMT expenses and chiropractic care. They are used in conjunction with a health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
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