Cheapest 2002 Honda Civic Insurance Rates in 2023
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UPDATED: May 23, 2022
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Expensive car insurance can overdraw your bank account and put a big crunch on your finances. Comparison shopping is free and is an excellent way to make sure you’re not throwing money away for 2002 Honda Civic Insurance Quotes. With so many options, it can be hard to find the most cost-effective insurance company.
It’s a good idea to compare rates at least once a year since insurance rates fluctuate regularly. Despite the fact that you may have had the best deal for Civic coverage a couple of years back, you can probably find a better price now. There is a lot of wrong information about car insurance online, but we’re going to give you some great ways to stop overpaying for insurance.
The purpose of this article is to let you in on the best way to quote coverage and some tricks to saving. If you currently have car insurance, you should be able to save some money using these tips. Vehicle owners just need to understand how to buy auto insurance on the internet.
Cut your premium with these six discounts
Insuring your vehicles can cost a lot, but you can get discounts that you may not know about. Certain discounts will be triggered automatically at quote time, but a few must be specifically requested before you will receive the discount. If they aren’t giving you every credit available, you are paying more than you should be.
- Passive Restraint Discount – Factory air bags or motorized seat belts may earn rate discounts up to 30%.
- Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
- Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
- Early Signing – Some companies give discounts for switching to them prior to your current policy expiring. This can save 10% or more.
- Homeowners Pay Less – Owning a house may earn you a small savings because having a home demonstrates responsibility.
- Drive Safe and Save – Drivers who avoid accidents may receive a discount of up to 45% less for Civic coverage than drivers with accident claims.
As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most only reduce the cost of specific coverage such as physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky. But any discount will bring down your overall premium, however.
A partial list of companies that may have these benefits are:
- Auto-Owners Insurance
- American Family
- State Farm
It’s a good idea to ask all companies you are considering how you can save money. Some discounts might not be offered in every state.
Finding 2002 Honda Civic Insurance Quotes
Finding cheaper 2002 Honda Civic insurance prices is not a difficult process. You just need to invest a little time in getting quotes online from multiple companies. It is quite easy and can be accomplished in several ways.
- The recommended way consumers can make multiple comparisons is to use a rate comparison form. This method keeps you from getting a different quote from every car insurance company. One form submission gets you coverage quotes direct from many companies.
- A more time-consuming way to get comparison quotes consists of going to the website for each individual company to request a price quote. For examples sake, we’ll assume you want rates from Farmers, Progressive and Liberty Mutual. To get rate quotes, you would need to go to every website and enter your information, which is why most consumers use the first method.
It’s your choice how you get your quotes, but make darn sure you compare exactly the same coverages for every company. If you compare different limits and deductibles on each one then you won’t be able to decipher which rate is best.
What is the best insurance coverage?
When it comes to buying the best car insurance coverage, there is no perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that could help you determine whether your personal situation could use an agent’s help.
- Why do I need rental car insurance?
- What can I do if my company denies a claim?
- Can I still get insurance after a DUI?
- Is my 2002 Honda Civic covered for flood damage?
- Am I covered when delivering products for my home-based business?
- I have health insurance, so do I need medical payment’s coverage?
- Does my personal policy cover me when driving out-of-state?
- Can my teen driver be rated as a liability-only vehicle?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent.
Auto insurance 101
Learning about the specific coverage of your insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. This is the usual coverage offered by insurance companies.
Auto liability insurance – Liability insurance provides protection from injuries or damage you cause to other’s property or people. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25. That means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL, which combines the three limits into one amount without having the split limit caps.
Liability can pay for claims such as medical expenses, pain and suffering, loss of income, structural damage and medical services. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.
Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for things like vandalism, hail damage, hitting a deer and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Collision coverages – Collision coverage pays for damage to your Civic caused by a collision with another car or object. You will need to pay your deductible, then the remaining damage will be paid by your insurance company.
Collision can pay for things like sustaining damage from a pothole, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.
Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Honda Civic.
Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually, the UM/UIM limits do not exceed the liability coverage limits.
Medical expense insurance – Personal Injury Protection (PIP) and medical payment’s coverage pay for bills for things like ambulance fees, nursing services and surgery. The coverage can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payment’s coverage.
A fool and his money are soon parted
Discount 2002 Honda Civic insurance is available from both online companies and also from your neighborhood agents, and you should compare price quotes from both, so you have a total pricing picture. Some insurance companies may not provide the ability to get a quote online and these smaller companies work with independent agents.
We just showed you some good ideas about how you can save on insurance. The key thing to remember is the more times you quote, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from a smaller regional carrier. Smaller companies may have significantly lower rates on certain market segments than their larger competitors like GEICO and State Farm.
When trying to cut insurance costs, make sure you don’t skimp on coverage in order to save money. There are many occasions where an insured person cuts full coverage and discovers at claim time that a couple of dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find for the lowest price while not skimping on critical coverage.
To start shopping for 2002 Honda Civic insurance rates, enter your ZIP code in our free tool below to find the best 2002 Honda Civic price in your area.
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What are the safety ratings of the 2002 Honda Civic?
Is a 2002 Honda Civic a good car? 2002 Honda Civic safety ratings and features are important to insurers when they calculate rates. The 2002 Honda Civic is a little outdated in safety features as it lacks features like back-up cameras, although it has all the standard air bags.
The Insurance Institute for Highway Safety (IIHS) has also only done a moderate overlap front crash test on the 2002 Honda Civic (normally six different crash tests are performed). However, the moderate overlap front crash test did earn a good rating, which is the highest rating possible.
2002 Honda Civic Compared Against Other Vehicles in the Same Class
The 2002 Honda Civic is a small car. According to the IIHS, the Honda Civic’s liability losses are average, which means the 2002 Honda Civic will have average rates. To see how the 2002 Honda Civic’s rates compare to other small cars’ rates, view the vehicles below.
2002 Honda Civic Insurance Quotes: The Bottom Line
It’s a good practice to compare rates at least every year, since insurance rates change frequently. Even though you may have had the lowest rate for 2002 Honda Civic insurance a few years ago, you can probably get a better rate now.
Start comparison shopping for the best 2002 Honda Civic insurance costs in your area today by entering your ZIP code in our free tool.
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