Cheapest 2003 Honda Civic Insurance Rates in 2023
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UPDATED: Nov 24, 2021
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Expensive insurance coverage can drain your savings account, especially in this economy. Shopping your coverage around is free, only takes a few minutes, and is a good way to tighten up your finances. Drivers have multiple auto insurance companies to purchase coverage from, and though it is a good thing to have a choice, it can be more challenging to find the lowest rates.
It’s a great practice to check insurance coverage prices at least once a year because prices go up and down regularly. Despite the fact that you may have had the best deal on Civic coverage a year ago there is a good chance you can find better rates now. You’ll find quite a bit of inaccurate information about insurance coverage on the web, but we’re going to give you a bunch of ideas how to save money.
This information will let you in on how car insurance quotes work and some tips to save money. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these techniques. Drivers just need to know the best way to get comparison quotes online.
Free Quotes for Car Insurance
Most major insurance companies give price estimates online. Obtaining pricing is fairly simple as you simply type in the coverages you want as detailed in the form. Once entered, the company’s rating system collects your credit score and driving record and generates pricing information determined by many factors. This streamlines rate comparisons, but having to visit different websites and complete many quote forms can be a bit repetitive. But it’s absolutely necessary to perform this step if you are searching for lower prices.
The preferred way to lower your rates utilizes a single form to obtain quotes from a bunch of companies at once. This type of form saves time, helps eliminate reptitive entry, and makes quoting online much easier to do. After sending the form, it is quoted and you can choose any one of the resulting price quotes.
If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. The entire process only takes a few minutes and you will know how your current rates stack up.
In order to compare rates now, click here to open in a new tab and complete the simple form. If you have coverage now, it’s recommended you replicate the coverages identical to your current policy. This makes sure you’re receiving rate comparison quotes for exact coverage.
Discounts are great for lower rates
Insuring your vehicles can cost a lot, but companies offer discounts that can drop the cost substantially. Certain discounts will be triggered automatically at quote time, but lesser-known reductions have to be manually applied prior to getting the savings. If you’re not getting every credit you qualify for, you’re just leaving money on the table.
- Discount for Good Grades – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
- Accident Waiver – A handful of insurance companies allow you one accident before raising your premiums as long as you don’t have any claims for a certain period of time.
- Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
- Clubs and Organizations – Being a member of a professional or civic organization could trigger savings on your policy on Civic coverage.
- Claim Free – Good drivers with no accidents pay much less when compared with drivers who are more careless.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
- Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
- Driver Safety – Completing a defensive driving course could save 5% or more depending on where you live.
Consumers should know that most discount credits are not given to the overall cost of the policy. Most only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky. Any qualifying discounts will help reduce your premiums.
You may need specialized coverage
When it comes to buying proper insurance coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions can help discover whether your personal situation might need professional guidance.
- What is covered by UM/UIM coverage?
- Is there coverage for injuries to my pets?
- Why is insurance for a teen driver so high?
- Does having multiple vehicles earn me a discount?
- When should I not file a claim?
- Where can I get insurance after a DUI in my state?
- Are all vehicle passengers covered by medical payments coverage?
- Are my friends covered when driving my 2003 Honda Civic?
- Do I benefit by insuring my home with the same company?
- Do I have coverage for damage caused while driving under the influence?
If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form to select a carrier. It’s fast, free and can provide invaluable advice.
Having a good grasp of a insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average insurance policy.
Auto liability insurance
Liability coverage will cover damage that occurs to people or other property in an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.
Liability insurance covers things like legal defense fees, medical services and repair costs for stationary objects. How much liability should you purchase? That is your choice, but buy higher limits if possible.
This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for things such as fire damage, damage from a tornado or hurricane and hitting a deer. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Medical expense coverage
Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like chiropractic care, X-ray expenses, doctor visits, hospital visits and prosthetic devices. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
This coverage pays for damage to your Civic resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as hitting a mailbox, colliding with a tree, crashing into a building and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.
Uninsured or underinsured coverage
This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.
Affordable insurance is out there
The cheapest 2003 Honda Civic insurance is available from both online companies in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance coverage companies do not provide online quoting and most of the time these regional insurance providers sell through independent agents.
When buying insurance coverage, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where someone dropped full coverage only to regret at claim time that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.
We covered some good ideas how to reduce insurance prices online. The key thing to remember is the more you quote, the higher your chance of finding lower rates. Consumers could even find that the best price on insurance coverage is with a lesser-known regional company. Some small companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate or State Farm.
Even more information is available in the articles below:
- Preventing Carjacking and Theft (Insurance Information Insitute)
- Child Safety Seats (Insurance Information Insitute)
- Prom Night Tips for Teen Drivers (State Farm)
- Smart Auto Insurance Tips (Insurance Information Insitute)
- Should I Buy a New or Used Car? (Allstate)
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