1993 Honda Civic del Sol Insurance Rates – 9 Tips to Save

Want lower insurance coverage rates for your Honda Civic del Sol? Trying to find low-cost insurance for your Honda Civic del Sol could be a painful process, but you can follow a few tricks to make it easier.

There is a right way and a wrong way to buy insurance coverage and you need to know the best way to compare rates for a new or used Honda and find the cheapest rates.

It’s a great practice to shop coverage around periodically because insurance coverage prices tend to go up over time. If you had the lowest rate on Civic del Sol insurance a few years ago the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about insurance coverage because you’re about to find out the best way to eliminate unnecessary coverages and save money.

Affordable insurance quotes with discounts

Car insurance can cost a lot, but there could be available discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time of quoting, but occassionally some discounts must be asked for before being credited.

• Driver Safety – Successfully completing a course teaching driver safety skills can save you 5% or more and also improve your driving technique.
• Smart Student Discounts – Being a good student may save as much as 25% on a auto insurance quote. The discount lasts until age 25.
• Membership in Organizations – Affiliation with certain professional organizations is a good way to get lower rates on your next renewal.
• Multiple Vehicles – Buying insurance for several vehicles with one company can get a discount for every vehicle.
• Seat Belt Usage – Forcing all vehicle occupants to use a seat belt could cut 10% or more on medical payment and PIP coverage.
• Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
• Good Drivers – Safe drivers can get discounts for up to 45% lower rates on Civic del Sol insurance than less cautious drivers.
• Pay Early and Save – By paying your entire bill at once rather than paying monthly you could save up to 5%.
• Discount for Low Mileage – Maintaining low annual mileage can earn discounted rates on garaged vehicles.

It’s important to note that many deductions do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like liability and collision coverage. Despite the appearance that all those discounts means the company will pay you, it just doesn’t work that way.

A few of the larger companies and some of their more popular discounts are shown below.

• Geico policyholders can earn discounts including military active duty, anti-lock brakes, driver training, good student, daytime running lights, emergency military deployment, and seat belt use.
• SAFECO offers premium reductions for drive less, teen safe driver, homeowner, safe driver, and anti-lock brakes.
• State Farm may include discounts for anti-theft, defensive driving training, driver’s education, Steer Clear safe driver discount, and passive restraint.
• MetLife has savings for multi-policy, claim-free, defensive driver, accident-free, and good driver.
• 21st Century offers discounts including student driver, defensive driver, 55 and older, anti-lock brakes, theft prevention, teen driver, and good student.
• Progressive has discounts for continuous coverage, online quote discount, multi-policy, multi-vehicle, and good student.

When getting free auto insurance quotes, it’s a good idea to each company how you can save money. Some of the discounts discussed earlier might not be offered in every state.

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Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine whether your personal situation would benefit from professional advice.

• When can my company non-renew my policy?
• Do I need added coverage for expensive stereo equipment?
• When can I cancel my policy?
• How do I buy GAP insurance?
• When would I need additional glass coverage?
• How high should my uninsured/underinsured coverage be in my state?
• Is my Honda Civic del Sol covered if I use it for business?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Do insurance companies bend the truth?

Consumers can’t escape the ads for insurance savings from companies such as State Farm, Geico and Progressive. All the ads convey the message about savings just by moving your policy.

But how can every company charge you a lower premium? You have to listen carefully.

Companies have underwriting criteria for the type of customer that is profitable for them. An example of a profitable customer might be described as between the ages of 40 and 55, has no driving citations, and drives newer vehicles. Any person who matches that profile receive the lowest rate quotes and will most likely cut their rates if they switch.

Insureds who do not match the ideal profile may be forced to pay a more expensive rate which results in the driver buying from a lower-cost company. The ads state “drivers who switch” not “everyone that quotes” save that much money. That’s the way companies can advertise the way they do.

This really drives home the point why you need to get as many free auto insurance quotes as possible. It’s not possible to predict which insurance company will have the best prices at this point in time.

Car insurance specifics

Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. Car insurance terms can be confusing and coverage can change by endorsement.

Liability insurance

This can cover damage or injury you incur to other people or property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things such as attorney fees, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Comprehensive or Other Than Collision

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a bird, hitting a deer, damage from a tornado or hurricane, falling objects and damage from getting keyed. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

This will pay to fix damage to your Civic del Sol from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like driving through your garage door, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Honda Civic del Sol.

Since many 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 important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Medical costs insurance

Med pay and PIP coverage pay for bills like hospital visits, X-ray expenses and doctor visits. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

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Be a penny pincher

Drivers leave their current company for a number of reasons such as extreme rates for teen drivers, high rates after DUI convictions, denial of a claim or delays in paying claims. Whatever your reason, choosing a new insurance company can be easy and end up saving you some money.

When trying to cut insurance costs, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where an insured cut liability coverage limits only to find out that they should have had better coverage. Your aim should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

We covered many ways to get a better price on 1993 Honda Civic del Sol insurance. The key thing to remember is the more rate comparisons you have, the higher your chance of finding cheap auto insurance. You may be surprised to find that the biggest savings come from the smaller companies.

Additional information

• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Who Has the Cheapest Car Insurance for a Honda Civic in Nashville? (NashvilleInsure.com)
• How Much is Chandler Car Insurance for a Honda Civic? (ChandlerCoverage.com)
• Auto Insurance FAQ (Farmers Insurance)
• Collision Insurance Coverage (Nationwide)
• State Car Insurance Guides (Geico)
• Vehicle Insurance (Wikipedia)
• Uninsured Motorist Statistics (Insurance Information Insitute)

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