Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Aug 16, 2018

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Looking for cheaper auto insurance rates for your Honda Civic? Comparing car insurance quotes online probably sounds like a formidable task if you’ve never received online price quotes. But don’t be discouraged because online price shopping is actually quite simple.

You should take the time to get comparison quotes before your next renewal due to the fact that insurance rates change regularly. If you had the lowest premium rates for Civic coverage a year ago there is a good chance you can find better prices now. Forget all the misinformation about auto insurance because it’s time to teach you the tricks you need to know to save on auto insurance.

Learn how to get auto insurance for less

The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that are used to determine your auto insurance rates. If you understand what determines premiums, this enables informed choices that may reward you with lower auto insurance prices.

  • Safer occupants lowers premiums – Vehicles that have high safety ratings tend to have lower insurance rates. Vehicles built for safety result in less severe injuries and fewer injuries means less money paid by your insurance company and lower rates for you.
  • Bad credit hurts insurance costs – Your credit history can be an important factor in calculating your premium rate. Drivers who have very good credit scores tend to file fewer claims as compared to drivers with lower credit scores. If your credit history is lower than you’d like, you could pay less to insure your 1990 Honda Civic by spending a little time repairing your credit.
  • Guys pay higher costs – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. Women and men are responsible for auto accidents in similar numbers, but males cause more damage. Not only are claims higher, but men get higher numbers of serious violations like reckless driving and DUI. Male teenagers are most likely to cause an accident and thus pay the highest rates.
  • Accidents drive up rates – Having a single driving citation can increase rates by twenty percent. Drivers with clean records pay less for auto insurance than people who have multiple driving citations. Drivers who get serious violations like DUI or willful reckless driving may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to legally drive a vehicle.
  • Lower mileage equals lower premium – The more you drive your Honda in a year’s time the more it will cost to insure it. Almost all companies calculate rates based upon how the vehicle is primarily used. Autos that have low annual miles cost less to insure than vehicles that have high annual mileage. Having an incorrect usage rating on your Civic may be costing you. It’s a good idea to make sure your policy shows the right rating data, because improper ratings can cost you money.
  • Policy add-ons can waste money – Policies have extra coverages that you can get tricked into buying on your Civic policy. Insurance for roadside assistance, towing coverage, and motor club memberships are probably not needed. They may seem like a good idea when deciding what coverages you need, but if you don’t need them get rid of them and save.
  • Don’t skimp on liability insurance – The liability coverage on your policy kicks in when a jury decides you are liable for causing damage or personal injury in an accident. It will provide you with a defense in court which can cost a lot. This coverage is relatively inexpensive compared to other policy coverages, so drivers should carry high limits.

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Don’t overlook these insurance coverage discounts

Auto insurance companies don’t always publicize every possible discount very well, so the list below details some of the best known and the more hidden credits that may apply to you.

  • Telematics Data – Policyholders that allow driving data collection to analyze driving patterns by using a telematics device such as State Farm’s In-Drive might get better premium rates if they have good driving habits.
  • Discount for New Cars – Insuring a new car can save up to 30% because newer vehicles have to meet stringent safety requirements.
  • Driver Education Discount – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Braking Control Discount – Vehicles with ABS and/or traction control are much safer to drive and will save you 10% or more.
  • Organization Discounts – Joining certain professional organizations could trigger savings when getting a car insurance quote.
  • Accident Forgiveness Coverage – Not really a discount, but companies like Allstate and State Farm allow you one accident without getting socked with a rate hike as long as you don’t have any claims prior to being involved in the accident.
  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of 25 to 30%.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comp or med pay. Just because you may think you can get free auto insurance, nobody gets a free ride. But any discount will help lower the cost of coverage.

A few of the larger companies and a selection of discounts are:

  • Progressive policyholders can earn discounts including online signing, homeowner, continuous coverage, good student, multi-vehicle, and online quote discount.
  • AAA has savings for good student, multi-policy, multi-car, education and occupation, pay-in-full, good driver, and anti-theft.
  • Farmers Insurance includes discounts for good student, multi-car, mature driver, alternative fuel, electronic funds transfer, early shopping, and switch companies.
  • GEICO has discounts for multi-vehicle, driver training, seat belt use, air bags, daytime running lights, and military active duty.
  • Esurance may offer discounts for DriveSense, Pac-12 alumni, Switch & Save, safety device, anti-lock brakes, defensive driver, and multi-car.
  • SAFECO discounts include bundle discounts, anti-theft, accident prevention training, homeowner, multi-car, teen safety rewards, and anti-lock brakes.
  • State Farm may include discounts for Drive Safe & Save, good driver, driver’s education, passive restraint, and multiple autos.

When getting free car insurance quotes, it’s a good idea to all the companies to give you their best rates. All car insurance discounts might not be offered on policies in your state.

Save $490 a year! What?

Companies like Allstate and Progressive continually stream ads in print and on television. They all seem to convey the message that people will save if you switch your policy. But how can every company charge you a lower premium? It’s all in how they say it.

All the different companies give the cheapest rates for the right customer that makes them money. One example of a desirable risk may need to be a married female, has no prior claims, and the vehicle is rated for pleasure use. Any new insured that meets those criteria receives the best premium rates and will probably save a lot if they switch.

Drivers who are not a match for the “perfect” profile will be quoted higher prices and this can result in business going elsewhere. The ads say “customers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. This is how companies can truthfully claim big savings.

Each company has different criteria, so it is so important to compare many company’s car insurance rates. It’s just too difficult to predict which company will have the lowest rates.

When to get professional advice

When buying the right insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight if your situation might need an agent’s assistance.

  • Will filing a claim cost me more?
  • Exactly who is provided coverage by my policy?
  • How do I insure my teen driver?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my custom paint covered by insurance?
  • Does medical payments coverage apply to all occupants?
  • How can I get high-risk coverage after a DUI?
  • Am I covered when driving a rental car?

If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Educate yourself about auto insurance coverages

Learning about specific coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. Auto insurance terms can be confusing and coverage can change by endorsement.

Uninsured and underinsured coverage

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage protection

Collision insurance pays for damage to your Civic resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a building, hitting a parking meter, crashing into a ditch, damaging your car on a curb and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability insurance

Liability insurance provides protection from damage that occurs to other’s property or people in an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things such as repair bills for other people’s vehicles, bail bonds, attorney fees, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like falling objects, damage from a tornado or hurricane, hail damage and theft. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for expenses for things like ambulance fees, chiropractic care and hospital visits. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Final thoughts

You just learned many tips how you can lower your 1990 Honda Civic insurance prices. The key concept to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the lowest prices come from some of the lesser-known companies.

More affordable auto insurance is definitely available from both online companies in addition to local insurance agencies, so get free car insurance quotes from both of them to get a complete price analysis. Some insurance companies may not have price quotes online and many times these smaller companies only sell through independent insurance agencies.

When trying to cut insurance costs, never reduce needed coverages to save money. In many instances, someone sacrificed liability coverage limits and found out when filing a claim that the savings was not a smart move. The aim is to purchase plenty of coverage at the best possible price, not the least amount of coverage.

Additional auto insurance information is available below: