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: Oct 9, 2018

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Finding cheap Driverscar insurance can be hard for drivers who are new to comparison shopping online. You have so many choices that it can quickly become a ton of work to locate the lowest price.

Smart consumers take time to compare rates on a regular basis since insurance rates go up and down regularly. Even if you think you had the best rate for Civic coverage on your last policy you can probably find a better price now. Ignore everything you know about car insurance because you’re about to learn one of the best ways to properly buy coverages and cut your premium.

If you currently have car insurance, you will most likely be able to save some money using these techniques. Finding more affordable insurance is simple if you know the tricks. But consumers must understand the way companies market on the web and take advantage of how the system works.

How to shop auto insurance online

To find cheap rates, there are a couple of ways to compare rate quotes from all the different companies. The best way to find the cheapest 1992 Honda Civic insurance rates is to get quotes online. This can be accomplished using a couple different methods.

Experts agree that the best way consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This style of form keeps you from doing a different quote for every company. One form gets rate comparisons direct from many companies. This is by far the quickest method.

A less efficient way to get quotes online requires you to visit each individual company website to complete a price quote. For sake of this example, we’ll pretend you want comparison quotes from State Farm, GEICO and Farmers. In order to compare rates, you need to go to every website and repeatedly type in your coverage information, which can be really labor intensive. For a list of companies in your area, click here.

How you compare quotes is your choice, just do your best to use exactly the same information on every price quote you get. If you enter different deductibles it will be very difficult to make a fair rate comparison. Even a minor difference in limits can result in a big premium difference. And when quoting auto insurance, remember that comparing more company’s prices will improve the odds of getting better pricing.

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

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Get affordable insurance with discounts

Insurance is not cheap nor is it fun to buy but there could be significant discounts that you may not even know about. Most are applied when you purchase, but a few must be asked for before you will receive the discount.

  • Full Payment Discount – By paying your policy upfront instead of monthly or quarterly installments you can avoid the installment charge.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save up to 15% off PIP or medical payments premium.
  • Drive Safe and Save – Accident-free drivers may save up to 50% more for Civic coverage than drivers with accidents.
  • E-sign Discounts – Some companies will give a small break for buying a policy and signing up on the web.
  • Good Students Pay Less – Maintaining excellent grades can earn a discount of 20% or more. You can use this discount normally until age 25.
  • Safety Course Discount – Completing a course teaching driver safety skills could save 5% or more and easily pay for the cost of the class.
  • Homeowners Pay Less – Owning a home can save a few bucks because owning a home is proof that your finances are in order.
  • Accident Waiver – This one is not really a discount per se, but a handful of insurance companies allow you one accident before your rates go up so long as you haven’t had any claims for a set time period.
  • Senior Citizen Rates – Older drivers may receive a discount up to 10% for Civic coverage.
  • Theft Prevention Discount – Vehicles optioned with advanced anti-theft systems help deter theft so companies will give you a small discount.

Just know that most credits do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as comp or med pay. Despite the fact that it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

A list of companies and some of the discounts can be read below.

  • Mercury Insurance offers discounts including good driver, age of vehicle, ease of repair, anti-theft, annual mileage, and location of vehicle.
  • Farmers Insurance offers discounts for mature driver, alternative fuel, homeowner, switch companies, pay in full, youthful driver, and business and professional.
  • Farm Bureau includes discounts for safe driver, driver training, multi-policy, good student, youthful driver, and renewal discount.
  • State Farm has savings for passive restraint, good driver, Drive Safe & Save, good student, multiple autos, and driver’s education.
  • Allstate may offer discounts for defensive driver, FullPay discount, resident student, EZ pay plan discount, auto/life discount, 55 and retired, and anti-lock brakes.
  • GEICO has discounts for air bags, anti-theft, multi-vehicle, seat belt use, anti-lock brakes, and emergency military deployment.

When comparing rates, check with each company or agent what discounts are available to you. Some of the earlier mentioned discounts may not be available everywhere. To view insurance companies with the best insurance discounts, click here.

Tailor your auto insurance coverage to you

When choosing coverage, there really is no best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining if your situation will benefit from professional help.

  • Do I have newly-aquired coverage?
  • Do I need motorclub coverage?
  • Do I need special endorsements for business use of my vehicle?
  • If my 1992 Honda Civic is totaled, can I afford another vehicle?
  • When should I drop full coverage on my 1992 Honda Civic?
  • Do I need medical payments coverage since I have good health insurance?
  • If my pet gets injured in an accident are they covered?
  • What companies insure drivers after a DUI or DWI?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form.

Honda Civic insurance rate factors

The best way to find cheaper car insurance is to take a look at some of the factors that play a part in calculating your premiums. If you understand what positively or negatively impacts your premiums, this helps enable you to make changes that could result in cheaper rates.

  • Being married brings a discount – Having a wife or husband can get you a discount when shopping for car insurance. It generally demonstrates drivers are less irresponsible and it’s proven that married drivers get in fewer accidents.
  • Accidents can be expensive – Being a careful driver has a lot to do with how much you pay for insurance. Even one ticket may increase your cost to the point where it’s not affordable. Drivers with clean records tend to pay less for car insurance as compared to careless drivers. Drivers who get flagrant violations such as DUI or willful reckless driving may find that they have to to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
  • No policy lapses lowers car insurance rates – Driving without insurance is illegal and you may have a hard time finding new coverage because you let your coverage lapse. In addition to paying higher rates, being ticketed for driving with no insurance can result in a revoked license or a big fine.
  • When should you not file a policy claims? – Companies provide the best rates to insureds that do not abuse their auto insurance. If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Your insurance policy is intended for claims that pose a financial burden.
  • How much liability insurance do you need? – Your car insurance policy’s liability coverage provides coverage if you are found to be at fault for causing personal injury or damage in an accident. Your liability coverage provides you with a defense in court to attempt to prove you were not liable. Liability insurance is pretty cheap compared to physical damage coverage, so do not skimp.
  • Does your employer raise your car insurance rates? – Did you know your occupation can influence how much you pay for car insurance? Occupational choices like military personnel, business owners and emergency personnel have the highest average rates due to job stress and incredibly demanding work hours. On the flip side, careers such as actors, engineers and performers get better rates for Civic coverage.

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

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Can you really save $479 a year?

Big name companies like State Farm, Allstate and GEICO regularly use television and radio advertisements. All the companies state the claim about saving some big amount just by moving your policy. How does every insurance company sell you cheaper insurance coverage? It’s all in the wording.

Insurance companies give the cheapest rates for the type of driver they prefer to insure. For example, a desirable risk should be over the age of 40, has no tickets, and drives a lower-performance vehicle. Any person that matches those criteria will get very good prices and will probably save a lot of money.

Drivers who fall outside those standards will probably be forced to pay higher premium rates and this results in the driver buying from a lower-cost company. The ads state “drivers who switch” but not “everyone who gets a quote” save that kind of money. That’s the way companies can truthfully make claims that they all have the best car insurance rates.

This illustrates why you really need to get price quotes at each policy renewal. It’s impossible to know the company that will have the lowest rates.

Coverage specifics

Understanding the coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as dental work, funeral costs and X-ray expenses. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive insurance

This covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as falling objects, hitting a deer, fire damage, vandalism and hitting a bird. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for liability

Liability coverage protects you from damage that occurs to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims such as repair bills for other people’s vehicles, court costs, loss of income and funeral expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

This pays for damage to your Civic from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a building, rolling your car, sideswiping another vehicle, hitting a mailbox and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also increase the deductible to bring the cost down.

Saving money is sweet as honey

In this article, we presented a lot of techniques to reduce 1992 Honda Civic insurance rates online. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from the least-expected company.

When shopping online for auto insurance, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where consumers will sacrifice full coverage and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage at an affordable rate but still have enough coverage for asset protection.

Some auto insurance companies may not have rates over the internet and usually these smaller providers prefer to sell through independent agents. Lower-priced auto insurance is available from both online companies and with local insurance agents, so you need to compare both in order to have the best chance of saving money.

Much more information about auto insurance is located at the links below