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 21, 2018

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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Baffled by the number of car insurance providers that you can choose from? consumers have so many providers available that it is a real difficult job to find the best prices.

Consumers should take time to compare premium rates yearly since insurance rates go up and down regularly. Even if you think you had the best rate on Civic coverage two years ago you can probably find a better price now. You can find a lot of information about car insurance online, but in this article, you’re going to get a lot of great tips on how to save money.

This information will teach you how to get online quotes and some money-saving tips. If you are paying for car insurance now, you will most likely be able to cut costs considerably using this strategy. Nevertheless, car owners benefit from understanding how big insurance companies market on the web and take advantage of how the system works.

How to buy auto insurance online

There are multiple methods to compare auto insurance quotes, but there is one way that is less labor-intensive and much quicker. You can waste hours driving to local insurance agents in your area, or you can utilize online quotes to maximize your effort.

Most of the best insurance companies enroll in a system that allows shoppers to enter their policy data once, and at least one company returns a rated price based on the submitted data. This eliminates the need for repetitive form submissions to each individual auto insurance company.

To get comparison pricing now click to open in new window.

The one downside to getting quotes like this is buyers cannot specifically choose which providers to get pricing from. So if you prefer to choose individual companies for rate comparison, we have a listing of companies who write auto insurance in your area. View list of insurance companies.

Whichever method you choose, make sure you use exactly the same coverage data for every company. If your comparisons have higher or lower deductibles it’s not possible to determine the lowest rate for your Honda Civic. Slightly different coverages could throw off the whole comparison. Keep in mind that getting more free quotes helps improve the odds of finding a lower rate. Some regional insurers cannot provide prices over the internet, so it’s necessary to compare price estimates from those companies as well.

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

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Double check you’re getting with these seven discounts

Not too many consumers would say insurance coverage is affordable, but you might be missing out on some discounts to help bring down the price. Most are applied when you purchase, but occassionally some discounts must be asked about prior to receiving the credit. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Theft Prevention Discount – Vehicles optioned with advanced anti-theft systems can help prevent theft and can earn a small discount on your policy.
  • Distant College Student Discount – living away from home attending college and leave their car at home could qualify for this discount.
  • Auto/Life Discount – Larger companies have a discounted insurance coverage rate on car insurance if you buy some life insurance too.
  • Active Military Service – Being on active duty in the military could mean lower prices.
  • Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may get savings of more than 20%.
  • Multi-policy Discount – If you combine your auto and homeowners policies and insure them with the same company you could earn a discount of approximately 10% to 15%.
  • Mature Driver Discount – Drivers over the age of 55 could receive reduced rates on Civic coverage.

One thing to note about discounts is that most discounts do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as comprehensive or collision. Just because it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A list of insurance coverage companies and their offered discounts are shown below.

  • State Farm may include discounts for driver’s education, safe vehicle, accident-free, Drive Safe & Save, anti-theft, passive restraint, and multiple policy.
  • Esurance offers discounts for Switch & Save, DriveSense, claim free, good driver, and safety device.
  • Progressive includes discounts for online signing, good student, multi-vehicle, homeowner, and continuous coverage.
  • Liberty Mutual offers premium reductions for safety features, newly retired, exclusive group savings, new vehicle discount, newly married, multi-car, and new graduate.
  • Auto-Owners Insurance discounts include company car, safe vehicle, multiple vehicles, air bags, anti-lock brakes, and good student.
  • GEICO has discounts for multi-vehicle, membership and employees, five-year accident-free, seat belt use, federal employee, and daytime running lights.

If you need lower rates, check with each company to give you their best rates. Discounts may not apply to policies everywhere. To see companies that provide some of the discounts listed above, follow this link.

Your situation helps dictate your coverage

When buying adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

For example, these questions could help you determine whether your personal situation could use an agent’s help.

  • Why am I required to get a high-risk car insurance policy?
  • Do I have coverage for damage caused while driving under the influence?
  • Should I buy only the required minimum liability coverage?
  • What is high-risk coverage and where do I buy it?
  • Does my policy cover my teen driver if they drive my company car?
  • Can I rent a car in Mexico?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form.

Specifics of your car insurance policy

Having a good grasp of your policy can help you determine the best coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like hospital visits, EMT expenses, ambulance fees, nursing services and pain medications. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 1993 Honda Civic.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage protection

Collision insurance will pay to fix damage to your Civic from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a building, backing into a parked car, scraping a guard rail, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive insurance

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

Comprehensive coverage protects against things such as damage from getting keyed, damage from a tornado or hurricane, fire damage and hail damage. The most your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages

Liability coverage can cover damage that occurs to other people or property that is your fault. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like emergency aid, loss of income, pain and suffering and medical services. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

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

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In conclusion

We just covered some good ideas how you can shop for 1993 Honda Civic insurance online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Consumers could even find that the lowest rates come from some of the smallest insurance companies.

People leave their current company for many reasons like high rates after DUI convictions, policy non-renewal, poor customer service or an unsatisfactory settlement offer. It doesn’t matter what your reason, switching insurance coverage companies is pretty simple and you could end up saving a buck or two.

When trying to cut insurance costs, never skimp on coverage in order to save money. In too many instances, someone sacrificed physical damage coverage to discover at claim time that they should have had better coverage. The aim is to buy enough coverage at the best price, but do not sacrifice coverage to save money.

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