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: Mar 28, 2018

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Want lower insurance coverage rates for your Honda Civic? If you’re looking for more affordable insurance, do you get frustrated by the crazy number of insurance coverage providers that you can choose from? Lot’s of other drivers are too. You have so many providers to choose from that it can really be a lot of work to find the lowest price.

If you are paying for car insurance now, you will be able to save some money using these techniques. Pricing cheaper car insurance coverage is not that difficult. But car owners should learn the way companies price insurance differently and apply this information to your search.

Take advantage of every car insurance discount

Companies offering auto insurance don’t always list the entire discount list very well, so the list below gives a summary of both the well known and the harder-to-find credits available to lower your premiums when you buy insurance online. If you’re not getting every credit you deserve, you may be paying too high a price.

  • Telematics Data – Insureds who allow driving data collection to track when and where they use their vehicle by installing a telematics device such as State Farm’s In-Drive could see a rate decrease if they are good drivers.
  • Good Grades Discount – This discount can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
  • New Car Discount – Buying a new car instead of a used car can save up to 30% since new model year vehicles have better safety ratings.
  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance.
  • Discount for Home Ownership – Just owning your own home can earn you a little savings since home ownership is proof of financial responsibility.
  • Military Deployment Discount – Being deployed with a military unit could trigger a small discount.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
  • Accident-Free Discounts – Insureds with no claims or accidents pay much less in comparison with frequent claim filers.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Honda can qualify you for cheaper premium rates.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. Any qualifying discounts will positively reduce your policy cost.

A list of car insurance companies and a summarized list of policyholder discounts are included below.

  • Progressive discounts include good student, multi-vehicle, homeowner, online quote discount, and online signing.
  • Farmers Insurance includes discounts for alternative fuel, youthful driver, early shopping, electronic funds transfer, pay in full, and homeowner.
  • Farm Bureau offers premium reductions for safe driver, multi-vehicle, youthful driver, renewal discount, good student, and driver training.
  • State Farm may have discounts that include driver’s education, student away at school, multiple policy, multiple autos, Drive Safe & Save, defensive driving training, and good driver.
  • GEICO offers discounts for anti-theft, seat belt use, emergency military deployment, good student, multi-policy, and military active duty.
  • SAFECO has savings for drive less, teen safe driver, safe driver, accident prevention training, homeowner, multi-car, and teen safety rewards.
  • Liberty Mutual has discounts for preferred payment discount, new move discount, newly retired, hybrid vehicle, teen driver discount, new graduate, and new vehicle discount.

Before you buy a policy, ask every insurance company which discounts you qualify for. Some discounts might not be offered everywhere. For a list of car insurance companies that offer some of these discounts, follow this link.

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

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How to buy car insurance online

When shopping for affordable insurance quotes, there are a couple of ways of comparing price quotes from all the different companies. The easiest way to compare 1994 Honda Civic insurance prices is to perform an online rate comparison. This can be accomplished using a couple different methods.

  1. The most efficient way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This method keeps you from doing separate quotation requests for every company. In just a few minutes this one form will return price quotes from multiple companies. It’s the fastest way to compare.
  2. A slightly less efficient method to compare prices is to take the time to go to each company website and repeat the quote process again and again. For instance, we’ll assume you want comparison quotes from Liberty Mutual, Safeco and Allstate. You would be required to go to each individual site and repeatedly enter your information, which is not fast way to get rate quotes. For a handy list of car insurance company links in your area, click here.
  3. The hardest method to price shop rates is to drive around to insurance agencies in your area. Doing it all online eliminates this option unless your situation requires the professional guidance of a local agency. Although, it is possible comparison shop your insurance online but buy from a local insurance agent.

Which method you use is up to you, but be sure to compare identical coverages and limits on every quote you get. If your comparisons have mixed coverages it will be nearly impossible to determine the best price for your Honda Civic. Just a small difference in limits may cause a big price difference. Just remember that comparing all the rates in your area helps improve the odds of finding better pricing.

How to know if you need help

When it comes to buying the right insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different.

For instance, these questions can help discover whether your personal situation may require specific advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • Is a blown tire covered by insurance?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • When should I not file a claim?
  • Am I better off with higher deductibles on my 1994 Honda Civic?
  • Do I have any recourse if my insurance company denies a claim?
  • What can I do if my company denied a claim?
  • Is my custom paint covered by insurance?
  • Does car insurance cover theft of personal property?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverages

Having a good grasp of your car insurance policy can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be confusing and coverage can change by endorsement.

Collision – This will pay to fix damage to your Civic resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a mailbox, backing into a parked car, colliding with a tree and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like rehabilitation expenses, EMT expenses, X-ray expenses, chiropractic care and dental work. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Honda Civic.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability coverages – This provides protection from damage or injury you incur to people or other property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for things such as medical expenses, legal defense fees, emergency aid, funeral expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Comprehensive protection – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, theft, a broken windshield and falling objects. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

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

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One last thing about your coverage

Drivers who switch companies do it for many reasons like denial of a claim, lack of trust in their agent, delays in paying claims and even an unsatisfactory settlement offer. No matter why you want to switch, switching companies can be easy and end up saving you some money.

There are still a few companies who do not offer price quotes online and usually these small insurance companies only sell coverage through local independent agents. Lower-priced 1994 Honda Civic insurance can be sourced from both online companies and from local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from.

As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped uninsured motorist or liability limits to discover at claim time that it was a big error on their part. Your goal is to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.

To learn more, link through to the resources below: