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: Apr 1, 2018

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Searching for cheaper insurance coverage rates for your Honda Civic? No one likes buying insurance coverage, especially when they are aware that they are paying too much.

There is such a variety of auto insurance companies to pick from, and even though it’s nice to have a choice, it makes it harder to find a good deal.

It’s a good idea to shop coverage around quite often because prices change quite often. Even if you got the best quotes for Civic coverage at your last renewal there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance coverage because it’s time to teach you the easiest way to find lower rates on insurance coverage.

This information will introduce you to 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 lower your premiums substantially using these methods. But drivers can benefit by having an understanding of how big insurance companies market on the web.

Lower-cost car insurance quotes with discounts

Some insurers don’t list every discount they offer in a way that’s easy to find, so we researched a few of the more well known and also the more inconspicuous credits available to you.

  • Auto/Life Discount – Insurance carriers who offer life insurance give a small discount if you purchase a life insurance policy as well.
  • Early Payment Discounts – By making one initial payment as opposed to paying monthly you may have a lower total premium amount.
  • Discount for Swiching Early – Some larger companies give discounts for switching to them before your current coverage expires. You could save around 10% when you buy insurance coverage online.
  • Accident Free – Good drivers with no accidents pay much less when compared with bad drivers.
  • Theft Deterent – Cars, trucks, and SUVs with anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
  • Safe Drivers – Insureds who avoid accidents may receive a discount up to 45% for Civic coverage compared to rates paid by drivers with frequent claims.
  • Good Student Discount – Getting good grades could provide a savings of up to 20% or more. The discount lasts until age 25.
  • College Student – College-age children who attend college more than 100 miles from home and won’t have access to an insured vehicle may qualify for this discount.
  • Discount for Passive Restraints – Vehicles equipped with air bags can get savings of 25 to 30%.
  • ABS Brakes – Vehicles with ABS and/or traction control can stop better under adverse conditions and qualify for as much as a 10% discount.

As a disclaimer on discounts, some credits don’t apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as medical payments or collision. So even though you would think you can get free auto insurance, it doesn’t quite work that way.

Popular car insurance companies and some of their more popular discounts are outlined below.

  • The Hartford may offer discounts for bundle, driver training, vehicle fuel type, anti-theft, and good student.
  • American Family has savings for early bird, air bags, bundled insurance, defensive driver, and accident-free.
  • Progressive includes discounts for online signing, multi-policy, continuous coverage, homeowner, multi-vehicle, good student, and online quote discount.
  • Travelers may include discounts for hybrid/electric vehicle, payment discounts, multi-car, new car, and multi-policy.
  • Farmers Insurance offers premium reductions for pay in full, teen driver, switch companies, multi-car, mature driver, distant student, and early shopping.
  • USAA offers discounts for family discount, annual mileage, vehicle storage, safe driver, new vehicle, multi-vehicle, and defensive driver.
  • Liberty Mutual has discounts for newly married, exclusive group savings, new graduate, newly retired, and new move discount.

Before you buy a policy, ask every prospective company to apply every possible discount. Some of the earlier mentioned discounts may not be offered in your area. To find insurance companies that offer some of these discounts, click here.

The method we recommend to compare car insurance company rates utilizes the fact auto insurance companies will pay a fee to provide you with free rate quotes. The only thing you need to do is provide information like how your vehicles are used, distance driven, whether you are single or married, and deductibles desired. The rating information is instantly provided to insurance carriers in your area and you will get price comparisons immediately.

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

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Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage, there isn’t really a one size fits all plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether or not you could use an agent’s help.

  • Do I need an umbrella policy?
  • Why am I required to buy liability insurance?
  • How do I insure my teen driver?
  • What exactly is covered by my policy?
  • Does my medical payments coverage pay my health insurance deductible?
  • What is the difference between comprehensive and collision coverage?
  • Do I have coverage when using my vehicle for my home business?
  • How do I file an SR-22 for a DUI in my state?
  • Am I getting all the discounts available?
  • Should I buy only the required minimum liability coverage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Car insurance myths debunked

Well-known car insurance companies like State Farm and Allstate consistently run television and radio advertisements. They all have a common claim that you’ll save big if you switch your policy. How do they all cost less than your current company? It’s all in how they say it.

Car insurance companies provide the lowest rates for the type of driver that earns them the most money. For instance, a driver they prefer might be over age 30, carries high limits, and the vehicle is rated for pleasure use. Anybody who meets those qualifications is entitled to the best price and will most likely cut their rates substantially.

Drivers who are not a match for those criteria must pay higher premiums and this results in business not being written. Company advertisements say “drivers that switch” but not “everyone who gets a quote” will save that much if they switch. This is how companies can make it sound like they have such great rates.

Different companies use different criteria so drivers must get a wide range of price quotes. Because you cannot predict which company will provide you with the cheapest prices.

Auto insurance coverages explained

Learning about specific coverages of a auto insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages available from auto insurance companies.

Liability insurance – This coverage will cover damage or injury you incur to a person or their property. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims like repair costs for stationary objects, pain and suffering and medical expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your Honda Civic.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Coverage for medical payments – Med pay and PIP coverage kick in for bills for hospital visits, dental work, doctor visits and pain medications. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Collision coverages – Collision insurance pays for damage to your Civic resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with a tree, backing into a parked car, hitting a parking meter and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive coverages – Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, damage from flooding, falling objects and hail damage. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

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

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A tidy conclusion

We covered some good ideas how you can save on 1995 Honda Civic insurance. The key concept to understand is the more times you quote, the better your chances of lowering your prices. You may be surprised to find that the lowest premium rates come from a lesser-known regional company. They may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive and GEICO.

Affordable 1995 Honda Civic insurance can be bought from both online companies and also from your neighborhood agents, and you should compare price quotes from both to have the best selection. Some auto insurance companies may not provide the ability to get a quote online and usually these smaller companies only sell through independent insurance agents.

As you shop your coverage around, you should never buy less coverage just to save a little money. In many cases, someone dropped liability limits or collision coverage only to regret at claim time that the savings was not a smart move. Your strategy should be to buy enough coverage at the best price while still protecting your assets.

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