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: Sep 28, 2018

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Are you frustrated by the number of car insurance sources that you can choose from? You have so many sources to choose from that it can be a big hassle to find the best car insurance rates.

It’s important to do price comparisons on a regular basis because prices trend upward over time. Despite the fact that you may have had the best deal on Civic insurance a year ago you can probably find a better premium rate now. Forget anything you know (or think you know) about car insurance because you’re going to learn the quickest way to save money, get proper coverage and the best rates.

Discounts for affordable car insurance rates

Auto insurance companies don’t necessarily list all their discounts in an easy-to-find place, so the next list breaks down both well-publicized as well as some of the hidden credits that you can use to lower your rates.

  • Multiple Policy Discount – When you have multiple policies with the same company you will save at least 10 to 15 percent or more.
  • Payment Method – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Discount for New Cars – Buying car insurance coverage on a new vehicle can save you some money since new model year vehicles have better safety ratings.
  • Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies will allow you to have one accident before raising your premiums with the catch being you have to be claim-free for a certain period of time.
  • Claim Free – Drivers who don’t have accidents are rewarded with significantly better rates on car insurance quote when compared to frequent claim filers.

You can save money using discounts, but some credits don’t apply to the entire cost. Some only reduce individual premiums such as physical damage coverage or medical payments. Even though it appears you could get a free car insurance policy, you aren’t that lucky. Any amount of discount will reduce your car insurance premiums.

To locate insurers with the best car insurance discounts, click this link.

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

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Which insurance coverage is cheapest?

When comparison shopping, there are several ways of comparing price quotes from different insurance companies. The quickest method to find cheaper 1996 Honda Civic rates is to get quotes online. This is quite simple and can be completed using a couple different methods.

  1. The easiest and least time consuming way to find low rates is to use a rate comparison form (click to open form in new window). This style of form eliminates the need for separate forms for each price estimate. Filling out one form compares rates from insurance coverage companies with the best prices. Just one form and you’re done.
  2. A harder way to get quotes online requires a visit to each company website and go through the quote process again. For instance, let’s say you want to view quotes from GEICO, 21st Century and Allstate. To get each rate you have to navigate to each company’s site and repeatedly enter your information, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

  3. The old school method to compare price estimates is going to different agent offices. The internet eliminates the middleman unless you have a complicated situation and need the personal advice of a local agency. Drivers can price shop online and still use a local agent.

How you compare quotes is your choice, just make sure you use identical coverage information for each comparison quote. If you have different deductibles you can’t possibly determine the best price for your Honda Civic. Having just a slight variation in coverage limits could mean much higher rates. And when comparison shopping, getting more free quotes helps you find more affordable rates. Some insurance companies are not set up to provide online quotes, so it’s necessary to compare rates from those companies as well.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining if your insurance needs would benefit from professional advice.

  • How high should my medical payments coverage be?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can I afford to buy a different vehicle if my 1996 Honda Civic is totaled?
  • What is an SR-22 filing?
  • How do I insure my teen driver?
  • Am I covered if I wreck a rental car?
  • When should I remove comp and collision on my 1996 Honda Civic?
  • Where can I get insurance after a DUI in my state?
  • How can I force my company to pay a claim?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form.

Detailed coverages of your auto insurance policy

Having a good grasp of your auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, hail damage and hitting a deer. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical costs insurance

Med pay and PIP coverage reimburse you for immediate expenses such as dental work, EMT expenses and prosthetic devices. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Auto liability insurance

This provides protection from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things such as emergency aid, funeral expenses, medical expenses and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Auto collision coverage

This coverage pays for damage to your Civic resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as backing into a parked car, sustaining damage from a pot hole and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

UM/UIM Coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Honda Civic.

Since many 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.

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

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Feed the piggy bank

We just presented some good ideas how to lower your 1996 Honda Civic insurance premium rates. The key thing to remember is the more providers you compare, the better likelihood of getting cheap car insurance. You may even find the best premium rates are with some of the lesser-known companies.

Some companies may not have the ability to get a quote online and these regional insurance providers work with independent insurance agents. Affordable 1996 Honda Civic insurance is definitely available on the web in addition to local insurance agencies, so you should compare both to have the best chance of lowering rates.

Consumers change insurance companies for a variety of reasons including high rates after DUI convictions, not issuing a premium refund, unfair underwriting practices or being labeled a high risk driver. Regardless of your reason for switching companies, finding the right car insurance provider is pretty simple and you could end up saving a buck or two.

Much more information about car insurance can be found at these links: