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: Feb 24, 2018

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Drivers have options when trying to find the lowest priced Honda Civic insurance. They can either waste time driving around getting price quotes or leverage the internet to get rate quotes. There is a better way to find insurance online and you need to know the absolute fastest way to get price quotes for a Honda and get the best price possible from local insurance agents and online providers.

Choosing the best insurance company for you is quite easy. If you currently have a car insurance policy, you will most likely be able to save some money using these techniques. Consumers just need to understand the most effective way to get comparison rates online.

How much is car insurance?

Finding a better price on car insurance can be relatively painless. Drivers just need to spend a few minutes on the computer comparing rates to find out which insurance company has affordable insurance coverage quotes. This can be done in a couple of different ways.

The first (and easiest) way consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This quick form saves time by eliminating separate quote forms for each price estimate. One form will get you rate comparisons direct from many companies. It’s the fastest way to compare.

A slightly less efficient method to get quotes online requires you to visit each individual company website to complete a price quote. For instance, let’s assume you want to view quotes from Auto-Owners, Safeco and GMAC. You would have to spend time going to each site individually and enter your policy data, and that explains why we recommend the first method.

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

Even if you have time, the least recommended method to do your price quoting is driving to each insurance agency near you. The ability to get quotes online has reduced the need for local agents unless you want the professional assistance of a local agency. It is possible with some companies find lower rates online but buy the policy through an agent.

Whichever way you use, double check that you are using apples-to-apples deductibles and coverage limits with every price quote. If you enter differing limits it will be nearly impossible to make a fair comparison for your Honda Civic.

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Insurance coverage discounts help cut rates

Car insurance is not cheap, but discounts can save money and there are some available that could help you make your next renewal payment. Certain discounts will be applied at the time of quoting, but lesser-known reductions have to be inquired about before they will apply.

  • Multiple Policy Discount – If you combine your homeowners and auto policies and place coverage with the same company you may save up to 20% and get you inexpensive insurance coverage.
  • Defensive Driver Discount – Successfully completing a class that teaches safe driver techniques is a good idea and can lower rates and also improve your driving technique.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course in school.
  • Clubs and Organizations – Being in a qualifying organization could earn you a nice discount when getting a insurance coverage quote.
  • Own a Home – Just being a homeowner can help you save on insurance coverage since owning and maintaining a home is proof of financial responsibility.
  • Early Switch Discount – Some larger companies reward drivers for switching to them before your current expiration date. It can save you around 10%.
  • E-sign – Some of the larger companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • One Accident Forgiven – Not necessarily a discount, but some insurance companies will let one accident slide before they charge you more for coverage so long as you haven’t had any claims for a particular time prior to the accident.

One thing to note about discounts is that some credits don’t apply to the entire policy premium. Most only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. But all discounts should help reduce your overall bill.

A few companies that may offer most of these discounts possibly include:

If you want cheap insurance coverage quotes, ask each insurance company which discounts they offer. Savings may not be available in your area. To find companies who offer discounts, click this link.

Which is the best car insurance?

When it comes to buying the best car insurance coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine whether you might need professional guidance.

  • Am I covered when driving someone else’s vehicle?
  • Should I get collision insurance on every vehicle?
  • Does coverage extend to a rental car in a foreign country?
  • What if I total my 1999 Honda Civic and owe more than it’s worth?
  • Do I need more liability coverage?
  • Does coverage extend to my business vehicle?
  • Will filing a claim cost me more?

If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form. It’s fast, free and you can get the answers you need.

Specific coverages for a Honda Civic

Knowing the specifics of car insurance aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Collision protection

This pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with a tree, sustaining damage from a pot hole, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses such as prosthetic devices, surgery and hospital visits. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability coverage

Liability coverage will cover injuries or damage you cause to other’s property or people. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like attorney fees, funeral expenses and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a bird, damage from getting keyed, falling objects, fire damage and a broken windshield. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Honda Civic.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

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

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Have the Midas touch

Some insurance providers may not have online quoting and usually these smaller companies prefer to sell through independent agencies. Budget-friendly insurance coverage can be bought on the web as well as from independent agents, so you should be comparing quotes from both so you have a total pricing picture.

Throughout this article, we presented some good ideas how to reduce 1999 Honda Civic insurance car insurance rates online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the best car insurance rates are with a company that doesn’t do a lot of advertising.

Consumers who switch companies do it for a number of reasons such as delays in responding to claim requests, an unsatisfactory settlement offer, extreme rates for teen drivers and even questionable increases in premium. No matter why you want to switch, finding a great new company can be easier than you think.

Even more information can be read by following these links: