Honda Car Forum

I have a 2002 Honda Civic Ex with side airbags. I am in my late thirties,
have a discount for group insurance through the college that I am an alumni
with, and I am a home owner. I pay $70.00 per month for full coverage with
liability, collision, fire, theft, rental car coverage, and $250.00
deductible. I live in the New England area in the USA. Does this sound Good,
Average, or Bad? I am trying to get some ideas to see if this is a normal
rate. I have gotten only one speeding ticket in my life and never been at
fault for an accident or other violation.

Thanks,

You need to raise the deductible to $1000.



How to turn off 'Maintenance Required" light:

1. Hold trip/reset button on dash
2. Turn key to "ON" or start engine
3. Hold button til light goes out

Oh sure, then if I get into an accident, or something I can incur a huge
dept...that makes alot of sense!
I am happy with the $250.00 deductible. I was just trying to get input from
others with insurance.



"He Hate Retards" <drpimpdaddi@aol.complaint> wrote in message
news:20040222111725.28401.00000144@mb-m29.aol.com...
> You need to raise the deductible to $1000.
>
>
>
> How to turn off 'Maintenance Required" light:
>
> 1. Hold trip/reset button on dash
> 2. Turn key to "ON" or start engine
> 3. Hold button til light goes out
>

i think a 500 deductible is about right.

No, $1000.





How to turn off 'Maintenance Required" light:

1. Hold trip/reset button on dash
2. Turn key to "ON" or start engine
3. Hold button til light goes out

>Oh sure, then if I get into an accident, or something I can incur a huge
>dept...that makes alot of sense!
>I am happy with the $250.00 deductible. I was just trying to get input from
>others with insurance.

Then don't get in to an accident, doofus! If you're not at-fault, then the
deductible won't matter because the other party has to pay for it.





How to turn off 'Maintenance Required" light:

1. Hold trip/reset button on dash
2. Turn key to "ON" or start engine
3. Hold button til light goes out

"Thomas Cooke" <tomboy83@yahoo.com> wrote in message
news:Bi4_b.4781$aT1.4331@newsread1.news.pas.earthl ink.net...
: I have a 2002 Honda Civic Ex with side airbags. I am in my late thirties,
: have a discount for group insurance through the college that I am an
alumni
: with, and I am a home owner. I pay $70.00 per month for full coverage with
: liability, collision, fire, theft, rental car coverage, and $250.00
: deductible. I live in the New England area in the USA. Does this sound
Good,
: Average, or Bad? I am trying to get some ideas to see if this is a normal
: rate. I have gotten only one speeding ticket in my life and never been at
: fault for an accident or other violation.
:
: Thanks,
:

$840 a year... Trade you, mines only $2,800/yr.

Three cars 91 Explorer, 95 Civic DX, 98 Tacoma P/U - Two middle-age drivers
(SWMBO and I) excellent driving records and a 19YO daughter with less than a
years exp. :-)

You pay a premium for a low deductible, but I understand that in case of an
accident, you don't want to be forking out a wad of cash. But you are better
off saving the amount for the deductible, than paying the Ins Co. for a
lower deductible.

Pays to shop around annually...

Rick
"Good martinis are like breasts on a woman. One ain't enough and three's too
many."

What you pay in insurance premiums is very dependent on where you live, how
you use your car and the liability limits and deductibles you choose, in
addition to your own driving record. Don't just look at cost alone....make
sure your liability limits are adequate to cover you in case of a serious
accident...as you say you are a homeowner, you have lots to lose if you
have too low of limits. Choose a higher deductible to offset higher
liability limit premiums...you should carry at least 100/300/100 as a
minimum. Some of the highest insurance rates in the country exist in some of
the NE states, such as Mass and Conn. Honda Civics are also not the
cheapest cars to insure either for a variety of reasons, which include
actual claims experience of the car (young drivers are common in the
coupes), cost of repair and the body style (4 door civics are much cheaper
than 2 dr EX's). In comparison for Calif ins rates, it is a pretty decent
premium even for the lowest limits and highest deductibles.
"Thomas Cooke" <tomboy83@yahoo.com> wrote in message
news:Bi4_b.4781$aT1.4331@newsread1.news.pas.earthl ink.net...
> I have a 2002 Honda Civic Ex with side airbags. I am in my late thirties,
> have a discount for group insurance through the college that I am an
alumni
> with, and I am a home owner. I pay $70.00 per month for full coverage with
> liability, collision, fire, theft, rental car coverage, and $250.00
> deductible. I live in the New England area in the USA. Does this sound
Good,
> Average, or Bad? I am trying to get some ideas to see if this is a normal
> rate. I have gotten only one speeding ticket in my life and never been at
> fault for an accident or other violation.
>
> Thanks,
>
>

I am pretty sure that I have 100/300 or there about. I know that the lease
requires a higher amount of coverage anyway. I only drive 9 miles to work
and 9 miles back, so I really don't have a long commute.

I know that I originally was paying about $960.00 per year when I had a 500
dollar deductible, so for $10.00 more a month I figured it was worth it.
That's less than the price of a candy bar every day. I checked with Met Life
and their prices we outrages compared to what I have. They were like double.

"Larry" <lgz56@yahoo.com> wrote in message
newso7_b.1275$_B7.287@newssvr27.news.prodigy.com ...
> What you pay in insurance premiums is very dependent on where you live,
how
> you use your car and the liability limits and deductibles you choose, in
> addition to your own driving record. Don't just look at cost
alone....make
> sure your liability limits are adequate to cover you in case of a serious
> accident...as you say you are a homeowner, you have lots to lose if you
> have too low of limits. Choose a higher deductible to offset higher
> liability limit premiums...you should carry at least 100/300/100 as a
> minimum. Some of the highest insurance rates in the country exist in some
of
> the NE states, such as Mass and Conn. Honda Civics are also not the
> cheapest cars to insure either for a variety of reasons, which include
> actual claims experience of the car (young drivers are common in the
> coupes), cost of repair and the body style (4 door civics are much cheaper
> than 2 dr EX's).

In article <Bi4_b.4781$aT1.4331@newsread1.news.pas.earthlink. net>,
"Thomas Cooke" <tomboy83@yahoo.com> wrote:

> I have a 2002 Honda Civic Ex with side airbags. I am in my late thirties,
> have a discount for group insurance through the college that I am an alumni
> with, and I am a home owner. I pay $70.00 per month for full coverage with
> liability, collision, fire, theft, rental car coverage, and $250.00
> deductible. I live in the New England area in the USA. Does this sound Good,
> Average, or Bad?

That's not bad, given it includes rental car and a low deductible.

I don't have rental car coverage and my deductible is $500, and similar
coverage on a similar car is about $800/year.