How To Make Car Insurance Cheaper HONDA Civic VI Fastback (MA, MB) (09.1994 - 02.2001)

Hey there! Lowering insurance on a classic like your 1998 Honda Civic in the UK? Nice! That little champ can surprise you, but insurance can feel like you're paying for premium petrol when you just want regular.

Here’s the scoop on how to keep those premiums from making your wallet cry:

1. Shop Around and Compare – Use comparison websites like Compare the Market, GoCompare, or Confused.com. Sometimes providers throw discount goodies if you switch or bundle policies.

2. Consider Specialist Insurers – For older cars like your ’98 Civic, look into specialist classic or young driver insurers. Companies like Adrian Flux or Lancaster Insurance sometimes offer better deals for modified or older cars.

3. Increase Your Excess – Paying a bit more out-of-pocket if you claim can really lower your premium. Just don’t push it too far unless you've got the cash ready.

4. Secure Your Ride – Installing an approved alarm, immobilizer, or tracking device can chop off some pounds from your bill. Hey, insurers love peace of mind!

5. Limit Your Mileage – Fewer miles = less risk. Accurately estimating your annual mileage can lead to discounts.

6. Modify Carefully – Now, about those mods: things like tinted windows and a new exhaust? Yep, they can bump up your premium. Insurers see mods as increasing your car's value or risk (sometimes because they imply faster speeds or more attention from thieves). Always declare mods honestly; hiding them can void your policy like magic (not the good kind).

7. No Claims Discount (NCD) – Keep that NCD coming! The longer you go claim-free, the better your rates.

In short, mods might make insurers a bit twitchy, so think twice before you add flashy bits just to save a couple of quid on fumes. But the good news? If you keep your Civic chill, safe, and honest, you can snag a decent deal.

Good luck, mate! May your premiums be low and your Civic ever smooth on the tarmac. Cheers!