First of all, your graphics card is terrible. You need to replace that pronto before anything. However, as stated above, you may have a bad install. You should be able to reinstall without losing save, but then with CIV saves don't matter all that much. Also, make sure that you don't have too much running on your computer, check for viruses and spyware. Go to download.com and search for a variety of free tools that will help to clean up your computer ( several good ones are pretty easy to find from the home page). Lastly, and you may already do this, but run all you system tools regularly like diskcleanup, defrag and scandisk - you should run them at least once a month if not more. And one more thing, remove any unused software from the computer and update your drivers. I would first look through the add/remove tool and uninstall any crap, including some of the commercial crap delivered with the system and then go through your root drive (C or D) and delete any skeleton folders.
CIV could be crashing for any number of reasons, but it's good to get your computer healthy anyway. you may have some sort of memory leak.
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