Want to learn how to find more competitive Honda Civic insurance in Houston? Trying to come up with a payment for pricey car insurance can drain your family's budget and force you to tighten up your finances. Comparing price quotes can lower your rates and help to tighten up your finances.
Astonishing but true according to a recent study, nearly 70% of customers have purchased from the same company for more than four years, and nearly the majority have never compared rate quotes at all. Many drivers in Houston could save as much as $1,766 each year, but they just don't understand how much money they would save if they replace their high priced policy. With consumers having so many choices of insurance companies that have cheaper insurance for a Honda Civic in Houston, it can be diffult for drivers to locate the best car insurance company.
Comparison shopping for affordable auto insurance coverage in Houston is not as difficult as people think. If you already have coverage or are looking for a new policy, use these money-saving tips to lower your rates while maximizing coverage. You just need to know the fastest way to get comparison rates from many companies at once.
The fastest way that we advise to compare car insurance rates for Honda Civic insurance in Houston utilizes the fact car insurance companies participate in a system to give free rates quotes. All you need to do is provide details such as an estimate of your credit level, the type of vehicles you drive, types of safety features, and level of coverage desired. Your details is sent automatically to multiple companies and they return rate quotes with very little delay.
To start a quote now, click here and see if a lower rate is available in Houston.
The companies shown below offer free rate quotes in Texas. In order to find the best cheap auto insurance in Texas, it's a good idea that you visit several of them to get the most competitive price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$200||$422||$366||$22||$110||$1,120||$93|
|Civic VP 4-Dr Sedan||$152||$416||$496||$30||$148||$1,242||$104|
|Civic LX 4-Dr Sedan||$180||$368||$500||$30||$150||$1,228||$102|
|Civic DX 2-Dr Coupe||$152||$416||$620||$36||$186||$1,410||$118|
|Civic EX 4-Dr Sedan||$232||$580||$514||$30||$154||$1,510||$126|
|Civic LX-S 4-Dr Sedan||$234||$538||$392||$24||$118||$1,306||$109|
|Civic LX 2-Dr Coupe||$326||$804||$624||$36||$186||$1,976||$165|
|Civic EX-L 4-Dr Sedan||$156||$436||$430||$26||$128||$1,176||$98|
|Civic SI 4-Dr Sedan||$208||$424||$500||$30||$150||$1,312||$109|
|Civic EX 2-Dr Coupe||$272||$542||$624||$36||$186||$1,660||$138|
|Civic GX 4-Dr Sedan||$322||$924||$462||$28||$138||$1,874||$156|
|Civic EX-L 2-Dr Coupe||$232||$532||$486||$28||$146||$1,424||$119|
|Civic Hybrid 4-Dr Sedan||$200||$360||$388||$24||$116||$1,088||$91|
|Civic SI 2-Dr Coupe||$410||$1118||$642||$38||$192||$2,400||$200|
|Get Your Own Custom Quote Go|
Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Prices do not factor in garaging location in Houston which can change coverage prices considerably.
Physical damage deductible comparison
The diagram below illustrates how choosing a deductible and can change Honda Civic insurance premiums for different age groups. The prices are based on a single male driver, comp and collision included, and no discounts are applied to the premium.
Auto insurance rates by gender and age in Houston
The information below illustrates the difference between Honda Civic auto insurance costs for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, marital status is single, and no discounts are taken into consideration.
Get cheaper rates with discounts
Insurance is neither fun to buy or cheap, but discounts can save money and there are some available that could help you make your next renewal payment. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be asked for before they will apply.
- Early Renewal Discounts - A few larger companies give discounts for buying a policy before your current coverage expires. This can save 10% or more.
- Accident Forgiveness Coverage - Not really a discount, but a few companies such as GEICO and Liberty Mutual may permit one accident before your rates go up if your claims history is clear before the accident.
- Driver's Education for Students - It's a good idea to have your young drivers enroll and complete driver's education as it can save substantially.
- Houston Homeowners Pay Less - Owning a home in Houston can save a few bucks because of the fact that having a home shows financial diligence.
- Military Rewards - Being deployed with a military unit may qualify for rate reductions.
- Bundle and Save - When you have multiple policies with one insurance company you may earn approximately 10% to 15%.
- Clubs and Organizations - Being a member of specific professional or occupational memberships or organizations is a simple method to lower premiums on your next renewal.
- Accident-Free Discounts - Drivers who don't have accidents pay much less compared to drivers with a long claim history.
As is typical with insurance, most credits do not apply to all coverage premiums. Most cut individual premiums such as liability and collision coverage. If you do the math and it seems like it's possible to get free car insurance, companies wouldn't make money that way.
If you would like to view insurance companies that offer the discounts shown above in Texas, click this link.
Educated Choices Result in Lower Insurance Prices
Multiple criteria are used when you get your auto insurance bill. A few of the factors are predictable such as your driving history, but some are more transparent like your continuous coverage or your commute time.
Save money with GPS tracking and theft deterrents - Choosing a vehicle with an alarm system can help bring down rates. Theft deterrent systems like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent vehicle theft.
Women tend to be lower risk - The statistics show that men are more aggressive behind the wheel. It does not mean women are better drivers. Men and women get in accidents at about the same rate, but the male of the species have accidents that have higher claims. Men also statistically receive more costly citations like DUI and reckless driving. Youthful male drivers tend to get in the most accidents and therefore pay the highest rates.
Youthful drivers pay more - Young drivers in Texas are known to get distracted easily when driving so they pay higher auto insurance rates. Older insureds are shown to be more cautious, cost insurance companies less in claims, and get fewer tickets.
Multiple policies with one company can save - The majority of insurers will award a discount to clients who consolidate policies with them in the form of a multi-policy discount. Even though this discount sounds good, consumers should still comparison shop to guarantee you are still saving the most. You may still find better rates by buying auto insurance from a different company.
Save money with higher physical damage deductibles - Comp and collision deductibles are the amount of money you are willing to pay if a covered claim is submitted. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some coverage claims could be collision with another vehicle, damage caused by hail, and damage from wind. The more you're willing to pay, the bigger discount you will receive.
Your address can impact rates - Choosing to live in small towns and rural areas can save you money when shopping for auto insurance. Drivers in populated areas have more traffic problems and a longer drive to work. Fewer people translates into fewer accidents in addition to lower liability claims
Amount of liability protection - Liability insurance is the protection in the event that you are responsible for damages caused by your negligence. It will provide for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
Discounts for married couples - Being married may cut your premiums when buying auto insurance. Having a spouse translates into being more stable financially and it's proven that married drivers get in fewer accidents.
Insurance loss data for Honda Civic vehicles - Companies use statistical claims data when they set coverage costs for each model. Models that the data determines to have higher number or severity of losses will have higher premium rates. The information below illustrates the compiled insurance loss statistics for Honda Civic vehicles.
For each coverage type, the claim amount for all vehicles, without regard to make or model, equals 100. Percentages below 100 are indicative of better than average losses, while values over 100 indicate more frequent losses or an increased probability of a larger loss.
Honda Civic Insurance Claim Statistics
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Honda Civic Hybrid||90||85||106||105||78|
|Honda Civic Si||126||97||117||124||104|
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Do I need an insurance agency?
A small number of people just want to talk to an insurance agent and that is not a bad decision Good insurance agents can help determine the best coverages and help file insurance claims. One of the great benefits of comparing rates online is the fact that you can find lower rates but still work with a licensed agent. Putting coverage with neighborhood insurance agencies is definitely important in Houston.
Upon completion of this simple form, your insurance data gets sent to local insurance agents in Houston that provide free Houston auto insurance quotes for your coverage. There is no need to leave your computer since rate quotes are delivered directly to your email. If you want to compare prices from a specific car insurance provider, just find their quoting web page and fill out the quote form the provide.
Choosing the best provider shouldn't rely on just the premium amount. Here are some questions to ask:
- Is insurance their full-time profession?
- Will the quote change when the policy is issued?
- Are they primarily personal or commercial lines agents in Houston?
- Are they properly licensed to sell insurance in Texas?
- Can glass repairs be made at your home?
Once you have received satisfactory answers to any questions you may have as well as an affordable premium quote, you may have found a company that is reputable and can provide car insurance coverage. But keep in mind once you purchase a policy you can cancel coverage whenever you want so never feel you are locked into a specific agent with no way out.
Car insurance savings summarized
Budget-friendly car insurance in Houston is definitely available on the web as well as from independent agents in Houston, and you need to price shop both so you have a total pricing picture. A few companies may not offer online price quotes and usually these small insurance companies prefer to sell through independent insurance agents.
In this article, we covered many tips how you can reduce Honda Civic insurance auto insurance rates online in Houston. The key concept to understand is the more companies you get premium rates for, the higher the chance of saving money. Consumers may even find the biggest savings come from a lesser-known regional company. Regional companies can often provide lower premium rates in certain areas than the large multi-state companies such as State Farm, GEICO and Nationwide.
When you buy Houston auto insurance online, never skimp on coverage in order to save money. In many cases, an accident victim reduced full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to purchase a proper amount of coverage at the best price but still have enough coverage for asset protection.
Much more information about car insurance in Texas is available below:
- A Tree Fell on Your Car: Now What? (Allstate)
- Who Has Cheap Car Insurance Rates for a Toyota Tacoma in Texas? (FAQ)
- Who Has Affordable Texas Auto Insurance for High School Students? (FAQ)
- How Much is Car Insurance for Ride Shares in Texas? (FAQ)
- Who Has Cheap Car Insurance Rates for Active Military in Texas? (FAQ)
- Who Has Affordable Auto Insurance for Drivers Over Age 60 in Texas? (FAQ)
- Who Has Affordable Car Insurance Quotes for a School Permit in Texas? (FAQ)
- Who Has Affordable Texas Auto Insurance for 17 Year Olds? (FAQ)
- Who Has Affordable Auto Insurance for Postal Workers in Texas? (FAQ)
- Who Has the Cheapest Texas Car Insurance Quotes for Inexperienced Drivers? (FAQ)
- What Auto Insurance is Cheapest for a Chevrolet Malibu in Texas? (FAQ)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Understanding Car Crashes Video (iihs.org)
- Auto Insurance Learning Center (State Farm)