Insurance for Honda CivicDo you want to learn to get lower-priced car insurance rates in San Antonio, TX? San Antonio buyers have many options when searching for the best price on Honda Civic insurance. They can either waste time contacting agents to compare prices or utilize the internet to get rate quotes. There is a right way and a wrong way to shop for car insurance so we're going to tell you the quickest way to compare rates for a Honda and obtain the best price possible.

Sad but true, almost 70% of drivers in Texas have been with the same company for at least four years, and 38% of customers have never compared rates with other companies. American insurance shoppers can save hundreds of dollars each year just by comparing rates, but they just assume it takes a lot of time to compare rates and save money.

If you have a current insurance policy or are looking for a new policy, you will benefit by learning to shop for the lowest rates without reducing coverage. Our goal is to instruct you on the best ways to compare prices and some tricks to saving. You just have to understand the best way to shop their coverage around over the internet.

Auto insurance quotes and discounts

The price of auto insurance can be rather high, but you may find discounts that can drop the cost substantially. A few discounts will automatically apply when you complete an application, but occasionally some discounts must be inquired about before being credited.

We need to note that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, it just doesn't work that way.

A few popular companies and some of the premium reductions they offer can be read below.

Double check with each insurance company how you can save money. Some discounts may not apply to policies in San Antonio. If you would like to see a list of companies who offer cheap Honda Civic insurance quotes in San Antonio, follow this link.

The quickest way to compare rate quotes for Honda Civic insurance in San Antonio is to understand auto insurance companies participate in online systems to give you rate quotes. To begin a comparison, all you need to do is take a few minutes to give details like how much education you have, whether you drive to work or school, whether your vehicle is owned or leased, and your occupation. That rating information gets transmitted to many of the top insurers and they provide comparison quotes within a short period of time.

If you wish to get multiple quotes for your Honda Civic now, click here and see if a lower rate is available in San Antonio.

The auto insurance companies shown below provide free quotes in Texas. To locate the cheapest auto insurance in Texas, it's highly recommended you click on several of them to find the cheapest auto insurance rates.

Honda Civic Insurance Cost Estimates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $286 $592 $382 $22 $114 $1,396 $116
Civic VP 4-Dr Sedan $180 $462 $430 $26 $128 $1,226 $102
Civic LX 4-Dr Sedan $180 $368 $500 $30 $150 $1,228 $102
Civic DX 2-Dr Coupe $176 $452 $642 $38 $192 $1,500 $125
Civic EX 4-Dr Sedan $326 $698 $500 $30 $150 $1,704 $142
Civic LX-S 4-Dr Sedan $190 $434 $392 $24 $118 $1,158 $97
Civic LX 2-Dr Coupe $274 $908 $620 $36 $186 $2,024 $169
Civic EX-L 4-Dr Sedan $230 $572 $366 $22 $110 $1,300 $108
Civic SI 4-Dr Sedan $186 $462 $366 $22 $110 $1,146 $96
Civic EX 2-Dr Coupe $336 $672 $624 $36 $186 $1,854 $155
Civic GX 4-Dr Sedan $266 $668 $514 $30 $154 $1,632 $136
Civic EX-L 2-Dr Coupe $254 $660 $500 $30 $150 $1,594 $133
Civic Hybrid 4-Dr Sedan $356 $788 $496 $30 $148 $1,818 $152
Civic SI 2-Dr Coupe $302 $700 $490 $30 $146 $1,668 $139
Get Your Own Custom Quote Go

Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Information does not factor in specific location which can increase or decrease rates significantly.

Physical damage deductibles

When buying auto insurance, a common question is how high should the physical damage deductibles be. The comparison tables below may help to conceptualize the difference in cost when you choose different physical damage coverage deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Honda Civic insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $256 $496 $382 $22 $114 $1,295 $108
Civic VP 4-Dr Sedan $256 $584 $382 $22 $114 $1,383 $115
Civic LX 4-Dr Sedan $256 $584 $382 $22 $114 $1,383 $115
Civic DX 2-Dr Coupe $256 $584 $476 $28 $142 $1,511 $126
Civic EX 4-Dr Sedan $256 $584 $382 $22 $114 $1,383 $115
Civic LX-S 4-Dr Sedan $256 $584 $382 $22 $114 $1,383 $115
Civic LX 2-Dr Coupe $256 $672 $476 $28 $142 $1,599 $133
Civic EX-L 4-Dr Sedan $294 $672 $382 $22 $114 $1,509 $126
Civic SI 4-Dr Sedan $294 $672 $382 $22 $114 $1,509 $126
Civic EX 2-Dr Coupe $294 $672 $476 $28 $142 $1,637 $136
Civic GX 4-Dr Sedan $294 $672 $382 $22 $114 $1,509 $126
Civic EX-L 2-Dr Coupe $294 $672 $476 $28 $142 $1,637 $136
Civic Hybrid 4-Dr Sedan $332 $584 $382 $22 $114 $1,459 $122
Civic SI 2-Dr Coupe $332 $762 $476 $28 $142 $1,765 $147
Get Your Own Custom Quote Go
Honda Civic insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $208 $400 $382 $22 $114 $1,126 $94
Civic VP 4-Dr Sedan $208 $472 $382 $22 $114 $1,198 $100
Civic LX 4-Dr Sedan $208 $472 $382 $22 $114 $1,198 $100
Civic DX 2-Dr Coupe $208 $472 $476 $28 $142 $1,326 $111
Civic EX 4-Dr Sedan $208 $472 $382 $22 $114 $1,198 $100
Civic LX-S 4-Dr Sedan $208 $472 $382 $22 $114 $1,198 $100
Civic LX 2-Dr Coupe $208 $542 $476 $28 $142 $1,396 $116
Civic EX-L 4-Dr Sedan $240 $542 $382 $22 $114 $1,300 $108
Civic SI 4-Dr Sedan $240 $542 $382 $22 $114 $1,300 $108
Civic EX 2-Dr Coupe $240 $542 $476 $28 $142 $1,428 $119
Civic GX 4-Dr Sedan $240 $542 $382 $22 $114 $1,300 $108
Civic EX-L 2-Dr Coupe $240 $542 $476 $28 $142 $1,428 $119
Civic Hybrid 4-Dr Sedan $270 $472 $382 $22 $114 $1,260 $105
Civic SI 2-Dr Coupe $270 $614 $476 $28 $142 $1,530 $128
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Price information does not factor in specific location information which can influence insurance rates considerably.

We can estimate from the data above that using a $250 deductible costs roughly $17 more each month or $204 each year than buying the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 15 months between claim filings, you would most likely save money if you decide on a higher deductible. The table below illustrates how this calculation is made.

Average monthly premium for $250 deductibles: $125
Average monthly premium for $500 deductibles (subtract): - $108
Monthly savings from raising deductible: $17
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One big caveat is that higher deductibles results in having to pay to pay more out-of-pocket at claim time. That will require some extra funds in the event you need to pay more to get your vehicle repaired.

How Car Insurance Companies Calculate Honda Civic Insurance Premiums

An important part of buying insurance is that you know some of the factors that are used to determine your premiums. When consumers understand what influences your rates, this allows you to make educated decisions that may result in big savings. Many factors are used in the calculation when quoting car insurance. A few of the factors are predictable such as your driving record, although others are more transparent like your continuous coverage or your commute time.

The following are some of the most rate-impacting factors utilized by car insurance companies to help set premiums.

You may need specialized auto insurance coverage

When selecting your policy, there really is not a "perfect" insurance plan. Your needs are unique to you and your policy should reflect that. These are some specific questions may help you determine whether you could use an agent's help.

If you can't answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Get rate quotes but still have a local San Antonio insurance agent

A lot of people would rather talk to an insurance agent and often times that is recommended Licensed agents are trained risk managers and help file insurance claims. The best thing about comparing rates online is that you can find the best rates but still work with a licensed agent.

San Antonio insurance agentsAfter filling out this simple form, the quote information is sent to companies in San Antonio that provide free San Antonio auto insurance quotes for your insurance coverage. You never need to contact any insurance agencies due to the fact that quote results will go to your email. If you need to get a price quote from a specific company, feel free to visit that company's website and complete a quote there.

Finding a good insurance company is decision based upon more than just the bottom line cost. Any agent in San Antonio should be willing to answer these questions.

Pick the best car insurance agent in San Antonio for you

If you are searching for a good San Antonio insurance agent, it helps to know the two different agency structures and how they function. San Antonio agents are either exclusive or independent. Either one can write policy coverage, but we need to point out the difference in how they write coverage because it can impact the kind of agent you use.

Exclusive Insurance Agents

Exclusive insurance agents can only write with one company such as Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to place coverage with different providers so they have no alternatives for high prices. These agents receive extensive training on their company's products which helps them sell insurance even at higher premiums. Drivers often buy insurance from these agents partially due to the brand name and solid financial strength.

Shown below are San Antonio exclusive agents willing to provide comparison quotes.

More insurance agents

Independent Agents

These type of agents do not have single company limitations so as a result can place your coverage with lots of companies and find the cheapest insurance rates. If you are not satisfied with one company, your policy is moved internally and you stay with the same agent. When comparing insurance rates, it's recommended you get several quotes from at a minimum one independent agency to get the most accurate price comparison. Many write coverage with different regional companies that may provide cheaper insurance rates.

Shown below is a short list of independent insurance agencies in San Antonio that are able to give price quotes.

More insurance agents

Protect your vehicle and other assets

Even though San Antonio Civic insurance rates can get expensive, auto insurance is required for several reasons.

The benefits of having insurance more than cancel out the cost, especially if you ever need it. According to a 2015 survey, the average American driver is overpaying over $820 a year so you should quote rates at least once a year to help ensure money is not being wasted.

Cheaper rates are available

As you go through the steps to switch your coverage, it's very important that you do not skimp on critical coverages to save a buck or two. Too many times, someone sacrificed liability coverage limits to discover at claim time that the few dollars in savings costed them thousands. Your focus should be to purchase plenty of coverage for the lowest price while still protecting your assets.

We just covered a lot of tips how to reduce Honda Civic insurance car insurance rates online in San Antonio. The key thing to remember is the more companies you get premium rates for, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest car insurance rates are with a lesser-known regional company. Smaller companies may only write in your state and offer lower premium rates as compared to the big name companies such as Allstate or State Farm.

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