Do you get confused by the sheer number of insurance companies that you can choose from? Lot's of other people are too. There are so many choices that it can easily become more work than you anticipated to find better premium rates for Honda Civic insurance in Tucson. Tucson is a great city to live in, but expensive insurance premiums makes it difficult to keep a tight budget.

Insurance quote for Honda Civic in TucsonA recent survey discovered that the vast majority of insurance customers kept their coverage with the same insurance company for well over three years, and just under half have never compared quotes from other companies. Many consumers in Tucson could save themselves about 50% a year just by comparing rates, but most tend to underestimate the large savings they would see if they just switched companies.

It's a great practice to compare premium rates every six months because insurance prices change quite often. Just because you had the lowest price on Honda Civic insurance in Tucson two years ago you can probably find a lower rate today. Forget all the misinformation about insurance because you're going to get a crash course in the best methods to find lower rates on insurance.

Score discounts on Tucson auto insurance

Car insurance is not cheap, but you may find discounts that many people don't even know exist. Some of these discounts will be visible when you purchase, but a few must be asked about in order for you to get them. If you're not getting every credit available, you may be paying too high a price.Auto insurance discounts

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, auto insurance companies aren't that generous. But any discount will bring down the premium cost.

If you would like to choose from a list of companies who offer online Honda Civic insurance quotes in Tucson, follow this link.

Most companies make it easy to get pricing from their websites. Doing online quotes for Honda Civic insurance in Tucson is fairly straightforward as you just type in the coverage amounts you desire into the form. After the form is submitted, their system pulls reports for credit and driving violations and gives you a price quote based on these factors.

Quoting online for Honda Civic insurance in Tucson makes comparing rates easy, and it's very important to do this in order to get a better rate.

In order to find out how much you can save on auto insurance, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend you copy your coverages identical to your current policy. Using the same limits helps guarantee you will have comparison quotes using the exact same coverages.

The following companies provide quotes in Arizona. To find the cheapest auto insurance in Arizona, it's highly recommended you visit as many as you can to get the most competitive price.

Honda Civic Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $160 $362 $362 $22 $108 $1,014 $85
Civic VP 4-Dr Sedan $174 $456 $282 $16 $84 $1,012 $84
Civic LX 4-Dr Sedan $150 $342 $308 $18 $92 $910 $76
Civic DX 2-Dr Coupe $194 $538 $424 $26 $126 $1,308 $109
Civic EX 4-Dr Sedan $158 $390 $288 $18 $86 $940 $78
Civic LX-S 4-Dr Sedan $194 $538 $314 $18 $94 $1,158 $97
Civic LX 2-Dr Coupe $218 $620 $382 $22 $114 $1,356 $113
Civic EX-L 4-Dr Sedan $224 $518 $306 $18 $92 $1,158 $97
Civic SI 4-Dr Sedan $162 $440 $338 $20 $102 $1,062 $89
Civic EX 2-Dr Coupe $258 $652 $506 $30 $152 $1,598 $133
Civic GX 4-Dr Sedan $110 $276 $282 $16 $84 $768 $64
Civic EX-L 2-Dr Coupe $200 $546 $424 $26 $126 $1,322 $110
Civic Hybrid 4-Dr Sedan $180 $356 $404 $24 $122 $1,086 $91
Civic SI 2-Dr Coupe $224 $618 $424 $26 $126 $1,418 $118
Get Your Own Custom Quote Go

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rates do not factor in garaging location in Tucson which can lower or raise coverage rates greatly.

Difference between liability only and full coverage rates

The illustration below shows the difference between Honda Civic insurance rates with and without physical damage coverage. The premiums assume a clean driving record, no claims, $1,000 deductibles, single male driver, and no discounts are factored in.

Guidelines for eliminating full coverage

There is no clear-cut rule of when to eliminate comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let's say your Honda Civic claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $4,000 after paying your deductible. If you are paying more than $400 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are a few cases where eliminating full coverage is not a good plan. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.

Analysis of deductible levels

When shopping for auto insurance, a common question is where to set your physical damage deductibles. The following insurance rates illustrate the rate differences when you buy lower versus higher comp and collision deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second price grid uses a $1,000 deductible.

Honda Civic insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $202 $390 $300 $18 $90 $1,025 $85
Civic VP 4-Dr Sedan $202 $460 $300 $18 $90 $1,095 $91
Civic LX 4-Dr Sedan $202 $460 $300 $18 $90 $1,095 $91
Civic DX 2-Dr Coupe $202 $460 $374 $22 $112 $1,195 $100
Civic EX 4-Dr Sedan $202 $460 $300 $18 $90 $1,095 $91
Civic LX-S 4-Dr Sedan $202 $460 $300 $18 $90 $1,095 $91
Civic LX 2-Dr Coupe $202 $530 $374 $22 $112 $1,265 $105
Civic EX-L 4-Dr Sedan $232 $530 $300 $18 $90 $1,195 $100
Civic SI 4-Dr Sedan $232 $530 $300 $18 $90 $1,195 $100
Civic EX 2-Dr Coupe $232 $530 $374 $22 $112 $1,295 $108
Civic GX 4-Dr Sedan $232 $530 $300 $18 $90 $1,195 $100
Civic EX-L 2-Dr Coupe $232 $530 $374 $22 $112 $1,295 $108
Civic Hybrid 4-Dr Sedan $262 $460 $300 $18 $90 $1,155 $96
Civic SI 2-Dr Coupe $262 $600 $374 $22 $112 $1,395 $116
Get Your Own Custom Quote Go
Honda Civic insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $124 $246 $300 $18 $90 $778 $65
Civic VP 4-Dr Sedan $124 $290 $300 $18 $90 $822 $69
Civic LX 4-Dr Sedan $124 $290 $300 $18 $90 $822 $69
Civic DX 2-Dr Coupe $124 $290 $374 $22 $112 $922 $77
Civic EX 4-Dr Sedan $124 $290 $300 $18 $90 $822 $69
Civic LX-S 4-Dr Sedan $124 $290 $300 $18 $90 $822 $69
Civic LX 2-Dr Coupe $124 $334 $374 $22 $112 $966 $81
Civic EX-L 4-Dr Sedan $144 $334 $300 $18 $90 $886 $74
Civic SI 4-Dr Sedan $144 $334 $300 $18 $90 $886 $74
Civic EX 2-Dr Coupe $144 $334 $374 $22 $112 $986 $82
Civic GX 4-Dr Sedan $144 $334 $300 $18 $90 $886 $74
Civic EX-L 2-Dr Coupe $144 $334 $374 $22 $112 $986 $82
Civic Hybrid 4-Dr Sedan $162 $290 $300 $18 $90 $860 $72
Civic SI 2-Dr Coupe $162 $376 $374 $22 $112 $1,046 $87
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Table data does not factor in the specific area where the vehicle is garaged which can affect coverage rates substantially.

Based on the above data, using a $250 deductible costs roughly $24 more each month or $288 annually than selecting the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 31 months between claims, you would save more money if you decide on a higher deductible. The numbers below show how you can decide this on your own policy.

Average monthly premium for $250 deductibles: $99
Average monthly premium for $1,000 deductibles (subtract): - $75
Monthly savings from raising deductible: $24
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

One big caveat is that raising deductibles means you will have to pay more of your own money when you file a claim. That will require some non-essential savings in the event you need to pay more to get your vehicle repaired.

Deductible analysis

The diagram below highlights how deductible selection and can affect Honda Civic insurance premiums for different ages of insureds. The costs are based on a married male driver, full physical damage coverage, and no discounts are taken into consideration.

Local insurance agents

Many drivers would rather go talk to an agent and that is a personal choice. One of the benefits of getting free rate quotes online is the fact that you can find the lowest rates and also buy local.

Insurance agency in TucsonOnce you complete this quick form, your insurance coverage information is transmitted to agents in your area that give free quotes and help you find cheaper coverage. There is no need to leave your computer since rate quotes are delivered straight to your inbox. You can get cheaper auto insurance rates without having to waste a lot of time. If you want to quote rates from a particular provider, feel free to visit that company's website and give them your coverage information.

Deciding on a insurance company should depend on more than just a cheap price quote. These are some valid questions you should ask.

What types of car insurance agents are in Tucson?

When looking for a reliable agent, you need to know there are two different agency structures and how they differ in how they quote coverages. Agents in Tucson are classified as either exclusive or independent.

Exclusive Insurance Agents

These agents can only quote rates from one company and examples are Farmers Insurance, American Family, State Farm and Allstate. They are unable to provide other company's prices so they have no alternatives for high prices. They are very knowledgeable on their company's products which helps them sell insurance even at higher premiums. Consumers often use the same exclusive agent mostly because of the brand rather than having the cheapest rates.

Listed below are exclusive insurance agencies in Tucson willing to provide price quote information.

More Tucson agents

Independent Insurance Agents

Agents in the independent channel are not required to write business for one company so they can insure your vehicles with a variety of different insurance companies and find the cheapest rate. If you are not satisfied with one company, your agent can switch companies and you don't have to find a new agent.

When comparison shopping, we recommend you check rates from multiple independent agents in order to compare the most rates. Most have the option of insuring with less well-known companies that may provide cheaper auto insurance rates.

Listed below are independent insurance agencies in Tucson that can give you price quotes.

More Tucson agents

If you get acceptable answers for all questions you ask in addition to an acceptable price estimate, it's possible that you found an insurance agency that meets your needs to properly insure your vehicles.

Cheap car insurance premiums are possible

You just learned many ideas to shop for Honda Civic insurance online. It's most important to understand that the more price quotes you have, the higher the chance of saving money. You may even find the lowest priced car insurance comes from a company that doesn't do a lot of advertising.

Insureds leave their current company for any number of reasons including an unsatisfactory settlement offer, poor customer service, extreme rates for teen drivers and even not issuing a premium refund. Whatever your reason, switching car insurance companies is actually quite simple.

Cost effective Honda Civic insurance is possible online as well as from insurance agents, and you need to comparison shop both to have the best rate selection. Some car insurance companies do not provide online quoting and most of the time these regional carriers sell through independent agents.

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