Has it been over a year since you last compared quotes for cheaper Honda Civic insurance in Phoenix? Feel like you're a prisoner to overpriced Honda Civic insurance in Phoenix? It's quite common and there are many Phoenix drivers thinking the same thing.

Insurance rates Honda Civic in PhoenixA recent study showed that the vast majority of car insurance customers kept their coverage with the same car insurance company for at least the last four years, and 38% of drivers have never even compared rates from other companies. The average driver in Phoenix could pocket almost 50% a year by just comparing quotes, but they don't know how much savings they would realize if they swap their current policy for a cheaper one.

Since people have many options for buying lower-cost insurance for a Honda Civic in Phoenix, it can be challenging to pick a more affordable insurer.

It's a great practice to get comparison quotes occasionally because car insurance prices tend to go up over time. Despite the fact that you may have had the best price on Honda Civic insurance in Phoenix six months ago a different company probably has better rates today. Forget all the misinformation about car insurance because I'm going to teach you the quickest way to save money, get proper coverage and the best rates.

Quoting and buying the lowest cost auto insurance in Phoenix is not as confusing as people think. Essentially every vehicle owner who has to buy auto insurance will be able to lower their premiums. But Arizona drivers must understand how the larger insurance companies price insurance differently because rates fluctuate considerably.

Get cheaper rates on Honda Civic insurance in Phoenix with these car insurance discounts

Some insurers do not list the entire discount list very clearly, so the next list breaks down some of the more common and the harder-to-find discounts that you may qualify for. If you do not check that you are getting every discount you qualify for, you could be getting lower rates.

As a footnote on discounts, most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though it appears all those discounts means the company will pay you, nobody gets a free ride.

To see a list of providers who offer discounts in Phoenix, click here to view.

The best way we recommend to compare rate quotes for Honda Civic insurance in Phoenix utilizes the fact all the major auto insurance companies have advanced systems to quote your coverage. To begin a comparison, all you need to do is provide a small amount of information such as which vehicles you own, how your vehicles are used, how much education you have, and your credit rating estimate. Your details gets sent immediately to multiple different insurance companies and they respond with quotes quickly.

To start a quote now, click here then complete the form.

The companies shown below offer price comparisons in Phoenix, AZ. To locate cheap auto insurance in Arizona, it's highly recommended you get rates from several of them to get the most competitive price.

Honda Civic Insurance Rates in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $164 $314 $300 $18 $90 $886 $74
Civic VP 4-Dr Sedan $114 $266 $308 $18 $92 $798 $67
Civic LX 4-Dr Sedan $204 $506 $308 $18 $92 $1,128 $94
Civic DX 2-Dr Coupe $142 $364 $394 $24 $118 $1,042 $87
Civic EX 4-Dr Sedan $108 $284 $314 $18 $94 $818 $68
Civic LX-S 4-Dr Sedan $142 $382 $338 $20 $102 $984 $82
Civic LX 2-Dr Coupe $160 $492 $454 $26 $136 $1,268 $106
Civic EX-L 4-Dr Sedan $146 $354 $282 $16 $84 $882 $74
Civic SI 4-Dr Sedan $146 $354 $282 $16 $84 $882 $74
Civic EX 2-Dr Coupe $222 $598 $488 $28 $146 $1,482 $124
Civic GX 4-Dr Sedan $250 $620 $306 $18 $92 $1,286 $107
Civic EX-L 2-Dr Coupe $222 $620 $394 $24 $118 $1,378 $115
Civic Hybrid 4-Dr Sedan $184 $290 $392 $24 $118 $1,008 $84
Civic SI 2-Dr Coupe $156 $370 $382 $22 $114 $1,044 $87
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Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Table data does not factor in vehicle garaging location which can influence coverage rates considerably.

Full coverage or liability only

The example below illustrates the difference between Honda Civic annual premium costs with liability coverage only compared to full coverage. The information is based on no claims or driving citations, $500 deductibles, married female driver, and no additional discounts are factored in.

When to drop full coverage

There isn't a written rule of when to stop paying for comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is about 10% or more of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let's pretend your Honda Civic replacement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $4,000 after paying the physical damage deductible. If you are paying more than $400 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are a few situations where removing full coverage is not financially feasible. If you still owe money on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

Auto insurance deductibles

The hardest decision when buying coverage is the level to set your comp and collision deductibles. The following insurance rates may aid in understanding the costs and benefits of buying low and high insurance deductibles. The first rate comparisons uses a $100 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.

Honda Civic insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $224 $466 $300 $18 $90 $1,123 $94
Civic VP 4-Dr Sedan $224 $548 $300 $18 $90 $1,205 $100
Civic LX 4-Dr Sedan $224 $548 $300 $18 $90 $1,205 $100
Civic DX 2-Dr Coupe $224 $548 $374 $22 $112 $1,305 $109
Civic EX 4-Dr Sedan $224 $548 $300 $18 $90 $1,205 $100
Civic LX-S 4-Dr Sedan $224 $548 $300 $18 $90 $1,205 $100
Civic LX 2-Dr Coupe $224 $632 $374 $22 $112 $1,389 $116
Civic EX-L 4-Dr Sedan $258 $632 $300 $18 $90 $1,323 $110
Civic SI 4-Dr Sedan $258 $632 $300 $18 $90 $1,323 $110
Civic EX 2-Dr Coupe $258 $632 $374 $22 $112 $1,423 $119
Civic GX 4-Dr Sedan $258 $632 $300 $18 $90 $1,323 $110
Civic EX-L 2-Dr Coupe $258 $632 $374 $22 $112 $1,423 $119
Civic Hybrid 4-Dr Sedan $292 $548 $300 $18 $90 $1,273 $106
Civic SI 2-Dr Coupe $292 $716 $374 $22 $112 $1,541 $128
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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 claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Prices do not factor in specific location which can influence rates greatly.

Using the data above, we can ascertain that using a $100 deductible would cost the average driver about $34 more each month or $408 annually than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you average more than 26 months between claim filings, you would probably save some money if you choose a higher deductible. Here's how you can make your own decision.

Average monthly premium for $100 deductibles: $109
Average monthly premium for $1,000 deductibles (subtract): - $75
Monthly savings from raising deductible: $34
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $34
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

An important thing to remember is that increasing deductibles to lower your rates means you will have to pay more out-of-pocket when you do file a claim. You will want to have enough disposable savings in order to pay more for the deductible.

Careless driving habits raise auto insurance rates

The information below shows how violations and at-fault claims can influence Honda Civic insurance prices for different categories of driver ages. The information is based on a single male driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

Buy Honda Civic Insurance for Less

Consumers need to have an understanding of the different types of things that come into play when calculating car insurance rates. When you understand what influences your rates, this allows you to make educated decisions that may result in better car insurance rates.

Excellent credit scores equal low rates - Your credit score will be a significant factor in determining what you pay for car insurance. Therefore, if your credit leaves room for improvement, you could pay less to insure your Honda Civic if you improve your credit rating. Insureds that have excellent credit tend to be more responsible and file fewer claims as compared to drivers with poor credit.

Impacts performance impacts prices - The performance level of the car you are buying insurance for makes a substantial difference in how high your rates are. The lowest premiums are usually for economy passenger cars, but your final cost has many other factors. Since the Honda Civic falls in the passenger car class, rates will be similar in price or lower compared to average rates in Phoenix.

Insure car and home with the same company - Most larger insurers give discounts to insureds who have multiple policies with them such as combining an auto and homeowners policy. Even if you qualify for this discount already, it's in your best interest to compare other Phoenix Civic insurance rates to confirm you are receiving the best rates possible. You may still find lower rates by buying car insurance from a different company.

Car features impact prices - Owning a car with advanced anti-theft systems can help lower your rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop vehicle theft.

Don't skimp on liability protection - A critical coverage on your policy, liability insurance is the coverage that protects you if ever you are ruled to be at fault for personal injury or accident damage. It provides legal defense coverage to attempt to prove you were not liable. This coverage is very inexpensive compared to comp and collision, so do not skimp.

Honda Civic claim probability - Insurance companies use statistical claims data to help calculate a profitable premium price. Vehicles that statistically have higher prevalence or dollar amount of losses will be charged more to insure. The table shown below demonstrates the actual insurance loss data for Honda Civic vehicles.

For each type of coverage, the claim amount for all vehicles, as an average, equals 100. Values that are under 100 suggest a positive loss record, while percentages above 100 indicate more frequent losses or an increased chance of a larger loss.

Insurance Loss Ratings for Honda Civic Vehicles

Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Honda Civic 92 105 68 127 135 121
Honda Civic Hybrid 90 85 106 105 78
Honda Civic Si 126 97 117 124 104

Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Will just any policy work for me?

When quoting and choosing coverage online or from an agent for your personal vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining whether or not you would benefit from professional advice.

If you don't know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you don't have a local agent, take a second and complete this form.

You may need advice from an insurance agency

Many people just want to get advice from a local agent and there is nothing wrong with that. One of the best bonuses of getting online price quotes is that you can obtain cheap rate quotes and also buy local. Supporting neighborhood insurance agencies is important particularly in Phoenix.

Phoenix insurance agentsOnce you complete this short form, the coverage information is transmitted to agents in your area that can give you free Phoenix car insurance quotes for your auto insurance coverage. You don't have to find an agent on your own because prices are sent directly to you. You can find better rates AND an agent nearby. If you need to get a comparison quote from a specific auto insurance provider, feel free to search and find their rate quote page and give them your coverage information.

Independent or Exclusive: It's your choice

If you are searching for a reliable insurance agency, it helps to know the two types of agencies and how they are slightly different. Auto insurance agents in Phoenix can either be independent agents or exclusive agents.

Independent Auto Insurance Agents (or Brokers)

Independent agencies do not write with just one company so they have the ability to put coverage through many different auto insurance companies and potentially find a lower price. If you want to switch companies, the agent simply finds a different carrier and you don't have to do anything. If you are comparing rate quotes, you need to get insurance quotes from at least one independent agent so that you have a good selection of quotes to compare.

Below is a list of independent agents in Phoenix that may be able to give you pricing information.

1529 W Thomas Rd - Phoenix, AZ 85015 - (602) 241-9200 - View Map

4411 N 19th Ave - Phoenix, AZ 85015 - (800) 972-1893 - View Map

2880 E Northern Ave #100 - Phoenix, AZ 85028 - (602) 992-9750 - View Map

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Exclusive Agencies

Agents that choose to be exclusive can only write with one company such as State Farm or Allstate. They are unable to shop your coverage around so keep that in mind. Exclusive insurance agents receive a lot of sales training on their company's products which helps overcome the inability to quote other rates.

Below are exclusive agents in Phoenix willing to provide price quote information.

4225 W Bell Rd - Phoenix, AZ 85053 - (602) 938-4491 - View Map

21043 N Cave Creek Rd A12 - Phoenix, AZ 85024 - (602) 569-6600 - View Map

314 E Thomas Rd - Phoenix, AZ 85012 - (602) 277-5776 - View Map

More insurance agents

Finding the right car insurance agent requires more thought than just a low price. These are some questions your agent should answer.

Insuring your vehicle just makes sense

Despite the high cost of buying insurance for a Honda Civic in Phoenix, insuring your vehicle may be required and benefits you in several ways.

The benefits of carrying adequate insurance more than cancel out the cost, particularly when you have a large claim. As of last year, the average driver in Arizona is wasting up to $700 annually so compare quotes from several companies at every renewal to save money.

Affordable insurance rates are possible

Some insurance providers may not provide online quoting and usually these regional carriers work with independent agencies. More affordable insurance in Phoenix is attainable from both online companies in addition to local insurance agencies, so compare prices from both in order to have the best price selection to choose from.

Throughout this article, we presented many ideas to get a better price on Honda Civic insurance in Phoenix. The key thing to remember is the more rate comparisons you have, the better likelihood of getting affordable Phoenix car insurance quotes. Consumers may even find the lowest car insurance rates come from some of the lesser-known companies.

Drivers switch companies for a number of reasons such as not issuing a premium refund, being labeled a high risk driver, high rates after DUI convictions or even policy cancellation. Whatever your reason, finding the right insurance provider is less work than it seems.

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