Compare Honda Civic Insurance Rate Quotes in El Paso

It’s safe to assume that car insurance companies don’t want you shop around. Drivers who shop around once a year are very likely to buy a different policy because the odds are good of finding a more affordable policy premium. A study discovered that drivers who compared prices once a year saved on average $70 a month as compared to drivers who don’t regularly compare prices.

If saving the most money on car insurance in El Paso is your goal, then having some insight into the best ways to find and compare insurance coverage can help simplify the process.

The easiest way to get more affordable auto insurance rates is to start doing an annual price comparison from insurers who provide auto insurance in El Paso. You can compare prices by following these guidelines.

1. It will benefit you to learn about individual coverages and the measures you can control to drop your rates. Many risk factors that drive up the price like your driving record and a less-than-favorable credit rating can be eliminated by improving your driving habits or financial responsibility.
2. Compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like GEICO or Farmers Insurance, while independent agents can quote rates for a wide range of insurance providers. Start a quote
3. Compare the new rates to your existing rates and determine if cheaper Civic coverage is available in El Paso. If you find better rates and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
4. Provide notification to your current agent or company of your decision to cancel the current policy. Submit a down payment and signed policy application to your new agent or company. Make sure you keep the new proof of insurance certificate somewhere easily accessible.

A key point to remember is that you use identical coverage information on each price quote and and to get prices from as many companies as you can. This ensures an accurate price comparison and the best price quote selection.

The method we recommend to compare rate quotes for Honda Civic insurance in El Paso is to realize most insurance companies participate in online systems to give free rates quotes. All consumers are required to do is provide a small amount of information like whether you are single or married, if you require a SR-22, if you lease or own, and the year, make and model of vehicles. That rating information is then submitted to insurance carriers in your area and you should receive rate quotes quickly.

To check Honda Civic insurance prices now, click here and find out if you can get cheaper insurance in El Paso.

The car insurance companies shown below are our best choices to provide comparison quotes in El Paso, TX. If multiple companies are listed, we recommend you click on several of them to get the most affordable price.

Verify you’re applying every discount

Insurance can cost an arm and a leg, but there could be available discounts to reduce the price significantly. Some discounts apply automatically at the time you complete a quote, but less common discounts must be inquired about in order for you to get them.

• Payment Discounts – If paying your policy premium upfront as opposed to paying monthly you can avoid monthly service charges.
• Sign Early and Save – Some car insurance companies reward drivers for renewing your policy prior to your current Civic insurance policy expiration. You may see this discount when you get El Paso auto insurance quotes online.
• Discount for Multiple Policies – When you have multiple policies with the same insurance company you may save as much as 10 to 15 percent.
• Braking Control Discount – Cars and trucks that have anti-lock braking systems prevent accidents so companies give up to a 10% discount.
• Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 25 to 30%.
• Drivers Ed for Students – Have your child participate in a local driver’s education class as it will make them better drivers and lower rates.
• Driving Data Discount – Drivers who elect to allow their car insurance company to spy on driving habits by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they have good driving habits.

Just know that some of the credits will not apply to the whole policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, you’re out of luck.

The chart below shows the difference between Honda Civic insurance prices with and without discounts applied to the policy rates. The premium estimates are based on a male driver, no violations or claims, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, claim-free, multi-car, marriage, and safe-driver discounts applied.

Larger car insurance companies and a partial list of their discounts are outlined below.

• American Family offers premium reductions for defensive driver, good student, bundled insurance, Steer into Savings, mySafetyValet, accident-free, and multi-vehicle.
• State Farm includes discounts for Drive Safe & Save, accident-free, driver’s education, good driver, multiple autos, and Steer Clear safe driver discount.
• 21st Century has discounts for defensive driver, 55 and older, driver training, homeowners, and air bags.
• Travelers has savings for good student, driver training, payment discounts, hybrid/electric vehicle, student away at school, home ownership, and new car.
• GEICO may have discounts that include multi-policy, good student, seat belt use, anti-lock brakes, five-year accident-free, and air bags.

If you want affordable El Paso auto insurance quotes, ask every prospective company which credits you are entitled to. Discounts may not apply in every state.

Detailed insurance information

The rate information shown below showcases different insurance prices for Honda Civic models. Learning more about how policy premiums are calculated is important for you to make smart choices when choosing a car insurance company.

Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Premium costs do not factor in specific El Paso garaging location which can influence auto insurance rates significantly.

Higher deductibles save money

One common question asked by El Paso drivers is which deductibles should you choose. The rates below may help you to understand the differences in price between high and low comp and collision deductibles. The first set of prices uses a $100 deductible and the second set of rates uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in specific location information which can revise coverage rates noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs approximately $30 more each month or $360 annually across all Honda Civic models than requesting the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 13 months between claims, you would save money if you opt for a higher deductible. The table below shows an example of how this determination is made.

One big caveat is that raising deductibles to get cheaper rates results in a higher out-of-pocket expense when you file a claim. That will force you to have some savings in the bank in the event you have to pay more for the deductible.

Rate difference between full and liability-only coverage

The information below visualizes the comparison of Honda Civic premium costs when comparing full coverage to state minimum liability only. The prices are based on no accidents or driving violations, $250 deductibles, marital status is single, and no discounts are applied to the premium.

Guidelines for dropping full coverage

There is no definitive formula of when to drop full coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Honda Civic replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $8,000 after the deductible is paid. If premiums are more than $800 a year for your policy with full coverage, then you might want to think about dropping full coverage.

There are some conditions where removing full coverage is not recommended. If you haven’t paid off your loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Learn How to Lower Your Insurance Costs

Many things are taken into consideration when quoting car insurance. Some factors are common sense such as your driving history, but other criteria are more transparent like where you live or your commute time.

The factors shown below are most of the major factors car insurance companies consider when setting your premiums.

Cut prices and deter theft – Driving a car with an alarm system can earn a premium discount. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.

Youthful drivers pay more – Drivers with little experience have a tendency to be inattentive and easily distracted when at the wheel of a vehicle therefore car insurance rates are much higher. Having to add a inexperienced driver to your policy can be very expensive. Older insureds tend to be more responsible, cause fewer claims and accidents, and receive fewer citations.

The next chart is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.

No policy lapses lowers car insurance rates – Having a gap between insurance policy dates is a sure-fire way to bump up your car insurance costs. And not only will your rates increase, failure to provide proof of insurance could result in fines and jail time. You may then be required to prove you have insurance by filing a SR-22 with the Texas DMV.

File car insurance claims and pay more – Insurance companies in Texas give better rates to people who are not frequent claim filers. If you file a lot of claims you can expect either a policy non-renewal or much higher rates. Your insurance policy is meant to be used in the event of the large, substantial claims.

Defend yourself with liability coverage – Your car insurance policy’s liability coverage will provide protection if ever you are found to be at fault for damages caused by your negligence. It will provide you with a defense in court up to the limits shown on your policy. Liability is cheap compared to comp and collision, so drivers should carry high limits.

Tickets hurt – How you drive has a huge affect on how much you pay. Only having one moving violation may cause rates to rise substantially. Good drivers pay less for auto insurance than bad drivers. Drivers unfortunate enough to have flagrant citations like DWI, reckless driving or hit and run convictions are required to submit a SR-22 form with their state motor vehicle department in order to drive a vehicle legally.

The example below illustrates how violations and accident claims impact Honda Civic premium costs for each age group. The costs are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.

Honda Civic statistical loss data – Companies study historical loss data when they calculate premium rates for each model. Vehicles that the data shows to have increased losses will cost more to insure. The data below shows the loss history for Honda Civic vehicles.

For each policy coverage, the loss probability for all vehicles combined as an average equals 100. Percentage numbers below 100 suggest a positive loss record, while numbers above 100 indicate more frequent claims or a tendency for claims to be larger.