Are you a victim of overpriced Honda Civic insurance in Durham? It’s a common feeling and there are lots of people in the same boat.
It’s a known fact that insurance companies want to keep your business as long as possible. Insureds who shop around for the cheapest rate will, in all likelihood, move their business because there is a great chance of finding discount prices. A recent study showed that drivers who compared rates regularly saved over $72 a month compared to those who never shopped around for lower prices.
If finding the cheapest price on Honda Civic insurance in Durham is why you’re here, then having an understanding of how to get price quotes and compare coverages can make shopping around easier.
How to find discount Honda Civic insurance in Durham
To save the most money, the best way to quote cheaper Honda Civic insurance in Durham is to make a habit of regularly comparing prices from different companies who provide car insurance in North Carolina.
Step 1: Gain an understanding of car insurance and the changes you can make to prevent rate increases. Many policy risk factors that result in higher rates like traffic citations and poor credit can be amended by making minor driving habit or lifestyle changes. Keep reading for more details to keep prices down and get bigger discounts.
Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from one company like GEICO or Allstate, while independent agents can provide rate quotes for a wide range of insurance providers.
Step 3: Compare the new quotes to your current policy premium to determine if switching companies saves money. If you can save some money and decide to switch, ensure coverage does not lapse between policies.
Step 4: Notify your agent or company of your intention to cancel your current car insurance policy and submit a down payment and signed policy application for the new coverage. As soon as coverage is bound, keep the new certificate verifying proof of insurance in a readily accessible location in your vehicle.
A tip to remember is to compare the same liability limits and deductibles on each price quote and and to get prices from all possible companies. This helps ensure a fair rate comparison and a thorough price selection.
Due to the large number of different company options, it’s difficult to pick the most affordable company.
It is always a good idea to get comparison quotes periodically because insurance prices are constantly changing. Even if you think you had the best price on Honda Civic insurance in Durham last year other companies may now be cheaper. There is a lot of wrong information about Civic insurance on the web, but we’re going to give you some proven techniques to lower your insurance bill.
Compare Honda Civic insurance rates
It’s important to know that getting more free quotes will increase your chances of finding the best rates. Some insurance companies are not set up to provide online rate quotes, so it’s important to compare price quotes from the smaller companies as well.
The companies in the list below can provide comparison quotes in North Carolina. To find cheap car insurance in North Carolina, it’s a good idea that you visit as many as you can to get the most competitive price.
Car insurance just makes sense
Despite the potentially high cost of Honda Civic insurance, maintaining insurance may be required for several reasons.
- The majority of states have minimum liability requirements which means the state requires a minimum amount of liability insurance in order to drive the car legally. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a lien on your Civic, it’s guaranteed your bank will force you to have full coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank or lender will purchase a policy for your Honda at a much higher premium rate and require you to fork over much more than you were paying before.
- Insurance protects not only your Honda but also your financial assets. It will also cover most medical and hospital costs for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If your Honda gets damaged, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of carrying adequate insurance definitely exceed the cost, particularly when you have a large claim. As of last year, the average driver in North Carolina is overpaying more than $700 annually so you should quote your policy with other companies once a year at a minimum to make sure the price is not too high.
Honda Civic insurance rate analysis
The rate table shown below covers detailed analysis of insurance rates for Honda Civic models. Having a better idea how car insurance premiums are calculated can help drivers make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $90 | $200 | $262 | $16 | $78 | $646 | $54 |
| Civic VP 4-Dr Sedan | $90 | $236 | $262 | $16 | $78 | $682 | $57 |
| Civic LX 4-Dr Sedan | $90 | $236 | $262 | $16 | $78 | $682 | $57 |
| Civic DX 2-Dr Coupe | $90 | $236 | $326 | $20 | $98 | $770 | $64 |
| Civic EX 4-Dr Sedan | $90 | $236 | $262 | $16 | $78 | $682 | $57 |
| Civic LX-S 4-Dr Sedan | $90 | $236 | $262 | $16 | $78 | $682 | $57 |
| Civic LX 2-Dr Coupe | $90 | $272 | $326 | $20 | $98 | $806 | $67 |
| Civic EX-L 4-Dr Sedan | $102 | $272 | $262 | $16 | $78 | $730 | $61 |
| Civic SI 4-Dr Sedan | $102 | $272 | $262 | $16 | $78 | $730 | $61 |
| Civic EX 2-Dr Coupe | $102 | $272 | $326 | $20 | $98 | $818 | $68 |
| Civic GX 4-Dr Sedan | $102 | $272 | $262 | $16 | $78 | $730 | $61 |
| Civic EX-L 2-Dr Coupe | $102 | $272 | $326 | $20 | $98 | $818 | $68 |
| Civic Hybrid 4-Dr Sedan | $116 | $236 | $262 | $16 | $78 | $708 | $59 |
| Civic SI 2-Dr Coupe | $116 | $306 | $326 | $20 | $98 | $866 | $72 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rate information does not factor in the specific area where the vehicle is garaged which can lower or raise coverage prices considerably.
The diagram below highlights how deductible selection and can raise or lower Honda Civic insurance premiums for different ages of insureds. The rate quotes are based on a married male driver, comp and collision included, and no discounts are taken into consideration.
Poor driving habits will raise your auto insurance rates
The example below shows how violations and accident claims raise Honda Civic premium costs for different insured age categories. The prices are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.
Annual premiums for males versus females in Durham
The illustration below shows the difference between Honda Civic premium costs for male and female drivers. The data assumes no violations or claims, full physical damage coverage, $1,000 deductibles, drivers are single, and no additional discounts are factored in.
Full coverage or liability only
The diagram below visualizes the comparison of Honda Civic yearly insurance costs with full coverage compared to only the North Carolina minimum liability coverage. The premium estimates are based on no claims or violations, $250 deductibles, single status, and no discounts are taken into consideration.
Should you pay for full coverage?
There is no definitive guideline of when to drop physical damage coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let’s pretend your Honda Civic replacement value is $7,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $6,000 after the policy deductible has been paid. If you are paying over $600 a year for your policy with full coverage, then it might be time to consider dropping full coverage.
There are a few situations where buying only liability insurance is not financially feasible. If you still owe a portion of the original loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage in place.
Save money with discounts
Buying auto insurance is not cheap, but there’s a good chance there are discounts that may help make it more affordable. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be manually applied before you will receive the discount.
- Senior Citizens – Seniors may be able to get lower premium rates.
- Discounts for Seat Belt Usage – Buckling up and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
- One Accident Forgiven – Not really a discount, but some insurance companies may permit one accident before your rates go up if your claims history is clear for a certain period of time.
- Switch and Save Discount – A few companies allow discounts for buying a policy before your current Civic insurance policy expires. This discount can save up to 10%.
- Drivers Education – It’s a good idea to have your young drivers participate in a local driver’s education class if offered at their school.
- Discount for Good Grades – Maintaining excellent grades can get you a discount of up to 25%. This discount can apply until age 25.
- Bundled Policy Discount – If you insure your home and vehicles and insure them with the same company you could earn a discount of over 10 percent off each policy depending on the company.
Discounts save money, but please remember that some of the credits will not apply to your bottom line cost. Most only reduce individual premiums such as comp or med pay. So despite the fact that it appears you can get free auto insurance, nobody gets a free ride.
The diagram below visualizes the comparison of Honda Civic yearly insurance costs with and without discounts being applied to the rates. The data assumes a male driver, a clean driving record, no at-fault accidents, North Carolina state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, safe-driver, multi-policy, homeowner, and marriage discounts applied.
To view auto insurance companies who offer cheap Honda Civic insurance quotes in Durham in Durham, click here to view.
Situations that may require an agent’s advice
When quoting and choosing the best car insurance coverage, there really is not a “best” method to buy coverage. Your needs are unique to you so your insurance needs to address that.
Here are some questions about coverages that might point out whether your personal situation could use an agent’s help.
- Are rock chip repairs covered?
- Why do I have to buy liability insurance?
- Is my vehicle covered by my employer’s policy when using it for work?
- Does my liability insurance cover pulling a trailer or camper?
- Why am I required to get a high-risk car insurance policy?
- How high should my uninsured/underinsured coverage be in North Carolina?
- Is other people’s property covered if stolen from my vehicle?
- How much will a speeding ticket raise my rates?
- Why am I required to buy high-risk coverage?
- Will filing a claim cost me more?
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.
Which car insurance company is best in North Carolina?
Selecting a highly-rated insurer can be difficult considering how many companies sell insurance in North Carolina. The company information in the next section can help you pick which car insurance companies to look at purchasing a policy from.
Top 10 Durham Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
- Esurance
Top 10 Durham Car Insurance Companies Overall
- Travelers
- USAA
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
- American Family