Find Cheaper Honda Civic Insurance in Plano

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Regrettably, most insurance policyholders have remained with the same insurance company for four years or more, and just short of a majority have never taken the time to shop around. Plano drivers can cut their rates by roughly 70% a year, but most tend to underestimate the big savings they would realize if they swap their current policy for a cheaper one.

Insurance rates Honda Civic in PlanoThe preferred way to find cheaper Honda Civic insurance is to regularly compare price quotes from insurers who sell insurance in Plano. Rates can be compared by following these guidelines.

Step 1: Get an understanding of auto insurance and the changes you can make to keep rates down. Many factors that are responsible for high rates like careless driving and poor credit history can be eliminated by improving your driving habits or financial responsibility.

Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like Progressive and State Farm, while independent agencies can provide prices from multiple insurance companies.

Step 3: Compare the quotes to your current policy premium to determine if switching companies saves money. If you find a better price and switch companies, make sure there is no lapse in coverage.

Step 4: Give proper notification to your current agent or company of your decision to cancel your existing policy and submit the signed application along with the required initial payment for the new policy. Once coverage is bound, put the new proof of insurance certificate in your glove compartment.

The key thing to remember is to compare similar coverage information on each price quote and and to look at as many carriers as you can. Doing this helps ensure an accurate price comparison and a complete rate analysis.

To find the best auto insurance rates, there are several ways to obtain and compare prices from auto insurance companies in your area. The best way to find competitive insurance rates is to perform an online rate comparison.

It's so simple to compare auto insurance rate quotes online takes the place of having to drive around to different agent offices. Comparing online rate quotes can eliminate the need for a local agent unless you have a need for the peace of mind that you can only get from talking to an agent. It is possible to price shop your coverage online but still have the advice of a local agent.

It's important to know that more quotes provides better odds of finding the best offered rates. Some regional insurers cannot provide Plano Civic insurance quotes online, so it's important to compare price estimates from them as well.

The car insurance companies shown below provide comparison quotes in Texas. If you want cheap auto insurance in Plano, we recommend you get price quotes from several of them to get the most competitive price.

Three good reasons to insure your Civic

Despite the fact that car insurance is not cheap in Plano, car insurance may be required for several reasons.

First, the majority of states have minimum mandated liability insurance limits which means state laws require a specific level of liability insurance if you drive a vehicle. In Texas 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.

Second, if you have a loan on your Honda Civic, it's most likely the lender will have a requirement that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the bank or lender will purchase a policy for your Honda at a much higher rate and require you to reimburse them the higher price.

Third, insurance protects not only your vehicle 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. As part of your policy, liability insurance also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, your policy will cover the damage repairs after a deductible is paid.

The benefits of carrying enough insurance greatly outweigh the cost, particularly when you have a large claim. As of last year, the average driver in Texas overpays more than $800 each year so shop around at every renewal to save money.

Rate information and statistics

The price information displayed next covers estimates of coverage costs for Honda Civic models. Learning a little about how auto insurance premiums are established is important to be able to make smart choices when selecting a policy.

Honda Civic Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $222 $504 $366 $22 $110 $1,224 $102
Civic VP 4-Dr Sedan $222 $594 $366 $22 $110 $1,314 $110
Civic LX 4-Dr Sedan $222 $594 $366 $22 $110 $1,314 $110
Civic DX 2-Dr Coupe $222 $594 $458 $28 $136 $1,438 $120
Civic EX 4-Dr Sedan $222 $594 $366 $22 $110 $1,314 $110
Civic LX-S 4-Dr Sedan $222 $594 $366 $22 $110 $1,314 $110
Civic LX 2-Dr Coupe $222 $682 $458 $28 $136 $1,526 $127
Civic EX-L 4-Dr Sedan $256 $682 $366 $22 $110 $1,436 $120
Civic SI 4-Dr Sedan $256 $682 $366 $22 $110 $1,436 $120
Civic EX 2-Dr Coupe $256 $682 $458 $28 $136 $1,560 $130
Civic GX 4-Dr Sedan $256 $682 $366 $22 $110 $1,436 $120
Civic EX-L 2-Dr Coupe $256 $682 $458 $28 $136 $1,560 $130
Civic Hybrid 4-Dr Sedan $288 $594 $366 $22 $110 $1,380 $115
Civic SI 2-Dr Coupe $288 $772 $458 $28 $136 $1,682 $140
Get Your Own Custom Quote Go

Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rates do not factor in Plano location which can revise price quotes considerably.

Physical damage deductibles

One of the most common auto insurance questions is how high should your deductibles be. The comparisons below may aid in understanding the difference in cost when you buy lower versus higher insurance deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.

Honda Civic insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $286 $592 $382 $22 $114 $1,421 $118
Civic VP 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Civic LX 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Civic DX 2-Dr Coupe $286 $698 $476 $28 $142 $1,655 $138
Civic EX 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Civic LX-S 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Civic LX 2-Dr Coupe $286 $804 $476 $28 $142 $1,761 $147
Civic EX-L 4-Dr Sedan $328 $804 $382 $22 $114 $1,675 $140
Civic SI 4-Dr Sedan $328 $804 $382 $22 $114 $1,675 $140
Civic EX 2-Dr Coupe $328 $804 $476 $28 $142 $1,803 $150
Civic GX 4-Dr Sedan $328 $804 $382 $22 $114 $1,675 $140
Civic EX-L 2-Dr Coupe $328 $804 $476 $28 $142 $1,803 $150
Civic Hybrid 4-Dr Sedan $370 $698 $382 $22 $114 $1,611 $134
Civic SI 2-Dr Coupe $370 $908 $476 $28 $142 $1,949 $162
Get Your Own Custom Quote Go
Honda Civic insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $158 $312 $382 $22 $114 $988 $82
Civic VP 4-Dr Sedan $158 $368 $382 $22 $114 $1,044 $87
Civic LX 4-Dr Sedan $158 $368 $382 $22 $114 $1,044 $87
Civic DX 2-Dr Coupe $158 $368 $476 $28 $142 $1,172 $98
Civic EX 4-Dr Sedan $158 $368 $382 $22 $114 $1,044 $87
Civic LX-S 4-Dr Sedan $158 $368 $382 $22 $114 $1,044 $87
Civic LX 2-Dr Coupe $158 $424 $476 $28 $142 $1,228 $102
Civic EX-L 4-Dr Sedan $182 $424 $382 $22 $114 $1,124 $94
Civic SI 4-Dr Sedan $182 $424 $382 $22 $114 $1,124 $94
Civic EX 2-Dr Coupe $182 $424 $476 $28 $142 $1,252 $104
Civic GX 4-Dr Sedan $182 $424 $382 $22 $114 $1,124 $94
Civic EX-L 2-Dr Coupe $182 $424 $476 $28 $142 $1,252 $104
Civic Hybrid 4-Dr Sedan $206 $368 $382 $22 $114 $1,092 $91
Civic SI 2-Dr Coupe $206 $478 $476 $28 $142 $1,330 $111
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium costs do not factor in your specific Plano location which can raise or lower rates substantially.

Based on the above data, using a $100 deductible costs an average of $44 more each month or $528 a year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 20 months between claims, you would more than likely save some money if you choose a higher deductible.

The chart below illustrates how your choice of deductibles and can impact Honda Civic annual premium costs for each different age group. The price estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

Lower rate quotes on Honda Civic insurance in Plano with these insurance discounts

Not many people think insurance is cheap, but you may qualify for discounts to cut the cost considerably. Certain discounts will be applied when you purchase, but lesser-known reductions have to be specially asked for before being credited. If you are not receiving all the discounts you deserve, you could be saving more on your insurance.Cheaper insurance with discounts

  • Buy New and Save - Buying insurance on a new vehicle can cost up to 25% less because newer models keep occupants safer.
  • Senior Citizen Rates - If you qualify as a senior citizen, you could receive lower premium rates.
  • Anti-lock Brake System - Cars and trucks that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more on Civic insurance in Plano.
  • Early Payment Discounts - By making one initial payment rather than spreading payments over time you can avoid the installment charge.
  • Discount for Multiple Policies - When you combine your auto and homeowners insurance and place coverage with the same company you could earn a discount of as much as 10 to 15 percent.
  • Seat Belts Save more than Lives - Requiring all passengers to wear their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.

A little disclaimer on discounts, most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like comp or med pay. Even though the math looks like all those discounts means the company will pay you, companies wouldn't make money that way.

The example below illustrates the difference between Honda Civic yearly insurance costs with and without discounts applied to the policy rates. The costs are based on a female driver, no accidents, no driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, claim-free, multi-car, and safe-driver discounts applied.

The best insurance companies and some of the discounts can be read below.

  • State Farm offers discounts including Steer Clear safe driver discount, good driver, multiple policy, accident-free, Drive Safe & Save, and driver's education.
  • Farmers Insurance policyholders can earn discounts including switch companies, bundle discounts, teen driver, electronic funds transfer, pay in full, mature driver, and homeowner.
  • GEICO may offer discounts for federal employee, seat belt use, air bags, multi-policy, and military active duty.
  • American Family has discounts for Steer into Savings, air bags, bundled insurance, defensive driver, and good student.
  • Nationwide may include discounts for easy pay, good student, defensive driving, business or organization, multi-policy, and anti-theft.
  • Progressive offers premium reductions for online signing, multi-vehicle, multi-policy, online quote discount, homeowner, continuous coverage, and good student.

If you want affordable Honda Civic insurance quotes, ask each company which credits you are entitled to. Discounts may not be offered everywhere.