Cheap Insurance Quotes for a Honda Civic in Nebraska

Since we’re writing about car insurance, the word “cheap” should never be used anywhere to describe car insurance rates. Unfortunately, cheap car insurance for a Honda Civic is almost non-existent. Don’t let that discourage you, because we are going to show you how you can still find and buy coverage that is cheaper than what you have now.

Buying cheap coverage for a Honda Civic in Nebraska hinges on a complex formula that considers things like whether you are single or married, if you have a coverage lapse, and any prior driving offenses. Drivers in Nebraska pay around $830 annually to buy insurance for a Honda Civic, but that policy rate is a projection that rates a 50-year-old married female driver who requires full coverage and $500 deductibles.

But there is a good chance that you are not a 50-year-old female, possibly single instead of married, or maybe you prefer liability limits higher than required by Nebraska state law. Having what appears to be a very minor change in rating criteria or coverage limits can make a big difference in the policy cost.

Each driver’s needs are different, and that demonstrates why the most reliable method for finding affordable rates for your Honda is to compare as many rates as you can. Get your free quotes now and you will receive price comparisons from some of the best companies around.

Insure Your Honda for Less

The trim level of your Civic has an effect on the annual cost of coverage, so the cost to insure a Civic DX 4-Dr Sedan will be $274 less than the cost to insure the higher-priced Civic SI 2-Dr Coupe model, as shown by the rates below.

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Table data does not factor in your specific Nebraska location which can impact price quotes greatly.

Comparing rates for low-cost car insurance is not the easiest thing to do, and deciding which company quotes the cheapest car insurance rates for a Honda Civic takes even more diligence. Each insurer has their own guidelines to set policy rates, so we’ll take a look at the most affordable car insurance companies in Nebraska.

It’s a good idea to be aware that Nebraska car insurance rates are determined by lots of factors which can significantly increase or decrease the policy premium. That is why it is so important to shop around with many companies to get cheap car insurance quotes for a Honda Civic. Prices are calculated by many different factors and can change without notice, so the cheapest option the last time you shopped around may now not even be in the top five.

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Safeco generally has some of the lowest car insurance rates in Nebraska at around $788 annually. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska also rank well as some of the more affordable Nebraska car insurance companies.

In the above example, if you are currently insured with Farmers Mutual of Nebraska and switched to The Hartford, you might achieve annual savings of around $116. Drivers with Farm Bureau Mutual could save as much as $137 a year, and Nationwide customers might see rate reductions of $164 a year.

To get a quick, customized rate comparison, click here to begin a quote or visit any of the companies below.

These premiums are averaged for all ages of drivers and types of vehicles and are not factoring in a specific rating modification for a Honda Civic. So the auto insurance company that fits your needs best may not even be in the chart above. That point stresses why you need to compare prices as often as possible using your own driver information and specific vehicle type.

Full coverage versus liability only rates

Finding cheap insurance for a Honda Civic in Nebraska is important to the majority of drivers, and one of the best ways to reduce the cost of insurance is to not insure for full coverage. The illustration below compares insurance premiums with and without full coverage. The premium estimates are based on no accidents or driving violations, $500 deductibles, marital status is single, and no discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 3015,1067],[‘Age 30’, 1541,589],[‘Age 40’, 1527,545],[‘Age 50’, 1395,511],[‘Age 60’, 1353,503],[‘Age 70’, 1669,669]]);var options = {title: ‘Comparison of Rates for Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Honda Civic in Nebraska’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

Averaged for all ages 20 through 70, full coverage on your policy costs an extra $1,750 per year more than just buying liability only. That is a significant amount which raises the question if you should buy full coverage at all. There is no set guideline of when to phase out full coverage, but there is a guideline you can consider. If the annual cost of having full coverage is more than 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

There are some cases where removing full coverage is not a good idea. If you have an outstanding loan on your vehicle, you are required to maintain full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should maintain full coverage.

Who has the cheapest Civic insurance?

Nebraska car insurance rates are based on many factors that will increase or decrease the cost of having a policy. Simply having another birthday, marrying your spouse, or getting a DUI can trigger changes in premium that can now make some companies cheaper than before.

Not only may your risk profile change, but auto insurance companies file new rates every year as an adjustment for underwriting gains or losses. Unexpectedly high claims can result in increased policy costs, while lower claim levels can cause more affordable Civic insurance rates.

For instance, the graph below shows which company has the cheapest car insurance in Nebraska for a 45-year-old female driver with a clean driving record, no accidents, and good financial standing. If we estimate prices based on her personal risk profile, Safeco quotes the cheapest car insurance rates in Nebraska at $780 annually. This is $536 less than the average premium paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska are also on the list of the cheapest Nebraska auto insurance companies.

google.charts.setOnLoadCallback(drawNEWitcqcibChart);function drawNEWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Safeco’, 780, ‘#629100’],[‘The Hartford’, 839, ‘#517800’],[‘Auto-Owners’, 905, ‘#436400’],[‘Allied’, 911, ‘#375300’],[‘Farmers Mutual of Nebraska’, 989, ‘#2D4500’]]);var options = {title: ‘Best Cheap Car Insurance for a Honda Civic’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1089,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

Now we will pretend the driver in the first chart a couple of claims, a lower credit rating, and a few traffic violations. Since every insurance provider has a different formula to determine rates, comparing prices most likely will result in a slightly different list of cheap Nebraska auto insurance companies as shown below.

google.charts.setOnLoadCallback(drawNEWcqcibChart);function drawNEWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Farm Bureau Mutual’, 1111, ‘#FF8500’],[‘State Farm’, 1147.3, ‘#D46E00’],[‘General Casualty’, 1189.1, ‘#B05B00’],[‘American National’, 1207.8, ‘#924B00’],[‘USAA’, 1227.6, ‘#793E00’]]);var options = {title: ‘Best Rates for Imperfect Drivers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1327.6,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Farm Bureau Mutual now has the lowest price on auto insurance in Nebraska with State Farm, General Casualty, American National, and USAA also having competitive pricing. This example demonstrates why consumers need to compare many different companies when trying to get affordable auto insurance quotes for a Honda Civic.

Auto insurance prices are made up of many things and can decrease or increase without notice, so the cheapest company a year ago may now be priced much higher than other options.

How to get cheap insurance for a Honda Civic in Nebraska

It is possible to find better rates, and here are some of the recommended penny-pinching ideas that can help you buy cheaper coverage.

• Violations like speeding or DUI increase rates
• Accident-free drivers may qualify for discounts
• Pay for smaller claims out-of-pocket
• Drive vehicles with five-star safety ratings
• Pay lower rates with good credit
• Keep rates low by shopping around frequently

That last idea is notably significant, as we stressed in this article. Insurance prices adjust frequently, so don’t be unwilling to buy from a different company if a cheaper rate is available. We understand brand loyalty, but it’s not a good idea if that devotedness results in you overpaying major coinage every year. In just a few minutes you could shop around to find cheaper auto insurance for a Honda Civic.

Cheapest Honda Civic insurance quotes

Drivers have many ways to shop around for car insurance in Nebraska, but the most preferred are either through an independent agent, an exclusive insurance agency such as Allstate or Auto-Owners, or direct from companies such as Progressive or Geico.

They all have the same basic principle, but they differ in how they give price quotes.

Independent insurance agencies have contracts with many companies and can do rate comparisons with all of them. Agents of this type have the freedom to give you a larger rate selection, which can help you get a better chance of saving money. If they find a lower price, you can get a different policy without having to get a different agent.

An exclusive ageny is restricted to a single company, two of the more popular are a Liberty Mutual or State Farm agent. These agents are unable to place coverage with different providers, so if finding the cheapest car insurance is your goal, you will want to shop around.

When you buy car insurance direct, you skip a local insurance agent and instead shop direct either online or via phone. Shopping for car insurance direct is a good choice for consumers who do not need complex risk management and have some degree of understanding of the limitations of their policy.

Out of those three methods, which one works best to buy cheap insurance for a Honda Civic in Nebraska? Most people would assume that buying direct saves money since that eliminates agent commissions, but unfortunately, that is not always true. It could also be said buying from an independent agent saves the most money because they can shop around, but that assumption is not true either. In the right set of circumstances, exclusive agencies have really good rates that other car insurance companies cannot touch.

Since car insurance prices vary so much, really the only way to buy the cheapest policy is to compare, compare, and compare some more. If you want to save money, get price quotes from all three to get an idea of which is cheapest. A great place to start is our list of online companies offering discounts: click here to view.