Who Has the Cheapest Insurance Quotes for a Honda Civic in Indiana?

Your ability to find the cheapest coverage for a Honda Civic in Indiana hinges on a lot of rating criteria like how old the Civic is, if you have a lapse in coverage, and any prior driving offenses you have. Drivers pay an average of $1,100 per year for Civic insurance, but that price is an estimation based on rate data for a 40-year-old married female that purchased full comprehensive and collision coverage and $100 deductibles.

But there is a good chance that you’re not a 40-year-old female, single instead of married, or maybe you want different physical damage deductibles. Have just a small change in rating factors or requested coverage amount can precipitate large changes in the coverage rate.

Every insurance policy is unique to the driver, so your best chance at finding cheap car insurance rates for your Honda is to comparison shop your policy at every renewal or at least every couple of years.

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Your Honda’s trim level tends to impact the yearly cost, so the price you will be charged to insure a Civic DX 4-Dr Sedan trim level will be $380 lower than the cost to insure the higher-end Civic SI 2-Dr Coupe model, as shown in the table below.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rate information does not factor in garaging location in Indiana which can influence coverage prices significantly.

Trying to find affordable car insurance is tough enough, and figuring out which company has the best insurance rates for a Honda Civic requires even more rate comparisons. Every insurance company uses a slightly different approach for determining rates in each state, so let’s rank the insurance companies with the most affordable rates in Indiana.

It’s important that you understand Indiana insurance rates are impacted by many factors that control the policy price. Price variation is why Indiana drivers need to compare rates when trying to find the lowest insurance rates for a Honda Civic. Auto insurance prices are influenced by many risk factors and change substantially, so the best company three years ago may now be an over-priced policy.

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Travelers may offer some of the cheapest car insurance rates in Indiana at around $620 each year. Cincinnati Insurance, USAA, Erie, and Western Reserve also make the cut as some of the best Indiana car insurance companies.

As shown above, if you currently have a policy with Western Reserve and switched to Cincinnati Insurance, you might achieve yearly savings of in the vicinity of $182. Insureds with The Hartford might save as much as $199 a year, and Indiana Farmers Mutual customers might cut rates by $203 a year.

These premiums are averaged across all ages of drivers and types of vehicles and and are not calculated with a specific rating modification for a Honda Civic. So the car insurance company that fits your needs best may not even be featured in the chart above. That affirms the importance of why you need to get rate quotes using your own individual information.

Price comparison of only insuring for liability

Finding the cheapest insurance for a Honda Civic in Indiana is the goal of the majority of vehicle owners, and one of the easiest ways to buy cheaper insurance is to not insure for full coverage. The example below illustrates the comparison of auto insurance rates with full coverage compared to only the Indiana minimum liability coverage. The price estimates are based on no violations or accidents, $250 deductibles, marital status is single, and no policy discounts are applied.

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If we average the cost for all age groups, physical damage insurance costs an additional $1,838 per year over liability only. Many people question when is the right time to remove full coverage. There is no definitive guideline of when to exclude full coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.

Discounts on Indiana auto insurance rates

Insurance providers that sell the cheapest insurance for a Honda Civic in Indiana may also give you premium discounts that may potentially lower prices by as much as 35% or more if you are eligible for them. The best insurance companies and a summarized list of policyholder discounts can be found below.

The example below illustrates the difference between insurance rates with and without discounts applied to the premium. The price estimates are based on a female driver, no claims or driving violations, Indiana state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, safe-driver, claim-free, marriage, multiple vehicle, and multiple policy discounts applied. When discounts are factored in, the the amount saved on insurance for a Honda Civic is 33% or $385.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2487,1789],[‘Age 30’, 1699,1229],[‘Age 40’, 1581,1143],[‘Age 50’, 1381,999],[‘Age 60’, 1337,967],[‘Age 70’, 1573,1133]]);var options = {title: ‘Comparison of Insurance Rates for a Honda Civic’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Honda Civic’,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(‘qcibdisc’));chart.draw(data, options);}

Cheapest Honda Civic insurance quotes

You have many ways to compare insurance prices in Indiana, but the most frequently used ways are through an independent or non-exclusive agent, an exclusive insurance agent like Liberty Mutual or Allstate, or from a direct company like Progressive. Each way has the same basic steps, but each is different in how they work.

Independent insurance agents are appointed by several companies and can quote your policy with each one. These agents are able to give you a larger rate selection, which may give you a better chance of finding cheaper coverage. If they quote lower rates, they simply switch companies in-house which prevents you from having to find a new agency.

An exclusive ageny is able to place business with one company, two examples are an Allstate or State Farm agent. Exclusive agents cannot shop your coverage around, so it’s a take it or leave it situation.

Opting to purchase insurance direct means you do not use a local insurance agent and buy direct either online or via phone. This insurance option can be a good choice for people who do not have complex finances and know the limitations of insurance.

So comparing independent agents, exclusive agents, and direct, which one works best for finding the cheapest insurance for a Honda Civic in Indiana? It would be simple to say shopping direct results in the best prices because there isn’t an agent involved, but in reality, that is not true. And we’d like to say buying from an independent agent guarantees the cheapest rates since there are more companies to choose from, but that assumption is also not accurate. And sometimes, exclusive agencies have really good rates that independents and direct companies can’t touch.

Since insurance prices vary so much, the one way to get the cheapest rates is to get as many comparison quotes as possible. Make the effort to get price quotes from independent, exclusive, and direct to have the best selection of rates to choose from. For a list of companies with online discounts, click here to view.

Ideas for finding budget-friendly insurance for a Honda Civic

The list below summarizes some of the recommended money-saving ideas that can help Indiana drivers get the cheapest auto insurance.

• Drop full coverage on older vehicles
• Safe vehicles generally have lower rates
• Pay lower rates with good credit
• Increase your policy deductibles
• Staying accident-free helps keep rates low
• Just one traffic violation will increase your rates
• Shop around for cheaper prices often

The last suggestion is very critical, as we noted in the prior article. Coverage prices change frequently, so you should be ready to switch companies if you can find a cheaper rate.

Sticking with a specific company is fine, but it’s not recommended if that faithfulness ends up costing you a lot of money every month. If you have a few minutes, shop around and find cheaper insurance for a Honda Civic.

Is the best company Progressive, Allstate, State Farm, or Geico?

If you want the best car insurance, some of the largest companies to start with are Progressive, Allstate, State Farm, and Geico. All four offer physical damage and liability coverage, but each has unique features and discounts that buyers can choose from. The next table compares and contrasts some of the different features that policyholders can buy.