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

Whether or not you can find the best cheap coverage for a Honda Civic in North Carolina relies on a lot of different factors such as the safety rating for your Civic, whether or not you have prior claims, and your driving record. Drivers in North Carolina pay an average rate of $880 annually for Civic insurance, but that amount is based on rate data for a 30-year-old single female who purchased full coverage and $1,000 deductibles.

There is a really good chance that you are not a 30-year-old female, married instead of single, or maybe you had a chargeable driving offense. Making even small differences in rating variables or coverage information can result in a large change in the cost of insurance for a Honda Civic.

This illustrates why the best way to find cheap auto insurance rates for your Honda is to put in the effort to do a thorough rate comparison.

Insure Your Honda for Less

Vehicle trim level tends to have a direct impact on price, so the price you will pay to insure a Civic DX 4-Dr Sedan trim level will cost $282 less than the price to insure the more expensive Civic SI 2-Dr Coupe version, as demonstrated by the prices below.

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in garaging location in North Carolina which can lower or raise coverage rates substantially.

Figuring out which company quotes the most affordable auto insurance rates for a Honda Civic takes a bit more effort in order to find the best price. Every insurance provider uses their own calculation to set policy rates, so let’s examine the auto insurance companies that tend to have lower prices in North Carolina.

It’s a good idea to know that North Carolina auto insurance rates are influenced by many factors which can substantially change the cost of your policy. Turning one year older, buying a different home, or having an at-fault accident may generate price changes that can now make some companies affordable when they were higher priced.

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Utica National may offer some of the best car insurance rates in North Carolina at around $636 annually. Progressive, Liberty Mutual, NC Farm Bureau, and Titan are also some of the lowest-priced North Carolina car insurance companies.

As the rates illustrate above, if you currently have coverage with NC Farm Bureau and switched to Progressive, you could see an annual premium reduction of roughly $91. Policyholders with Titan might save as much as $98 a year, and GEICO policyholders might see rate reductions of $103 a year.

Understand that those estimates are averages across all insureds and vehicles and do not take into consideration a specific rate factor for a Honda Civic. So the company that can offer you the best price may not even be included in the company chart above. That points out the importance of why you need to get rate quotes using your own driver data and vehicle information.

Discounts on the cheapest insurance for a Honda Civic in North Carolina

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/best-car-insurance-honda-civic-nc.jpg" alt="Cheaper North Carolina auto insurance for a Civic” />Insurance providers that provide policies for a Honda Civic may provide rate discounts that may potentially lower prices by as much as 35% or more if you meet eligibility requirements. Large auto insurance companies and their offered discounts are detailed below.

• State Farm offers discounts for student away at school, good student, driver’s education, good driver, and safe vehicle.
• Farmers Insurance may offer discounts for switch companies, distant student, bundle discounts, homeowner, early shopping, good student, and youthful driver.
• Progressive has discounts for online quote discount, multi-policy, good student, multi-vehicle, homeowner, and online signing.
• GEICO may have discounts that include five-year accident-free, daytime running lights, multi-policy, membership and employees, and air bags.
• Auto-Owners Insurance discounts include paperless, paid in full, safe vehicle, student away at school, and anti-theft.
• The Hartford policyholders can earn discounts including driver training, anti-theft, good student, air bag, vehicle fuel type, bundle, and defensive driver.
• Farm Bureau offers discounts including driver training, 55 and retired, safe driver, youthful driver, and renewal discount.
• USAA offers premium reductions for defensive driver, annual mileage, multi-policy, new vehicle, and good student.

The chart below compares auto insurance costs with and without discounts being applied to the rates. The premium estimates are based on a male driver, no accidents or driving violations, North Carolina state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with safe-driver, marriage, anti-theft, multiple vehicle, defensive driving course, and multiple policy discounts applied. In this example, the the average yearly reduction on auto insurance for a Honda Civic is 28% or $385.

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Best rates: Allstate, Geico, Progressive, or State Farm

When shopping for insurance for a Civic, four companies to take a look at are Allstate, Geico, Progressive, and State Farm. The table below compares and contrasts ratings for price, service, and claims, in additional to some of the optional coverages that are available.

Find the cheapest insurance for a Honda Civic in North Carolina

It is possible to find better rates, and here are some of the better money-saving ideas that can help drivers get cheaper car insurance.

• Do not get traffic tickets
• Earn discounts for being claim-free
• Increase deductibles to save money
• Do not get into accidents
• Increase your credit rating
• Bundle home or renters insurance to earn a discount on car insurance
• Shop around for lower rates once a year

That last piece of advice is extremely significant, as was discussed in the prior information. Coverage rates in North Carolina change constantly, so don’t be hesitant to change to a new company if a more affordable rate is found.

Loyalty to a specific company is fine, but we do not recommend it if that stubbornness costs you a fortune every year. In just a few minutes you could shop around to find cheaper insurance for a Honda Civic.