Cheap Insurance Quotes for a Honda Civic in South Dakota

The chances that you’ll find the cheapest insurance for a Honda Civic in South Dakota relies on a complicated rating formula that uses factors like how old you are, whether or not you have filed claims in the past, and driving violations and tickets. Drivers in South Dakota on average will pay $940 per year to insure a Honda Civic, but that is a projection assuming a 40-year-old single male who purchased full coverage and $1,000 policy deductibles.

It’s more than likely you are not 40 and maybe not even a male, you might be married instead of single, or you want lower deductibles. Auto insurance is not the same for everyone, so your best chance at finding the cheapest rates for your Honda is to comparison shop your policy at each renewal.

Find Cheaper Honda Civic Insurance

The specific trim level tends to have a direct impact on the coverage cost, so the price you will be charged to insure a Civic DX 4-Dr Sedan trim level will be $306 less expensive the price to insure the more costly Civic SI 2-Dr Coupe model, as demonstrated by the prices below.

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Dakota minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Prices do not factor in specific zip code location which can impact coverage prices noticeably.

Which auto insurance company is best in South Dakota?

Ending up with a high-quality insurance provider can be a challenge considering how many companies provide coverage in South Dakota. The rank data below can help you decide which auto insurers to look at when shopping your coverage around. These rankings are only made up of the largest auto insurers in America, so companies with more of a regional focus will not be included in these rankings.

Discounts on cheap insurance for a Honda Civic in South Dakota

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/cheapest-insurance-honda-civic-sd.jpg" alt="Cheaper South Dakota auto insurance for a Civic” />Insurers that offer coverage for a Honda Civic could also offer discounts that can lower rates by as much as 35% if you meet certain criteria. The best auto insurance companies and some of their more popular discounts are outlined below.

• State Farm may offer discounts for multiple policy, multiple autos, accident-free, Steer Clear safe driver discount, student away at school, good student, and passive restraint.
• Progressive policyholders can earn discounts including homeowner, online signing, good student, continuous coverage, multi-policy, and multi-vehicle.
• Progressive may include discounts for homeowner, continuous coverage, multi-vehicle, online quote discount, multi-policy, and online signing.
• MetLife includes discounts for good student, defensive driver, claim-free, good driver, multi-policy, accident-free
• Farm Bureau has savings for safe driver, youthful driver, good student, renewal discount, multi-vehicle, and driver training.
• GEICO offers premium reductions for multi-vehicle, seat belt use, federal employee, membership and employees, and defensive driver.
• SAFECO offers discounts for teen safety rewards, anti-lock brakes, anti-theft, accident prevention training, multi-car, and teen safe driver.

The diagram below shows the difference between yearly insurance costs with and without discounts applied to the premium. The price estimates are based on a male driver, no violations or accidents, South Dakota state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with passive restraint, accident-free, safe-driver, vehicle safety, homeowner, and multiple policy discounts applied. With discounts applied, the the average yearly reduction on auto insurance for a Honda Civic is 28% or $481.

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How accidents and violations affect rates

A great way to maintain the cheapest auto insurance premiums in South Dakota for a Civic is to drive safely and avoid accidents and violations. The illustration below highlights how traffic violations and fender-benders can influence insurance prices for different age groups of insureds. The information is based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

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In the chart above, the average cost of auto insurance per year with no accidents or violations is $1,470. Get one speeding ticket and the average cost increases to $1,718, an increase of $248 each year. Next add one accident along with the one speeding ticket and the annual cost of auto insurance for a Honda Civic increases to an average of $2,416. That’s an increase of $946, or $79 per month, just for not keeping your driving record clean!

Cheapest Honda Civic insurance quotes

There are a variety of different ways to comparison shop for auto insurance in South Dakota, but the three most common methods are from an independent or non-exclusive agent, an exclusive insurance agent such as State Farm or Auto-Owners, or from a direct company like Geico or Progressive.

All three ways are similar, but each is different in how they function.

Independent agencies work for many companies and can get policy pricing from each one. Agents of this type are usually affiliated with several companies and can provide you with more rates, which can help you get the best shot at cutting your rates. If prices rise, they can switch companies in-house which makes it easier to save money.

An agent who is captive is usually restricted to one insurance company such as Allstate and Liberty Mutual agents. Exclusive agents normally do not have the ability to compare other company’s rates, so they have to upsell other benefits.

Choosing to buy auto insurance direct means you do not use an independent or exclusive agent and instead buy from a direct company like Geico or Esurance. Buying direct can be good for consumers who do not have complex finances and have some degree of understanding of what coverages, limits, and deductibles they need.

What is the best method for finding cheap insurance for a Honda Civic in South Dakota? It would be simple to say shopping direct results in the cheapest price since it doesn’t require paying agent commissions, but that generally is not the case. A valid argument could also be made that going through an independent agent is the best way to save since they can quote with many companies, but that is not necessarily true either. For some people, exclusive agents may have very competitive prices that cannot be beaten by either independent or direct companies.

Because there is so much variation in auto insurance prices, the only real way to buy the cheapest policy is to get rate quotes and compare. Be sure to get quotes from all three to have a good selection of rates to choose from. For a list of companies offering online discounts, click here to view.

How to find the cheapest auto insurance for a Honda Civic

Here are a few money-saving solutions that can help South Dakota drivers quote lower-cost auto insurance.

• Serious violations like DUI or careless driving can make car insurance unaffordable
• Raise comprehensive and collision coverage deductibles
• On older vehicles, drop full coverage
• Higher credit scores may earn you cheaper rates
• Drive safe vehicles
• Prevent price hikes by avoiding at-fault accidents
• Comparison shop at least once a year

The last item on the list is remarkably vital, as we emphasized in this article. Prices charged by car insurance companies can change in a short period of time, so drivers shouldn’t hesitate to switch carriers if you can save money. Many drivers have brand loyalty and that’s fine, but it’s not a great idea if it’s costing you hundreds of dollars year after year. In less than five minutes you could shop around and find cheaper car insurance for a Honda Civic.

State Farm, Allstate, Geico, and Progressive: Who is best?

When shopping for car insurance, four of the larger companies to compare rates for are State Farm, Allstate, Geico, and Progressive. If you put them all together, they insure 48.5% of all policies written. They all have somewhat different options that you can choose from. The table below points out some of the ratings and options you can expect with each one.