How to Save on San Diego Honda Civic Insurance

Insurance rates Honda Civic in San DiegoGetting budget-priced San Diego Honda Civic insurance quotes on the web may seem to be somewhat difficult for consumers new to shopping for insurance on the web. With such a large number of agents and insurers available, how are we expected to efficiently compare each option to find better auto insurance prices?

It’s amazing but most auto insurance policyholders have remained with the same auto insurance company for four years or more, and nearly half have never compared rate quotes at all. Consumers in California could save roughly $470 each year by just comparing quotes, but most tend to underestimate the big savings they would realize if they switch to a new company.

You should take the time to take a look at other company’s rates occasionally because auto insurance rates are usually higher with each renewal. Despite the fact that you may have had the lowest rate on Honda Civic insurance in San Diego six months ago the chances are good that you can find a lower price today. Ignore everything you know about auto insurance because we’re going to demonstrate the fastest way to eliminate unnecessary coverages and save money on Honda Civic insurance in San Diego.

This article’s goal is to teach you the best methods to compare rates and some money-saving tips. If you are paying for car insurance now, you will surely be able to reduce the price you pay using these techniques. But California consumers must comprehend how the larger insurance companies determine premium rates and take advantage of how the system works.

Components of Your Honda Civic Insurance Rates

Lots of things are part of the calculation when pricing auto insurance. A few of the factors are predictable like your driving record, but others are less obvious like your vehicle usage or your vehicle rating.

Just remember that making a lot of price comparisons increases your odds of finding more affordable insurance.

The companies shown below can provide free quotes in San Diego, CA. If more than one company is shown, it’s highly recommended you visit two to three different companies to get a more complete price comparison.

Honda Civic Insurance Estimates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $158 $372 $500 $30 $150 $1,210 $101
Civic VP 4-Dr Sedan $368 $996 $596 $36 $178 $2,174 $181
Civic LX 4-Dr Sedan $284 $792 $464 $28 $138 $1,706 $142
Civic DX 2-Dr Coupe $204 $524 $746 $44 $224 $1,742 $145
Civic EX 4-Dr Sedan $186 $454 $416 $24 $124 $1,204 $100
Civic LX-S 4-Dr Sedan $144 $362 $424 $26 $126 $1,082 $90
Civic LX 2-Dr Coupe $176 $554 $718 $42 $214 $1,704 $142
Civic EX-L 4-Dr Sedan $292 $774 $416 $24 $124 $1,630 $136
Civic SI 4-Dr Sedan $214 $522 $416 $24 $124 $1,300 $108
Civic EX 2-Dr Coupe $422 $1146 $746 $44 $224 $2,582 $215
Civic GX 4-Dr Sedan $206 $564 $534 $32 $160 $1,496 $125
Civic EX-L 2-Dr Coupe $262 $648 $520 $30 $156 $1,616 $135
Civic Hybrid 4-Dr Sedan $348 $672 $596 $36 $178 $1,830 $153
Civic SI 2-Dr Coupe $286 $656 $568 $34 $170 $1,714 $143
Get Your Own Custom Quote Go

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rates do not factor in specific San Diego garaging location which can decrease or increase insurance rates noticeably.

Higher deductibles lower rates

The chart below demonstrates how choosing different deductibles and can raise or lower Honda Civic insurance costs for different categories of driver ages. The premium estimates are based on a married female driver, full physical damage coverage, and no policy discounts are applied.

Why you need quality insurance for your Honda vehicle

Despite the fact that car insurance is not cheap in San Diego, insurance serves a purpose in several ways.

The benefits of buying car insurance more than offset the price you pay, particularly if you ever have a claim. As of last year, the average driver in California overpays more than $800 each year so compare rate quotes once a year at a minimum to be sure current rates are still competitive.

San Diego insurance discounts for a Honda Civic

Companies offering auto insurance don’t necessarily list all their discounts very well, so the list below details some of the best known as well as some of the hidden credits available to lower your premiums when you buy San Diego car insurance online.Insurance discounts

A quick disclaimer, most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, insurance companies aren’t that generous.

Large insurance companies and the discounts they provide are detailed below.

If you need lower rates, check with every company which discounts you may be entitled to. Discounts may not apply in San Diego. If you would like to choose from a list of insurance companies that can offer you the previously mentioned discounts in California, follow this link.

Buying from insurance agents

Certain consumers still prefer to visit with an insurance agent and that can be a great decision One of the benefits of price shopping on the web is the fact that you can find lower rates but also keep your business local. Putting coverage with neighborhood insurance agencies is important especially in San Diego.

After filling out this form (opens in new window), your information is immediately sent to local insurance agents who will give you bids for your coverage. You never need to contact an agency since price quotes are sent instantly to you. It’s the lowest rates and an insurance agent to talk to. If you wish to get a price quote from a specific insurance company, you can always visit that company’s website and fill out their quote form.

When finding a reliable insurance agent, it’s important to understand the different types of agents and how they can write your policy. Auto insurance policy providers can be classified as either exclusive agents or independent agents.

Independent Agents

Independent agents are not employed by one company so they can write business with an assortment of companies and find you the best rates. If your premiums go up, they can switch companies in-house and you stay with the same agent. When shopping rates, it’s recommended you contact a few independent agents so that you can do a thorough price comparison. Most can insure with mutual insurance companies who may have lower rates.

Featured below is a small list of independent agents in San Diego that can possibly get you competitive price quotes.

View more agents

Exclusive Insurance Agents

Agents of this type can only provide pricing for a single company such as Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents are unable to give you multiple price quotes so they are skilled at selling on more than just price. Exclusive agents are trained well on their company’s products which helps overcome the inability to quote other rates. Some consumers prefer to buy insurance from these agents mostly because of the brand name rather than having the cheapest rates.

Shown below are San Diego exclusive insurance agencies willing to provide price quotes.

View more agents

Finding the right auto insurance agent requires more thought than just a low price. Here are some questions to ask:

Your car insurance coverage should be tailored to you

When it comes to buying coverage online or from an agent, there really isn’t a one-size-fits-all type of policy. Each situation is unique and your car insurance should be unique as well.Higher deductibles save money
Here are some questions about coverages that could help you determine whether you would benefit from an agent’s advice.

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

You can find cheaper coverage

We just presented quite a bit of information on how to save on Honda Civic insurance in San Diego. The key concept to understand is the more price quotes you have, the better your comparison will be. Consumers may even find the best prices are with an unexpected company. They may often insure only within specific states and give better rates than the large multi-state companies such as State Farm and Allstate.

Discount Honda Civic insurance in San Diego is attainable both online as well as from independent agents in San Diego, so you need to shop San Diego car insurance with both to have the best selection. A few companies may not provide rate quotes online and many times these small, regional companies provide coverage only through independent insurance agents.

Even more information is available at these sites: