Would you like to find more affordable Honda Civic insurance in Santa Ana? I doubt anyone looks forward to paying for insurance, especially when it costs too dang much.
It's easy to assume that car insurance companies don't want you shop around. People who do rate comparisons are very likely to switch companies because they have good chances of finding a policy with more affordable rates. A recent survey discovered that consumers who routinely compared rates saved as much as $865 a year compared to people who didn't regularly shop around.
If finding the lowest rates on Honda Civic insurance in Santa Ana is the reason for your visit, then understanding how to shop and compare coverages can make the process less intimidating.
Steps to saving money on Honda Civic insurance in Santa Ana
The easiest way to find more affordable Honda Civic insurance is to begin comparing prices regularly from different companies who provide car insurance in Santa Ana.
- Spend a few minutes and learn about the different coverages in a policy and the things you can control to prevent rate increases. Many things that are responsible for high rates such as tickets, at-fault accidents, and a not-so-good credit score can be eliminated by making minor changes to your lifestyle.
- Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like Progressive and State Farm, while independent agents can give you price quotes for a wide range of insurance providers.
- Compare the new rate quotes to your existing policy to see if switching to a new carrier will save money. If you can save money and change companies, verify that coverage does not lapse between policies.
- Notify your current company of your intention to cancel your current car insurance policy. Submit a completed application and payment for the new policy. Once coverage is bound, put the new certificate of insurance along with your vehicle registration.
A crucial key to this process is to use the same amount of coverage on every price quote and and to compare all possible companies. This helps ensure a fair price comparison and a complete price analysis.
You have so many insurers to insure vehicles with, and even though it's nice to have a choice, too many choices makes it more difficult to find the lowest cost provider for Honda Civic insurance in Santa Ana.
It's smart to check insurance prices every six months because rates tend to go up over time. Just because you found the best deal on Honda Civic insurance in Santa Ana a year ago a different company probably has better prices today. Block out anything you think you know about insurance because I'm going to teach you the proper way to reduce your cost while increasing coverage.
How to compare Santa Ana Honda Civic insurance quotes
Getting a cheaper price on Honda Civic insurance can be surprisingly simple. All you need to do is take a few minutes comparing rate quotes online with multiple companies.
Doing online price quotes comparisons is so easy that it makes it obsolete to make phone calls or go to each insurance agency near you. The ability to get quotes online can eliminate the need for a local agent unless you have a need for the personal advice that only a licensed agent can provide. Although you can compare online quotes but have a local agent actually write the policy.
The companies in the list below are ready to provide comparison quotes in Santa Ana, CA. If multiple companies are listed, we recommend you visit as many as you can to find the lowest car insurance rates.
Protect your Honda vehicle and other assets
Despite the high cost of buying insurance for a Honda Civic in Santa Ana, maintaining insurance is mandatory in California but it also protects more than you think.
- The majority of states have minimum liability requirements which means state laws require a minimum amount of liability in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your vehicle has a loan, most banks will have a requirement that you carry insurance to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the bank may insure your Honda for a much higher rate and require you to reimburse them for the expensive policy.
- Car insurance protects both your assets and your Honda Civic. It will also reimburse you for hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if anyone sues you for causing an accident. If your Honda gets damaged, your policy will pay all costs to repair after the deductible has been paid.
The benefits of having insurance more than offset the price you pay, particularly when you have a large claim. According to a 2015 survey, the average American driver overpays as much as $865 each year so we recommend shopping around each time the policy renews to help ensure money is not being wasted.
Honda Civic coverage statistics
The coverage information displayed below covers a range of insurance policy prices for Honda Civic models. Being aware of how auto insurance policy rates are formulated can help you make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $284 | $672 | $500 | $30 | $150 | $1,636 | $136 |
| Civic VP 4-Dr Sedan | $284 | $792 | $500 | $30 | $150 | $1,756 | $146 |
| Civic LX 4-Dr Sedan | $284 | $792 | $500 | $30 | $150 | $1,756 | $146 |
| Civic DX 2-Dr Coupe | $284 | $792 | $624 | $36 | $186 | $1,922 | $160 |
| Civic EX 4-Dr Sedan | $284 | $792 | $500 | $30 | $150 | $1,756 | $146 |
| Civic LX-S 4-Dr Sedan | $284 | $792 | $500 | $30 | $150 | $1,756 | $146 |
| Civic LX 2-Dr Coupe | $284 | $912 | $624 | $36 | $186 | $2,042 | $170 |
| Civic EX-L 4-Dr Sedan | $326 | $912 | $500 | $30 | $150 | $1,918 | $160 |
| Civic SI 4-Dr Sedan | $326 | $912 | $500 | $30 | $150 | $1,918 | $160 |
| Civic EX 2-Dr Coupe | $326 | $912 | $624 | $36 | $186 | $2,084 | $174 |
| Civic GX 4-Dr Sedan | $326 | $912 | $500 | $30 | $150 | $1,918 | $160 |
| Civic EX-L 2-Dr Coupe | $326 | $912 | $624 | $36 | $186 | $2,084 | $174 |
| Civic Hybrid 4-Dr Sedan | $370 | $792 | $500 | $30 | $150 | $1,842 | $154 |
| Civic SI 2-Dr Coupe | $370 | $1032 | $624 | $36 | $186 | $2,248 | $187 |
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rate information does not factor in specific garaging location which can affect coverage prices considerably.
Impact of speeding/accidents on insurance rates
The information below illustrates how speeding tickets and at-fault fender-benders can increase Honda Civic auto insurance rates for different age groups. The rates are based on a married female driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.
Rate difference between full and liability-only coverage
The illustration below shows the comparison of Honda Civic car insurance rates with and without full coverage. The data is based on a clean driving record, no claims, $250 deductibles, single status, and no discounts are taken into consideration.
When to stop buying full coverage
There is no definitive rule for eliminating physical damage coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let's say your Honda Civic replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $8,000 after paying the physical damage deductible. If you are currently paying more than $800 annually to have full coverage, then it may be the right time to buy liability only.
There are some cases where buying only liability insurance is not a good plan. If you haven't paid off your loan, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not opt for liability only.
Verify you're getting every discount
Car insurance is not an enjoyable expense, but you can get discounts that can help lower your rates. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be asked for before they will apply.
- Low Mileage Discounts - Keeping the miles down on your Honda could earn better rates on cars that stay parked.
- Anti-lock Brake Discount - Cars and trucks with ABS and/or traction control can reduce accidents and the ABS can save up to 10%.
- No Accidents - Claim-free drivers can earn big discounts when compared to drivers who are more careless.
- Senior Citizens - Drivers that qualify as senior citizens can possibly qualify for a small discount on rates.
- College Student Discount - College-age children who are enrolled in higher education away from home and do not take a car to college may be insured at a cheaper rate.
- Discount for Multiple Policies - When you have multiple policies with the same insurance company you may save approximately 10% to 15%.
As a sidenote, most credits do not apply to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. Even though it appears having all the discounts means you get insurance for free, nobody gets a free ride.
The information below compares Honda Civic premium costs with and without discounts applied to the policy rates. The premiums are based on a male driver, no violations or claims, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, marriage, homeowner, and multi-policy discounts applied.
Larger car insurance companies and a selection of discounts are outlined below.
- American Family may include discounts for good driver, good student, air bags, bundled insurance, TimeAway discount, and early bird.
- Farm Bureau offers premium reductions for 55 and retired, safe driver, multi-policy, renewal discount, and multi-vehicle.
- State Farm offers discounts including student away at school, Steer Clear safe driver discount, defensive driving training, Drive Safe & Save, multiple autos, and safe vehicle.
- Travelers may offer discounts for hybrid/electric vehicle, new car, good student, driver training, multi-policy, and IntelliDrive.
- The Hartford policyholders can earn discounts including anti-theft, bundle, good student, vehicle fuel type, air bag, and driver training.
- GEICO offers discounts for air bags, daytime running lights, driver training, anti-lock brakes, multi-vehicle, federal employee, and defensive driver.
- Progressive has discounts for homeowner, online quote discount, multi-policy, good student, and multi-vehicle.
When quoting, ask each company or agent how you can save money. A few discounts may not apply to policies in every state. If you would like to view car insurance companies that have a full spectrum of discounts in California, click here to view.