Remarkably, a study showed that the vast majority of drivers kept their policy with the same company for at least the last four years, and nearly the majority have never compared rates to find cheap insurance. Many drivers in Chandler could save as much as $700 each year just by getting comparison quotes, but most tend to underestimate the rate savings if they swap their current policy for a cheaper one.
The most effective way to save money on Honda Civic insurance in Chandler is to do a yearly price comparison from different companies in Arizona. Drivers can shop around by following these steps.
- Read about what coverages are included in your policy and the changes you can make to keep rates in check. Many rating factors that drive up the price such as traffic citations, accidents, and a negative credit history can be improved by being financially responsible and driving safely. This article provides additional ideas to help keep prices low and get additional discounts that may be available.
- Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from one company like Progressive or Farmers Insurance, while independent agents can provide prices for a wide range of insurance providers.
- Compare the new quotes to your existing rates to determine if you can save on Civic insurance. If you can save some money and buy the policy, ensure there is no coverage lapse between policies.
- Give notification to your current company to cancel your current coverage. Submit a down payment along with a signed application for the new coverage. Immediately upon receiving it, keep the new certificate of insurance along with your vehicle registration.
A good tip to remember is to try to use the same coverage limits and deductibles on every price quote and and to get quotes from as many companies as you can. This provides a fair rate comparison and plenty of rates choose from.
Affordable companies for Honda Civic insurance in Arizona
The following companies can provide free rate quotes in Arizona. If you want cheap auto insurance in AZ, we recommend you click on several of them in order to find the lowest rates.
Insurance coverage details
The data table below covers detailed analysis of prices for Honda Civic models. Learning how rates are calculated can help drivers make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $164 | $314 | $300 | $18 | $90 | $886 | $74 |
| Civic VP 4-Dr Sedan | $164 | $370 | $300 | $18 | $90 | $942 | $79 |
| Civic LX 4-Dr Sedan | $164 | $370 | $300 | $18 | $90 | $942 | $79 |
| Civic DX 2-Dr Coupe | $164 | $370 | $374 | $22 | $112 | $1,042 | $87 |
| Civic EX 4-Dr Sedan | $164 | $370 | $300 | $18 | $90 | $942 | $79 |
| Civic LX-S 4-Dr Sedan | $164 | $370 | $300 | $18 | $90 | $942 | $79 |
| Civic LX 2-Dr Coupe | $164 | $428 | $374 | $22 | $112 | $1,100 | $92 |
| Civic EX-L 4-Dr Sedan | $188 | $428 | $300 | $18 | $90 | $1,024 | $85 |
| Civic SI 4-Dr Sedan | $188 | $428 | $300 | $18 | $90 | $1,024 | $85 |
| Civic EX 2-Dr Coupe | $188 | $428 | $374 | $22 | $112 | $1,124 | $94 |
| Civic GX 4-Dr Sedan | $188 | $428 | $300 | $18 | $90 | $1,024 | $85 |
| Civic EX-L 2-Dr Coupe | $188 | $428 | $374 | $22 | $112 | $1,124 | $94 |
| Civic Hybrid 4-Dr Sedan | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Civic SI 2-Dr Coupe | $212 | $484 | $374 | $22 | $112 | $1,204 | $100 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price estimates do not factor in specific location which can decrease or increase premium rates significantly.
How high should deductibles be?
When comparing auto insurance rates, the most common question is how high or low should comp and collision deductibles be. The rates shown below can help you understand the premium difference between high and low insurance deductibles. The first rate estimation uses a $100 deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $224 | $466 | $300 | $18 | $90 | $1,123 | $94 |
| Civic VP 4-Dr Sedan | $224 | $548 | $300 | $18 | $90 | $1,205 | $100 |
| Civic LX 4-Dr Sedan | $224 | $548 | $300 | $18 | $90 | $1,205 | $100 |
| Civic DX 2-Dr Coupe | $224 | $548 | $374 | $22 | $112 | $1,305 | $109 |
| Civic EX 4-Dr Sedan | $224 | $548 | $300 | $18 | $90 | $1,205 | $100 |
| Civic LX-S 4-Dr Sedan | $224 | $548 | $300 | $18 | $90 | $1,205 | $100 |
| Civic LX 2-Dr Coupe | $224 | $632 | $374 | $22 | $112 | $1,389 | $116 |
| Civic EX-L 4-Dr Sedan | $258 | $632 | $300 | $18 | $90 | $1,323 | $110 |
| Civic SI 4-Dr Sedan | $258 | $632 | $300 | $18 | $90 | $1,323 | $110 |
| Civic EX 2-Dr Coupe | $258 | $632 | $374 | $22 | $112 | $1,423 | $119 |
| Civic GX 4-Dr Sedan | $258 | $632 | $300 | $18 | $90 | $1,323 | $110 |
| Civic EX-L 2-Dr Coupe | $258 | $632 | $374 | $22 | $112 | $1,423 | $119 |
| Civic Hybrid 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Civic SI 2-Dr Coupe | $292 | $716 | $374 | $22 | $112 | $1,541 | $128 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $164 | $314 | $300 | $18 | $90 | $886 | $74 |
| Civic VP 4-Dr Sedan | $164 | $370 | $300 | $18 | $90 | $942 | $79 |
| Civic LX 4-Dr Sedan | $164 | $370 | $300 | $18 | $90 | $942 | $79 |
| Civic DX 2-Dr Coupe | $164 | $370 | $374 | $22 | $112 | $1,042 | $87 |
| Civic EX 4-Dr Sedan | $164 | $370 | $300 | $18 | $90 | $942 | $79 |
| Civic LX-S 4-Dr Sedan | $164 | $370 | $300 | $18 | $90 | $942 | $79 |
| Civic LX 2-Dr Coupe | $164 | $428 | $374 | $22 | $112 | $1,100 | $92 |
| Civic EX-L 4-Dr Sedan | $188 | $428 | $300 | $18 | $90 | $1,024 | $85 |
| Civic SI 4-Dr Sedan | $188 | $428 | $300 | $18 | $90 | $1,024 | $85 |
| Civic EX 2-Dr Coupe | $188 | $428 | $374 | $22 | $112 | $1,124 | $94 |
| Civic GX 4-Dr Sedan | $188 | $428 | $300 | $18 | $90 | $1,024 | $85 |
| Civic EX-L 2-Dr Coupe | $188 | $428 | $374 | $22 | $112 | $1,124 | $94 |
| Civic Hybrid 4-Dr Sedan | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Civic SI 2-Dr Coupe | $212 | $484 | $374 | $22 | $112 | $1,204 | $100 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rate quotes do not factor in garaging location in Chandler which can change rates significantly.
Using the data above, we can ascertain that using a $100 deductible could cost the average driver approximately $24 more each month or $288 annually than requesting the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally average at least 17 months between claims, you would most likely save money going with the higher deductible.
The illustration below highlights how deductible selection and can increase or decrease Honda Civic yearly insurance costs for each age group. The rates are based on a married male driver, full physical damage coverage, and no policy discounts are applied.
Men versus women drivers and insurance cost
The information below shows the difference between Honda Civic insurance rates for male and female drivers. The premiums are based on no claims or driving violations, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no discounts are taken into consideration.
Full coverage rates compared to liability-only
The chart below illustrates the difference between Honda Civic annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no claims or driving violations, $100 deductibles, single status, and no other discounts are factored in.
Are you wasting money on full coverage?
There is no clear-cut rule of when to drop physical damage insurance, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.
For example, let’s assume your Honda Civic replacement cost is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $3,000 after the policy deductible has been paid. If you are paying more than $300 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.
There are a few cases where eliminating full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.
Car insurance policy discounts you can’t miss
Car insurance is neither fun to buy or cheap, but there are discounts available that you may not even be aware of. Some discounts apply automatically when you quote, but some must be manually applied before you get the savings.
- Waiver for an Accident – This one is not really a discount per se, but a handful of insurance companies permit an accident before raising your premiums if your claims history is clear for a set time period.
- Active Service Discounts – Having a family member in the military can result in better prices.
- Senior Citizens – If you’re over the age of 55, you are able to get a small discount on rates.
- E-sign – A few larger online companies will discount your bill up to fifty bucks for buying your policy online.
- Driver’s Ed – It’s a good idea to have your young drivers enroll in driver’s education in school or through a local driver safety program.
- Passive Restraints and Air Bags – Vehicles with factory air bags can receive discounts of up to 25% or more.
- Telematics Data Discounts – Insureds who allow data collection to scrutinize vehicle usage by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates as long as they are good drivers.
Discounts lower rates, but some of the credits will not apply to the whole policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like you would end up receiving a 100% discount, it just doesn’t work that way.
The illustration below visualizes the comparison of Honda Civic insurance prices with and without discounts applied to the policy premium. The costs are based on a male driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, claim-free, marriage, homeowner, and multi-car discounts applied.
Large car insurance companies and some of the discounts are:
- Progressive may have discounts that include online signing, online quote discount, multi-policy, multi-vehicle, continuous coverage, and homeowner.
- MetLife offers discounts including good student, accident-free, defensive driver, multi-policy, claim-free, and good driver.
- Mercury Insurance includes discounts for ease of repair, age of vehicle, anti-theft, accident-free, location of vehicle, and low natural disaster claims.
- Nationwide has discounts for anti-theft, multi-policy, defensive driving, accident-free, easy pay, and good student.
- GEICO offers premium reductions for multi-vehicle, seat belt use, air bags, five-year accident-free, and daytime running lights.
- AAA policyholders can earn discounts including multi-policy, multi-car, AAA membership discount, anti-theft, and pay-in-full.
Before buying, ask all companies you are considering how you can save money. Some of the discounts discussed earlier might not be available to policyholders everywhere. If you would like to see a list of providers with significant discounts in Chandler, click here.
When to contact an insurance agency
Some consumers still prefer to get professional advice from a licensed agent and often times that is recommended Agents can help determine the best coverages and help you file claims. A nice benefit of getting online price quotes is that drivers can save money and get lower rates and still buy from a local agent.
To make it easy to find an agent, after completing this simple form, the quote information is submitted to local insurance agents in Chandler who will give you bids for your coverage. You don’t have to find an agent on your own because quoted prices will be sent to you. If you have a need to get a comparison quote for a specific company, you can always navigate to their website to submit a rate quote request.
Choosing the best provider should include more criteria than just the bottom line cost. Here are some questions you should ask.
- Which family members are covered?
- How experienced are they in personal risk management?
- Which companies can they place coverage with?
- Is there a 24/7 contact number?
- When do they do policy reviews?
- Do they offer rental car reimbursement?
- Are they properly licensed to sell insurance in Arizona?
- Do the agents have professional certifications like CPCU or CIC?
Auto insurance coverage options for a Honda Civic
Knowing the specifics of auto insurance helps when choosing the right coverages for your vehicles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.
Comprehensive auto insurance – This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as hail damage, rock chips in glass, damage from getting keyed and falling objects. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Liability auto insurance – This will cover damage that occurs to people or other property by causing an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 15/30/10 that means you have a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and a limit of $10,000 paid for damaged property.
Liability coverage pays for claims like medical services, attorney fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford. Arizona state law requires minimum liability limits of 15/30/10 but drivers should carry higher limits.
The next chart shows why buying the state minimum limits may not be adequate coverage.
Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Due to the fact that many Arizona drivers have only the minimum liability required by law (which is 15/30/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.
Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for expenses like dental work, nursing services, EMT expenses and hospital visits. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
Collision coverage – This pays to fix your vehicle from damage from colliding with an object or car. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against things such as sustaining damage from a pot hole, colliding with a tree, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible on your Civic to bring the cost down.
Quote more and you will save more
In this article, we covered a lot of ways to reduce Honda Civic insurance car insurance rates online in Chandler. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may even be surprised to find that the best price on auto insurance is with a small local company.
Cheaper Honda Civic insurance in Chandler can be sourced both online in addition to local insurance agencies, and you need to price shop both in order to have the best chance of saving money. Some insurance companies don’t offer online price quotes and usually these small, regional companies sell through independent agencies.
As you go through the steps to switch your coverage, make sure you don’t reduce needed coverages to save money. There are a lot of situations where drivers have reduced liability coverage limits and discovered at claim time that it was a big error on their part. Your strategy should be to buy a smart amount of coverage at the best possible price but still have enough coverage for asset protection.
Even more information is located in these articles:
- Alcohol Impaired Driving FAQ (iihs.org)
- Who Has Affordable Chandler Car Insurance Quotes for Retired Military? (FAQ)
- Where can I buy Insurance? (Insurance Information Institute)
- Understanding Limits and Deductibles (Allstate)
- Help Your Teen Be a Better Driver (State Farm)
- Insurance Losses by Make and Model (iihs.org)