Best Ways to Save on Sacramento Honda Civic Insurance

No sane person likes buying car insurance, especially when they are aware that they are paying too much.

Insurance for Honda CivicShockingly, over 70% of drivers kept their coverage with the same car insurance company for more than four years, and approximately 40% of consumers have never quoted car insurance rates at all. Most drivers in Sacramento could save up to 35% every year just by getting comparison quotes, but they underestimate the amount of money they would save if they switched to a more affordable policy. Having so many car insurance companies to choose from, it is very difficult to locate a more affordable company.

You need to do rate comparisons periodically because car insurance prices tend to go up over time. Just because you had the best price on Honda Civic insurance in Sacramento a couple years back a different company probably has better rates today. Block out anything you think you know about car insurance because you’re about to learn the tricks you need to know to properly buy coverages while reducing your premium.

Components of Your Honda Civic Insurance Premiums

Lots of things are part of the equation when quoting car insurance. Some are pretty understandable such as traffic violations, but other criteria are not quite as obvious such as your marital status or how financially stable you are.

Rates and data analysis

The coverage table shown next covers a range of coverage costs for Honda Civic models. Having a good grasp of how auto insurance policy rates are determined can assist in making smart choices when comparing insurance quotes.

Honda Civic Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $298 $576 $442 $26 $132 $1,474 $123
Civic VP 4-Dr Sedan $298 $678 $442 $26 $132 $1,576 $131
Civic LX 4-Dr Sedan $298 $678 $442 $26 $132 $1,576 $131
Civic DX 2-Dr Coupe $298 $678 $552 $32 $166 $1,726 $144
Civic EX 4-Dr Sedan $298 $678 $442 $26 $132 $1,576 $131
Civic LX-S 4-Dr Sedan $298 $678 $442 $26 $132 $1,576 $131
Civic LX 2-Dr Coupe $298 $780 $552 $32 $166 $1,828 $152
Civic EX-L 4-Dr Sedan $342 $780 $442 $26 $132 $1,722 $144
Civic SI 4-Dr Sedan $342 $780 $442 $26 $132 $1,722 $144
Civic EX 2-Dr Coupe $342 $780 $552 $32 $166 $1,872 $156
Civic GX 4-Dr Sedan $342 $780 $442 $26 $132 $1,722 $144
Civic EX-L 2-Dr Coupe $342 $780 $552 $32 $166 $1,872 $156
Civic Hybrid 4-Dr Sedan $386 $678 $442 $26 $132 $1,664 $139
Civic SI 2-Dr Coupe $386 $882 $552 $32 $166 $2,018 $168
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Prices do not factor in garaging location in Sacramento which can lower or raise price quotes significantly.

Save money by taking advantage of discounts

Companies that sell car insurance don’t list all discounts very well, so the following list contains both the well known and the more hidden credits that you can use to lower your rates. If you aren’t receiving every discount available, you are paying more than you should be.Cheaper insurance with discounts

Remember that most discount credits are not given to the entire policy premium. Most cut the cost of specific coverages such as liability and collision coverage. So when the math indicates all those discounts means the company will pay you, you’re out of luck.

The illustration below compares Honda Civic auto insurance rates with and without some available policy discounts. The premiums are based on a female driver, no claims or driving citations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, claim-free, safe-driver, and multi-car discounts applied.

A list of insurance companies and the discounts they provide can be read below.

If you need lower rates, check with each company which discounts can lower your rates. Discounts might not be offered in your state. To find insurance companies offering insurance discounts in California, click here.

You can lower your auto insurance rates

In this article, we covered many ways to get a better price on Honda Civic insurance in Sacramento. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding the cheapest Honda Civic rate quotes. You may even discover the most savings is with some of the smallest insurance companies. Smaller companies may only write in your state and offer lower car insurance rates as compared to the big name companies such as State Farm and Allstate.

As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where an accident victim reduced collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your focus should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

How to save money on Honda Civic insurance in Sacramento

If saving money is your primary concern, then the best way to get more affordable car insurance rates is to begin comparing prices regularly from insurance carriers who can sell car insurance in Sacramento.

  1. It will benefit you to learn about coverages and the steps you can take to prevent rate increases. Many rating factors that drive up the price such as traffic citations, accidents, and an imperfect credit history can be remedied by being financially responsible and driving safely.
  2. Compare prices from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from one company like GEICO or Farmers Insurance, while independent agents can give you price quotes from multiple sources.
  3. Compare the new rates to your existing rates and determine if cheaper Civic coverage is available in Sacramento. If you find better rates, ensure there is no coverage lapse between policies.

An important note is to compare similar deductibles and liability limits on every quote request and and to get price estimates from all possible companies. Doing this guarantees the most accurate price comparison and the best price selection.

Additional auto insurance information is available at these links: