Cheap Honda Civic Insurance in San Antonio

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Insurance rates Honda Civic in San AntonioDo you want to save money by buying more competitive Honda Civic insurance in San Antonio? I can't think of a single person who looks forward to paying for insurance, especially when they are aware that it costs too dang much.

It's astonishing, but a large majority of drivers kept buying from the same company for at least four years, and almost half have never compared quotes from other companies. The average driver in San Antonio can save hundreds of dollars each year just by getting comparison quotes, but they just assume it takes a lot of time to find affordable rates by getting comparison quotes.

Numerous auto insurance companies battle for your business, so it can be very hard to choose a insurance company and uncover the absolute best price available on Honda Civic insurance in San Antonio.

When looking for cheaper San Antonio auto insurance quotes, there are a couple ways to compare quotes from companies that offer auto insurance in Texas. The best way to compare rates consists of obtaining rate quotes online.

It's so easy to compare rates online that it makes it a waste of time to actually drive to different San Antonio agent offices. The fact that you can get quotes online makes this unnecessary unless you have a complicated situation and need the personal advice only provided by licensed San Antonio agents. If you prefer, some companies allow you to obtain prices from the web and get advice from an agent in your area.

When price shopping your coverage, getting more free quotes helps locate more affordable insurance.

The companies shown below have been selected to offer free quotes in Texas. If more than one company is shown, we suggest you compare several of them to find the lowest auto insurance rates.

Honda Civic insurance statistics and information

The premium table shown next covers a range of rate quotes for Honda Civic models. Having insight into how prices are determined can help customers make smart policy decisions.

Honda Civic Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $122 $260 $358 $22 $108 $870 $73
Civic VP 4-Dr Sedan $122 $306 $358 $22 $108 $916 $76
Civic LX 4-Dr Sedan $122 $306 $358 $22 $108 $916 $76
Civic DX 2-Dr Coupe $122 $306 $448 $26 $134 $1,036 $86
Civic EX 4-Dr Sedan $122 $306 $358 $22 $108 $916 $76
Civic LX-S 4-Dr Sedan $122 $306 $358 $22 $108 $916 $76
Civic LX 2-Dr Coupe $122 $352 $448 $26 $134 $1,082 $90
Civic EX-L 4-Dr Sedan $140 $352 $358 $22 $108 $980 $82
Civic SI 4-Dr Sedan $140 $352 $358 $22 $108 $980 $82
Civic EX 2-Dr Coupe $140 $352 $448 $26 $134 $1,100 $92
Civic GX 4-Dr Sedan $140 $352 $358 $22 $108 $980 $82
Civic EX-L 2-Dr Coupe $140 $352 $448 $26 $134 $1,100 $92
Civic Hybrid 4-Dr Sedan $158 $306 $358 $22 $108 $952 $79
Civic SI 2-Dr Coupe $158 $398 $448 $26 $134 $1,164 $97
Get Your Own Custom Quote Go

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rate quotes do not factor in vehicle garaging location which can change price quotes considerably.

Rate comparison for different deductibles

One of the hardest decisions when shopping for auto insurance is where to set your physical damage deductibles. The rates below help summarize the premium difference when you buy lower versus higher policy deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second data table uses a $500 deductible.

Honda Civic insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $256 $496 $382 $22 $114 $1,295 $108
Civic VP 4-Dr Sedan $256 $584 $382 $22 $114 $1,383 $115
Civic LX 4-Dr Sedan $256 $584 $382 $22 $114 $1,383 $115
Civic DX 2-Dr Coupe $256 $584 $476 $28 $142 $1,511 $126
Civic EX 4-Dr Sedan $256 $584 $382 $22 $114 $1,383 $115
Civic LX-S 4-Dr Sedan $256 $584 $382 $22 $114 $1,383 $115
Civic LX 2-Dr Coupe $256 $672 $476 $28 $142 $1,599 $133
Civic EX-L 4-Dr Sedan $294 $672 $382 $22 $114 $1,509 $126
Civic SI 4-Dr Sedan $294 $672 $382 $22 $114 $1,509 $126
Civic EX 2-Dr Coupe $294 $672 $476 $28 $142 $1,637 $136
Civic GX 4-Dr Sedan $294 $672 $382 $22 $114 $1,509 $126
Civic EX-L 2-Dr Coupe $294 $672 $476 $28 $142 $1,637 $136
Civic Hybrid 4-Dr Sedan $332 $584 $382 $22 $114 $1,459 $122
Civic SI 2-Dr Coupe $332 $762 $476 $28 $142 $1,765 $147
Get Your Own Custom Quote Go
Honda Civic insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $208 $400 $382 $22 $114 $1,126 $94
Civic VP 4-Dr Sedan $208 $472 $382 $22 $114 $1,198 $100
Civic LX 4-Dr Sedan $208 $472 $382 $22 $114 $1,198 $100
Civic DX 2-Dr Coupe $208 $472 $476 $28 $142 $1,326 $111
Civic EX 4-Dr Sedan $208 $472 $382 $22 $114 $1,198 $100
Civic LX-S 4-Dr Sedan $208 $472 $382 $22 $114 $1,198 $100
Civic LX 2-Dr Coupe $208 $542 $476 $28 $142 $1,396 $116
Civic EX-L 4-Dr Sedan $240 $542 $382 $22 $114 $1,300 $108
Civic SI 4-Dr Sedan $240 $542 $382 $22 $114 $1,300 $108
Civic EX 2-Dr Coupe $240 $542 $476 $28 $142 $1,428 $119
Civic GX 4-Dr Sedan $240 $542 $382 $22 $114 $1,300 $108
Civic EX-L 2-Dr Coupe $240 $542 $476 $28 $142 $1,428 $119
Civic Hybrid 4-Dr Sedan $270 $472 $382 $22 $114 $1,260 $105
Civic SI 2-Dr Coupe $270 $614 $476 $28 $142 $1,530 $128
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in specific location which can increase or decrease coverage prices significantly.

We can derive from the above data that using a $250 deductible will cost you about $17 more each month or $204 for a full year averaged for all Civic models than requesting the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 15 months between claims, you would save more money if you decide on a higher deductible.

How to determine when to raise deductibles

Average monthly premium for $250 deductibles: $125
Average monthly premium for $500 deductibles (subtract): - $108
Monthly savings from raising deductible: $17
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One thing to note is that increasing deductibles to save money results in a higher out-of-pocket expense when you have to file a claim. You need to have some savings in order to pay the deductible to have repairs made.

Honda Civic annual premiums for males versus females

The illustration below shows the comparison of Honda Civic insurance costs for male and female drivers. The premium estimates are based on a clean driving record, no at-fault accidents, comp and collision included, $1,000 deductibles, single marital status, and no discounts are factored in.

Should you buy full coverage?

The illustration below illustrates the difference between Honda Civic car insurance rates when comparing full coverage to state minimum liability only. The premiums are based on no driving violations, no at-fault accidents, $1,000 deductibles, single status, and no discounts are factored in.

When to drop full coverage

There is no exact formula to stop buying physical damage coverage, but there is a general convention. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let's pretend your Honda Civic book value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $4,000 after you pay the deductible. If you are currently paying more than $400 annually for comprehensive and collision coverage, then it might be time to buy liability only.

There are some conditions where buying only liability insurance is not recommended. If you haven't paid off your loan, you have to carry full coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle in case of an accident, you should not remove full coverage.

Auto insurance is not optional but you don't have to overpay

Despite the potentially high cost of Honda Civic insurance, maintaining insurance is most likely required but also gives you several important benefits.

  • The majority of states have mandatory liability insurance requirements which means state laws require specific limits of liability if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If your Honda Civic has a loan, more than likely the lender will make it mandatory that you carry insurance to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the bank will be required to insure your Honda at a more expensive rate and require you to fork over for it.
  • Insurance protects not only your Honda Civic but also your financial assets. It will also provide coverage for all forms of medical expenses incurred in an accident. Liability insurance, one of your policy coverages, will also pay to defend you in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to repair the damage.

The benefits of having auto insurance definitely exceed the cost, particularly when you have a large claim. On average, a vehicle owner in San Antonio overpays as much as $850 per year so compare rate quotes at least once a year to ensure rates are competitive.

Honda Civic Insurance Rates Can Be Cheaper

When buying insurance it's important to understand some of the elements that come into play when calculating your policy premiums. If you have a feel for what controls the rates you pay, this enables you to make decisions that could help you find lower premium levels. Lots of things are considered when you get your auto insurance bill. Most are fairly basic like a motor vehicle report, although others are more transparent like your vehicle usage or your financial responsibility.

More traffic means higher claims - Having an address in less populated areas of the country may provide you with better prices when insuring your vehicles. Fewer drivers on the road means fewer accidents and lower theft and vandalism rates. Drivers who live in large Texas cities regularly have more auto accidents and longer commute times. More time on the road translates into higher accident risk.

Insurance rates and age - Youthful drivers in Texas are statistically proven to be less responsible when driving so insurance rates are higher. More mature drivers are more responsible, cause fewer claims and accidents, and usually have better credit.

The data below is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.

Can a thief steal your car? - Purchasing a vehicle with an alarm system can save you some money. Systems that thwart thieves like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart car theft and help bring rates down.

Lower miles driven equals lower premium - The more miles you rack up on your Honda annually the more it will cost to insure it. Many insurance companies charge rates based upon how much you drive. Cars that are left in the garage cost less to insure than cars that get driven a lot. Make sure your policy properly reflects how each vehicle is driven, because it can save money. An improperly rated Civic may be wasting your money.

Honda Civic claim probability - Companies use claims history as a way to help calculate a profitable premium rate. Models that have higher prevalence or dollar amount of losses will have a higher premium rate. The next table shows the compiled insurance loss statistics for Honda Civic vehicles.

For each coverage category, the claim amount for all vehicles, regardless of make or model, is represented as 100. Values that are under 100 suggest a positive loss record, while numbers above 100 indicate a higher chance of having a claim or an increased chance of larger losses than average.

Honda Civic Insurance Claim Statistics
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Honda Civic 92 105 68 127 135 121
Honda Civic Hybrid 90 85 106 105 78
Honda Civic Si 126 97 117 124 104
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Quote more and you will save more

Lower-priced car insurance in San Antonio can be purchased both online and also from your neighborhood San Antonio agents, and you need to price shop both in order to have the best price selection to choose from. Some companies do not provide rates over the internet and these regional insurance providers work with independent agencies.

When searching for affordable San Antonio auto insurance quotes, it's very important that you do not reduce needed coverages to save money. There are a lot of situations where someone dropped liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at the best cost, not the least amount of coverage.

In this article, we presented a lot of ways to find cheaper Honda Civic insurance in San Antonio. It's most important to understand that the more you quote San Antonio auto insurance, the better your chances of lowering your auto insurance rates. You may even discover the best price on car insurance is with the smaller companies. Regional companies may have significantly lower auto insurance rates on certain market segments than the large multi-state companies such as State Farm, GEICO and Nationwide.

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