Do you want to save money by finding more affordable Honda Civic insurance in Long Beach? Price shopping your Honda Civic insurance in Long Beach may be frustrating for beginners to quoting and comparing rates online. With such a large choice of insurers to choose from, it can easily be a difficult situation to find the best price in California on Honda Civic insurance.
How to find low-cost rates for Honda Civic insurance in Long Beach
If you want to save money, the best way to quote cheaper auto insurance rates is to start comparing rates regularly from insurance carriers who sell insurance in Long Beach. Price quotes can be compared by following these steps.
- Step 1: Try to comprehend how car insurance works and the factors you can control to keep rates low. Many rating criteria that drive up the price like accidents, traffic violations, and an imperfect credit history can be amended by improving your driving habits or financial responsibility. Later in this article we will cover instructions to prevent high rates and earn larger discounts.
- Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like Progressive or Allstate, while agents who are independent can provide prices for a wide range of companies. View insurance agents
- Step 3: Compare the price quotes to your current policy to see if cheaper Civic coverage is available in Long Beach. If you find a better price and change companies, make sure there is no coverage gap between policies.
- Step 4: Provide notification to your current agent or company of your intent to cancel your current auto insurance policy and submit payment and a completed application to the new company. As soon as you can, put the new certificate of insurance somewhere easily accessible.
One bit of advice is to compare identical coverages on every price quote and to quote with all possible companies. Doing this enables the most accurate price comparison and a good representation of prices.
It’s hard to fathom, but a large majority of drivers in California have stayed with the same insurance company for at least four years, and 38% of customers have never shopped around. U.S. drivers could pocket up to $850 a year just by getting comparison quotes, but they just don’t understand the large savings they would see if they switched to a cheaper policy.
It’s a good idea to compare rates once or twice a year because rates are usually higher with each renewal. Even if you think you had the best deal on Honda Civic insurance in Long Beach a couple years back you will most likely find a better price today. Forget anything you know (or think you know) about auto insurance because I’m going to teach you the tricks you need to know to find lower rates on auto insurance.
Finding the cheapest auto insurance coverage in Long Beach is actually not that difficult if you follow our advice. If you are already insured, you will be able to reduce premiums using the concepts you’re about to learn. But California consumers do need to know how big insurance companies calculate your auto insurance rates and use it to your advantage.
It’s important to know that obtaining a wide range of quotes helps locate a lower rate.
The companies shown below provide comparison quotes in California. If multiple companies are listed, it’s highly recommended you click on several of them to find the lowest car insurance rates.
Rates and detailed analysis
The coverage table shown next showcases different coverage costs for Honda Civic models. Learning a little about how auto insurance premiums are formulated is important for making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $178 | $354 | $450 | $26 | $134 | $1,142 | $95 |
| Civic VP 4-Dr Sedan | $178 | $418 | $450 | $26 | $134 | $1,206 | $101 |
| Civic LX 4-Dr Sedan | $178 | $418 | $450 | $26 | $134 | $1,206 | $101 |
| Civic DX 2-Dr Coupe | $178 | $418 | $564 | $34 | $168 | $1,362 | $114 |
| Civic EX 4-Dr Sedan | $178 | $418 | $450 | $26 | $134 | $1,206 | $101 |
| Civic LX-S 4-Dr Sedan | $178 | $418 | $450 | $26 | $134 | $1,206 | $101 |
| Civic LX 2-Dr Coupe | $178 | $482 | $564 | $34 | $168 | $1,426 | $119 |
| Civic EX-L 4-Dr Sedan | $204 | $482 | $450 | $26 | $134 | $1,296 | $108 |
| Civic SI 4-Dr Sedan | $204 | $482 | $450 | $26 | $134 | $1,296 | $108 |
| Civic EX 2-Dr Coupe | $204 | $482 | $564 | $34 | $168 | $1,452 | $121 |
| Civic GX 4-Dr Sedan | $204 | $482 | $450 | $26 | $134 | $1,296 | $108 |
| Civic EX-L 2-Dr Coupe | $204 | $482 | $564 | $34 | $168 | $1,452 | $121 |
| Civic Hybrid 4-Dr Sedan | $230 | $418 | $450 | $26 | $134 | $1,258 | $105 |
| Civic SI 2-Dr Coupe | $230 | $544 | $564 | $34 | $168 | $1,540 | $128 |
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Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rate information does not factor in Long Beach location which can raise or lower coverage prices greatly.
Can higher deductibles save money?
When shopping for insurance, a common question is which deductibles should you choose. The comparison tables below may help to conceptualize the price difference when you choose different insurance deductibles. The first price estimate table uses a $100 physical damage coverage deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Civic VP 4-Dr Sedan | $332 | $810 | $442 | $26 | $132 | $1,767 | $147 |
| Civic LX 4-Dr Sedan | $332 | $810 | $442 | $26 | $132 | $1,767 | $147 |
| Civic DX 2-Dr Coupe | $332 | $810 | $552 | $32 | $166 | $1,917 | $160 |
| Civic EX 4-Dr Sedan | $332 | $810 | $442 | $26 | $132 | $1,767 | $147 |
| Civic LX-S 4-Dr Sedan | $332 | $810 | $442 | $26 | $132 | $1,767 | $147 |
| Civic LX 2-Dr Coupe | $332 | $932 | $552 | $32 | $166 | $2,039 | $170 |
| Civic EX-L 4-Dr Sedan | $380 | $932 | $442 | $26 | $132 | $1,937 | $161 |
| Civic SI 4-Dr Sedan | $380 | $932 | $442 | $26 | $132 | $1,937 | $161 |
| Civic EX 2-Dr Coupe | $380 | $932 | $552 | $32 | $166 | $2,087 | $174 |
| Civic GX 4-Dr Sedan | $380 | $932 | $442 | $26 | $132 | $1,937 | $161 |
| Civic EX-L 2-Dr Coupe | $380 | $932 | $552 | $32 | $166 | $2,087 | $174 |
| Civic Hybrid 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Civic SI 2-Dr Coupe | $430 | $1054 | $552 | $32 | $166 | $2,259 | $188 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $242 | $464 | $442 | $26 | $132 | $1,306 | $109 |
| Civic VP 4-Dr Sedan | $242 | $546 | $442 | $26 | $132 | $1,388 | $116 |
| Civic LX 4-Dr Sedan | $242 | $546 | $442 | $26 | $132 | $1,388 | $116 |
| Civic DX 2-Dr Coupe | $242 | $546 | $552 | $32 | $166 | $1,538 | $128 |
| Civic EX 4-Dr Sedan | $242 | $546 | $442 | $26 | $132 | $1,388 | $116 |
| Civic LX-S 4-Dr Sedan | $242 | $546 | $442 | $26 | $132 | $1,388 | $116 |
| Civic LX 2-Dr Coupe | $242 | $630 | $552 | $32 | $166 | $1,622 | $135 |
| Civic EX-L 4-Dr Sedan | $278 | $630 | $442 | $26 | $132 | $1,508 | $126 |
| Civic SI 4-Dr Sedan | $278 | $630 | $442 | $26 | $132 | $1,508 | $126 |
| Civic EX 2-Dr Coupe | $278 | $630 | $552 | $32 | $166 | $1,658 | $138 |
| Civic GX 4-Dr Sedan | $278 | $630 | $442 | $26 | $132 | $1,508 | $126 |
| Civic EX-L 2-Dr Coupe | $278 | $630 | $552 | $32 | $166 | $1,658 | $138 |
| Civic Hybrid 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Civic SI 2-Dr Coupe | $314 | $712 | $552 | $32 | $166 | $1,776 | $148 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Price estimates do not factor in Long Beach location which can influence insurance rates noticeably.
Using the data above, we can ascertain that using a $100 deductible costs roughly $33 more each month or $396 each year averaged for all Civic models than choosing the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at least 12 months between claim filings, you would most likely save money if you choose a higher deductible.
Premiums by gender and age
The example below shows the difference between Honda Civic insurance rates for male and female drivers. The price estimates are based on no accidents or driving violations, comp and collision included, $1,000 deductibles, drivers are not married, and no discounts are factored in.
Should you buy full coverage?
The diagram below shows the comparison of Honda Civic car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The premiums are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no additional discounts are factored in.
When to drop comprehensive and collision
There isn’t a written rule of when to eliminate physical damage coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s assume your Honda Civic claim settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $3,000 after the deductible is paid. If you are currently paying more than $300 a year for your policy with full 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 still have a lienholder on your title, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.
Three main reasons to buy insurance
Even though it can be expensive, insurance serves an important purpose.
First, the majority of states have mandatory liability insurance requirements which means you are required to buy a specific minimum amount of liability protection in order to drive the car. 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.
Second, if you have a loan on your car, almost every bank will make it mandatory that you have insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Honda at an extremely high rate and force you to pay the higher premium.
Third, insurance protects not only your vehicle but also your assets. It will also provide coverage for medical expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if you cause an accident and are sued. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of having insurance are definitely more than the cost, particularly for liability claims. The average driver in California is wasting up to $810 a year so you should quote your policy with other companies every year to make sure the price is not too high.
Get Lower-cost Insurance Prices by Understanding These Factors
Lots of factors are used in the calculation when you quote your car insurance policy. Some are pretty understandable such as your driving record, but other factors are more transparent such as your marital status or how safe your car is. It’s important that you understand some of the elements that help calculate the rates you pay for auto insurance. If you understand what determines base rates, this allows you to make educated decisions that could help you find lower auto insurance prices.
The list below includes some of the factors that factor into your premiums.
- Higher premiums for specific occupations – Jobs such as fire fighters, business owners, and accountants tend to pay the highest average rates in part from intense work-related stress and lengthy work days. Other jobs such as actors, students and retirees pay the least.
- Multiple policies with one company can save – Most major companies will award a discount to clients that purchase more than one policy in the form of a multi-policy discount. Even with this discount applied, you may still want to comparison shop to make sure you are getting the best deal.There is a chance you can save even more than the discount even if you have your coverage with different companies
- If you don’t need it don’t buy it – There are quite a few extra coverages that can add up but may not be useful. Insurance for things like vanishing deductibles, towing coverage, and Farm Bureau memberships are examples of these. These may sound like a good investment when talking to your agent, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
- Cars with good safety ratings save money – Vehicles with high crash test scores cost less to insure. Vehicles built for safety have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Honda Civic scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
- Low credit rating equals high prices – Having a bad credit rating can be a huge factor in calculating your premium rate. Drivers with good credit tend to file fewer claims than drivers with lower credit scores. So if your credit rating is low, you could potentially save money when insuring your Honda Civic by repairing your credit.
- Never let your auto insurance policy lapse – Allowing your auto insurance policy to lapse can be a quick way to increase your auto insurance rates. And not only will your rates increase, being ticketed for driving with no insurance could earn you a revoked license or a big fine.
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Honda Civic claim data – Insurers analyze past claim statistics as a way to help calculate a profitable premium price. Vehicles that the statistics show to have higher prevalence or dollar amount of losses will have increased rates. The information below illustrates the insurance loss data for Honda Civic vehicles.
For each insurance policy coverage type, the claim probability for all vehicles averaged together is a value of 100. Values that are below 100 represent a good loss history, while values over 100 show a trend for more claims or statistically larger losses.
Auto Insurance Loss Data for Honda Civic Models Vehicle Make and 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
When to get professional advice
When it comes to choosing a policy, there is no one-size-fits-all type of policy. Everyone’s situation is unique and a cookie cutter policy won’t apply.
These are some specific questions could help you determine whether or not you will benefit from professional help.
- Is borrowed equipment or tools covered if stolen or damaged?
- What is roadside assistance coverage?
- What is an umbrella policy?
- Will I lose any money if I cancel my policy before it expires?
- Do I really need UM/UIM coverage?
- How much liability insurance is required?
- Why am I be forced to buy a membership to get insurance from some companies?
- What if I owe more than I can insure my car for?
If you don’t know the answers to these questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.
Cheaper insurance rates are out there
We’ve covered a lot of tips how to compare Honda Civic insurance car insurance rates in Long Beach. The key thing to remember is the more price quotes you have, the better likelihood of getting affordable Honda Civic insurance quotes. You may even find the most savings is with a small local company. These smaller insurers may only write in your state and offer lower premium rates than the large multi-state companies such as Allstate or State Farm.
Some companies may not offer rate quotes online and many times these regional insurance providers only sell through independent agents. Cheaper insurance in Long Beach is definitely available online and with local Long Beach insurance agents, so compare prices from both to have the best chance of lowering rates.
How to buy low-cost Honda Civic insurance in Long Beach
If your goal is the lowest price, then the best way to get affordable Honda Civic insurance is to begin comparing prices regularly from insurers who can sell car insurance in Long Beach. Prices can be compared by following these guidelines.
- Step 1: Try to learn about how auto insurance works and the things you can change to keep rates low. Many rating criteria that drive up the price like multiple speeding tickets and your credit history can be amended by making lifestyle changes or driving safer.
- Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like GEICO or State Farm, while independent agencies can give you price quotes for a wide range of companies.
- Step 3: Compare the price quotes to the price on your current policy and see if you can save money. If you find a lower rate, verify that coverage does not lapse between policies.
- Step 4: Provide proper notification to your current company of your decision to cancel your current policy and submit payment along with a signed and completed policy application to the new insurer. Once received, keep your new proof of insurance certificate in your vehicle’s glove compartment or console.
One key aspect of rate comparisons is to use the same amount of coverage on each quote and and to analyze as many car insurance companies as possible. Doing this ensures an apples-to-apples comparison and the most accurate and complete price analysis.
More information can be read at these links:
- Distracted Driving (Insurance Information Institute)
- Who Has the Cheapest Car Insurance Rates for a Hyundai Elantra in Long Beach? (FAQ)
- What Insurance is Cheapest for a Honda Accord in Long Beach? (FAQ)
- What Insurance is Cheapest for a Jeep Grand Cherokee in Long Beach? (FAQ)
- Who Has Affordable Long Beach Auto Insurance Rates for 18 Year Olds? (FAQ)
- Should I Buy a New or Used Car? (Allstate)
- Choosing a Car for Your Teen (State Farm)