Honda Civic Insurance Quotes in Colorado Springs

It’s hard to fathom, but the vast majority of car insurance customers have remained with the same car insurance company for well over three years, and nearly 40% of drivers have never compared quotes from other companies. Colorado Springs insurance shoppers could save almost 35% a year just by comparing rates, but they just don’t want to do a rate comparison.

Discount Honda Civic insuranceIf saving the most money is your goal, then the best way to get discount auto insurance rates is to start doing an annual price comparison from insurers who provide auto insurance in Colorado Springs.

One thing to remember is that you’ll want to make sure you compare similar deductibles and liability limits on each quote and and to compare every insurance company. This provides a level playing field and the best price selection.

If you have coverage now, you will be able to save money using these techniques. Finding the cheapest auto insurance coverage in Colorado Springs is much easier if you have a good place to start. Nevertheless, Colorado car owners can benefit from knowing how the larger insurance companies determine prices and take advantage of how the system works.

All major car insurance companies like Allstate and Progressive give prices for coverage on the web. Doing online quotes for Honda Civic insurance in Colorado Springs is easy for anyone because it’s just a matter of typing in the coverage amounts you desire into the form. When complete, the quote system gets reports for credit and driving violations and returns a price quote. Using the web to get price quotes for Honda Civic insurance in Colorado Springs helps simplify price comparisons, and it’s also necessary to have as many quotes as possible if you want to find a better rate.

To save time and find out what other companies charge, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it’s recommended you duplicate deductibles and limits identical to your current policy. This makes sure you’re receiving a fair comparison for exact coverage.

The following companies are ready to provide quotes in Colorado Springs, CO. If multiple companies are listed, it’s a good idea that you get price quotes from several of them in order to get a fair rate comparison.

Honda Civic insurance coverage information

The rate table below showcases detailed analysis of policy rates for Honda Civic models. Having insight into how auto insurance premiums are determined can help drivers make smart choices when purchasing an insurance policy.

Honda Civic Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $226 $536 $368 $22 $110 $1,262 $105
Civic VP 4-Dr Sedan $226 $630 $368 $22 $110 $1,356 $113
Civic LX 4-Dr Sedan $226 $630 $368 $22 $110 $1,356 $113
Civic DX 2-Dr Coupe $226 $630 $462 $28 $138 $1,484 $124
Civic EX 4-Dr Sedan $226 $630 $368 $22 $110 $1,356 $113
Civic LX-S 4-Dr Sedan $226 $630 $368 $22 $110 $1,356 $113
Civic LX 2-Dr Coupe $226 $726 $462 $28 $138 $1,580 $132
Civic EX-L 4-Dr Sedan $260 $726 $368 $22 $110 $1,486 $124
Civic SI 4-Dr Sedan $260 $726 $368 $22 $110 $1,486 $124
Civic EX 2-Dr Coupe $260 $726 $462 $28 $138 $1,614 $135
Civic GX 4-Dr Sedan $260 $726 $368 $22 $110 $1,486 $124
Civic EX-L 2-Dr Coupe $260 $726 $462 $28 $138 $1,614 $135
Civic Hybrid 4-Dr Sedan $294 $630 $368 $22 $110 $1,424 $119
Civic SI 2-Dr Coupe $294 $822 $462 $28 $138 $1,744 $145
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Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in specific zip code location which can increase or decrease insurance rates greatly.

Analysis of deductible levels

When shopping for auto insurance, a common question is how high or low should comp and collision deductibles be. The comparisons below determine the differences in price between low and high coverage deductibles. The first set of rates uses a $250 deductible for comp and collision and the second set of prices uses a $500 deductible.

Honda Civic insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $236 $458 $352 $20 $106 $1,197 $100
Civic VP 4-Dr Sedan $236 $538 $352 $20 $106 $1,277 $106
Civic LX 4-Dr Sedan $236 $538 $352 $20 $106 $1,277 $106
Civic DX 2-Dr Coupe $236 $538 $440 $26 $132 $1,397 $116
Civic EX 4-Dr Sedan $236 $538 $352 $20 $106 $1,277 $106
Civic LX-S 4-Dr Sedan $236 $538 $352 $20 $106 $1,277 $106
Civic LX 2-Dr Coupe $236 $620 $440 $26 $132 $1,479 $123
Civic EX-L 4-Dr Sedan $272 $620 $352 $20 $106 $1,395 $116
Civic SI 4-Dr Sedan $272 $620 $352 $20 $106 $1,395 $116
Civic EX 2-Dr Coupe $272 $620 $440 $26 $132 $1,515 $126
Civic GX 4-Dr Sedan $272 $620 $352 $20 $106 $1,395 $116
Civic EX-L 2-Dr Coupe $272 $620 $440 $26 $132 $1,515 $126
Civic Hybrid 4-Dr Sedan $306 $538 $352 $20 $106 $1,347 $112
Civic SI 2-Dr Coupe $306 $702 $440 $26 $132 $1,631 $136
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Honda Civic insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $192 $368 $352 $20 $106 $1,038 $87
Civic VP 4-Dr Sedan $192 $434 $352 $20 $106 $1,104 $92
Civic LX 4-Dr Sedan $192 $434 $352 $20 $106 $1,104 $92
Civic DX 2-Dr Coupe $192 $434 $440 $26 $132 $1,224 $102
Civic EX 4-Dr Sedan $192 $434 $352 $20 $106 $1,104 $92
Civic LX-S 4-Dr Sedan $192 $434 $352 $20 $106 $1,104 $92
Civic LX 2-Dr Coupe $192 $500 $440 $26 $132 $1,290 $108
Civic EX-L 4-Dr Sedan $220 $500 $352 $20 $106 $1,198 $100
Civic SI 4-Dr Sedan $220 $500 $352 $20 $106 $1,198 $100
Civic EX 2-Dr Coupe $220 $500 $440 $26 $132 $1,318 $110
Civic GX 4-Dr Sedan $220 $500 $352 $20 $106 $1,198 $100
Civic EX-L 2-Dr Coupe $220 $500 $440 $26 $132 $1,318 $110
Civic Hybrid 4-Dr Sedan $250 $434 $352 $20 $106 $1,162 $97
Civic SI 2-Dr Coupe $250 $566 $440 $26 $132 $1,414 $118
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Rate information does not factor in vehicle garaging location which can revise prices noticeably.

Using the data above, we can ascertain that using a $250 deductible costs approximately $15 more each month or $180 a year than quoting the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally average more than 17 months between claims, you would most likely save money by going with a higher deductible.

Calculation for raising deductibles

Average monthly premium for $250 deductibles: $115
Average monthly premium for $500 deductibles (subtract): – $100
Monthly savings from raising deductible: $15
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

An important thing to remember is that raising deductibles to save money means you will have to pay more when you have a comprehensive or collision claim. That will require enough money put aside in the event you need to pay more for the deductible.

The diagram below demonstrates how deductible levels and can raise or lower Honda Civic insurance premiums for different insured age categories. The premiums are based on a single female driver, full coverage, and no discounts are taken into consideration.

Auto insurance rates are higher with tickets and accidents

The diagram below highlights how speeding tickets and at-fault claims can increase Honda Civic car insurance costs for different age groups of insureds. The data assumes a married male driver, full coverage, $250 deductibles, and no discounts are applied to the premium.

Full coverage rates compared to liability-only

The diagram below compares Honda Civic car insurance costs when comparing full coverage to state minimum liability only. The premium estimates are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are factored in.

Are you wasting money paying for full coverage?

There is no definitive rule that works best for making the decision to drop physical damage coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s say your Honda Civic replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after you pay the deductible. If premiums are more than $400 a year to have full coverage, then it might be time to buy liability only.

There are some conditions where dropping physical damage coverage is not recommended. If you haven’t paid off your loan, you have to carry full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Choosing Civic insurance is an important decision

Even though it can be expensive, buying auto insurance may not be optional for several reasons.

The benefits of having insurance greatly outweigh the cost, especially if you ever need it. Today the average American driver is overpaying over $800 each year so it’s very important to do a rate comparison at every renewal to be sure current rates are still competitive.

How Your Civic Insurance Costs are Determined

When buying insurance it’s important to understand some of the factors that help calculate your policy premiums. When you know what positively or negatively impacts premium levels, this allows you to make good choices that may result in cheaper rates. Lots of things are part of the equation when quoting car insurance. Some factors are common sense like an MVR report, but other criteria are more transparent such as whether you are married or how financially stable you are.

Insurance quotes and discounts

Insurance can cost an arm and a leg, but you can get discounts that could help you make your next renewal payment. Some discounts apply automatically when you complete an application, but a few need to be specially asked for before you get the savings.Insurance discounts

You can save money using discounts, but some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like liability, collision or medical payments. Just because you may think you can get free auto insurance, nobody gets a free ride.

The illustration below illustrates the comparison of Honda Civic insurance premiums with and without discounts being applied to the rates. Data assumes a female driver, no driving violations, no at-fault accidents, Colorado state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, marriage, safe-driver, homeowner, and claim-free discounts applied.

Some of the larger companies who may offer these discounts include:

When quoting, ask every prospective company the best way to save money. All car insurance discounts might not be offered on policies in Colorado Springs.

Compare prices but buy from a neighborhood Colorado Springs auto insurance agent

Some consumers still like to get professional advice from a licensed agent and that is not a bad decision An additional benefit of comparing rate quotes online is the fact that drivers can get cheaper auto insurance rates and still buy from a local agent.

Insurance agency in Colorado SpringsTo help locate an agent, after submitting this short form, your insurance data is submitted to insurance agents in Colorado Springs that can give you free Colorado Springs auto insurance quotes for your coverage. There is no need to do any legwork since rate quotes are delivered instantly to you. It’s the lowest rates without having to waste a lot of time. If you want to get a comparison quote from a specific company, you would need to jump over to their website and complete a quote there.

Finding the right provider requires more thought than just the bottom line cost. Here are some questions to ask:

If you’re trying to find a reliable agent, it helps to know the two different types of agencies that you can select. Agents in Colorado Springs can be categorized as either exclusive agents or independent agents.

Exclusive Agents

Agents of this type generally can only insure with one company and some examples include AAA, Allstate, and State Farm. They are unable to give you multiple price quotes so keep that in mind. Exclusive agents are very knowledgeable on sales techniques which aids in selling service over price.

Below are exclusive agents in Colorado Springs who may provide you with rate quotes.

8540 Scarborough Dr Ste 220Colorado Springs, CO 80920(719) 591-6336View Map

1867 S Academy BlvdColorado Springs, CO 80916(719) 434-3944View Map

3225 Templeton Gap Rd Ste 104Colorado Springs, CO 80907(719) 636-3336View Map

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Independent Agencies or Brokers

Independent agents are appointed with more than one company and that gives them the ability to insure with any number of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, an independent agent can move your coverage and you don’t have to do anything. When comparing rates, you should always check rates from a couple of independent agencies to get the best comparison.

Listed below are Colorado Springs independent agents that can give you price quote information.

4390 Academy Blvd NColorado Springs, CO 80918(719) 329-4441View Map

1880 Dublin Blvd # CColorado Springs, CO 80918(719) 528-1555View Map

2105 E Bijou St AColorado Springs, CO 80909(719) 636-3369View Map

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Affordable car insurance rates are out there

Cost effective Honda Civic insurance can be purchased from both online companies in addition to many Colorado Springs insurance agents, so you should compare both to have the best chance of lowering rates. A few companies do not offer the ability to get a quote online and most of the time these small, regional companies prefer to sell through independent insurance agencies.

Throughout this article, we presented some good ideas how you can lower your Honda Civic insurance premium rates in Colorado Springs. The most important thing to understand is the more quotes you get, the better your chances of lowering your prices. You may even find the biggest savings come from the smaller companies. These smaller insurers often have lower prices on specific markets than their larger competitors like Progressive or GEICO.

As you prepare to switch companies, do not skimp on coverage in order to save money. In too many instances, an insured dropped collision coverage and found out when filing a claim that it was a big mistake. The aim is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

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