Want to learn how to save money and find low-cost Honda Civic insurance in Austin? Buying lower-cost Austin Honda Civic insurance quotes can be difficult for drivers who are beginners to quoting and comparing prices on the internet. With such a big selection of agents and companies in the marketplace, how are drivers expected to have the ability to compare each option to find the best price?
A recent survey discovered that about 70% of customers kept their policy with the same company for well over three years, and almost 40% of drivers have never even compared quotes to find lower-cost rates. Austin insurance shoppers could save themselves $1,800 a year, but most undervalue the large savings they would see if they replace their high priced policy.
Choosing the most cost-effective auto insurance policy in Austin is not rocket science. Practically each driver who quotes auto insurance stands a good chance to be able to cut their insurance bill. But Texas car owners need to have an understanding of the way companies price insurance differently because rates fluctuate considerably.
Car insurance providers offering affordable price quotes in Texas
The car insurance companies shown below are our best choices to provide price quotes in Texas. If several companies are displayed, we recommend you visit two to three different companies to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $136 | $322 | $430 | $26 | $128 | $1,042 | $87 |
| Civic VP 4-Dr Sedan | $152 | $416 | $496 | $30 | $148 | $1,242 | $104 |
| Civic LX 4-Dr Sedan | $246 | $684 | $430 | $26 | $128 | $1,514 | $126 |
| Civic DX 2-Dr Coupe | $246 | $684 | $538 | $32 | $162 | $1,662 | $139 |
| Civic EX 4-Dr Sedan | $136 | $360 | $400 | $24 | $120 | $1,040 | $87 |
| Civic LX-S 4-Dr Sedan | $246 | $718 | $430 | $26 | $128 | $1,548 | $129 |
| Civic LX 2-Dr Coupe | $318 | $988 | $642 | $38 | $192 | $2,178 | $182 |
| Civic EX-L 4-Dr Sedan | $166 | $390 | $392 | $24 | $118 | $1,090 | $91 |
| Civic SI 4-Dr Sedan | $226 | $558 | $358 | $22 | $108 | $1,272 | $106 |
| Civic EX 2-Dr Coupe | $166 | $390 | $490 | $30 | $146 | $1,222 | $102 |
| Civic GX 4-Dr Sedan | $318 | $788 | $388 | $24 | $116 | $1,634 | $136 |
| Civic EX-L 2-Dr Coupe | $174 | $478 | $620 | $36 | $186 | $1,494 | $125 |
| Civic Hybrid 4-Dr Sedan | $228 | $452 | $514 | $30 | $154 | $1,378 | $115 |
| Civic SI 2-Dr Coupe | $202 | $550 | $576 | $34 | $172 | $1,534 | $128 |
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Premium amounts do not factor in Austin location which can increase or decrease coverage prices noticeably.
Honda Civic liability-only versus full coverage
The example below illustrates the difference between Honda Civic premium costs with and without physical damage coverage. The information is based on no claims, a clean driving record, $250 deductibles, single male driver, and no discounts are taken into consideration.
When to drop comprehensive and collision coverage
There is no clear-cut formula to eliminate full coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Honda Civic settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $5,000 after you pay the deductible. If premiums are more than $500 annually for comprehensive and collision coverage, then it could be time to drop full coverage.
There are some cases where dropping physical damage coverage is not a good idea. If you haven’t satisfied your loan, you must maintain physical damage 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 in an accident, you should keep full coverage on your policy.
Cheaper rates on Honda Civic insurance in Austin with these auto insurance discounts
Car insurance companies don’t necessarily list the entire discount list in an easy-to-find place, so the below list has a few of the more well known as well as some of the hidden ways to save on auto insurance.
- Anti-theft System – Cars and trucks optioned with advanced anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
- Austin Homeowners Discount – Being a homeowner may earn you a small savings since home ownership shows financial diligence.
- E-sign Discounts – Some insurance companies will provide an incentive get Austin car insurance over the internet.
- Discount for Multiple Policies – If you have multiple policies with one company you could save over 10 percent off each policy depending on the company.
- Pay Early and Save – By making one initial payment rather than spreading payments over time you may reduce your total bill.
- Accident-Free Discounts – Good drivers with no accidents pay less in comparison to drivers with a long claim history.
- Life Insurance – Select companies reward you with lower premium rates if you buy auto and life insurance together.
- Low Mileage Discounts – Driving less may enable drivers to earn substantially lower prices.
- Clubs and Organizations – Being a member of certain professional organizations is a good way to get lower rates when getting a Austin car insurance quote.
You should keep in mind that some of the credits will not apply to the entire cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that adding up those discounts means a free policy, auto insurance companies aren’t that generous.
A list of companies and their offered discounts can be found below.
- American Family may offer discounts for Steer into Savings, bundled insurance, good student, early bird, and defensive driver.
- Farm Bureau offers discounts for multi-policy, safe driver, 55 and retired, good student, youthful driver, multi-vehicle, and driver training.
- State Farm has discounts for safe vehicle, student away at school, good student, driver’s education, multiple autos, and multiple policy.
- Travelers offers discounts including IntelliDrive, continuous insurance, early quote, home ownership, payment discounts, and save driver.
- The Hartford policyholders can earn discounts including bundle, defensive driver, anti-theft, good student, and driver training.
- GEICO includes discounts for defensive driver, membership and employees, daytime running lights, driver training, seat belt use, five-year accident-free, and good student.
- Progressive may have discounts that include continuous coverage, good student, multi-policy, online quote discount, and multi-vehicle.
Before buying, ask each insurance company to apply every possible discount. Some of the discounts discussed earlier might not be offered in your area. For a list of insurance companies who offer auto insurance discounts in Austin, click this link.
What Impacts Honda Civic Insurance Prices?
Part of the car insurance buying process is learning the rating factors that play a part in calculating your policy premiums. When consumers understand what determines base rates, this enables informed choices that will entitle you to better car insurance rates.
The following are some of the things car insurance companies consider when setting your premiums.
Save money by having multiple policies – Some insurance companies will award better rates to buyers that buy multiple policies. It’s known as a multi-policy discount. Even with this discount applied, it’s still a good idea to get quotes from other companies to guarantee you are still saving the most.There is a good possibility that you can save even more than the discount by buying car insurance from a different company.
Big city or small town – Living in a small town is a positive aspect when insuring your vehicles. City drivers have more aggressive driving styles and more time behind the wheel. Fewer drivers and short commutes translates into fewer accident claims and a lower car theft rate.
Tickets hurt – Just one chargeable violation can bump up the cost by as much as thirty percent. Attentive drivers tend to pay less for car insurance than their less careful counterparts. Drivers who have gotten careless violations such as DUI or willful reckless driving are required to complete a SR-22 with the DMV in their state in order to legally drive.
Insurance rates and vehicle performance – The type of car, truck or SUV you own makes a significant difference in how high your rates are. The lowest base rates tend to be for economy passenger cars, but the cost you end up paying is determined by many additional factors. Because the Honda Civic is a passenger car, insuring your vehicle will cost similar in price or lower when compared to the average rates in Austin.
Honda Civic claim probability – Companies analyze the history of losses to help determine the price you pay. Models that the statistics show to have higher loss trends will have higher rates for specific coverages. The next table illustrates the actual insurance loss data for Honda Civic vehicles.
For each insurance policy coverage type, the statistical loss for all vehicles compiled together is equal to 100. Values under 100 imply a favorable loss record, while numbers above 100 indicate more frequent claims or statistically larger claims.
Honda Civic Insurance Loss Statistics
| Specific Honda 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 |
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Car insurance can be complex
When it comes to the best car insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that.
Here are some questions about coverages that may help highlight if you would benefit from professional advice.
- Is business property covered if stolen from my car?
- Am I covered when pulling a rental trailer?
- Am I covered if I hit a deer?
- Should I buy full coverage?
- Is pleasure use cheaper than using my Honda Civic to commute?
- Is rental equipment covered for theft or damage?
- Why do I only qualify for high-risk insurance?
- Am I covered if I back into my garage door?
If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.
Car insurance is available from your local insurance agencies
Some consumers still like to have an agent’s advice and that is not a bad decision A good thing about getting online price quotes is that drivers can save money and get cheaper premium rates and still have a local agent.
By using this form (opens in new window), your information is transmitted to insurance agents in Austin who can give free rate quotes and help you find cheaper coverage. There is no reason to find an agent on your own since price quotes are sent instantly to you. You’ll get the best rates and a licensed agent to work with. In the event you want to compare prices from a particular provider, don’t hesitate to visit that company’s website and fill out the quote form the provide.
Selecting an company shouldn’t rely on just the price. A good agent in Austin will have answers to these questions.
- Where would glass claims be handled in Austin?
- How long has the business existed?
- Are there any discounts for paying up front?
- Do you need full coverage on every vehicle?
- Do they carry Errors and Omissions coverage?
The different types of car insurance agents
When finding a reputable agency, it’s helpful to know the types of agencies and how they differ in how they can insure your vehicles. Car insurance agents may be either exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agents
Agents that choose to be exclusive can usually just insure with one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. These agents are unable to compare other company’s rates so you might not find the best rates. Exclusive insurance agents are very knowledgeable on the products they sell and that can be a competitive advantage. Consumers frequently use the same agent mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.
The following are exclusive insurance agents in Austin who may provide you with price quotes.
- Bob Jennings – State Farm Insurance Agent
4405 Pack Saddle Pass – Austin, TX 78745 – (512) 444-9671 – View Map - J B Ruebsahm – State Farm Insurance Agent
1901 W William Cannon Dr #131 – Austin, TX 78745 – (512) 444-1845 – View Map - Allstate Insurance: Homero Escobar
730 W Stassney Ln Ste 230 – Austin, TX 78745 – (512) 443-9598 – View Map
Independent Agents (or Brokers)
Independent agencies can sell policies from many different companies so as a result can place your coverage with any number of different companies and find you cheaper rates. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to switch agencies. If you are trying to find cheaper rates, we recommend you get quotes from several independent agencies to maximize your price options. Most also write with companies that do not advertise much which could offer lower prices.
Listed below is a list of independent agencies in Austin willing to provide rate quotes.
- TY Lawrence Insurance Agency
2802 Flintrock Trace b101 – Austin, TX 78738 – (512) 732-2353 – View Map - AmeriFirst Insurance Agency, LLC
8300 N Mopac Expy #105 – Austin, TX 78759 – (512) 524-8808 – View Map - Ed Weeren Insurance Agency
300 E Highland Mall Blvd #208 – Austin, TX 78752 – (512) 454-5266 – View Map
If you receive satisfactory answers to all your questions in addition to an acceptable price estimate, you have narrowed it down to an insurance agent that is a good match to properly insure your vehicles. Just remember you can cancel coverage when you choose so don’t feel that you’re stuck with a specific company for the entire policy term.
Advertising myths
GEICO, State Farm and Progressive continually stream ads on television and other media. They all make the point about how much you will save if you move your coverage to them. How do they all give you a lower rate on Honda Civic insurance in Austin? It’s all in the wording.
All companies are able to cherry pick for the type of driver that earns them a profit. One example of a profitable insured could be between 30 and 50, has no claims, and drives less than 10,000 miles a year. Any driver who matches that profile gets the lowest premium rates and is almost guaranteed to save a lot of money.
Consumers who do not match the requirements will probably have to pay a higher premium and ends up with the prospect going elsewhere. The ad wording is “drivers that switch” but not “everyone who gets a quote” save that kind of money. That’s why insurance companies can confidently advertise the savings. This really emphasizes why drivers must do a rate comparison at every renewal. It’s just too difficult to predict which company will fit you best based on your risk profile.
Find affordable auto insurance rates by comparing often
As you restructure your insurance plan, it’s a bad idea to reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced physical damage coverage to discover at claim time that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at the lowest possible cost but still have enough coverage for asset protection.
The cheapest Honda Civic insurance in Austin is definitely available from both online companies as well as from independent agents in Austin, so you should be comparing quotes from both to have the best rate selection. Some auto insurance companies do not offer the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.
We just showed you many ideas to save on Honda Civic insurance in Austin. The most important thing to understand is the more times you quote, the better your comparison will be. You may even find the lowest priced auto insurance comes from an unexpected company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.
More detailed auto insurance information can be found in the articles below:
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Who Has the Cheapest Car Insurance Rates for a 20 Year Old Female in Austin? (FAQ)
- How Much are Austin Car Insurance Quotes for a Toyota Camry? (FAQ)
- Understanding your Policy (NAIC.org)
- Vehicle Size and Weight FAQ (iihs.org)
- Electronic Stability Control FAQ (iihs.org)
- Bodily Injury Coverage (Liberty Mutual)