Nobody that owns a car looks forward to paying premiums for insurance, especially when they are paying too much.
Regrettably, the vast majority of Alabama insurance customers kept their policy with the same company for at least four years, and about 40% of consumers have never shopped around. Most drivers in the U.S. could cut their rates by almost 47% a year, but most tend to underestimate the big savings they would realize if they bought a different policy. People have multiple insurers to buy insurance from, and although it's a good thing to have a selection, so many choices can make it hard to locate the cheapest rates for Honda Civic insurance in Birmingham.
Consumers need to compare rates quite often since insurance prices trend upward over time. If you had the best quotes on Honda Civic insurance in Birmingham last year other companies may now be cheaper. Don't believe everything you read about Civic insurance on the web, but in a few minutes you can learn the best ways to lower your insurance bill.
Most companies allow consumers to get prices for coverage directly from their websites. Getting online quotes for Honda Civic insurance in Birmingham is very simple as you just enter your personal and coverage information into the quote form. Once you submit the form, the company's rating system pulls credit information and your driving record and generates pricing information based on the data you entered. Being able to quote online for Honda Civic insurance in Birmingham makes comparing rates easy, and it is imperative to have as many quotes as possible in order to find the most affordable premium.
To compare rates now, compare rates now from the companies shown below. If you have your current policy handy, we recommend you type in the limits and deductibles identical to your current policy. This way, you will have a rate comparison based on the exact same insurance coverage.
The companies shown below have been selected to offer price quotes in Birmingham, AL. If multiple providers are shown, it's highly recommended you visit as many as you can to find the cheapest car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$158||$348||$382||$22||$114||$1,024||$85|
|Civic VP 4-Dr Sedan||$194||$512||$318||$18||$94||$1,136||$95|
|Civic LX 4-Dr Sedan||$210||$418||$442||$26||$132||$1,228||$102|
|Civic DX 2-Dr Coupe||$218||$584||$548||$32||$164||$1,546||$129|
|Civic EX 4-Dr Sedan||$194||$512||$318||$18||$94||$1,136||$95|
|Civic LX-S 4-Dr Sedan||$230||$568||$348||$20||$104||$1,270||$106|
|Civic LX 2-Dr Coupe||$140||$374||$422||$24||$126||$1,086||$91|
|Civic EX-L 4-Dr Sedan||$256||$686||$408||$24||$122||$1,496||$125|
|Civic SI 4-Dr Sedan||$192||$442||$348||$20||$104||$1,106||$92|
|Civic EX 2-Dr Coupe||$138||$368||$442||$26||$132||$1,106||$92|
|Civic GX 4-Dr Sedan||$242||$480||$442||$26||$132||$1,322||$110|
|Civic EX-L 2-Dr Coupe||$208||$552||$510||$30||$152||$1,452||$121|
|Civic Hybrid 4-Dr Sedan||$226||$430||$318||$18||$94||$1,086||$91|
|Civic SI 2-Dr Coupe||$206||$532||$476||$28||$142||$1,384||$115|
|Get Your Own Custom Quote Go|
Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Price information does not factor in specific Birmingham garaging location which can raise or lower insurance rates significantly.
Car insurance rates are higher with tickets and accidents
The example below shows how speeding tickets and at-fault accidents can impact Honda Civic car insurance costs for different age groups of insureds. The price estimates are based on a single male driver, full coverage, $100 deductibles, and no policy discounts are applied.
Where to set your deductibles
The example below illustrates how your choice of deductibles and can increase or decrease Honda Civic annual premium costs for each different age category. The premiums assume a single male driver, full coverage, and no other discounts are factored in.
Do I need special coverages?
When it comes to coverage online or from an agent, there isn't really a one-size-fits-all type of policy. Every insured's situation is different.
For example, these questions could help you determine whether you could use an agent's help.
- I don't drive much so do I pay less?
- Is my camper covered for physical damage?
- Am I covered when using my vehicle for business?
- How much can I save by bundling my policies?
- What if an uninsured driver hits me?
- Am I covered when delivering products for my home-based business?
- Is my ex-spouse still covered by my policy?
- Should I buy more coverage than the required Alabama minimum liability coverage?
- Can I insure my car for more than it's worth?
- Should I have combined single limit or split liability limits?
If you can't answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.
Local neighborhood agents and car insurance
Some people would rather talk to a local agent and doing so can bring peace of mind Professional insurance agents can help determine the best coverages and help file insurance claims. One of the best bonuses of comparing rates online is that drivers can save money and get cheap car insurance rates and still have a local agent. Buying insurance from local agents is definitely important in Birmingham.
By using this short form, your information is sent to insurance agents in Birmingham that provide free Birmingham car insurance quotes and help you find cheaper coverage. There is no need to search for any insurance agencies because prices are sent to you. If you need to compare prices from a specific car insurance provider, feel free to go to their quote page and give them your coverage information.
Listed below is a short list of auto insurance companies in Birmingham that may be willing to give comparison quotes for Honda Civic insurance in Birmingham.
Choosing the best provider requires more thought than just a cheap price quote. Get answers to these questions too.
- How long have they worked with personal auto insurance coverage?
- Do they offer rental car reimbursement?
- How long has their agency been open in Birmingham?
- Do they have cheaper tiers of coverage?
- Is vehicle mileage a factor when determining depreciation for repairs?
If you feel you receive good answers for all questions you ask and an affordable coverage quote, you may have just found a company that is professional and can properly service your car insurance policy.