Best Montgomery Honda Civic Insurance

Insurance quote for Honda Civic in MontgomeryTrying to find the cheapest insurance for your Honda Civic in Alabama can turn out to be an all-consuming task, but you can follow our car insurance buying tips to find lower rates. There is a right way and a wrong way to buy car insurance and you need to know the absolute fastest way to price shop coverage for your Honda and find the lowest possible price.

You need to quote other rates on a regular basis since insurance prices change quite often. Despite the fact that you may have had the lowest price on Honda Civic insurance in Montgomery six months ago you can probably find a better rate now. Forget anything you know (or think you know) about car insurance because you're going to get a crash course in one of the quickest ways to lower your annual insurance bill.

Locating the best rates in Montgomery is not that difficult. If you have a policy now or just want cheaper rates, follow these tips to lower your rates while maximizing coverage. Consumers just need to learn the fastest way to shop their coverage around using one simple form.

Best companies for Honda Civic insurance

The providers in the list below offer price comparisons in Montgomery, AL. If multiple companies are shown, we suggest you get rates from several of them to find the cheapest car insurance rates.

Honda Civic Insurance Rate Estimates in Montgomery, AL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $136 $270 $344 $20 $102 $872 $73
Civic VP 4-Dr Sedan $138 $374 $408 $24 $122 $1,066 $89
Civic LX 4-Dr Sedan $196 $532 $382 $22 $114 $1,246 $104
Civic DX 2-Dr Coupe $178 $440 $404 $24 $122 $1,168 $97
Civic EX 4-Dr Sedan $174 $430 $318 $18 $94 $1,034 $86
Civic LX-S 4-Dr Sedan $196 $508 $382 $22 $114 $1,222 $102
Civic LX 2-Dr Coupe $158 $470 $476 $28 $142 $1,274 $106
Civic EX-L 4-Dr Sedan $224 $584 $354 $20 $106 $1,288 $107
Civic SI 4-Dr Sedan $138 $368 $382 $22 $114 $1,024 $85
Civic EX 2-Dr Coupe $284 $818 $510 $30 $152 $1,794 $150
Civic GX 4-Dr Sedan $224 $584 $354 $20 $106 $1,288 $107
Civic EX-L 2-Dr Coupe $290 $732 $570 $34 $170 $1,796 $150
Civic Hybrid 4-Dr Sedan $208 $326 $442 $26 $132 $1,134 $95
Civic SI 2-Dr Coupe $282 $762 $548 $32 $164 $1,788 $149
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Alabama minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in the specific area where the vehicle is garaged which can increase or decrease coverage prices significantly.

Policy deductible comparison

The diagram below demonstrates how deductible levels and can impact Honda Civic insurance costs for each different age group. The costs are based on a single male driver, comp and collision included, and no discounts are applied.

Analysis of deductible levels

The hardest decision when buying coverage is how low should you set your deductibles. The comparison tables below summarize the premium difference between low and high coverage deductibles. The first pricing table uses a $250 physical damage deductible and the second price chart uses a $1,000 deductible.

Honda Civic insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $228 $440 $338 $20 $100 $1,151 $96
Civic VP 4-Dr Sedan $228 $518 $338 $20 $100 $1,229 $102
Civic LX 4-Dr Sedan $228 $518 $338 $20 $100 $1,229 $102
Civic DX 2-Dr Coupe $228 $518 $422 $24 $126 $1,343 $112
Civic EX 4-Dr Sedan $228 $518 $338 $20 $100 $1,229 $102
Civic LX-S 4-Dr Sedan $228 $518 $338 $20 $100 $1,229 $102
Civic LX 2-Dr Coupe $228 $596 $422 $24 $126 $1,421 $118
Civic EX-L 4-Dr Sedan $260 $596 $338 $20 $100 $1,339 $112
Civic SI 4-Dr Sedan $260 $596 $338 $20 $100 $1,339 $112
Civic EX 2-Dr Coupe $260 $596 $422 $24 $126 $1,453 $121
Civic GX 4-Dr Sedan $260 $596 $338 $20 $100 $1,339 $112
Civic EX-L 2-Dr Coupe $260 $596 $422 $24 $126 $1,453 $121
Civic Hybrid 4-Dr Sedan $294 $518 $338 $20 $100 $1,295 $108
Civic SI 2-Dr Coupe $294 $674 $422 $24 $126 $1,565 $130
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Honda Civic insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $140 $276 $338 $20 $100 $874 $73
Civic VP 4-Dr Sedan $140 $326 $338 $20 $100 $924 $77
Civic LX 4-Dr Sedan $140 $326 $338 $20 $100 $924 $77
Civic DX 2-Dr Coupe $140 $326 $422 $24 $126 $1,038 $87
Civic EX 4-Dr Sedan $140 $326 $338 $20 $100 $924 $77
Civic LX-S 4-Dr Sedan $140 $326 $338 $20 $100 $924 $77
Civic LX 2-Dr Coupe $140 $374 $422 $24 $126 $1,086 $91
Civic EX-L 4-Dr Sedan $160 $374 $338 $20 $100 $992 $83
Civic SI 4-Dr Sedan $160 $374 $338 $20 $100 $992 $83
Civic EX 2-Dr Coupe $160 $374 $422 $24 $126 $1,106 $92
Civic GX 4-Dr Sedan $160 $374 $338 $20 $100 $992 $83
Civic EX-L 2-Dr Coupe $160 $374 $422 $24 $126 $1,106 $92
Civic Hybrid 4-Dr Sedan $182 $326 $338 $20 $100 $966 $81
Civic SI 2-Dr Coupe $182 $424 $422 $24 $126 $1,178 $98
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Alabama minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in your specific Montgomery location which can revise rates substantially.

We can estimate from the data above that using a $250 deductible costs approximately $27 more each month or $324 annually than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you go at least 28 months between claim filings, you would save more money if you decide on a higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $250 deductibles: $111
Average monthly premium for $1,000 deductibles (subtract): - $84
Monthly savings from raising deductible: $27
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

One important note is that raising deductibles to get cheaper rates results in more money out-of-pocket when you have a physical damage claim. That will require some available funds in order to pay the deductible.

These discounts can lower Honda Civic insurance rates

Car insurance companies do not list every available discount very clearly, so the next list breaks down a few of the more common as well as some of the hidden insurance savings.

As is typical with insurance, many deductions do not apply to your bottom line cost. Most only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think it's possible to get free car insurance, insurance companies aren't that generous.

Insurance companies that may have some of the above discounts include:

Before purchasing a policy, check with each company or agent how many discounts you can get. Depending on the company, some discounts may not be offered in your state. To see a list of insurance companies with discount insurance rates in Montgomery, follow this link.

Auto insurance agents near you

Some people just prefer to buy from a local agent and often times that is recommended Professional agents can answer important questions and help you file claims. The best thing about getting online price quotes is you can get cheap auto insurance rates but also keep your business local.

Find insurance agent in MontgomeryAfter filling out this quick form, your insurance coverage information is instantly submitted to insurance agents in Montgomery that can provide free Montgomery car insurance quotes for your coverage. You won't need to leave your house since rate quotes are delivered straight to your inbox. If you need to get a price quote from one company in particular, don't hesitate to search and find their rate quote page to submit a rate quote request.

Choosing the best provider should include more criteria than just the price. A good agent in Montgomery will have answers to these questions.

Choose the right car insurance agent

If you need to find a local insurance agency, you need to know there are two different types of agencies and how they differ in how they quote coverages. Agents in Montgomery are considered either exclusive or independent. Both types of agents can write auto insurance policies, but it is important to understand the differences since it could factor into the kind of agent you use.

Exclusive Agencies

Exclusive agents write business for a single company such as State Farm, AAA, and Liberty Mutual. Exclusive agents cannot compare other company's rates so they really need to provide good service. Exclusive agencies are well trained on sales techniques and that can be a competitive advantage. Some insured continue to buy insurance from these agents mainly due to the prominence of the brand and the convenience of having all coverages with one company.

Listed below are exclusive insurance agents in Montgomery who may provide you with price quote information.

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Independent Agencies or Brokers

Independent agents are not restricted to one company so they have the ability to put coverage with lots of companies and help determine which has the cheapest rates. If they quote lower rates, your agent can just switch to a different company and that require little work on your part.

When searching for an agent, you definitely need to check rates from multiple independent agents to ensure the widest selection of prices. They often place coverage with mutual insurance companies which may have better rates.

Shown below is a short list of independent insurance agencies in Montgomery that are able to give price quote information.

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Compare but don't skimp

Insureds leave their current company for a variety of reasons including extreme rates for teen drivers, high rates after DUI convictions, being labeled a high risk driver or high prices. Regardless of your reason, finding a new insurance company is less work than it seems.

There are still a few companies who may not offer the ability to get quotes online and usually these small insurance companies only sell through local independent agencies. Cost effective Honda Civic insurance can be sourced both online and from local insurance agents, and you should compare price quotes from both so you have a total pricing picture.

As you restructure your insurance plan, don't be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at the lowest possible cost, not the least amount of coverage.

Additional information is located at the links below