Honda Civic Insurance Rates in Fort Wayne

Discount Honda Civic insuranceDo you want to learn how to find more competitive Honda Civic insurance in Fort Wayne? Did budget coverage turn out to be an overpriced auto insurance policy? Trust us, there are many Fort Wayne drivers thinking the same thing.

A recent study revealed that nearly 70% of customers kept their coverage with the same auto insurance company for four years or more, and just under half have never compared rates from other carriers. Most drivers in Indiana could save roughly 55% every year by just shopping around, but most just don’t grasp the big savings they would realize if they moved their coverage to a different company.

People have many insurance companies to purchase coverage from, and even though it’s nice to have a selection, having more insurers makes it harder to compare company pricing for Honda Civic insurance in Fort Wayne.

Determine discounts on Fort Wayne car insurance

The cost of insuring your cars can be expensive, but you may find discounts that could help you make your next renewal payment. Some discounts apply automatically when you purchase, but some must be manually applied before you get the savings.

Don’t be surprised that some credits don’t apply to the overall cost of the policy. Most only reduce specific coverage prices like comp or med pay. Despite the fact that it seems like adding up those discounts means a free policy, companies don’t profit that way.

The information below shows the comparison of Honda Civic insurance costs with and without discounts applied to the policy premium. The premium estimates are based on a female driver, no claims or violations, Indiana state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, multi-car, homeowner, safe-driver, and marriage discounts applied.

To see a list of insurance companies who offer car insurance discounts in Indiana, click here.

To get affordable Honda Civic insurance quotes, there a variety of ways to get quotes from lots of Indiana auto insurance companies. The fastest way to compare Honda Civic insurance prices involves getting comparison quotes online.

Doing online rates comparisons is so easy that it takes the place of having to drive to local Fort Wayne insurance agencies. Quoting Honda Civic insurance online makes this unnecessary unless you want the personal advice of an agent trained in personal lines coverage. It is possible to find lower rates online and have a local agent actually service the policy. Keep in mind that making a lot of price comparisons provides better odds of finding better pricing. Some smaller insurers do not give online rate quotes, so it’s necessary to compare quotes on coverage from those companies, too.

The following companies offer quotes in Fort Wayne, IN. If multiple companies are listed, we suggest you visit several of them in order to find the lowest rates.

Rates and statistics

The price information displayed below highlights detailed analysis of insurance rates for Honda Civic models. Being aware of how insurance policy rates are figured is important for drivers to make smart choices when selecting a policy.

Honda Civic Insurance Rates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $170 $362 $380 $22 $114 $1,048 $87
Civic VP 4-Dr Sedan $170 $428 $380 $22 $114 $1,114 $93
Civic LX 4-Dr Sedan $170 $428 $380 $22 $114 $1,114 $93
Civic DX 2-Dr Coupe $170 $428 $474 $28 $142 $1,242 $104
Civic EX 4-Dr Sedan $170 $428 $380 $22 $114 $1,114 $93
Civic LX-S 4-Dr Sedan $170 $428 $380 $22 $114 $1,114 $93
Civic LX 2-Dr Coupe $170 $492 $474 $28 $142 $1,306 $109
Civic EX-L 4-Dr Sedan $196 $492 $380 $22 $114 $1,204 $100
Civic SI 4-Dr Sedan $196 $492 $380 $22 $114 $1,204 $100
Civic EX 2-Dr Coupe $196 $492 $474 $28 $142 $1,332 $111
Civic GX 4-Dr Sedan $196 $492 $380 $22 $114 $1,204 $100
Civic EX-L 2-Dr Coupe $196 $492 $474 $28 $142 $1,332 $111
Civic Hybrid 4-Dr Sedan $220 $428 $380 $22 $114 $1,164 $97
Civic SI 2-Dr Coupe $220 $556 $474 $28 $142 $1,420 $118
Get Your Own Custom Quote Go

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Estimates do not factor in vehicle garaging location which can affect rates greatly.

Liability only or full coverage

The chart below shows the difference between Honda Civic annual premium costs when comparing full coverage to state minimum liability only. The data assumes no claims or driving violations, $500 deductibles, single marital status, and no additional discounts are factored in.

Deciding between full coverage and liability only

There is no exact formula to eliminate full coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

For example, let’s pretend your Honda Civic replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $4,000 after paying your policy deductible. If it’s costing in excess of $400 a year for your policy with full coverage, then you might want to think about dropping full coverage.

There are a few cases where dropping full coverage is not in your best interest. If you still have a lienholder on your title, 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 totaled, you should keep full coverage.

Learn How to Lower Your Insurance Rates

Many factors are taken into consideration when you quote your car insurance policy. A few of the factors are predictable like a motor vehicle report, but some are more obscure such as your marital status or your financial responsibility. Part of the auto insurance buying process is learning the different types of things that go into determining the level of your policy premiums. If you know what influences your rates, this enables informed choices that will entitle you to lower premium levels.

Local Fort Wayne insurance agents

Many drivers still like to talk to a local agent and that is not a bad decision A nice benefit of price shopping on the web is that you can find cheaper prices and still buy from a local agent. Buying from and supporting neighborhood agents is important especially in Fort Wayne.

Find insurance agent in Fort WayneBy using this simple form, the coverage information is instantly submitted to agents in your area who want to provide quotes for your insurance coverage. You never need to visit any agencies because quoted prices will be sent directly to you. You’ll get the best rates AND an agent nearby. If you need to quote rates from a specific insurance company, don’t hesitate to search and find their rate quote page and complete a quote there.

Finding the right insurer is decision based upon more than just the price. These are valid questions to ask:

Protect more than your vehicle

Despite the high insurance cost for a Honda Civic in Fort Wayne, maintaining insurance serves an important purpose.

First, just about all states have minimum liability requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance if you drive a vehicle. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you took out a loan on your Honda Civic, almost all lenders will have a requirement that you carry insurance to guarantee their interest in the vehicle. If the policy lapses, the bank may buy a policy for your Honda at an extremely high rate and force you to pay a much higher amount than you were paying before.

Third, auto insurance preserves your car and your assets. It will also provide coverage for medical bills for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you are sued as the result of an accident. If your Honda gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.

The benefits of carrying adequate insurance definitely exceed the cost, especially if you ever need it. As of last year, the average driver in Indiana is overpaying over $850 per year so you should quote rates once a year at a minimum to make sure the price is not too high.

The most affordable rates come from being thorough

Some insurance companies do not offer rates over the internet and these small, regional companies only sell coverage through local independent agents. Affordable Honda Civic insurance in Fort Wayne can be bought on the web as well as from insurance agents, so you should be comparing quotes from both to have the best selection.

When searching for inexpensive Fort Wayne car insurance quotes, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped liability coverage limits to discover at claim time that the few dollars in savings costed them thousands. Your objective should be to find the BEST coverage at the best price while still protecting your assets.

Steps to finding affordable Honda Civic insurance in Fort Wayne

Truthfully, the best way to find affordable quotes for Honda Civic insurance is to start comparing prices regularly from insurers in Fort Wayne. This can be done by following these steps.

  1. Spend some time learning about how your policy works and the changes you can make to keep rates in check. Many policy risk factors that increase rates like distracted driving and an imperfect credit score can be controlled by making minor changes to your lifestyle.
  2. Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like GEICO or Allstate, while independent agents can give you price quotes from multiple sources.
  3. Compare the new quotes to your existing rates to determine if you can save on Civic insurance. If you find a lower rate quote and decide to switch, ensure there is no coverage lapse between policies.

The most important part of shopping around is to use identical limits and deductibles on each quote request and and to look at as many car insurance companies as possible. Doing this guarantees a fair rate comparison and plenty of rates choose from.

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