How many times have you said it's time to compare cheaper Honda Civic insurance in San Jose? Nobody likes paying for insurance, especially when the prices are way too high.
A study showed that the vast majority of drivers have been with the same company for well over three years, and just short of a majority have never taken the time to shop around. American insurance shoppers could save approximately 46.5% a year just by getting comparison quotes, but they don't invest the time required to compare other rate quotes.
Steps to finding low-cost rates for Honda Civic insurance in San Jose
If your goal is the lowest price, then the best way to get the cheapest Honda Civic insurance is to start comparing prices regularly from companies that sell auto insurance in San Jose.
First, get a basic knowledge of how companies set rates and the modifications you can make to prevent high rates. Many risk factors that cause rate increases like careless driving and a negative credit history can be amended by improving your driving habits or financial responsibility.
Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or State Farm, while independent agents can quote prices from many different companies.
Third, compare the price quotes to the premium of your current policy and determine if there is any savings. If you find better rates, make sure coverage is continuous and does not lapse.
Fourth, notify your agent or company of your intention to cancel your current coverage. Submit the application along with any required down payment to the new company. When you receive it, put the new proof of insurance certificate in a readily accessible location in your vehicle.
A valuable tip to remember is to use the same coverage limits and deductibles on every quote request and and to analyze as many auto insurance providers as possible. Doing this helps ensure a level playing field and a thorough price selection.
Lots of car insurance companies contend for your insurance dollar, so it can be very hard to choose a insurance company to discover the definitive lowest rate possible on Honda Civic insurance in San Jose.
It's important to take a look at other company's rates yearly because prices fluctuate regularly. If you had the best quotes on Honda Civic insurance in San Jose at your last renewal you can probably find a lower rate today. Don't believe everything you read about Civic insurance on the internet, but I'm going to show you some good information on how to quit paying high insurance rates in San Jose.
If you have insurance now, you will definitely be able to reduce the price you pay using this information. Locating the most cost-effective insurance policy in San Jose is easy if you know what you're doing. But California consumers can benefit from knowing the way insurance companies compete online.
Lower Your San Jose Insurance Prices
Smart consumers have a good feel for some of the elements that aid in calculating your premiums. If you have some idea of what controls the rates you pay, this enables informed choices that can earn you lower rates.
The following are just a few of the factors used by insurance companies to determine your prices.
More performance means higher costs - The performance of the car you drive makes a substantial difference in determining your rates. Low performance passenger cars receive the most favorable rates, but there are many factors that impact the final cost.
The data below uses these assumptions: single male driver age 50, full coverage with $250 deductibles, and no discounts or violations. It illustrates Honda Civic rates compared to other makes and models that have a range of performances.
Prices increase with policy add-ons - Insurance companies have many add-on coverages that can add up when buying auto insurance. Insurance for things like rental car coverage, accident forgiveness, and extra life insurance coverage may be costing you every month. These may sound like a good investment when discussing your needs, but if they're wasting money eliminate them to save money.
Higher rates for specific jobs - Careers such as military personnel, architects, and stock brokers are shown to have higher premiums than the average policyholder due to intense work requirements and long work days. On the other hand, professions such as actors, athletes and performers receive lower rates.
Bad drivers pay high costs - Being a careful driver has a big impact on rates. Good drivers pay less for auto insurance than bad drivers. Having just one moving violation can increase the cost of insurance twenty percent or more. Drivers with serious violations like DWI, reckless driving or hit and run convictions might be required by their state to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
The illustration below illustrates how speeding tickets and fender-benders influence Honda Civic insurance costs for different ages of insureds. The prices are based on a married male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.
Raising deductibles saves money - Insurance for physical damage to your car, aka comp and collision, is used to repair damage to your vehicle. Examples of covered claims could be colliding with a building, vandalism, and windstorm damage. Your deductibles are the amount of money you are required to pay if a claim is determined to be covered. The more the insured is willing to pay, the bigger discount you will receive.
Alarm systems systems cut premiums - Choosing to buy a car with an alarm system can save you some money. Theft prevention features like GM's OnStar, tamper alarm systems and vehicle immobilizers all help stop vehicle theft.
Drive a safer car and pay less - Safe vehicles cost less to insure. The safest vehicles reduce the chance of injuries and reduced instances of injuries translates directly to fewer claims passed on to you as lower rates.
Claims statistics for a Honda Civic - Auto insurance companies use claims history in order to profitably underwrite each model. Models that tend to have increased claim numbers or amounts will have higher premium rates.
The information below illustrates the historical insurance loss data for Honda Civic vehicles. For each insurance policy coverage type, the statistical loss for all vehicles averaged together is represented as 100. Numbers below 100 are indicative of better than average losses, while values over 100 indicate more frequent losses or tendency to have higher losses.
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Honda Civic Hybrid||90||85||106||105||78|
|Honda Civic Si||126||97||117||124||104|
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Just keep in mind that having more price comparisons gives you a better chance of getting lower pricing.
The providers in the list below are our best choices to provide price comparisons in San Jose, CA. If multiple companies are listed, we recommend you visit several of them to get the most competitive price.
Honda Civic insurance rate analysis
The coverage information below covers different insurance premium costs for Honda Civic models. Being aware of how insurance policy rates are calculated can help guide drivers when making decisions when shopping your coverage around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$318||$776||$574||$34||$172||$1,874||$156|
|Civic VP 4-Dr Sedan||$318||$914||$574||$34||$172||$2,012||$168|
|Civic LX 4-Dr Sedan||$318||$914||$574||$34||$172||$2,012||$168|
|Civic DX 2-Dr Coupe||$318||$914||$718||$42||$214||$2,206||$184|
|Civic EX 4-Dr Sedan||$318||$914||$574||$34||$172||$2,012||$168|
|Civic LX-S 4-Dr Sedan||$318||$914||$574||$34||$172||$2,012||$168|
|Civic LX 2-Dr Coupe||$318||$1052||$718||$42||$214||$2,344||$195|
|Civic EX-L 4-Dr Sedan||$366||$1052||$574||$34||$172||$2,198||$183|
|Civic SI 4-Dr Sedan||$366||$1052||$574||$34||$172||$2,198||$183|
|Civic EX 2-Dr Coupe||$366||$1052||$718||$42||$214||$2,392||$199|
|Civic GX 4-Dr Sedan||$366||$1052||$574||$34||$172||$2,198||$183|
|Civic EX-L 2-Dr Coupe||$366||$1052||$718||$42||$214||$2,392||$199|
|Civic Hybrid 4-Dr Sedan||$412||$914||$574||$34||$172||$2,106||$176|
|Civic SI 2-Dr Coupe||$412||$1190||$718||$42||$214||$2,576||$215|
|Get Your Own Custom Quote Go|
Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price estimates do not factor in specific location information which can impact prices greatly.
The chart below highlights how deductible choice and can affect Honda Civic premium costs for different categories of driver ages. The costs are based on a married female driver, comp and collision included, and no discounts are applied to the premium.
Male drivers compared to female drivers
The illustration below shows the difference between Honda Civic insurance costs for male and female drivers. Data assumes no accidents, no driving violations, full physical damage coverage, $250 deductibles, drivers are single, and no other discounts are factored in.
Three good reasons to insure your Honda Civic
Even though it's not necessarily cheap to insure a Honda in San Jose, buying auto insurance is most likely required but also gives you several important benefits.
First, almost all states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability insurance coverage if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you took out a loan on your vehicle, it's most likely the lender will require you to have insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank may insure your Honda at an extremely high rate and require you to reimburse them for it.
Third, insurance protects your car and your assets. It will also cover hospital and medical expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if anyone sues you for causing an accident. If you have damage to your Honda as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of insuring your Civic are without a doubt worth the cost, particularly when you have a large claim. The average driver in California is overpaying more than $810 a year so it's very important to do a rate comparison at every renewal to make sure the price is not too high.
Discounts can help lower premiums on Honda Civic insurance in San Jose
Properly insuring your vehicles can get expensive, but you might be missing out on some discounts to help offset the cost. Certain discounts will be triggered automatically when you get a quote, but some discounts are required to be manually applied in order for you to get them. If you do not double check each discount you deserve, you're paying more than you need to.
- Anti-theft System - Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10% off your San Jose car insurance quote.
- Braking Control Discount - Cars with ABS braking systems or traction control can reduce accidents so you can save 10 percent or more.
- New Car Discount - Insuring a new Civic can get you a discount because newer vehicles keep occupants safer.
- Passive Restraint Discount - Vehicles equipped with air bags or motorized seat belts could see savings as much as 30%.
- Mature Driver Discount - If you're over the age of 55, you may be able to get lower premium rates.
- Low Mileage Discounts - Maintaining low annual mileage can earn cheaper premium rates.
- Driver Training Discounts - Taking time to complete a defensive driving class can save you 5% or more depending on where you live.
- Discount for Swiching Early - Some companies provide a discount for buying a policy early. The savings is around 10%.
Keep in mind that many deductions do not apply to the overall cost of the policy. Some only apply to individual premiums such as comp or med pay. If you do the math and it seems like adding up those discounts means a free policy, car insurance companies aren't that generous.
The example below shows the comparison of Honda Civic auto insurance rates with and without discounts applied to the policy rates. The data assumes a male driver, no claims, a clean driving record, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, claim-free, safe-driver, multi-policy, and homeowner discounts applied.
A list of car insurance companies and a partial list of their discounts can be read below.
- State Farm policyholders can earn discounts including good driver, passive restraint, defensive driving training, driver's education, good student, and multiple policy.
- Progressive offers discounts for multi-vehicle, homeowner, online quote discount, continuous coverage, online signing, multi-policy, and good student.
- Travelers includes discounts for continuous insurance, driver training, home ownership, save driver, and multi-car.
- American Family may have discounts that include TimeAway discount, early bird, good student, Steer into Savings, accident-free, bundled insurance, and good driver.
- Liberty Mutual may include discounts for exclusive group savings, safety features, multi-car, multi-policy, and preferred payment discount.
Double check with every prospective company which discounts you may be entitled to. Some discounts listed above may not be available everywhere. To find companies that provide some of the discounts listed above in San Jose, follow this link.
Buying auto insurance from San Jose insurance agencies
A small number of people still prefer to visit with an insurance agent and that is OK! One of the benefits of getting online price quotes is the fact that drivers can get lower rates and also buy local. Putting coverage with small agencies is important especially in San Jose.
To help locate an agent, after submitting this form (opens in new window), the coverage information is emailed to companies in San Jose that can provide free San Jose car insurance quotes for your business. You won't even need to drive around because prices are sent to you. You can find the lowest rates and a licensed agent to talk to. If for some reason you want to get a price quote from a specific company, you would need to go to their quote page to submit a rate quote request.
Selecting an company requires you to look at more than just a low price. Any agent in San Jose should have no problem answering these questions:
- If you are a high risk driver, do they have special markets for your coverage?
- What is the agency's Better Business Bureau rating?
- If you raise deductibles, how much can you save?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Which insurance companies are they affiliated with?
- Which companies do they recommend if they are an independent agency?
- Do the companies they represent have a solid financial rating?
- How would your car be valued if totaled?
Car insurance can get complicated
When quoting and comparing a policy, there really is not a one size fits all plan. Everyone's situation is unique.
These are some specific questions might point out whether your personal situation might need professional guidance.
- How can I get my company to pay me more for my totaled car?
- What does medical payments coverage do?
- Can my babysitter drive my car?
- Should I drop comprehensive coverage on older vehicles?
- What is no-fault insurance?
- Does my medical payments coverage pay my health insurance deductible?
- Should I pay a claim out-of-pocket?
- How much liability coverage do I need in California?
If you're not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form.
A conclusion for your insurance search
Lower-priced insurance in San Jose is attainable both online and with local San Jose insurance agents, so you need to shop San Jose car insurance with both to have the best selection. Some companies do not provide the ability to get a quote online and many times these smaller providers sell through local independent agents.
As you go through the steps to switch your coverage, it's very important that you do not buy less coverage just to save a little money. There are a lot of situations where someone dropped liability limits or collision coverage and learned later that it was a big error on their part. Your objective should be to get the best coverage possible at the lowest possible cost while still protecting your assets.
Throughout this article, we presented a lot of tips how to compare Honda Civic insurance premium rates in San Jose. It's most important to understand that the more you quote San Jose car insurance, the better your chances of lowering your prices. Consumers could even find that the lowest premium rates come from a small local company.
Steps to finding the cheapest rates for Honda Civic insurance in San Jose
If saving the most money is your goal, then the best way to find more affordable auto insurance rates in San Jose is to start doing an annual price comparison from insurance carriers who sell insurance in California.
- Get an understanding of how insurance works and the modifications you can make to drop your rates. Many rating criteria that cause high rates like distracted driving and poor credit history can be controlled by paying attention to minor details.
- Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from one company like GEICO or State Farm, while independent agents can give you price quotes for a wide range of insurance providers.
- Compare the new rate quotes to the premium of your current policy and determine if cheaper Civic coverage is available. If you can save money, make sure coverage is continuous and does not lapse.
A valuable tip to remember is that you'll want to compare the same coverage limits and deductibles on every price quote and and to look at as many different insurance providers as possible. Doing this enables a level playing field and a thorough price selection.
- Tools for Teen Driving Safety (State Farm)
- Who Has Affordable Car Insurance for Real Estate Agents in San Jose? (FAQ)
- Who Has Affordable Auto Insurance for Teenage Males in San Jose? (FAQ)
- What Car Insurance is Cheapest for Lyft Drivers in San Jose? (FAQ)
- Property Damage Coverage (Liberty Mutual)
- Determining Your Vehicle's Value and Repair Cost (Insurance Information Institute)