Best Insurance for a Honda Civic in Tucson

Would you prefer to buy low-cost Honda Civic insurance in Tucson? Trying to come up with a payment for expensive car insurance can sap your monthly budget and put a big crunch on your finances. Shopping your coverage around is a great way to lower your monthly bill.

Insurance rates Honda Civic in TucsonIt’s a known fact that auto insurance companies want to keep you from comparing rates. People who get price quotes annually are very likely to buy a new policy because of the high probability of finding more affordable rates. A recent survey revealed that consumers who shopped around every year saved about $865 annually as compared to drivers who never shopped around for cheaper prices.

If finding the most affordable auto insurance in Tucson is your intention, then having a grasp of how to shop for insurance rates can make it easier to shop your coverage around.

Since vehicle owners have many different company options, it is very difficult to find the most affordable car insurance company.

It is always a good idea to compare prices as often as possible because insurance prices are adjusted regularly by insurance companies. Just because you had the best rate on Honda Civic insurance in Tucson on your last policy a different company probably has better premium rates today. Forget anything you know (or think you know) about car insurance because it’s time to teach you the right way to find lower rates on car insurance.

Decisions You Make Can Impact Your Insurance Prices

Lots of factors are considered when quoting car insurance. A few of the factors are predictable like a motor vehicle report, although some other factors are more obscure like your vehicle usage and annual miles driven. It’s important that you understand some of the things that go into determining the price you pay for insurance. When consumers understand what determines premiums, this enables informed choices that can earn you better insurance rates.

First Step: Get free Honda Civic insurance quotes

When quoting car insurance, remember that having more price comparisons provides better odds of finding lower pricing.

The companies in the list below can provide free rate quotes in Tucson, AZ. To find the best cheap car insurance in AZ, we recommend you compare several of them in order to get a fair rate comparison.

Insurance rate breakdown

The data table displayed below highlights detailed analysis of insurance prices for Honda Civic models. Having a better idea how premiums are figured can aid in making smart choices when comparing insurance quotes.

Honda Civic Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $194 $442 $390 $24 $116 $1,166 $97
Civic VP 4-Dr Sedan $194 $520 $390 $24 $116 $1,244 $104
Civic LX 4-Dr Sedan $194 $520 $390 $24 $116 $1,244 $104
Civic DX 2-Dr Coupe $194 $520 $488 $28 $146 $1,376 $115
Civic EX 4-Dr Sedan $194 $520 $390 $24 $116 $1,244 $104
Civic LX-S 4-Dr Sedan $194 $520 $390 $24 $116 $1,244 $104
Civic LX 2-Dr Coupe $194 $598 $488 $28 $146 $1,454 $121
Civic EX-L 4-Dr Sedan $222 $598 $390 $24 $116 $1,350 $113
Civic SI 4-Dr Sedan $222 $598 $390 $24 $116 $1,350 $113
Civic EX 2-Dr Coupe $222 $598 $488 $28 $146 $1,482 $124
Civic GX 4-Dr Sedan $222 $598 $390 $24 $116 $1,350 $113
Civic EX-L 2-Dr Coupe $222 $598 $488 $28 $146 $1,482 $124
Civic Hybrid 4-Dr Sedan $250 $520 $390 $24 $116 $1,300 $108
Civic SI 2-Dr Coupe $250 $676 $488 $28 $146 $1,588 $132
Get Your Own Custom Quote Go

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Price information does not factor in vehicle location which can increase or decrease prices greatly.

Analysis of deductible levels

One of the most common car insurance questions is how high should your deductibles be. The rates shown below may aid in understanding the difference in cost when you choose different insurance deductibles. The first rate table uses a $100 physical damage deductible and the second rate table uses a $500 deductible.

Honda Civic insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $224 $466 $300 $18 $90 $1,123 $94
Civic VP 4-Dr Sedan $224 $548 $300 $18 $90 $1,205 $100
Civic LX 4-Dr Sedan $224 $548 $300 $18 $90 $1,205 $100
Civic DX 2-Dr Coupe $224 $548 $374 $22 $112 $1,305 $109
Civic EX 4-Dr Sedan $224 $548 $300 $18 $90 $1,205 $100
Civic LX-S 4-Dr Sedan $224 $548 $300 $18 $90 $1,205 $100
Civic LX 2-Dr Coupe $224 $632 $374 $22 $112 $1,389 $116
Civic EX-L 4-Dr Sedan $258 $632 $300 $18 $90 $1,323 $110
Civic SI 4-Dr Sedan $258 $632 $300 $18 $90 $1,323 $110
Civic EX 2-Dr Coupe $258 $632 $374 $22 $112 $1,423 $119
Civic GX 4-Dr Sedan $258 $632 $300 $18 $90 $1,323 $110
Civic EX-L 2-Dr Coupe $258 $632 $374 $22 $112 $1,423 $119
Civic Hybrid 4-Dr Sedan $292 $548 $300 $18 $90 $1,273 $106
Civic SI 2-Dr Coupe $292 $716 $374 $22 $112 $1,541 $128
Get Your Own Custom Quote Go

Honda Civic insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $164 $314 $300 $18 $90 $886 $74
Civic VP 4-Dr Sedan $164 $370 $300 $18 $90 $942 $79
Civic LX 4-Dr Sedan $164 $370 $300 $18 $90 $942 $79
Civic DX 2-Dr Coupe $164 $370 $374 $22 $112 $1,042 $87
Civic EX 4-Dr Sedan $164 $370 $300 $18 $90 $942 $79
Civic LX-S 4-Dr Sedan $164 $370 $300 $18 $90 $942 $79
Civic LX 2-Dr Coupe $164 $428 $374 $22 $112 $1,100 $92
Civic EX-L 4-Dr Sedan $188 $428 $300 $18 $90 $1,024 $85
Civic SI 4-Dr Sedan $188 $428 $300 $18 $90 $1,024 $85
Civic EX 2-Dr Coupe $188 $428 $374 $22 $112 $1,124 $94
Civic GX 4-Dr Sedan $188 $428 $300 $18 $90 $1,024 $85
Civic EX-L 2-Dr Coupe $188 $428 $374 $22 $112 $1,124 $94
Civic Hybrid 4-Dr Sedan $212 $370 $300 $18 $90 $990 $83
Civic SI 2-Dr Coupe $212 $484 $374 $22 $112 $1,204 $100
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Premium amounts do not factor in Tucson location which can decrease or increase price quotes significantly.

We can derive from the above data that using a $100 deductible costs approximately $24 more each month or $288 a year across all Honda Civic models than choosing the higher $500 deductible. Since you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at least 17 months between claim filings, you would more than likely save some money if you opt for a higher deductible.

How to decide to raise your deductibles

Average monthly premium for $100 deductibles: $109
Average monthly premium for $500 deductibles (subtract): – $85
Monthly savings from raising deductible: $24
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One thing to be aware of is that higher deductibles results in more money out-of-pocket when you have a comprehensive or collision claim. You will want to have some extra savings in the event you need to pay the higher deductible.

Difference between liability only and full coverage rates

The information below visualizes the comparison of Honda Civic insurance costs with full coverage compared to only the Arizona minimum liability coverage. The rates are based on no tickets, no at-fault accidents, $100 deductibles, single status, and no discounts are applied.

Deciding between full coverage and liability only

There is no clear-cut formula of when to exclude comp and collision coverage, but there is a general guideline. If the annual cost of coverage is more than around 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s say your Honda Civic replacement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $7,000 after the deductible is paid. If you are paying more than $700 a year for your policy with full coverage, then you may need to consider dropping full coverage.

There are some conditions where dropping physical damage coverage is not in your best interest. If you haven’t paid off your loan, you have to keep full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not buy liability only.

Why you need quality insurance for your Civic

Despite the potentially high cost of Honda Civic insurance, paying for car insurance may be mandatory for several reasons.

First, the majority of states have minimum mandated liability insurance limits which means you are required to buy a specific minimum amount of liability in order to drive the car. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a lien on your Civic, most lenders will require you to have physical damage coverage to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the bank may buy a policy for your Honda at an extremely high rate and force you to pay the higher premium.

Third, car insurance preserves your vehicle and your assets. It also can pay for many types of medical costs for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance will also pay attorney fees in the event you are sued. If your Honda gets damaged, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.

The benefits of buying car insurance greatly outweigh the cost, particularly when you have a large claim. As of last year, the average driver in Arizona overpays as much as $825 a year so compare rates at every policy renewal to save money.

Get cheaper Honda Civic insurance in Tucson with discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that you may not even be aware of. Certain reductions will be credited at quote time, but a few must be inquired about prior to receiving the credit.Save money with discounts

Drivers should understand that most discounts do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So even though you would think adding up those discounts means a free policy, you’re out of luck.

The diagram below shows the comparison of Honda Civic car insurance rates with and without discounts applied to the policy premium. The data assumes a female driver, no claims, a clean driving record, Arizona state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-policy, multi-car, safe-driver, and homeowner discounts applied.

A few of the larger companies and a partial list of their discounts can be read below.

If you need affordable Tucson car insurance quotes, ask all the companies what discounts are available to you. Some discounts listed above may not be offered in Tucson. To view insurance companies that offer many of these discounts in Tucson, click this link.

Local Tucson auto insurance agents and auto insurance

A lot of people still prefer to buy from a local agent and there is nothing wrong with that. One of the great benefits of comparing auto insurance online is you may find cheap rate quotes and still have an agent to talk to.

Tucson insurance agentsAfter filling out this simple form, your insurance data gets sent to local insurance agents in Tucson that provide free Tucson car insurance quotes for your coverage. There is no reason to visit any agencies as quotes are delivered to you instantly. You can find better rates AND an agent nearby. If you need to quote rates from a specific company, you can always search and find their rate quote page and submit a quote form there.

Picking the best provider is decision based upon more than just a cheap quote. Any agent in Tucson should be willing to answer these questions.

When searching for a local insurance agency, it’s important to understand the types of agencies and how they are distinctly different. Agencies in Tucson can be classified as either exclusive or independent.

Exclusive Agencies

Agents in the exclusive channel write business for a single company and examples are State Farm, Allstate, and Farm Bureau. These agents are unable to shop your coverage around so always compare other rates. Exclusive agencies are well schooled on what they offer which helps them compete with independent agents.

Listed below is a short list of exclusive agencies in Tucson that are able to give rate quotes.

Gene Molina – State Farm Insurance Agent
2160 W Holladay StTucson, AZ 85746(520) 883-1500View Map

2654 N Campbell AveTucson, AZ 85719(520) 327-7884View Map

4319 E Broadway BlvdTucson, AZ 85711(520) 323-0017View Map

View more Tucson agents

Independent Agencies or Brokers

These type of agents do not write with just one company and that allows them to write policies with any number of different companies and potentially find a lower price. If your agent finds better pricing, the business is moved internally and you won’t have to switch agencies.

If you need lower rates, we recommend you include rate quotes from a couple of independent agencies so that you have a good selection of quotes to compare.

Listed below is a list of independent insurance agents in Tucson willing to provide price quote information.

6245 E Broadway BlvdSte 310Tucson, AZ 85711(520) 624-3456View Map

6992 E Broadway BlvdTucson, AZ 85710(520) 571-1900View Map

Arizona Southern Insurance Agency
6544 E 22nd StTucson, AZ 85710(520) 747-3900View Map

View more Tucson agents

Once you have received good answers to all your questions and cheaper Civic insurance quotes, chances are good that you have found an auto insurance agent that can be relied on to adequately provide auto insurance.

Smart consumers save more

Budget-friendly car insurance in Tucson can be found both online and from local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not provide rates over the internet and many times these regional carriers work with independent agents.

When you buy Tucson car insurance online, never sacrifice coverage to reduce premiums. There have been many situations where an insured cut comprehensive coverage or liability limits only to regret that the small savings ended up costing them much more. The aim is to buy enough coverage at the best cost but still have enough coverage for asset protection.

How to find low-cost Honda Civic insurance in Tucson

The best way to get low-cost Honda Civic insurance is to compare quotes annually from insurers who sell auto insurance in Tucson.

One thing to point out is to use identical coverage information on every quote and and to compare as many different companies as possible. This provides the most accurate price comparison and a better comparison of the market.

Much more information about car insurance in Arizona can be read below: