Would you like to save money by finding cheaper Honda Civic insurance in Mesa? Searching for the cheapest insurance for a Honda Civic in Arizona can be a painful process, but you can follow a few tricks and make it easy. There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the proper way to price shop coverage for a new or used Honda and obtain the cheapest rates.
It’s a great practice to compare premium rates on a regular basis due to the fact that insurance prices change frequently. Even if you got the lowest rate on Honda Civic insurance in Mesa two years ago a different company probably has better premium rates today. Forget anything you know (or think you know) about car insurance because you’re going to learn the fastest way to find lower rates on car insurance.
Buying the cheapest car insurance in Mesa is not that difficult. If you already have coverage or just want to reduce your rates, you can learn to find the best rates and still get good coverage. Comparison shoppers just need to learn the least time-consuming way to buy car insurance from multiple carriers.
Most of the larger companies make it easy to get prices direct online. This process is possible for anyone as you simply type in your required coverages on the page. After the form is submitted, the company’s rating system obtains your credit score and driving record and generates a price.
This makes comparing rates easy, and it is imperative to compare as many rates as possible in order to find the cheapest car insurance rates.
To quickly fill out one form to compare multiple rates now, compare quotes from the companies shown below. If you currently have coverage, we recommend you replicate the coverage information as shown on your current policy. This helps ensure you will have a rate comparison for exact coverage.
The companies shown below are ready to provide comparison quotes in Arizona. If you want to find cheap car insurance in Arizona, we recommend you visit as many as you can to get a more complete price comparison.
These discounts can reduce Honda Civic insurance rates
Car insurance is expensive, but you may be missing some discounts that you may not even be aware of. Many discounts should be triggered at quote time, but lesser-known reductions have to be inquired about before they will apply.
- Cautious Driver Discount – Accident-free drivers may save up to 50% more than less cautious drivers.
- Club Memberships – Participating in a professional or civic organization could trigger savings on car insurance.
- Discounts for Government Workers – Federal government employees could qualify for a slight premium decrease but check with your company.
- Early Payment Discounts – By paying your policy upfront rather than paying in monthly installments you could save 5% or more.
- Bundle and Save – If you can combine your home and auto policy and insure them both with the same insurance company you will save nearly 15% which can help you find low cost Honda Civic insurance.
- Defensive Driver – Successfully completing a class that teaches defensive driving techniques could cut 5% off your bill depending on where you live.
- Good Students Pay Less – Maintaining excellent grades could provide a savings of up to 20% or more. The good student discount can last until age 25.
- Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
- Senior Citizens – Mature drivers may receive reduced rates.
- Theft Deterrent System – Vehicles with anti-theft systems prevent vehicle theft so companies will give you a small discount.
A little disclaimer on discounts, some credits don’t apply to the entire cost. Most only cut the price of certain insurance coverages like comp or med pay. So even though you would think all those discounts means the company will pay you, that’s just not realistic.
The information below compares Honda Civic insurance costs with and without discounts applied to the premium. The price estimates are based on a female driver, no claims, a clean driving record, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-policy, multi-car, homeowner, and safe-driver discounts applied.
To find insurance companies with the best discounts in Arizona, click here.
Honda Civic insurance analysis
The price information shown below highlights different rate quotes for Honda Civic models. Learning as much as possible about how car insurance prices are figured can help customers make informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $188 | $314 | $392 | $24 | $118 | $1,036 | $86 |
| Civic VP 4-Dr Sedan | $188 | $370 | $392 | $24 | $118 | $1,092 | $91 |
| Civic LX 4-Dr Sedan | $188 | $370 | $392 | $24 | $118 | $1,092 | $91 |
| Civic DX 2-Dr Coupe | $188 | $370 | $490 | $30 | $146 | $1,224 | $102 |
| Civic EX 4-Dr Sedan | $188 | $370 | $392 | $24 | $118 | $1,092 | $91 |
| Civic LX-S 4-Dr Sedan | $188 | $370 | $392 | $24 | $118 | $1,092 | $91 |
| Civic LX 2-Dr Coupe | $188 | $428 | $490 | $30 | $146 | $1,282 | $107 |
| Civic EX-L 4-Dr Sedan | $214 | $428 | $392 | $24 | $118 | $1,176 | $98 |
| Civic SI 4-Dr Sedan | $214 | $428 | $392 | $24 | $118 | $1,176 | $98 |
| Civic EX 2-Dr Coupe | $214 | $428 | $490 | $30 | $146 | $1,308 | $109 |
| Civic GX 4-Dr Sedan | $214 | $428 | $392 | $24 | $118 | $1,176 | $98 |
| Civic EX-L 2-Dr Coupe | $214 | $428 | $490 | $30 | $146 | $1,308 | $109 |
| Civic Hybrid 4-Dr Sedan | $242 | $370 | $392 | $24 | $118 | $1,146 | $96 |
| Civic SI 2-Dr Coupe | $242 | $484 | $490 | $30 | $146 | $1,392 | $116 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in garaging location in Mesa which can affect premium rates noticeably.
The diagram below demonstrates how choosing different deductibles and can affect Honda Civic insurance costs for each age group. The prices are based on a married male driver, comp and collision included, and no discounts are applied.
Exclusive versus independent car insurance agents
Some people would prefer to get professional advice from a licensed agent and there is nothing wrong with that. Most agents can help you choose the best coverages and help submit paperwork. A good thing about getting online price quotes is that you can obtain cheaper car insurance rates and still choose a local agent.
After filling out this short form, the coverage information is emailed to participating agents in Mesa who want to provide quotes for your business. You won’t need to find an agent because quoted prices will be sent to you. If you want to get a comparison quote from a specific insurance company, don’t hesitate to jump over to their website to submit a rate quote request.
Finding the right insurer is decision based upon more than just the quoted price. Here are some questions you should ask.
- How much experience to they have in personal lines coverages?
- Will the company cover a rental car if your car is getting fixed?
- What insurance company do they write the most business with?
- Are they able to influence company decisions when a claim is filed?
- Is the coverage adequate for your vehicle?
- What is the agency’s Better Business Bureau rating?
- Are you getting all the discounts the company offers?
If you prefer to buy auto insurance from a local Mesa insurance agency, it helps to know the two different types of agents and how they are distinctly different. Insurance agencies in Mesa are considered either independent agents or exclusive agents. Either one can sell auto insurance policies, but we need to point out the difference in how they write coverage because it can impact your selection of an agent.
Exclusive Auto Insurance Agents
These type of agents can only quote rates from one company and some examples include Farmers Insurance, Allstate, or State Farm. They are unable to provide prices from multiple companies so they really need to provide good service. Exclusive agencies are usually well trained on their company’s products which helps offset the inability to provide other markets. Drivers often use the same exclusive agent primarily because of high brand loyalty instead of buying on price only.
Listed below are exclusive insurance agencies in Mesa that are able to give comparison quotes.
- Scott Urry – State Farm Insurance Agent
5524 E Baseline Rd – Mesa, AZ 85206 – (480) 969-9155 – View Map - Ed Clark – State Farm Insurance Agent
3035 S Ellsworth Rd #112 – Mesa, AZ 85212 – (480) 832-3878 – View Map - Farmers Insurance – David Hovde
157 W Main St – Mesa, AZ 85201 – (480) 966-6209 – View Map
Independent Agencies or Brokers
Agents of this type are not employed by any specific company so as a result can place your coverage amongst many companies depending on which coverage is best. If you want to switch companies, they can switch companies in-house and the insured can keep the same agent.
If you are trying to find cheaper rates, you definitely need to get quotes from at a minimum one independent agency to get the most accurate price comparison. A lot of them also have access to different regional companies that may have much lower rates than larger companies.
Listed below is a list of independent agents in Mesa who can help you get comparison quotes.
- Wong Insurance Agency LLC dba GlobalGreen Insurance Agency of Mesa
66 S Dobson Rd # 131 – Mesa, AZ 85202 – (602) 758-1672 – View Map - Wilson Insurance
3950 E Broadway Rd # 102 – Mesa, AZ 85206 – (480) 964-2400 – View Map - Nationwide Insurance: Isakson Ins Agency Inc
1819 E Southern Ave, Ste E20 – Mesa, AZ 85204 – (480) 888-0318 – View Map
Why You Might Pay Inflated Rates in Mesa
Lots of factors are part of the calculation when you get a price on insurance. Some factors are common sense like an MVR report, but some are more transparent like your vehicle usage or your financial responsibility. Part of the car insurance buying process is learning a few of the rating criteria that aid in calculating the price you pay for car insurance. If you know what controls the rates you pay, this allows you to make good choices that will entitle you to cheaper rates.
The following are some of the factors used by companies to determine rates.
High performance equals high prices – The type of car, truck or SUV you are buying insurance for makes a huge difference in your rates. Lower performance four cylinder passenger cars usually are quite affordable to insure, but other factors influence the final cost greatly.
The following chart is based on a single female driver age 50, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Honda Civic insurance premiums compared to other models that have different risk factors.
Bad drivers pay high prices – Even a single chargeable violation may increase your cost by as much as thirty percent. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers who have gotten severe violations such as DUI or reckless driving are required to submit a SR-22 form with their state in order to legally drive.
The chart below shows how speeding tickets and at-fault claims can affect Honda Civic auto insurance costs for each different age category. The rate quotes are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.
Premiums for males may be higher – Statistics show that women are safer drivers than men. This data doesn’t prove that males are worse at driving than females. Females and males cause fender benders in similar percentages, but the male of the species tend to have more serious accidents. Not only that, but men also get more serious tickets like driving under the influence (DUI). Youthful male drivers tend to get in the most accidents and therefore are the most expensive to insure.
The diagram below shows the comparison of Honda Civic auto insurance rates for male and female drivers. The premiums are based on no accidents, no driving violations, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.
Keep policy claims to a minimum – Insurance companies in Arizona provide lower rates to insureds who do not rely on their insurance for small claims. If you’re an insured who likes to file claims you can expect higher premiums or even policy non-renewal. Insurance coverage is intended for the large, substantial claims.
Teenagers vs. older drivers – More experienced drivers are shown to be more cautious, cost insurance companies less in claims, and usually have better credit. Teenage drivers are statistically proven to be easily distracted in a vehicle so they pay higher car insurance rates.
The next chart is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.
Honda Civic claim statistics – Auto insurance companies factor in insurance loss information to help determine the rate you pay. Vehicles that statistically have increased claim numbers or amounts will have a higher cost to insure. The table below shows the loss history for Honda Civic vehicles.
For each policy coverage, the claim amount for all vehicles, as an average, is considered to be 100. Values below 100 suggest a better than average loss history, while values over 100 indicate more frequent losses or tendency to have higher losses.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Honda Civic | 92 | 105 | 68 | 127 | 135 | 121 |
| Honda Civic Hybrid | 90 | 85 | 106 | 105 | 78 | |
| Honda Civic Si | 126 | 97 | 117 | 124 | 104 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Three reasons car insurance is important
Despite the high insurance cost for a Honda Civic in Mesa, insuring your vehicle serves several important purposes.
First, just about all states have mandatory insurance requirements which means the state requires a minimum amount of liability protection 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 loan on your Honda Civic, it’s guaranteed your bank will force you to buy insurance to protect their interest in the vehicle. If you default on your policy, the bank will be required to insure your Honda for a much higher rate and make you pay for the much more expensive policy.
Third, car insurance preserves both your vehicle and your assets. It will also reimburse you for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay to defend you if anyone sues you for causing an accident. If your Honda gets damaged, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of carrying adequate insurance outweigh the cost, especially with large liability claims. According to a 2015 survey, the average American driver is overpaying more than $855 a year so you should quote your policy with other companies at every renewal to ensure rates are competitive.
Persistence pays off
As you restructure your insurance plan, it’s not a good idea to skimp on critical coverages to save a buck or two. In many instances, someone sacrificed liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. Your objective should be to buy enough coverage at the best possible price but still have enough coverage for asset protection.
Throughout this article, we presented a lot of ways to reduce Honda Civic insurance rates online in Mesa. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even be surprised to find that the lowest rates are with some of the smallest insurance companies.
Consumers leave their current company for many reasons like an unsatisfactory settlement offer, being labeled a high risk driver, high prices and policy non-renewal. Regardless of your reason for switching companies, switching companies is actually quite simple.
Steps to buying discount Honda Civic insurance in Mesa
If saving money is your primary concern, then the best way to get affordable auto insurance rates in Mesa is to compare prices once a year from companies who sell auto insurance in Arizona. This can be done by completing these steps.
- First, get a basic knowledge of coverages and the measures you can control to lower rates. Many risk factors that cause rate increases such as tickets, at-fault accidents, and a low credit score can be eliminated by making minor changes to your lifestyle.
- Second, compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from one company like GEICO and State Farm, while agents who are independent can provide price quotes from many different companies.
- Third, compare the price quotes to the premium of your current policy to see if a cheaper price is available. If you find a better price, make sure coverage does not lapse between policies.
- Fourth, provide adequate notice to your current company of your intention to cancel your current coverage. Submit a down payment along with a completed application to the new company. Once received, put the new certificate verifying proof of insurance somewhere easily accessible.
The key thing to know about shopping around is to use the same amount of coverage on each price quote and and to get price estimates from every company you can. This enables the most accurate price comparison and a thorough selection of prices.
Additional articles
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- How Much are Mesa Car Insurance Quotes for a Honda Accord? (FAQ)
- What Auto Insurance is Cheapest for Uninsured Drivers in Mesa? (FAQ)
- Which Company has the Cheapest Car Insurance in Mesa, Arizona? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Drivers Under 25 in Mesa? (FAQ)
- Vehicle Safety Ratings (iihs.org)
- Teen Driving Statistics (GEICO)
- Auto Insurance Facts and Statistics (Insurance Information Institute)