Cheap Rates for Honda Civic Insurance in Cincinnati

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Insurance for Honda CivicIt goes without saying that car insurance companies don't want you to look at other companies. People who compare rates once a year will presumably switch auto insurance companies because there are good odds of finding a lower-cost company. A recent survey discovered that consumers who make a habit of shopping around saved as much as $860 a year compared to those who never shopped around for cheaper prices.

If finding budget-friendly rates on insurance in Cincinnati is the reason for your visit, understanding how to get free comparison quotes and analyze insurance rates can save money and time.

Really, the only way to find cheaper prices for car insurance rates in Cincinnati is to compare prices annually from insurers that sell auto insurance in Ohio. Rates can be compared by following these steps.

  1. Get a basic knowledge of the coverage provided by your policy and the steps you can take to drop your rates. Many risk factors that cause rate increases like accidents, traffic tickets, and a less-than-favorable credit score can be rectified by paying attention to minor details. Read the full article for information to find cheap rates and get discounts that may be available to you.
  2. Compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or State Farm, while independent agents can quote prices from multiple companies.
  3. Compare the new quotes to your current policy and see if there is a cheaper rate. If you can save money and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Notify your agent or company of your intent to cancel your existing policy. Submit payment along with a signed and completed policy application to your new agent or company. Once the paperwork is finalized, place your new certificate verifying proof of insurance in an easily accessible location in your vehicle.

A good tip to remember is that you'll want to make sure you compare identical coverages on each price quote and and to look at as many companies as possible. Doing this guarantees a fair price comparison and the best rate selection.

Locating the best rates in Cincinnati is not rocket science. If you currently have a car insurance policy, you will surely be able to cut your premiums using the following tips. Nevertheless, Ohio drivers need to have an understanding of how the larger insurance companies charge you for coverage and use this information to your advantage.

Don't overlook these Honda Civic insurance discounts

Auto insurance is expensive, but you might find some hidden discounts that can dramatically reduce your bill. Some discounts will apply at quote time, but a few need to be specially asked for before being credited.Discount auto insurance

  • Pay Upfront and Save - If you pay your entire premium ahead of time rather than paying monthly you may have a lower total premium amount.
  • Distant Student Discount - Youth drivers who attend college more than 100 miles from Cincinnati and won't have access to an insured vehicle may be able to be covered for less.
  • Lower Rates for Military - Being on active deployment in the military could mean lower rates.
  • Telematics Devices - Drivers who elect to allow their insurance company to monitor driving patterns through the use of a telematics system such as Progressive's Snapshot might get better premium rates if they are good drivers.
  • Bundled Policy Discount - If you can bundle your homeowners and auto insurance with one company you could get a discount of approximately 10% to 15%.

Don't be surprised that most discount credits are not given to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. Despite the appearance that all the discounts add up to a free policy, you won't be that lucky.

The chart below shows the difference between Honda Civic insurance costs with and without discounts being applied to the rates. The premiums assume a male driver, no violations or accidents, Ohio state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, homeowner, claim-free, marriage, and multi-car discounts applied.

Companies and some of the premium reductions they offer include:

  • American Family policyholders can earn discounts including bundled insurance, multi-vehicle, air bags, TimeAway discount, good driver, and mySafetyValet.
  • State Farm may have discounts that include accident-free, safe vehicle, passive restraint, Drive Safe & Save, student away at school, defensive driving training, and good student.
  • 21st Century offers premium reductions for 55 and older, automatic seat belts, defensive driver, good student, driver training, anti-lock brakes, and air bags.
  • Travelers may offer discounts for IntelliDrive, home ownership, early quote, driver training, continuous insurance, hybrid/electric vehicle, and student away at school.
  • GEICO offers discounts including emergency military deployment, anti-theft, multi-vehicle, membership and employees, and federal employee.

When getting free Cincinnati auto insurance quotes, it's a good idea to every insurance company which discounts you may be entitled to. Discounts may not apply to policies in Cincinnati.

The majority of larger companies such as GEICO, State Farm and Progressive allow you to get prices on their websites. This process is quite easy as you simply type in your coverage information as detailed in the form. After the form is submitted, the system pulls credit information and your driving record and returns a price quote.

Being able to quote online for Honda Civic insurance in Cincinnati makes it simple to compare prices and it's also necessary to get many rate quotes if you want to find a better rate.

To save time and find out if lower rates are available, consider comparing rates from the companies shown below. If you have coverage now, it's recommended that you enter the coverages exactly as they are listed on your policy. Doing this assures you are getting rate comparison quotes using the exact same coverages.

The providers in the list below are our best choices to provide free quotes in Ohio. To find cheap car insurance in OH, it's highly recommended you compare several of them to get a more complete price comparison.

Data for Honda Civic insurance

The premium table below showcases estimates of insurance costs for Honda Civic models. Having knowledge of how rate quotes are formulated can benefit drivers when making informed purchases.

Honda Civic Insurance Rates in Cincinnati, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $92 $214 $274 $16 $82 $678 $57
Civic VP 4-Dr Sedan $92 $252 $274 $16 $82 $716 $60
Civic LX 4-Dr Sedan $92 $252 $274 $16 $82 $716 $60
Civic DX 2-Dr Coupe $92 $252 $344 $20 $102 $810 $68
Civic EX 4-Dr Sedan $92 $252 $274 $16 $82 $716 $60
Civic LX-S 4-Dr Sedan $92 $252 $274 $16 $82 $716 $60
Civic LX 2-Dr Coupe $92 $290 $344 $20 $102 $848 $71
Civic EX-L 4-Dr Sedan $106 $290 $274 $16 $82 $768 $64
Civic SI 4-Dr Sedan $106 $290 $274 $16 $82 $768 $64
Civic EX 2-Dr Coupe $106 $290 $344 $20 $102 $862 $72
Civic GX 4-Dr Sedan $106 $290 $274 $16 $82 $768 $64
Civic EX-L 2-Dr Coupe $106 $290 $344 $20 $102 $862 $72
Civic Hybrid 4-Dr Sedan $120 $252 $274 $16 $82 $744 $62
Civic SI 2-Dr Coupe $120 $328 $344 $20 $102 $914 $76
Get Your Own Custom Quote Go

Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price information does not factor in specific location which can change auto insurance rates substantially.

Comparison of policy deductibles

One of the hardest decisions when shopping for auto insurance is which comprehensive and collision deductibles to buy. The rates shown below help summarize the differences in price between low and high comp and collision deductibles. The first rate table uses a $250 deductible for comp and collision and the second set of prices uses a $500 deductible.

Honda Civic insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $152 $296 $226 $14 $68 $781 $65
Civic VP 4-Dr Sedan $152 $348 $226 $14 $68 $833 $69
Civic LX 4-Dr Sedan $152 $348 $226 $14 $68 $833 $69
Civic DX 2-Dr Coupe $152 $348 $284 $16 $84 $909 $76
Civic EX 4-Dr Sedan $152 $348 $226 $14 $68 $833 $69
Civic LX-S 4-Dr Sedan $152 $348 $226 $14 $68 $833 $69
Civic LX 2-Dr Coupe $152 $400 $284 $16 $84 $961 $80
Civic EX-L 4-Dr Sedan $176 $400 $226 $14 $68 $909 $76
Civic SI 4-Dr Sedan $176 $400 $226 $14 $68 $909 $76
Civic EX 2-Dr Coupe $176 $400 $284 $16 $84 $985 $82
Civic GX 4-Dr Sedan $176 $400 $226 $14 $68 $909 $76
Civic EX-L 2-Dr Coupe $176 $400 $284 $16 $84 $985 $82
Civic Hybrid 4-Dr Sedan $198 $348 $226 $14 $68 $879 $73
Civic SI 2-Dr Coupe $198 $454 $284 $16 $84 $1,061 $88
Get Your Own Custom Quote Go
Honda Civic insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $124 $238 $226 $14 $68 $670 $56
Civic VP 4-Dr Sedan $124 $280 $226 $14 $68 $712 $59
Civic LX 4-Dr Sedan $124 $280 $226 $14 $68 $712 $59
Civic DX 2-Dr Coupe $124 $280 $284 $16 $84 $788 $66
Civic EX 4-Dr Sedan $124 $280 $226 $14 $68 $712 $59
Civic LX-S 4-Dr Sedan $124 $280 $226 $14 $68 $712 $59
Civic LX 2-Dr Coupe $124 $324 $284 $16 $84 $832 $69
Civic EX-L 4-Dr Sedan $142 $324 $226 $14 $68 $774 $65
Civic SI 4-Dr Sedan $142 $324 $226 $14 $68 $774 $65
Civic EX 2-Dr Coupe $142 $324 $284 $16 $84 $850 $71
Civic GX 4-Dr Sedan $142 $324 $226 $14 $68 $774 $65
Civic EX-L 2-Dr Coupe $142 $324 $284 $16 $84 $850 $71
Civic Hybrid 4-Dr Sedan $160 $280 $226 $14 $68 $748 $62
Civic SI 2-Dr Coupe $160 $366 $284 $16 $84 $910 $76
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rates do not factor in vehicle location which can raise or lower auto insurance rates greatly.

Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $11 more each month or $132 for a full year than buying the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 23 months between claims, you would probably save some money if you choose a higher deductible.

The illustration below demonstrates how deductible levels and can affect Honda Civic premium costs for each different age group. Data assumes a married male driver, comp and collision included, and no discounts are applied to the premium.

When to have guidance from an insurance agent

Certain consumers prefer to go talk to an agent and doing so can bring peace of mind One of the great benefits of price shopping on the web is that you can obtain cheap auto insurance quotes but also keep your business local.

Insurance agency in CincinnatiUpon completion of this simple form, your coverage information is instantly submitted to participating agents in Cincinnati who can give free rate quotes for your auto insurance coverage. It's much easier because you don't need to search for any insurance agencies due to the fact that quote results will go directly to your email. You can find lower rates and work with a local agent. If you want to compare rates from a specific insurance company, just go to their quote page and complete a quote there.

Finding a good provider should include more criteria than just a cheap price quote. These are valid questions to ask:

  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • How much training do they have in personal risk management?
  • Do they get paid more for recommending certain coverages?
  • Did they already check your driving record and credit reports?
  • Can you use your own choice of collision repair facility?
  • Does the company have a solid financial rating?

Which auto insurance company is best in Ohio?

Ending up with a high-quality insurance provider can be difficult considering how many companies there are to choose from in Ohio. The rank data below can help you analyze which car insurance companies you want to consider when looking for cheaper rates.

Top 10 Cincinnati Car Insurance Companies Ranked by Customer Service

  1. Nationwide
  2. State Farm
  3. Safeco Insurance
  4. American Family
  5. Titan Insurance
  6. Travelers
  7. Liberty Mutual
  8. GEICO
  9. Erie Insurance
  10. Allstate

The lowest rates come from being thorough

In this article, we covered quite a bit of information on how to get a better price on Honda Civic insurance in Cincinnati. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. Consumers may even find the lowest priced insurance comes from a small mutual company.

Affordable Honda Civic insurance in Cincinnati can be sourced online and with local Cincinnati insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide online rate quotes and many times these small, regional companies only sell coverage through independent insurance agencies.

While you're price shopping online, make sure you don't skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice liability coverage limits only to regret they didn't purchase enough coverage. Your objective should be to buy enough coverage at an affordable rate, but do not sacrifice coverage to save money.

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