Insurance quote for Honda Civic in IndianapolisDo you need a better way to compare more competitive Honda Civic insurance in Indianapolis? Having to pay for overpriced Honda Civic insurance in Indianapolis can take a big chunk out of your monthly budget and put a big crunch on your finances. Comparing rates annually can save money and help to slash your bill and have more diposable income.

Amazingly, a recent study showed that nearly 70% of customers kept their policy with the same company for four years or more, and just under half have never even compared quotes to find lower-cost rates. Many consumers in Indiana could save an average of nearly $700 each year, but they assume it's a waste of time to find lower-cost rates by getting comparison quotes. Big-name insurance companies like Allstate, Liberty Mutual and State Farm continually bombard you with catchy ads and it can be hard to ignore the propaganda and take the time to shop coverage around.

If you already have coverage or just want cheaper rates, follow these tips to shop for the lowest rates without reducing protection. Buying affordable auto insurance in Indianapolis is easy if you know what you're doing. Drivers just need to learn the quickest method to shop their coverage around online from multiple companies.

Getting a cheaper price on Honda Civic insurance is surprisingly easy. Drivers just need to take time comparing rate quotes from different insurance companies.

Online shopping is fast and free, and it takes the place of having to drive around to different Indianapolis agent offices. Quoting Honda Civic insurance online can eliminate the need for a local agent unless you're the type of person who wants the trained guidance that can only be provided by a licensed insurance agent. Although, it is possible price shop online and get advice from an agent in your area.

The companies in the list below have been selected to offer comparison quotes in Indianapolis, IN. If the list has multiple companies, we recommend you visit as many as you can to get a more complete price comparison.

Honda Civic Insurance Rates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $182 $414 $364 $22 $110 $1,092 $91
Civic VP 4-Dr Sedan $100 $280 $318 $18 $94 $810 $68
Civic LX 4-Dr Sedan $92 $230 $270 $16 $80 $688 $57
Civic DX 2-Dr Coupe $148 $392 $456 $28 $136 $1,160 $97
Civic EX 4-Dr Sedan $170 $428 $380 $22 $114 $1,114 $93
Civic LX-S 4-Dr Sedan $206 $592 $340 $20 $102 $1,260 $105
Civic LX 2-Dr Coupe $92 $266 $336 $20 $100 $814 $68
Civic EX-L 4-Dr Sedan $130 $306 $286 $16 $86 $824 $69
Civic SI 4-Dr Sedan $170 $422 $270 $16 $80 $958 $80
Civic EX 2-Dr Coupe $116 $306 $396 $24 $118 $960 $80
Civic GX 4-Dr Sedan $134 $312 $280 $16 $84 $826 $69
Civic EX-L 2-Dr Coupe $232 $668 $456 $28 $136 $1,520 $127
Civic Hybrid 4-Dr Sedan $280 $430 $368 $22 $110 $1,210 $101
Civic SI 2-Dr Coupe $146 $398 $456 $28 $136 $1,164 $97
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Price estimates do not factor in specific location information which can alter premiums significantly.

How high should deductibles be?

The example below shows how choosing a deductible and can change Honda Civic insurance prices for each age group. The premiums assume a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Rate difference between full and liability-only coverage

The chart below visualizes the comparison of Honda Civic auto insurance costs with full coverage compared to only the Indiana minimum liability coverage. The premiums are based on no claims or driving violations, $1,000 deductibles, married male driver, and no other discounts are factored in.

Deciding between full coverage and liability only

There is no set guideline for excluding physical damage insurance, but there is a general guideline. If the annual cost of having full coverage is more than about 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let's say your Honda Civic settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $2,000 after paying the physical damage deductible. If premium cost is more than $200 annually for full coverage, then you may want to consider only buying liability coverage.

There are some cases where dropping full coverage is not recommended. If you still have a loan on your vehicle, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.

Honda Civic insurance premiums by gender in Indianapolis

The example below shows the difference between Honda Civic car insurance rates for male and female drivers. The information is based on no violations or claims, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no other discounts are factored in.

Car insurance discounts help lower rates for Honda Civic insurance in Indianapolis

Some insurers don't always list the entire discount list very clearly, so the list below contains a few of the more common as well as some of the hidden discounts that may be available.Car insurance discounts

You can save money using discounts, but most credits do not apply to the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, that's just not realistic. Any qualifying discounts will cut your overall bill.

A list of companies and a summarized list of policyholder discounts are detailed below.

When getting free Indianapolis auto insurance quotes, it's a good idea to every prospective company what discounts are available to you. Some credits might not be offered in Indianapolis. If you would like to choose from a list of car insurance companies with discount rates in Indiana, click here to view.

Auto insurance protects more than just your car

Even though Indianapolis Civic insurance rates can get expensive, paying for auto insurance is required for several reasons.

The benefits of carrying enough insurance greatly outweigh the cost, especially with large liability claims. But the average American driver overpays more than $700 annually so it's recommended you shop around at every renewal to make sure the price is not too high.

Situations that may require an agent's advice

When choosing proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone's needs are different and your policy should reflect that.Car insurance savings These are some specific questions could help you determine if you could use an agent's help.

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It's fast, free and may give you better protection.

Insurance agent or online?

Some consumers just prefer to have an agent's advice and doing that can be a smart decision Good agents can help you choose the best coverages and help in the event of a claim. A nice benefit of comparing rates online is that you can find the lowest rates and still buy from a local agent.

Insurance agency in IndianapolisAfter completing this simple form, the coverage information gets sent to participating agents in Indianapolis who will gladly provide quotes for your coverage. You won't even need to drive around as quotes are delivered directly to your email. In the event you want to compare prices from a specific company, just visit that company's website and submit a quote form there.

Finding the right insurer shouldn't rely on just the bottom line cost. Here are some questions to ask:

Shown below are Indianapolis auto insurance companies willing to provide comparison quotes for Honda Civic insurance in Indianapolis.

6437 Rucker Rd b - Indianapolis, IN 46220 - (317) 253-4300 - View Map

2107 W Washington St - Indianapolis, IN 46222 - (317) 687-8807 - View Map

Indiana Discount Insurance
5502 N Keystone Ave - Indianapolis, IN 46220 - (317) 863-0349 - View Map

2425 N Meridian St - Indianapolis, IN 46208 - (317) 923-7722 - View Map

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