Discount Honda Civic insuranceHow many times have you put off comparing quotes for the cheapest car insurance rates in Jacksonville, FL? Jacksonville drivers have a choice when trying to find the lowest priced Honda Civic insurance. They can either spend hours struggling with agents to compare prices or use the internet to get rate quotes.

There is a right way and a wrong way to buy car insurance and you need to know the best way to compare rates for a Honda and find the lowest price.

If you are insured now or are just looking to switch companies, use these cost-cutting techniques to get lower rates and possibly find even better coverage. The goal of this article is to familiarize you with how to compare rates easily and also pocket some savings Drivers just have to know the least time-consuming way to shop their coverage around from multiple carriers.

Getting a cheaper price on Honda Civic insurance is actually quite simple. You just have to invest a little time to get quotes online from several insurance companies.

The companies in the list below are our best choices to provide free quotes in Florida. If multiple providers are shown, it's a good idea that you visit two to three different companies in order to get a fair rate comparison.

Honda Civic Insurance Cost Estimates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $244 $552 $400 $24 $120 $1,340 $112
Civic VP 4-Dr Sedan $254 $634 $564 $34 $168 $1,654 $138
Civic LX 4-Dr Sedan $134 $334 $392 $24 $118 $1,002 $84
Civic DX 2-Dr Coupe $166 $454 $678 $40 $202 $1,540 $128
Civic EX 4-Dr Sedan $192 $496 $564 $34 $168 $1,454 $121
Civic LX-S 4-Dr Sedan $168 $394 $426 $26 $128 $1,142 $95
Civic LX 2-Dr Coupe $260 $594 $684 $40 $204 $1,782 $149
Civic EX-L 4-Dr Sedan $278 $758 $472 $28 $142 $1,678 $140
Civic SI 4-Dr Sedan $322 $736 $418 $24 $124 $1,624 $135
Civic EX 2-Dr Coupe $252 $626 $500 $30 $150 $1,558 $130
Civic GX 4-Dr Sedan $238 $546 $430 $26 $128 $1,368 $114
Civic EX-L 2-Dr Coupe $194 $454 $532 $32 $160 $1,372 $114
Civic Hybrid 4-Dr Sedan $280 $532 $392 $24 $118 $1,346 $112
Civic SI 2-Dr Coupe $284 $760 $678 $40 $202 $1,964 $164
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in your specific Jacksonville location which can raise or lower premium rates considerably.

Rate comparison of male drivers versus female drivers

The example below illustrates the difference between Honda Civic car insurance rates for male and female drivers. The price estimates are based on no claims or violations, full physical damage coverage, $500 deductibles, marital status is single, and no other discounts are factored in.

Why you need insurance for your Civic

Despite the high cost, maintaining insurance serves several important purposes.

The benefits of carrying enough insurance are definitely more than the cost, particularly for liability claims. But the average American driver is overpaying over $850 per year so compare quotes from several companies at every policy renewal to ensure rates are inline.

How You Can Control Honda Civic Insurance Costs

Multiple criteria are used when premium rates are determined. Most are fairly basic like an MVR report, but other criteria are less obvious such as your credit history or your commute time. Smart consumers have a good feel for the factors that go into determining the level of your policy premiums. If you know what determines base rates, this enables informed choices that could help you find lower car insurance prices.

The factors shown below are most of the major factors used by insurance companies to determine premiums.

Auto insurance discounts are available to cut your rates

Auto insurance is expensive, but there could be available discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically at quote time, but some may not be applied and must be specifically requested prior to getting the savings.Discount auto insurance

It's important to note that most discount credits are not given to the entire policy premium. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like you can get free auto insurance, insurance companies wouldn't stay in business. Any qualifying discounts will lower your policy premium.

A list of auto insurance companies and their offered discounts can be read below.

If you are trying to find the cheapest Honda Civic rate quotes, ask each company or agent which discounts can lower your rates. Some of the discounts discussed earlier may not apply to policies in your area. If you would like to view insurers that can offer you the previously mentioned discounts in Jacksonville, click here to view.

Your situation helps dictate your coverage

Keep in mind that when it comes to choosing the best auto insurance coverage for your personal vehicles, there isn't really a best way to insure your cars. Your needs are unique to you so your insurance should reflect thatSafe vehicles cost less to insure Here are some questions about coverages that may help you determine if your situation could use an agent's help.

If you're not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Are auto insurance agents a thing of the past?

Some people would rather talk to an insurance agent and that is OK! Professional agents can help you choose the best coverages and will help you if you have claims. The best thing about comparing insurance online is that drivers can save money and get the lowest rates but still work with a licensed agent. Putting coverage with local agencies is especially important in Jacksonville.

To make it easy to find an agent, after completing this quick form, your insurance data is transmitted to participating agents in Jacksonville who will give you bids to get your business. You won't need to drive around because quoted prices will be sent directly to you. If you need to get a price quote from one company in particular, just search and find their rate quote page and give them your coverage information.

Pick the best auto insurance agent in Jacksonville for you

If you want a reliable insurance agency, it's helpful to know the types of insurance agents that differ in how they can insure your vehicles. Insurance policy providers can be described as either independent or exclusive. Both types can sell and service insurance coverage, but we need to point out the differences since it can impact the type of agent you choose.

Independent Agents (or Brokers)

Agents that choose to be independent often have affiliation with several companies so they can write business with multiple insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, your policy is moved internally which is easy for the insured.

When shopping rates, we highly recommend that you contact at least one independent agent for maximum quote selection. Most have the option of insuring with less well-known companies that may provide cheaper insurance rates.

Shown below is a partial list of independent agents in Jacksonville who may be able to give you price quote information.

View more agents

Exclusive Agencies

Agents in the exclusive channel work for only one company and some examples include Allstate and State Farm. Exclusive agents are unable to compare rates from other companies so keep that in mind. Exclusive agents are trained well on their company's products and that can be a competitive advantage. Some insured continue to purchase coverage from exclusives partially due to the prominence of the brand and the convenience of having a single billing for all their coverages.

Shown below is a list of exclusive agents in Jacksonville willing to provide price quotes.

View more agents

Finding the right auto insurance agent should include more criteria than just the bottom line cost. Get answers to these questions too.

Don't give up on cheaper rates

As you go through the steps to switch your coverage, don't be tempted to skimp on critical coverages to save a buck or two. In too many instances, someone dropped comprehensive coverage or liability limits and learned later that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find at an affordable rate, but don't skip important coverages to save money.

Lower-priced Honda Civic insurance in Jacksonville is definitely available from both online companies as well as from insurance agents, so you need to quote Jacksonville car insurance with both to have the best chance of lowering rates. Some insurance providers do not offer online quoting and usually these smaller companies work with independent agents.

We just covered a lot of ways to get a better price on Honda Civic insurance in Jacksonville. The key concept to understand is the more companies you get prices for, the better your comparison will be. Consumers could even find that the most savings is with a company that doesn't do a lot of advertising. Regional companies may have significantly lower prices on certain market segments compared to the large companies like Allstate, GEICO and Progressive.

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