Insurance for Honda CivicDo you want to save money by buying cheaper Honda Civic insurance in Miami? Paying cheaper prices for Honda Civic insurance in Miami could be hard for drivers new to comparing rates online. With such a large number of agents and companies in the marketplace, it can quickly become a chore to find a more affordable company.

Amazingly, a recent NerdWallet.com study showed that the vast majority of drivers kept their policy with the same company for at least four years, and approximately 40% of consumers have never even compared quotes to find cheaper rates. Florida consumers could save almost $1,100 a year by just comparing quotes, but they mistakenly think it's difficult to compare rates online.

Low-cost companies for Honda Civic insurance

The providers in the list below are ready to provide free rate quotes in Florida. If several companies are displayed, we suggest you compare several of them in order to get a fair rate comparison.

Honda Civic Insurance Rates in Miami, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $356 $648 $546 $32 $164 $1,746 $146
Civic VP 4-Dr Sedan $276 $736 $504 $30 $152 $1,698 $142
Civic LX 4-Dr Sedan $166 $454 $542 $32 $162 $1,356 $113
Civic DX 2-Dr Coupe $224 $594 $630 $38 $188 $1,674 $140
Civic EX 4-Dr Sedan $134 $334 $392 $24 $118 $1,002 $84
Civic LX-S 4-Dr Sedan $244 $650 $400 $24 $120 $1,438 $120
Civic LX 2-Dr Coupe $254 $730 $704 $42 $210 $1,940 $162
Civic EX-L 4-Dr Sedan $226 $612 $472 $28 $142 $1,480 $123
Civic SI 4-Dr Sedan $278 $758 $472 $28 $142 $1,678 $140
Civic EX 2-Dr Coupe $256 $684 $630 $38 $188 $1,796 $150
Civic GX 4-Dr Sedan $254 $582 $426 $26 $128 $1,416 $118
Civic EX-L 2-Dr Coupe $278 $722 $548 $32 $164 $1,744 $145
Civic Hybrid 4-Dr Sedan $388 $864 $542 $32 $162 $1,988 $166
Civic SI 2-Dr Coupe $176 $446 $500 $30 $150 $1,302 $109
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rates do not factor in garaging location in Miami which can raise or lower auto insurance rates considerably.

How high should deductibles be?

One of the most common car insurance questions is how high should the physical damage deductibles be. The following insurance rates may aid in understanding the rate fluctuation of buying low and high physical damage coverage deductibles. The first set of prices uses a $100 deductible for comp and collision and the second set of rates uses a $500 deductible.

Honda Civic insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $312 $648 $418 $24 $124 $1,551 $129
Civic VP 4-Dr Sedan $312 $764 $418 $24 $124 $1,667 $139
Civic LX 4-Dr Sedan $312 $764 $418 $24 $124 $1,667 $139
Civic DX 2-Dr Coupe $312 $764 $522 $30 $156 $1,809 $151
Civic EX 4-Dr Sedan $312 $764 $418 $24 $124 $1,667 $139
Civic LX-S 4-Dr Sedan $312 $764 $418 $24 $124 $1,667 $139
Civic LX 2-Dr Coupe $312 $880 $522 $30 $156 $1,925 $160
Civic EX-L 4-Dr Sedan $358 $880 $418 $24 $124 $1,829 $152
Civic SI 4-Dr Sedan $358 $880 $418 $24 $124 $1,829 $152
Civic EX 2-Dr Coupe $358 $880 $522 $30 $156 $1,971 $164
Civic GX 4-Dr Sedan $358 $880 $418 $24 $124 $1,829 $152
Civic EX-L 2-Dr Coupe $358 $880 $522 $30 $156 $1,971 $164
Civic Hybrid 4-Dr Sedan $406 $764 $418 $24 $124 $1,761 $147
Civic SI 2-Dr Coupe $406 $994 $522 $30 $156 $2,133 $178
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 $228 $438 $418 $24 $124 $1,232 $103
Civic VP 4-Dr Sedan $228 $516 $418 $24 $124 $1,310 $109
Civic LX 4-Dr Sedan $228 $516 $418 $24 $124 $1,310 $109
Civic DX 2-Dr Coupe $228 $516 $522 $30 $156 $1,452 $121
Civic EX 4-Dr Sedan $228 $516 $418 $24 $124 $1,310 $109
Civic LX-S 4-Dr Sedan $228 $516 $418 $24 $124 $1,310 $109
Civic LX 2-Dr Coupe $228 $594 $522 $30 $156 $1,530 $128
Civic EX-L 4-Dr Sedan $262 $594 $418 $24 $124 $1,422 $119
Civic SI 4-Dr Sedan $262 $594 $418 $24 $124 $1,422 $119
Civic EX 2-Dr Coupe $262 $594 $522 $30 $156 $1,564 $130
Civic GX 4-Dr Sedan $262 $594 $418 $24 $124 $1,422 $119
Civic EX-L 2-Dr Coupe $262 $594 $522 $30 $156 $1,564 $130
Civic Hybrid 4-Dr Sedan $296 $516 $418 $24 $124 $1,378 $115
Civic SI 2-Dr Coupe $296 $672 $522 $30 $156 $1,676 $140
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Premium amounts do not factor in specific Miami garaging location which can alter coverage rates greatly.

Using the data above, we can ascertain that using a $100 deductible could cost the average driver approximately $31 more each month or $372 each year than opting for the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you usually have at least 13 months between claims, you would most likely save money if you choose the higher deductible. The illustration below shows how you can decide this on your own policy.

Average monthly premium for $100 deductibles: $150
Average monthly premium for $500 deductibles (subtract): - $119
Monthly savings from raising deductible: $31
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

An important sidenote is that higher deductibles results in having to pay to pay more out-of-pocket if you have a claim. You need to make sure you have enough money put aside in order to pay the higher deductible.

Get Cheaper Insurance Premiums by Understanding These Factors

Many different elements are part of the calculation when you get your auto insurance bill. A few of the factors are predictable like an MVR report, although others are not quite as obvious such as your credit history or how safe your car is. When buying auto insurance it's important to understand the rating factors that help determine the rates you pay for auto insurance. When consumers understand what determines premiums, this enables informed choices that can earn you cheaper rates.

Shown below are some of the factors used by insurance companies to determine your rate level.

Costs for males may be higher - Statistics demonstrate females are less aggressive when driving. However, this does not mean women are BETTER drivers than men. Women and men cause at-fault accidents at a similar rate, but the males have accidents that have higher claims. They also get more serious tickets like DWI (DUI) or reckless driving. Young males have the highest risk to insure and therefore pay the highest rates.

Vehicle features impact premiums - Selecting a car model with a theft deterrent system can help lower your premiums. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms all hinder your car from being stolen.

Companies want multiple policies - Many insurers afford a discount to buyers that purchase more than one policy, otherwise known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even if you're getting this discount consumers should still compare other Miami Civic insurance rates to make sure you are getting the best deal.

Safer vehicles means cheaper auto insurance rates - Vehicles with high crash test scores can get you lower premiums. Safer cars reduce the chance of injuries and fewer serious injuries translates directly to fewer claims and lower rates for you.

Big cities mean more claims - Having an address in smaller towns and rural areas of the country can save you money when talking about auto insurance. People in densely populated areas have to deal with traffic congestion and higher rates of accident claims. Fewer drivers and short commutes means reduced accidents as well as less vandalism and auto theft.

Be proud to be claim-free - If you tend to file frequent claims, don't be surprised to see either policy cancellation or increased premiums. Companies in Florida give better rates to drivers who file claims infrequently. Auto insurance is designed for the large, substantial claims.

Pay more for higher performance vehicles - The performance of the car or truck you need to insure makes a significant difference in determining your rates. Because the Honda Civic falls in the passenger car class, insurance will be similar in price or lower than the average rate where you live in Miami. Small economy passenger vehicles usually have the lowest premiums, but the cost you end up paying is determined by many additional factors.

Honda Civic insurance loss probability - Insurance companies factor in insurance loss information when they file their rates in each state. Vehicles that tend to have increased claim numbers or amounts will have increased rates. The information below illustrates the loss history for Honda Civic vehicles.

For each coverage type, the claim probability for all vehicles, regardless of make, model or trim level, is considered to be 100. Values below 100 suggest losses that are better than average, while numbers above 100 point to more frequent losses or a tendancy for claims to be larger.

Auto Insurance Loss Data for Honda Civic Models

Vehicle 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
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Auto insurance quotes and discounts

Insuring your vehicles can cost a lot, but you can get discounts that you may not know about. A few discounts will be applied when you quote, but a few must be specifically requested prior to receiving the credit. If you don't get every credit possible, you are paying more than you should be.Cheaper auto insurance with discounts

Consumers should know that some of the credits will not apply the the whole policy. Most cut specific coverage prices like collision or personal injury protection. Even though it appears adding up those discounts means a free policy, you won't be that lucky.

Popular auto insurance companies and their offered discounts are detailed below.

If you want affordable Miami auto insurance quotes, ask all companies you are considering which discounts can lower your rates. Some of the discounts discussed earlier might not apply in every state.

Car insurance agents can find coverage gaps

A lot of people prefer to go talk to an agent and that is a smart decision A nice benefit of getting free rate quotes online is the fact that drivers can get better rates and still have a local agent.

Find insurance agent in MiamiAfter completing this quick form, your insurance coverage information is instantly submitted to companies in Miami that can give you free Miami auto insurance quotes and help you find cheaper coverage. You won't need to do any legwork as quotes are delivered instantly to you. You can get cheaper auto insurance rates without having to waste a lot of time. In the event you want to get a comparison quote from a specific auto insurance provider, you would need to navigate to their website and give them your coverage information.

Picking an insurance company is decision based upon more than just the premium amount. The questions below may impact your decision as well.

Miami car insurance agents come in two flavors

When searching for a reliable insurance agent, there are a couple of different types of agencies to choose from. Auto insurance agents in Miami are considered either exclusive or independent agents depending on their company appointments.

Exclusive Agencies

These type of agents write business for a single company and examples are Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot provide rate quotes from other companies so if the price isn't competitive there isn't much they can do. Exclusive agents receive extensive training on their company's products which helps them sell on service rather than price. Some consumers prefer to purchase coverage from exclusives primarily because of the prominent brand name and solid financial strength.

Below is a short list of exclusive agents in Miami who can help you get rate quotes.

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Independent Agents (or Brokers)

Independent insurance agents are not restricted to one company so they can insure your vehicles through many companies and get the cheapest rates. To move your coverage to a new company, they simply switch companies in-house and you can keep the same agent.

When comparing rates, you absolutely need to contact several independent insurance agents to ensure the widest selection of prices. Most can insure with companies that do not advertise much that may provide cheaper auto insurance rates.

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

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What is YOUR best insurance company?

Consumers who switch companies do it for a number of reasons such as poor customer service, not issuing a premium refund, delays in paying claims and even policy non-renewal. Regardless of your reason, finding a new car insurance company is pretty simple and you could end up saving a buck or two.

Cost effective Honda Civic insurance is definitely available on the web in addition to many Miami insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance companies may not offer rates over the internet and most of the time these smaller companies provide coverage only through independent agents.

As you quote Miami auto insurance, never skimp on coverage in order to save money. There are many occasions where an insured dropped uninsured motorist or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at the best price while still protecting your assets.

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