Affordable Honda Civic Insurance in Charlotte

We don’t have to point out that fact that auto insurance companies don’t want you to look for cheaper rates. Drivers who shop around for the cheapest price are highly likely to buy a new policy because there is a good chance of getting low-cost coverage. A survey found that consumers who shopped around saved about $3,400 over four years compared to people who never compared other company’s rates.

If finding the cheapest price for car insurance is your objective, understanding the best way to compare insurance can make it easier to find better rates.

Insurance quote for Honda Civic in CharlotteThe best way we recommend to find cheaper prices for auto insurance rates is to compare quotes once a year from insurers who sell auto insurance in Charlotte.

One thing to point out is that you’ll want to make sure you compare the same level of coverage on each quote and and to get prices from as many companies as possible. This guarantees an accurate price comparison and a thorough selection of prices.

Lower rates by qualifying for discounts

Some insurance providers don’t necessarily list the entire discount list very well, so the next list breaks down a few of the more common and also the more inconspicuous credits available to bring down your rates. If you do not double check each discount available, you are not getting the best rate possible.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. A few only apply to individual premiums such as comp or med pay. So even though you would think having all the discounts means you get insurance for free, companies don’t profit that way.

The example below visualizes the comparison of Honda Civic annual premium costs with and without discounts being applied to the rates. Data assumes a female driver, no claims or driving citations, North Carolina 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 multi-car, homeowner, marriage, safe-driver, claim-free, and multi-policy discounts applied.

Some of the larger companies who may offer most of the discounts above include:

When quoting, ask each insurance company which credits you are entitled to. Some credits might not be offered on policies in every state. To see providers that can offer you the previously mentioned discounts in North Carolina, click here.

How to get Charlotte Honda Civic insurance price quotes

The companies shown below offer free quotes in North Carolina. To find cheap car insurance in Charlotte, it’s highly recommended you click on several of them in order to get a fair rate comparison.

Coverage statistics and figures

The premium information shown next highlights estimates of coverage costs for Honda Civic models. Being more informed about how premiums are figured can help drivers make smart policy decisions.

Honda Civic Insurance Rates in Charlotte, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $114 $250 $336 $20 $100 $820 $68
Civic VP 4-Dr Sedan $114 $296 $336 $20 $100 $866 $72
Civic LX 4-Dr Sedan $114 $296 $336 $20 $100 $866 $72
Civic DX 2-Dr Coupe $114 $296 $420 $24 $126 $980 $82
Civic EX 4-Dr Sedan $114 $296 $336 $20 $100 $866 $72
Civic LX-S 4-Dr Sedan $114 $296 $336 $20 $100 $866 $72
Civic LX 2-Dr Coupe $114 $340 $420 $24 $126 $1,024 $85
Civic EX-L 4-Dr Sedan $132 $340 $336 $20 $100 $928 $77
Civic SI 4-Dr Sedan $132 $340 $336 $20 $100 $928 $77
Civic EX 2-Dr Coupe $132 $340 $420 $24 $126 $1,042 $87
Civic GX 4-Dr Sedan $132 $340 $336 $20 $100 $928 $77
Civic EX-L 2-Dr Coupe $132 $340 $420 $24 $126 $1,042 $87
Civic Hybrid 4-Dr Sedan $148 $296 $336 $20 $100 $900 $75
Civic SI 2-Dr Coupe $148 $384 $420 $24 $126 $1,102 $92
Get Your Own Custom Quote Go

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in specific location information which can lower or raise premiums greatly.

Full coverage or liability only

The illustration below illustrates the comparison of Honda Civic premium costs with full coverage compared to only the North Carolina minimum liability coverage. Data assumes no accidents or driving violations, $250 deductibles, single status, and no discounts are factored in.

When to drop comprehensive and collision

There is no clear-cut formula of when to eliminate comp and collision coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Honda Civic replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $6,000 after paying the physical damage deductible. If premium cost is more than $600 annually for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are some circumstances where eliminating full coverage is not a good plan. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not eliminate full coverage.

Why Your Insurance Rates might be higher

Part of the insurance buying process is learning a few of the rating criteria that go into determining insurance rates. When you understand what positively or negatively impacts your premiums, this helps enable you to make changes that could help you find better insurance rates. Lots of factors are used when quoting car insurance. Some are pretty understandable like your driving record, but some are less obvious such as your marital status and annual miles driven.

Listed below are some of the most rate-impacting factors utilized by car insurance companies to help set your rate level.

Situations that may require an agent’s advice

When it comes to the best car insurance coverage for your vehicles, there is no one-size-fits-all type of policy. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions could help you determine if you could use an agent’s help.

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It is quick, free and may give you better protection.

Insurance agent or online?

A small number of people just want to go talk to an agent and that is just fine! Agents can help determine the best coverages and help file insurance claims. An additional benefit of price shopping on the web is that you can obtain the best rates and still buy from a local agent. Buying insurance from neighborhood agents is important especially in Charlotte.

Insurance agents in CharlotteUpon completion of this quick form, your coverage information is instantly submitted to insurance agents in Charlotte that can provide free Charlotte car insurance quotes for your car insurance coverage. It simplifies rate comparisons since you won’t have to contact an agency since price quotes are sent to you. In the event you want to compare prices for a specific company, feel free to jump over to their website and submit a quote form there.

If you would like to find a local Charlotte insurance agency, it can be helpful to understand the types of insurance agents that you can select. Car insurance policy providers can be described as either independent agents or exclusive agents depending on their employer. Both insure your vehicles, but it is important to understand the difference between them since it can impact the kind of agent you use.

Independent Agents (or Brokers)

Independent agencies do not write with just one company and that enables them to quote your coverage through lots of different companies and possibly get better coverage at lower prices. If they quote lower rates, your agent can just switch to a different company and you can keep the same agent.

If you need lower rates, you absolutely need to compare prices from several independent agencies so that you have a good selection of quotes to compare.

Featured below is a list of independent agents in Charlotte that may be able to give you comparison quotes.

5534 Albemarle Rd Ste 105Charlotte, NC 28212(704) 563-7777View Map

2300 Sardis Rd N aCharlotte, NC 28227(704) 248-8000View Map

6401 Carmel Rd Ste 208Charlotte, NC 28226(704) 541-8660View Map

More Charlotte agents

Exclusive Agents

Agents in the exclusive channel can only quote rates from one company and examples are State Farm, Allstate, or Farmers Insurance. They usually cannot provide other company’s prices so you might not find the best rates. Exclusive insurance agents are usually quite knowledgeable on their company’s products which helps overcome the inability to quote other rates.

Below is a list of exclusive agents in Charlotte who can help you get comparison quotes.

6853 Fairview Rd cCharlotte, NC 28210(704) 366-7779View Map

601 S Kings Dr, Ste FFCharlotte, NC 28204(704) 376-3479View Map

7725 Matthews-Mint Hill RoadCharlotte, NC 28227(704) 545-9111View Map

More Charlotte agents

Selecting a car insurance agent should depend on more than just the price. Here are some questions to ask:

Why do I need car insurance?

Despite the high cost of buying insurance for a Honda Civic in Charlotte, insuring your vehicle may not be optional for several reasons.

The benefits of buying auto insurance outweigh the cost, especially if you ever need it. But the average American driver is overpaying more than $810 a year so you should quote your policy with other companies at least once a year to save money.

Cheap car insurance premiums are possible

Cheaper Honda Civic insurance in Charlotte can be bought on the web in addition to many Charlotte insurance agents, so you need to quote Charlotte car insurance with both to have the best selection. There are still a few companies who do not provide online rate quotes and most of the time these regional carriers only sell through independent agencies.

We just covered a lot of techniques to reduce Honda Civic insurance rates online in Charlotte. It’s most important to understand that the more providers you compare, the higher your chance of finding the cheapest Honda Civic rate quotes. Consumers could even find that the best rates are with some of the lesser-known companies. They can often insure niche markets at a lower cost compared to the large companies like Progressive or GEICO.

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