Insurance for Honda CivicHave you fallen victim to an expensive car insurance policy? Say no more because many Fort Wayne drivers feel the same as you.

A recent study showed that a large majority of consumers have purchased from the same company for more than four years, and 38% of drivers have never compared rates from other carriers. Many consumers in the U.S. could save an average of roughly $859 each year by just comparing quotes, but they just don't understand the big savings they would realize if they switch to a new company.

People have many insurers to purchase coverage from, and although it's a good thing to have a choice, it makes it harder to compare company pricing for Honda Civic insurance in Fort Wayne.

Consumers should take time to check car insurance prices periodically because car insurance prices change regularly. Just because you had the best price on Honda Civic insurance in Fort Wayne a year ago you can probably find a better rate now. There are lots of tips to save on Civic insurance online but we're going to give you a bunch of ideas how to lower your car insurance rates in Fort Wayne.

Shopping for more affordable insurance in Fort Wayne is simple if you know the tricks. Just about every driver who compares rate quotes for insurance will probably find a cheaper policy. But Indiana drivers do need to know how insurance companies price online insurance and use it to find better rates.

Verify you're applying every discount

Companies that sell car insurance don't list every disount available very clearly, so the following list contains some of the more common and the harder-to-find ways to save on insurance.

Just know that many deductions do not apply to the entire policy premium. Most only cut specific coverage prices like medical payments or collision. Just because it seems like you could get a free insurance policy, companies wouldn't make money that way. Any qualifying discounts will reduce the premium cost.

Companies and a partial list of their discounts are:

When getting a coverage quote, ask each company which credits you are entitled to. Some of the discounts discussed earlier may not apply to policies in Fort Wayne.

Cheap Fort Wayne Honda Civic insurance rate quotes online

All major insurance companies like State Farm, Allstate and GEICO provide insurance quotes directly from their websites. Getting online rates for Honda Civic insurance in Fort Wayne is quite simple as all you need to do is type in your coverage preferences as requested by the quote form. When complete, the quote system obtains information on your driving record and credit history and returns a price quote based on many factors. The ability to get online rate quotes for Honda Civic insurance in Fort Wayne simplifies rate comparisons, and it is imperative to have as many quotes as possible if you want to get the most affordable insurance rates.

To fill out one form to compare multiple rates now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have a policy now, it's recommended that you enter the coverages exactly as they are listed on your policy. This way, you will receive a price comparison using the exact same coverages.

The car insurance companies shown below have been selected to offer free quotes in Indiana. If multiple companies are shown, it's a good idea that you get rates from several of them in order to get a fair rate comparison.

Honda Civic Insurance Price Estimates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $202 $494 $364 $22 $110 $1,192 $99
Civic VP 4-Dr Sedan $134 $270 $368 $22 $110 $904 $75
Civic LX 4-Dr Sedan $92 $230 $270 $16 $80 $688 $57
Civic DX 2-Dr Coupe $170 $428 $474 $28 $142 $1,242 $104
Civic EX 4-Dr Sedan $132 $340 $318 $18 $94 $902 $75
Civic LX-S 4-Dr Sedan $162 $444 $318 $18 $94 $1,036 $86
Civic LX 2-Dr Coupe $186 $570 $424 $26 $128 $1,334 $111
Civic EX-L 4-Dr Sedan $116 $306 $294 $18 $88 $822 $69
Civic SI 4-Dr Sedan $186 $492 $264 $16 $80 $1,038 $87
Civic EX 2-Dr Coupe $234 $580 $358 $22 $108 $1,302 $109
Civic GX 4-Dr Sedan $208 $580 $318 $18 $94 $1,218 $102
Civic EX-L 2-Dr Coupe $186 $510 $396 $24 $118 $1,234 $103
Civic Hybrid 4-Dr Sedan $182 $320 $290 $18 $86 $896 $75
Civic SI 2-Dr Coupe $220 $556 $474 $28 $142 $1,420 $118
Get Your Own Custom Quote Go

Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in vehicle location which can influence premiums considerably.

Honda Civic insurance rates by age and gender

The information below illustrates the comparison of Honda Civic insurance costs for male and female drivers. Data assumes no claims or driving violations, full coverage, $500 deductibles, drivers are not married, and no discounts are applied.

Policy deductibles

When shopping for car insurance, a common question is what deductibles to buy. The figures shown below may help you to understand the differences in price between high and low coverage deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second pricing table uses a $500 deductible.

Honda Civic insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $188 $366 $280 $16 $84 $959 $80
Civic VP 4-Dr Sedan $188 $430 $280 $16 $84 $1,023 $85
Civic LX 4-Dr Sedan $188 $430 $280 $16 $84 $1,023 $85
Civic DX 2-Dr Coupe $188 $430 $350 $20 $106 $1,119 $93
Civic EX 4-Dr Sedan $188 $430 $280 $16 $84 $1,023 $85
Civic LX-S 4-Dr Sedan $188 $430 $280 $16 $84 $1,023 $85
Civic LX 2-Dr Coupe $188 $496 $350 $20 $106 $1,185 $99
Civic EX-L 4-Dr Sedan $216 $496 $280 $16 $84 $1,117 $93
Civic SI 4-Dr Sedan $216 $496 $280 $16 $84 $1,117 $93
Civic EX 2-Dr Coupe $216 $496 $350 $20 $106 $1,213 $101
Civic GX 4-Dr Sedan $216 $496 $280 $16 $84 $1,117 $93
Civic EX-L 2-Dr Coupe $216 $496 $350 $20 $106 $1,213 $101
Civic Hybrid 4-Dr Sedan $244 $430 $280 $16 $84 $1,079 $90
Civic SI 2-Dr Coupe $244 $562 $350 $20 $106 $1,307 $109
Get Your Own Custom Quote Go
Honda Civic insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $154 $294 $280 $16 $84 $828 $69
Civic VP 4-Dr Sedan $154 $348 $280 $16 $84 $882 $74
Civic LX 4-Dr Sedan $154 $348 $280 $16 $84 $882 $74
Civic DX 2-Dr Coupe $154 $348 $350 $20 $106 $978 $82
Civic EX 4-Dr Sedan $154 $348 $280 $16 $84 $882 $74
Civic LX-S 4-Dr Sedan $154 $348 $280 $16 $84 $882 $74
Civic LX 2-Dr Coupe $154 $400 $350 $20 $106 $1,030 $86
Civic EX-L 4-Dr Sedan $176 $400 $280 $16 $84 $956 $80
Civic SI 4-Dr Sedan $176 $400 $280 $16 $84 $956 $80
Civic EX 2-Dr Coupe $176 $400 $350 $20 $106 $1,052 $88
Civic GX 4-Dr Sedan $176 $400 $280 $16 $84 $956 $80
Civic EX-L 2-Dr Coupe $176 $400 $350 $20 $106 $1,052 $88
Civic Hybrid 4-Dr Sedan $200 $348 $280 $16 $84 $928 $77
Civic SI 2-Dr Coupe $200 $452 $350 $20 $106 $1,128 $94
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Prices do not factor in specific Fort Wayne garaging location which can influence rates noticeably.

Based on the data above, we can derive that using a $250 deductible will cost you roughly $12 more each month or $144 each year than choosing the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 21 months between claims, you would most likely save money if you choose a higher deductible.

Don't assume everyone needs the same auto insurance coverage

Keep in mind that when it comes to choosing adequate coverage, there really is not a perfect coverage plan. Everyone's situation is a little different.

For example, these questions may help highlight if your situation could use an agent's help.

If you can't answer these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, complete this form.

Auto insurance quotes from local neighborhood Fort Wayne car insurance agents

Some people just prefer to buy from a licensed agent. The biggest benefit of comparing rate quotes online is that you can obtain cheap auto insurance quotes but still work with a licensed agent. Buying insurance from local insurance agents is definitely important in Fort Wayne.

Insurance agency in Fort WayneOnce you complete this short form, your insurance data is sent to insurance agents in Fort Wayne that provide free Fort Wayne auto insurance quotes for your coverage. There is no reason to drive around because quoted prices will be sent directly to you. You'll get the best rates without requiring a lot of work. If you need to quote rates from a particular provider, just find their quoting web page and fill out their quote form.

Picking an company is decision based upon more than just the premium amount. Any agent in Fort Wayne should be willing to answer these questions.

Choosing the best Civic insurance in Indiana is an important decision

Despite the high cost of buying insurance for a Honda Civic in Fort Wayne, insurance serves a purpose in several ways.

First, just about all states have minimum mandated liability insurance limits which means you are required to carry specific limits of liability insurance coverage if you drive a vehicle. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a loan on your car, most lenders will force you to carry insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Honda at a much higher premium rate and require you to fork over the higher price.

Third, insurance protects both your car and your assets. It will also provide coverage for most medical and hospital costs that are the result of an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit in the event you are sued. If damage is caused by hail or an accident, comprehensive and/or collision insurance will cover the repair costs.

The benefits of buying car insurance definitely exceed the cost, particularly when you have a large claim. Unknowingly, the average driver overpays more than $850 per year so you should quote your policy with other companies once a year at a minimum to ensure rates are inline.

Car insurance coverages explained

Having a good grasp of a car insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as hitting a mailbox, rolling your car, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to bump up the deductible on your Civic in order to get cheaper collision rates.

Comprehensive auto coverage

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like theft, a tree branch falling on your vehicle and falling objects. The maximum payout your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like prosthetic devices, ambulance fees, X-ray expenses, chiropractic care and surgery. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Liability auto insurance

Liability insurance protects you from damage that occurs to people or other property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/10 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like emergency aid, repair bills for other people's vehicles, attorney fees and legal defense fees. How much coverage you buy is your choice, but it's cheap coverage so purchase higher limits if possible. Indiana requires minimum liability limits of 25/50/10 but drivers should carry better liability coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Honda Civic.

Because many people only carry the minimum required liability limits (which is 25/50/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages are identical to your policy's liability coverage.

Shop around and save

When shopping online for auto insurance, it's very important that you do not buy poor coverage just to save money. In many cases, an insured cut uninsured motorist or liability limits only to find out that the savings was not a smart move. Your goal is to find the BEST coverage at the lowest possible cost, but don't skip important coverages to save money.

Cost effective Honda Civic insurance is definitely available both online and from local insurance agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who do not offer price quotes online and usually these smaller providers prefer to sell through independent insurance agencies.

Throughout this article, we presented some good ideas how to find cheap Honda Civic insurance in Fort Wayne. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the lowest priced auto insurance comes from the least-expected company.

Additional detailed information can be read in the articles below: