Want to know an easy way to compare more competitive Honda Civic insurance in Greensboro? I really doubt anyone looks forward to buying insurance, in particular when they are paying too much.
It’s well known that auto insurance companies don’t want you to look at other companies. People who get price comparisons are inclined to switch to a new company because there is a high probability of finding a more affordable policy. A recent study showed that consumers who routinely shopped around saved over $860 a year as compared to drivers who never shopped around for cheaper prices.
If finding budget-friendly auto insurance in Greensboro is your ultimate objective, then having some insight into how to shop for insurance can make the process more efficient.
Steps to finding affordable Honda Civic insurance in Greensboro
Truthfully, the best way to find low-cost prices for Honda Civic insurance is to start doing a yearly price comparison from insurers in Greensboro.
- Step 1: Try to comprehend coverages and the modifications you can make to prevent expensive coverage. Many things that drive up the price such as at-fault accidents and a lousy credit rating can be amended by paying attention to minor details.
- Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like Progressive or Farmers Insurance, while independent agents can quote rates for many different companies.
- Step 3: Compare the quotes to your current policy premium to determine if you can save on Civic insurance in Greensboro. If you find a better price and make a switch, make sure there is no lapse in coverage.
One important bit of advice is that you’ll want to make sure you compare the same level of coverage on each quote and and to compare as many car insurance companies as possible. This ensures the most accurate price comparison and the best rate selection.
Big-name insurance companies like GEICO, Progressive and Allstate all claim big savings, bombarding you with TV and radio ads and it is challenging if not impossible to sift through the bull and find the best price available.
It’s a good habit to get comparison quotes before your next renewal because insurance rates are constantly changing. If you had the lowest rate on Honda Civic insurance in Greensboro on your last policy other companies may now be cheaper. Block out anything you think you know about insurance because you’re about to learn the things you must know in order to find great coverage at a great price.
If you already have coverage or just want cheaper coverage, use these tips to shop for the lowest rates without reducing coverage. Locating the most cost-effective insurance policy in Greensboro is actually quite simple. Drivers just need to use the proper way to compare rate quotes using one simple form.
Discounts mean cheaper rates for Honda Civic insurance in Greensboro
Some providers don’t always publicize all their discounts in a way that’s easy to find, so here is a list a few of the more well known and also the lesser-known credits that you can use to lower your rates.
- College Student Discount – Kids who are enrolled in higher education away from home and leave their car at home may be able to be covered for less.
- Good Student – This discount may save as much as 25% on a Greensboro car insurance quote. You can use this discount normally up to age 25.
- Accident Forgiveness – Not really a discount, but a handful of insurance companies allow you one accident before your rates go up so long as you haven’t had any claims before the accident.
- Active Service Discounts – Being deployed with a military unit could trigger a small discount.
- Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts could cut 10% or more on the premium charged for medical payments and/or PIP.
As is typical with insurance, most of the big mark downs will not be given to the whole policy. Most cut specific coverage prices like physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.
The diagram below illustrates the comparison of Honda Civic insurance costs with and without some available policy discounts. The price estimates are based on a female driver, a clean driving record, no at-fault accidents, North Carolina state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, marriage, safe-driver, multi-car, and multi-policy discounts applied.
Some companies that may include these benefits are:
It’s a good idea to ask each company to apply every possible discount. Some credits might not be offered everywhere. If you would like to view car insurance companies offering car insurance discounts in North Carolina, click this link.
Getting low cost Honda Civic insurance pricing is actually quite simple. The only requirement is to take time to compare rates online from several insurance companies.
Doing price comparisons online is so simple that it takes the place of having to drive to all the different Greensboro insurance agencies. The ability to get quotes online can eliminate the need for a local agent unless you have a complicated situation and need the trained advice only provided by licensed Greensboro agents. It is possible to get the lowest quotes online but buy the policy through an agent.
The following companies are our best choices to provide free quotes in North Carolina. To buy cheap auto insurance in Greensboro, NC, it’s a good idea that you compare several of them in order to find the cheapest rates.
Car insurance analysis for a Honda Civic
The coverage table shown next showcases estimates of insurance rates for Honda Civic models. Having a good grasp of how policy premiums are determined is important for you to make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $144 | $318 | $262 | $16 | $78 | $818 | $68 |
| Civic VP 4-Dr Sedan | $144 | $374 | $262 | $16 | $78 | $874 | $73 |
| Civic LX 4-Dr Sedan | $144 | $374 | $262 | $16 | $78 | $874 | $73 |
| Civic DX 2-Dr Coupe | $144 | $374 | $326 | $20 | $98 | $962 | $80 |
| Civic EX 4-Dr Sedan | $144 | $374 | $262 | $16 | $78 | $874 | $73 |
| Civic LX-S 4-Dr Sedan | $144 | $374 | $262 | $16 | $78 | $874 | $73 |
| Civic LX 2-Dr Coupe | $144 | $432 | $326 | $20 | $98 | $1,020 | $85 |
| Civic EX-L 4-Dr Sedan | $166 | $432 | $262 | $16 | $78 | $954 | $80 |
| Civic SI 4-Dr Sedan | $166 | $432 | $262 | $16 | $78 | $954 | $80 |
| Civic EX 2-Dr Coupe | $166 | $432 | $326 | $20 | $98 | $1,042 | $87 |
| Civic GX 4-Dr Sedan | $166 | $432 | $262 | $16 | $78 | $954 | $80 |
| Civic EX-L 2-Dr Coupe | $166 | $432 | $326 | $20 | $98 | $1,042 | $87 |
| Civic Hybrid 4-Dr Sedan | $186 | $374 | $262 | $16 | $78 | $916 | $76 |
| Civic SI 2-Dr Coupe | $186 | $488 | $326 | $20 | $98 | $1,118 | $93 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in Greensboro location which can decrease or increase premiums greatly.
Should you raise deductibles?
When shopping for car insurance, a common question is what deductibles to buy. The rates below help summarize how much more rates are between low and high comp and collision deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $168 | $324 | $250 | $14 | $74 | $855 | $71 |
| Civic VP 4-Dr Sedan | $168 | $382 | $250 | $14 | $74 | $913 | $76 |
| Civic LX 4-Dr Sedan | $168 | $382 | $250 | $14 | $74 | $913 | $76 |
| Civic DX 2-Dr Coupe | $168 | $382 | $312 | $18 | $94 | $999 | $83 |
| Civic EX 4-Dr Sedan | $168 | $382 | $250 | $14 | $74 | $913 | $76 |
| Civic LX-S 4-Dr Sedan | $168 | $382 | $250 | $14 | $74 | $913 | $76 |
| Civic LX 2-Dr Coupe | $168 | $440 | $312 | $18 | $94 | $1,057 | $88 |
| Civic EX-L 4-Dr Sedan | $192 | $440 | $250 | $14 | $74 | $995 | $83 |
| Civic SI 4-Dr Sedan | $192 | $440 | $250 | $14 | $74 | $995 | $83 |
| Civic EX 2-Dr Coupe | $192 | $440 | $312 | $18 | $94 | $1,081 | $90 |
| Civic GX 4-Dr Sedan | $192 | $440 | $250 | $14 | $74 | $995 | $83 |
| Civic EX-L 2-Dr Coupe | $192 | $440 | $312 | $18 | $94 | $1,081 | $90 |
| Civic Hybrid 4-Dr Sedan | $218 | $382 | $250 | $14 | $74 | $963 | $80 |
| Civic SI 2-Dr Coupe | $218 | $498 | $312 | $18 | $94 | $1,165 | $97 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $104 | $204 | $250 | $14 | $74 | $646 | $54 |
| Civic VP 4-Dr Sedan | $104 | $240 | $250 | $14 | $74 | $682 | $57 |
| Civic LX 4-Dr Sedan | $104 | $240 | $250 | $14 | $74 | $682 | $57 |
| Civic DX 2-Dr Coupe | $104 | $240 | $312 | $18 | $94 | $768 | $64 |
| Civic EX 4-Dr Sedan | $104 | $240 | $250 | $14 | $74 | $682 | $57 |
| Civic LX-S 4-Dr Sedan | $104 | $240 | $250 | $14 | $74 | $682 | $57 |
| Civic LX 2-Dr Coupe | $104 | $276 | $312 | $18 | $94 | $804 | $67 |
| Civic EX-L 4-Dr Sedan | $118 | $276 | $250 | $14 | $74 | $732 | $61 |
| Civic SI 4-Dr Sedan | $118 | $276 | $250 | $14 | $74 | $732 | $61 |
| Civic EX 2-Dr Coupe | $118 | $276 | $312 | $18 | $94 | $818 | $68 |
| Civic GX 4-Dr Sedan | $118 | $276 | $250 | $14 | $74 | $732 | $61 |
| Civic EX-L 2-Dr Coupe | $118 | $276 | $312 | $18 | $94 | $818 | $68 |
| Civic Hybrid 4-Dr Sedan | $134 | $240 | $250 | $14 | $74 | $712 | $59 |
| Civic SI 2-Dr Coupe | $134 | $314 | $312 | $18 | $94 | $872 | $73 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Price information does not factor in specific location information which can increase or decrease premium rates greatly.
Based on these figures, using a $250 deductible costs roughly $20 more each month or $240 each year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you have at least 38 months between claim filings, you would probably come out ahead if you choose a higher deductible.
The illustration below highlights how deductible choice and can affect Honda Civic insurance costs for each different age category. The rates are based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.
Honda Civic liability-only versus full coverage
The diagram below compares Honda Civic insurance rates with liability coverage only compared to full coverage. The premiums assume no accidents or driving violations, $500 deductibles, single status, and no discounts are applied to the premium.
When to stop buying physical damage coverage
There is no specific rule of when to eliminate comp and collision coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your Honda Civic settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $6,000 after paying the physical damage deductible. If you are currently paying more than $600 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are some conditions where eliminating full coverage is not a good plan. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should keep full coverage.
Car insurance agents are professional risk managers
A small number of people would rather sit down and talk to an agent and that is not a bad decision Professional agents can point out coverage gaps and help file insurance claims. One of the great benefits of comparing insurance prices online is that you can find cheap rate quotes and still choose a local agent. And buying from small agencies is important especially in Greensboro.
To make it easy to find an agent, after completing this form (opens in new window), your insurance data is sent to agents in your area who will gladly provide quotes for your coverage. It’s much easier because you don’t need to leave your computer as quotes are delivered to you instantly. If you need to get a price quote from a specific insurance company, don’t hesitate to go to their quote page to submit a rate quote request.
Types of car insurance agents
If you are wanting to purchase insurance from a good Greensboro insurance agent, you should know the different agency structures and how they can quote your rates. Insurance agencies are classified as either exclusive or independent. Both types can provide insurance policies, but it’s important to point out the difference between them because it can influence your agent selection.
Independent Insurance Agents
Independent agencies are not restricted to one company and that gives them the ability to insure through many companies depending on which coverage is best. If they find a cheaper price, they simply move the coverage in-house and you won’t have to switch agencies. If you are comparing insurance prices, you will want to get quotes from at a minimum one independent agency to maximize your price options.
Below is a short list of independent insurance agencies in Greensboro that may be able to provide free rate quotes.
The Beacon Insurance Group
1515 W Cornwallis Dr Suite 206 – Greensboro, NC 27408 – (336) 378-0740 – View Map
Nationwide Insurance: Joe Fowler
408 Wendover Ave E – Greensboro, NC 27401 – (336) 299-7447 – View Map
ALLCHOICE Insurance
7 Corporate Center Ct – Greensboro, NC 27408 – (336) 540-0463 – View Map
Exclusive Agents
Agents that choose to be exclusive can usually just insure with one company and some examples include State Farm, AAA, and Liberty Mutual. They usually cannot place coverage with different providers so you need to shop around if the rates are high. Exclusive agents are highly trained on sales techniques which helps them sell on service rather than price.
Listed below are exclusive agents in Greensboro that can give you rate quotes.
Adam Lemmert – State Farm Insurance Agent
3711 Elmsley St #106 – Greensboro, NC 27406 – (336) 482-2200 – View Map
Allstate Insurance: Brad Williams
4125 Walker Ave C – Greensboro, NC 27407 – (336) 852-2627 – View Map
Jim Degraphenreid – State Farm Insurance Agent
4218 Hilltop Rd – Greensboro, NC 27407 – (336) 854-1737 – View Map
Selecting an car insurance agent shouldn’t rely on just the price. These are some questions your agent should answer.
- How many years of experience in personal auto insurance do they have?
- Which members of your family are coverage by the policy?
- Do the coverages you’re quoting properly cover your vehicle?
- Does the quote include credit and driving reports?
- Does the agent have a valid license to sell insurance in North Carolina?
- Do they specialize in personal lines auto insurance in Greensboro?
- Where would your vehicle be repaired?
Cover all your bases
Some insurance providers don’t offer online rate quotes and usually these regional carriers provide coverage only through independent agents. More affordable insurance in Greensboro can be bought both online and from local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from.
Throughout this article, we presented a lot of techniques to save on Honda Civic insurance in Greensboro. The key concept to understand is the more quotes you get, the better likelihood of getting the cheapest Honda Civic rate quotes. You may even be surprised to find that the lowest car insurance rates are with the smaller companies. These smaller insurers may often insure only within specific states and give better rates compared to the large companies like State Farm or Progressive.
How to find cheaper rates for Honda Civic insurance in Greensboro
If you want to save the most money, the best way to find better pricing on Honda Civic insurance in Greensboro is to make a habit of regularly comparing prices from insurance carriers who provide car insurance in North Carolina. You can compare rates by following these guidelines.
- Spend a few minutes and learn about individual coverages and the changes you can make to lower rates. Many rating factors that cause high rates such as speeding tickets, accidents and a not-so-good credit rating can be eliminated by being financially responsible and driving safely.
- Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from one company like GEICO and State Farm, while agents who are independent can provide price quotes for many different companies.
- Compare the new rate quotes to the price on your current policy to see if you can save by switching companies. If you find better rates and change companies, verify that coverage does not lapse between policies.
- Tell your current agent or company of your decision to cancel your current coverage and submit the signed application along with the required initial payment to your new agent or company. When you receive it, place the new certificate verifying coverage along with your vehicle registration.
The key thing to know about shopping around is to try to compare similar limits and deductibles on each price quote and and to get rate quotes from as many different companies as possible. Doing this helps ensure an apples-to-apples comparison and the best rate selection.
Helpful learning opportunities
- Auto Insurance Learning Center (State Farm)
- Who Has the Cheapest Auto Insurance Rates for a Hyundai Elantra in Greensboro? (FAQ)
- What Insurance is Cheapest for a Honda Civic in Greensboro? (FAQ)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Determining Auto Insurance Rates (GEICO)
- Tread Depth and Tire Safety (State Farm)