Cheap Tampa Honda Civic Insurance

It goes without saying that auto insurance companies don’t want you to look for a cheaper policy. Insureds who shop around once a year are very likely to switch to a new company because of the high probability of finding a policy with more affordable rates. A recent insurance study discovered that consumers who shopped around saved about $860 a year compared to other drivers who never shopped around for cheaper prices.

If finding discount rates on insurance in Tampa is why you’re reading this, understanding how to get rate quotes and compare insurance rates can help make the process easier.

Discount Honda Civic insuranceThe most effective way to get more affordable Honda Civic insurance in Tampa is to compare quotes annually from insurers in Florida. Price quotes can be compared by completing these steps.

  1. Spend a few minutes and learn about what is in your policy and the measures you can control to prevent rate increases. Many factors that are responsible for high rates such as traffic violations and a poor credit rating can be amended by improving your driving habits or financial responsibility.
  2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO or State Farm, while independent agents can provide prices from multiple insurance companies. View rates
  3. Compare the quotes to your current policy and see if you can save money. If you find better rates and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Give notification to your current company of your intention to cancel your current auto insurance policy and submit the signed application along with the required initial payment to the new insurer. Once coverage is bound, place the new certificate verifying coverage in an accessible location in your vehicle.

A key point to remember is to use identical coverages on each quote and and to get rate quotes from as many different companies as possible. This provides the most accurate price comparison and a complete price analysis.

Smart Consumers Can Lower Their Insurance Premiums

Many factors are part of the calculation when you quote your car insurance policy. Some are obvious like your driving record, but other criteria are more obscure such as your marital status and annual miles driven.

The easiest way to compare rates for Honda Civic insurance in Tampa is to understand most of the bigger providers participate in online systems to provide you with free rate quotes. All you need to do is provide a small amount of information like if you have an active license, daily mileage, how you use your vehicles, and your general credit rating. Your rating data is instantly submitted to many highly-rated insurers and they respond with quotes with very little delay.

To start a quote now, click here and complete the form.

The auto insurance companies shown below provide free rate quotes in Tampa, FL. To get cheap auto insurance in Florida, we suggest you get rate quotes from several of them in order to get a fair rate comparison.

Coverage information

The table displayed below showcases a range of insurance premium costs for Honda Civic models. Having a better understanding of how insurance policy premiums are calculated is important for you to make decisions on which coverage to buy.

Honda Civic Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $268 $636 $438 $26 $132 $1,500 $125
Civic VP 4-Dr Sedan $268 $748 $438 $26 $132 $1,612 $134
Civic LX 4-Dr Sedan $268 $748 $438 $26 $132 $1,612 $134
Civic DX 2-Dr Coupe $268 $748 $548 $32 $164 $1,760 $147
Civic EX 4-Dr Sedan $268 $748 $438 $26 $132 $1,612 $134
Civic LX-S 4-Dr Sedan $268 $748 $438 $26 $132 $1,612 $134
Civic LX 2-Dr Coupe $268 $862 $548 $32 $164 $1,874 $156
Civic EX-L 4-Dr Sedan $308 $862 $438 $26 $132 $1,766 $147
Civic SI 4-Dr Sedan $308 $862 $438 $26 $132 $1,766 $147
Civic EX 2-Dr Coupe $308 $862 $548 $32 $164 $1,914 $160
Civic GX 4-Dr Sedan $308 $862 $438 $26 $132 $1,766 $147
Civic EX-L 2-Dr Coupe $308 $862 $548 $32 $164 $1,914 $160
Civic Hybrid 4-Dr Sedan $348 $748 $438 $26 $132 $1,692 $141
Civic SI 2-Dr Coupe $348 $974 $548 $32 $164 $2,066 $172
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can impact premiums substantially.

Physical damage deductible comparison

One common question asked by Tampa drivers is how high should the physical damage coverage deductibles be. The data tables below help summarize the premium difference between low and high comp and collision deductibles. The first pricing table uses a $250 deductible and the second rate chart uses a $500 deductible.

Honda Civic insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $280 $544 $418 $24 $124 $1,415 $118
Civic VP 4-Dr Sedan $280 $640 $418 $24 $124 $1,511 $126
Civic LX 4-Dr Sedan $280 $640 $418 $24 $124 $1,511 $126
Civic DX 2-Dr Coupe $280 $640 $522 $30 $156 $1,653 $138
Civic EX 4-Dr Sedan $280 $640 $418 $24 $124 $1,511 $126
Civic LX-S 4-Dr Sedan $280 $640 $418 $24 $124 $1,511 $126
Civic LX 2-Dr Coupe $280 $736 $522 $30 $156 $1,749 $146
Civic EX-L 4-Dr Sedan $322 $736 $418 $24 $124 $1,649 $137
Civic SI 4-Dr Sedan $322 $736 $418 $24 $124 $1,649 $137
Civic EX 2-Dr Coupe $322 $736 $522 $30 $156 $1,791 $149
Civic GX 4-Dr Sedan $322 $736 $418 $24 $124 $1,649 $137
Civic EX-L 2-Dr Coupe $322 $736 $522 $30 $156 $1,791 $149
Civic Hybrid 4-Dr Sedan $364 $640 $418 $24 $124 $1,595 $133
Civic SI 2-Dr Coupe $364 $834 $522 $30 $156 $1,931 $161
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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

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

Based on the above data, using a $250 deductible will cost you roughly $17 more each month or $204 every year across all Honda Civic models than quoting the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 15 months between claim filings, you would probably be better off if you choose the higher deductible.

The information below illustrates how your deductible choice and can influence Honda Civic insurance prices for different ages of insureds. The prices are based on a single male driver, full physical damage coverage, and no discounts are factored in.

Difference between full coverage and liability only rates

The example below illustrates the difference between Honda Civic insurance costs with and without physical damage coverage. The premium estimates are based on no claims or driving violations, $100 deductibles, drivers are single, and no other discounts are factored in.

When to drop comprehensive and collision

There is no definitive formula to stop paying for physical damage insurance, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s assume your Honda Civic replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $4,000 after the policy deductible has been paid. If you are paying in excess of $400 a year to have full coverage, then you might want to consider buying only liability coverage.

There are some situations where removing full coverage is not in your best interest. If you still owe a portion of the original loan, you have to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should maintain full coverage.

Buying the right Civic insurance in Florida is an important decision

Despite the fact that car insurance is not cheap in Tampa, buying car insurance is required in Florida but it also protects you in many ways.

The benefits of carrying adequate insurance are without a doubt worth the cost, particularly if you ever have a claim. The average driver in America overpays as much as $700 annually so you should quote rates at every policy renewal to make sure the price is not too high.

Honda Civic insurance discounts in Tampa

Auto insurance can be pricey, but discounts can save money and there are some available that many people don’t even know exist. Some trigger automatically when you complete an application, but occasionally some discounts must be specifically requested before they will apply.Cheaper auto insurance with discounts

A little disclaimer on discounts, some credits don’t apply to the whole policy. Most cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates you can get free auto insurance, companies don’t profit that way. But any discount should definitely cut the premium cost.

The information below shows the difference between Honda Civic insurance premiums with and without discounts applied to the rates. The prices are based on a male driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, marriage, claim-free, multi-car, and multi-policy discounts applied.

Companies and some of their more popular discounts are detailed below.

Check with all the companies to give you their best rates. All car insurance discounts may not apply to policies everywhere. To locate insurers offering auto insurance discounts in Florida, click here to view.

Local Tampa insurance agents

Many people just want to get professional advice from a licensed agent and that can be a smart move Most agents are trained to spot inefficiencies and help file insurance claims. One of the benefits of comparing insurance online is that drivers can save money and get the lowest rates but also keep your business local.

To help locate an agent, after submitting this short form, your coverage information is emailed to participating agents in Tampa who will return price quotes to get your business. You won’t need to search for any insurance agencies due to the fact that quote results will go to your email. In the event you want to quote rates from a particular provider, you would need to find their quoting web page and fill out the quote form the provide.

Choosing the best provider is decision based upon more than just a cheap quote. Any agent in Tampa should be willing to answer these questions.

Insurance agent types

If you want to buy insurance from a reputable insurance agent or broker, it helps to know the two different types of agents and how they are slightly different. Agents in Tampa can be described as either exclusive agents or independent agents. Both types can insure your vehicles properly, but it is important to understand the subtle differences since it could factor into your agent selection.

Exclusive Insurance Agents

Exclusive agents can usually just insure with one company like American Family, State Farm, and Allstate. Exclusive agents cannot give you multiple price quotes so you need to shop around if the rates are high. Exclusive agents are well schooled on their company’s products and that can be a competitive advantage. Consumers sometimes use the same agent partially due to high brand loyalty and solid financial strength.

Listed below are exclusive agencies in Tampa that are able to give comparison quotes.

View more Tampa agents

Independent Agencies or Brokers

Agents that elect to be independent are not required to write business for one company so they can write business with lots of companies and find you cheaper rates. To move your coverage to a new company, your agent can just switch to a different company and you don’t have to find a new agent. When comparison shopping, we recommend you compare quotes from multiple independent agents to have the best price comparison. Most independent agents also contract with small mutual carriers which may have better rates.

The following is a short list of independent agents in Tampa willing to provide price quote information.

View more Tampa agents

If you feel you receive reasonable responses to these questions and low cost Honda Civic insurance quotes, you may have found an auto insurance agent that meets the requirements to insure your vehicles.

Tampa car insurance companies

Ending up with a high-quality car insurance provider can be rather challenging considering how many choices you have in Florida. The company rank data in the lists below may help you pick which car insurance providers to look at shopping prices with.

Top 10 Tampa Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Insurance agents can help

When it comes to proper insurance coverage, there really isn’t a one size fits all plan. Everyone’s situation is unique.Drive safe and save

For instance, these questions may help you determine whether or not you would benefit from an agent’s advice.

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

Smart consumers save more

In this article, we presented quite a bit of information on how to get a better price on Honda Civic insurance in Tampa. The key thing to remember is the more quotes you get, the better your comparison will be. You may even be surprised to find that the most savings is with a small mutual company.

Drivers switch companies for any number of reasons including being labeled a high risk driver, poor customer service, delays in paying claims or even high prices. Regardless of your reason, finding the right insurance provider can be easy and end up saving you some money.

A few companies do not offer online quoting and usually these small, regional companies work with local independent agents. Cheaper insurance in Tampa is available from both online companies as well as from independent agents in Tampa, and you should compare rates from both to have the best selection.

Much more information about insurance in Florida can be found below: