Affordable Quotes for Honda Civic Insurance in Detroit

How many times have you said it’s time to compare more competitive Honda Civic insurance in Detroit? Frustrated by the dozens of auto insurance companies in your area? Lot’s of other drivers are too. There are such a large number of options that it can easily turn into hard work to lower your auto insurance rates for Honda Civic insurance in Detroit. Everyone knows that Detroit is an excellent city in which to live, but trying to pay high auto insurance rates can make it hard to afford.

How to buy cheaper Honda Civic insurance in Detroit

The most effective way to find better pricing on Honda Civic insurance in Detroit is to compare prices once a year from different companies who provide car insurance in Michigan. You can compare prices by completing these steps.

One piece of advice is to try to use the same level of coverage on every quote and and to get prices from as many car insurance companies as possible. Doing this helps ensure an apples-to-apples comparison and the best price selection.

Insurance quote for Honda Civic in DetroitUnimaginable but true, the vast majority of drivers have remained with the same auto insurance company for over three years, and nearly half have never quoted rates to find cheaper coverage. U.S. consumers could pocket $860 a year by just comparing rate quotes, but they underestimate how much money they would save if they moved their coverage to a different company.

Locating the best rates in Detroit is actually quite simple. Practically every car owner who buys auto insurance will find lower prices. But Michigan drivers must comprehend how insurance companies determine how much to charge because rates fluctuate considerably.

There are several ways to obtain and compare prices from auto insurance companies in your area. The best method to find the cheapest insurance rates consists of shopping online.

When comparison shopping, comparing more quotes increases your odds of finding the best price. Some companies don’t provide online price quotes, so it’s important to compare price estimates from those companies as well.

The providers in the list below are our best choices to provide free rate quotes in Detroit, MI. To get the best car insurance in Detroit, MI, we suggest you visit two to three different companies in order to find the most affordable rates.

Rates and statistics

The price information displayed next showcases different insurance rates for Honda Civic models. Having a better idea how premiums are figured can be of help when making informed decisions when comparing rates.

Honda Civic Insurance Rates in Detroit, MI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $358 $746 $650 $38 $194 $1,986 $166
Civic VP 4-Dr Sedan $358 $880 $650 $38 $194 $2,120 $177
Civic LX 4-Dr Sedan $358 $880 $650 $38 $194 $2,120 $177
Civic DX 2-Dr Coupe $358 $880 $812 $48 $242 $2,340 $195
Civic EX 4-Dr Sedan $358 $880 $650 $38 $194 $2,120 $177
Civic LX-S 4-Dr Sedan $358 $880 $650 $38 $194 $2,120 $177
Civic LX 2-Dr Coupe $358 $1012 $812 $48 $242 $2,472 $206
Civic EX-L 4-Dr Sedan $410 $1012 $650 $38 $194 $2,304 $192
Civic SI 4-Dr Sedan $410 $1012 $650 $38 $194 $2,304 $192
Civic EX 2-Dr Coupe $410 $1012 $812 $48 $242 $2,524 $210
Civic GX 4-Dr Sedan $410 $1012 $650 $38 $194 $2,304 $192
Civic EX-L 2-Dr Coupe $410 $1012 $812 $48 $242 $2,524 $210
Civic Hybrid 4-Dr Sedan $464 $880 $650 $38 $194 $2,226 $186
Civic SI 2-Dr Coupe $464 $1146 $812 $48 $242 $2,712 $226
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Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Michigan minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Information does not factor in specific location which can raise or lower premium rates considerably.

Irresponsible driving raises your rates

The diagram below illustrates how violations and fender-benders increase Honda Civic car insurance rates for each different age group. Data assumes a married female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.

Full coverage rates vs. liability-only in Detroit

The illustration below illustrates the difference between Honda Civic insurance costs with full physical damage coverage compared to only buying liability only. The rate quotes are based on no accidents or driving violations, $100 deductibles, single status, and no policy discounts are applied.

When to drop comprehensive and collision coverage

There is no specific rule of when to drop physical damage coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let’s say your Honda Civic claim settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, you would only receive $8,000 after paying your deductible. If it’s costing in excess of $800 a year to have full coverage, then it could be time to drop full coverage.

There are some scenarios where dropping physical damage coverage is not advised. If you still have a loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage.

Slash rates with these price cutting discounts

Companies offering auto insurance don’t necessarily list the entire discount list in a way that’s easy to find, so the next list breaks down a few of the more well known and also the lesser-known credits available to lower your premiums when you buy Detroit auto insurance online.Save money with discounts

Remember that some credits don’t apply to the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like you could get a free car insurance policy, nobody gets a free ride.

The diagram below compares Honda Civic auto insurance rates with and without discounts applied. The premiums are based on a female driver, no driving violations, no at-fault accidents, Michigan 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 safe-driver, marriage, claim-free, multi-policy, homeowner, and multi-car discounts applied.

A list of companies and some of the discounts are included below.

Before you buy a policy, ask every prospective company to apply every possible discount. Some credits might not apply in your area. If you would like to view car insurance companies who offer free Honda Civic insurance quotes in Michigan, click this link.

Insurance is not optional

Despite the fact that insurance is not cheap in Detroit, maintaining insurance serves a purpose in several ways.

The benefits of buying enough insurance are definitely more than the cost, especially with large liability claims. But the average American driver is currently overpaying as much as $850 per year so smart consumers compare quotes at least once a year to help ensure money is not being wasted.

Which is the best insurance?

When choosing coverage online or from an agent for your vehicles, there is no single plan that fits everyone. Your situation is unique and your policy should reflect that.Higher deductibles save money
For instance, these questions might point out if you might need an agent’s assistance.

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Insurance agencies are professional risk managers

Certain consumers still prefer to get advice from a local agent and that is just fine! One of the best bonuses of getting online price quotes is that drivers can save money and get the best rates but also keep your business local.

Insurance agents in DetroitTo find an agent, once you fill out this form (opens in new window), your insurance coverage information gets sent to local insurance agents in Detroit who want to provide quotes and help you find cheaper coverage. You won’t need to drive around since price quotes are sent instantly to you. You can get cheaper auto insurance rates and a licensed agent to talk to. If you wish to compare prices from one company in particular, just visit that company’s website to submit a rate quote request.

Picking an insurance company should depend on more than just a cheap price. A good agent in Detroit will have answers to these questions.

The type of auto insurance agent you choose is important

If you are wanting to find a reliable insurance agency, you need to know there are two types of insurance agents to choose from. Auto insurance policy providers can be classified as either exclusive agents or independent agents.

Exclusive Auto Insurance Agents

Agents of this type can only quote rates from one company and some examples include Farmers Insurance and State Farm. Exclusive agents are unable to place coverage with different providers so keep that in mind. They are very knowledgeable in insurance sales which helps overcome the inability to quote other rates. Consumers frequently purchase coverage from exclusives partially due to high brand loyalty and the convenience of having all coverages with one company.

Below is a short list of exclusive insurance agents in Detroit who may provide you with rate quotes.

View more Detroit agents

Independent Auto Insurance Agencies

These type of agents are not limited to a single company and that gives them the ability to insure with many different companies and get you the best rates possible. If your premiums go up, your agent can switch companies which makes it simple for you.

When comparing rates, we recommend you compare quotes from independent agents to get the best comparison. Most independent agents also contract with small mutual carriers which can be an advantage.

The following are Detroit independent insurance agents willing to provide rate quotes.

View more Detroit agents