Compare Honda Civic Insurance Rates in Riverside

The best way we recommend to find affordable car insurance rates in Riverside is to annually compare prices from companies who sell insurance in California.

• First, try to understand the different coverages in a policy and the things you can change to drop your rates. Many rating criteria that cause high rates such as careless driving and a poor credit score can be remedied by improving your driving habits or financial responsibility. Later in this article we will cover additional ideas to prevent high prices and get bigger discounts that may have been overlooked.
• Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from one company like Progressive or State Farm, while agents who are independent can quote rates from many different companies.
• Third, compare the new quotes to your current policy to see if you can save by switching companies. If you find better rates and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.

A good tip to remember is to use the same deductibles and limits on each quote request and to quote with every company you can. Doing this provides an apples-to-apples comparison and the best price selection.

It’s safe to assume that car insurance companies don’t want you shop around. Consumers who shop rates annually are highly likely to switch companies because the odds are good of getting low-cost coverage. A study discovered that people who regularly compared price quotes saved over $3,400 over four years as compared to drivers who never shopped around.

If saving the most money on Honda Civic insurance in Riverside is your objective, then having a grasp of how to choose a company and compare coverages can help simplify the task of finding more affordable coverage.

Low Cost Honda insurance price quotes in Riverside

The providers in the list below can provide price quotes in California. If several companies are displayed, it’s a good idea that you compare several of them to get the best price comparison.

Rates and statistics

The data table displayed next highlights estimates of rate quotes for Honda Civic models. Learning how prices are formulated can be valuable when making smart choices when comparing insurance rates.

Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Premium amounts do not factor in vehicle location which can decrease or increase premiums significantly.

Raise deductibles and save

One of the most common insurance questions is the level to set your comp and collision deductibles. The comparison tables below can help show the differences in price when you buy lower versus higher deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Estimates do not factor in Riverside location which can impact rates significantly.

Based on these figures, using a $100 deductible will cost you approximately $33 more each month or $396 annually averaged for all Civic models than opting for the higher $500 deductible. Due to the fact that you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you average at least 12 months between claims, you would probably save some money if you choose a higher deductible.

The chart below highlights how deductible selection and can impact Honda Civic insurance costs for each different age group. The prices are based on a married female driver, full coverage, and no policy discounts are applied.

Insurance premiums for males and females

The information below illustrates the difference between Honda Civic annual premium costs for male and female drivers. The price estimates are based on no claims, a clean driving record, full physical damage coverage, $500 deductibles, drivers are single, and no policy discounts are applied.

Rate difference between full and liability-only coverage

The chart below illustrates the difference between Honda Civic insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in California. The premiums assume no driving violations, no at-fault accidents, $100 deductibles, marital status is single, and no other discounts are factored in.

When to stop buying full coverage

There is no definitive guideline of when to phase out comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is more than around 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s pretend your Honda Civic claim settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $3,000 after you pay the deductible. If you are paying over $300 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are a few cases where buying only liability insurance is not financially feasible. If you still have a lienholder on your title, you have to carry full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

How You Can Control Honda Civic Insurance Rates

Many different elements are used in the calculation when quoting car insurance. Most are fairly basic like a motor vehicle report, although some other factors are less obvious like your continuous coverage or how financially stable you are. When buying auto insurance it’s important to understand a few of the rating criteria that help determine auto insurance rates. If you have some idea of what positively or negatively impacts your premiums, this enables informed choices that will entitle you to big savings.

• Raise deductibles and save – The deductibles define the amount you are required to spend if a claim is determined to be covered. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of covered claims would be collision with another vehicle, hail damage, or theft of your vehicle. The more of the claim you’re willing to pay, the better rate you will receive.
• You might want pay the minor auto insurance claims yourself – If you’re an insured who likes to file claims you can look forward to much higher rates or policy non-renewal. Car insurance companies in California provide cheaper rates to policyholders who only file infrequent claims. Insurance coverage is meant to be used in the event of more catastrophic claims.

• Youthful driver insurance rates – Youthful drivers in California are proven to be more careless in a vehicle so they pay higher auto insurance rates. More mature drivers are more cautious drivers, cost insurance companies less in claims, and are generally more financially stable.

  The following data uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.

• Tickets cost more than a fine – Having a single ticket may increase your cost to the point where it’s not affordable. Drivers who don’t get tickets pay less for auto insurance than people who have multiple driving citations. Drivers who have license-revoking tickets such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form with their state’s department of motor vehicles in order to prevent their license from being revoked.

  The diagram below demonstrates how citations and at-fault fender-benders can increase Honda Civic auto insurance rates for different age groups of insureds. The data is based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

• Save by driving less – The higher the mileage driven in a year the more you’ll pay to insure it. The majority of insurers price each vehicle’s coverage based on their usage. Vehicles that are left in the garage cost less to insure than vehicles that have high annual mileage. Verify your auto insurance coverage correctly shows the correct usage, because it can save money. Incorrect rating for your Civic may be wasting your money.

• Loss probability for a Honda Civic – Auto insurance companies use data from past claims as a tool for profitable underwriting. Models that are shown to have higher claim amounts or frequency will have increased rates. The table below outlines the historical insurance loss data for Honda Civic vehicles.

  For each policy coverage, the claim probability for all vehicles averaged together is represented as 100. Values under 100 mean the vehicle has better than average losses, while values that are above 100 show a trend for more claims or an increased likelihood of larger losses.

  
  

  Honda Civic Insurance Claim Statistics

  Vehicle Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Honda Civic	92	105	68	127	135	121
  Honda Civic Hybrid	90	85	106	105		78
  Honda Civic Si	126	97	117	124		104

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Honda Civic insurance discounts in Riverside

Companies offering auto insurance do not advertise every possible discount in an easy-to-find place, so the following is a list of some of the best known in addition to some of the lesser obvious credits that may apply to you. If you do not check that you are getting every discount available, you could be getting lower rates.

• Low Mileage Discounts – Low annual miles may enable drivers to earn discounted insurance rates on garaged vehicles.
• Payment Method – By paying your entire bill at once rather than paying monthly you could save 5% or more.
• Discount for Good Grades – Maintaining excellent grades can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
• Safety Restraint Discount – Requiring all passengers to use their safety belts can save 10% or more off the PIP or medical payment premium.
• Discounts for Government Workers – Having worked for a branch of the government could provide a small rate reduction with a few insurance companies.
• Theft Prevention Discount – Vehicles optioned with advanced anti-theft systems are stolen with less frequency and will save you 10% or more on Civic insurance in Riverside.
• Anti-lock Brake System – Cars that have steering control and anti-lock brakes have fewer accidents and qualify for as much as a 10% discount.
• Early Signing – A few insurance companies give discounts for buying a policy early. You can save around 10% with this discount.

Keep in mind that most discounts do not apply to the entire cost. The majority will only reduce specific coverage prices like medical payments or collision. So even though it sounds like you can get free auto insurance, it just doesn’t work that way.

The diagram below illustrates the comparison of Honda Civic insurance rates with and without discounts applied to the policy rates. The information is based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, marriage, claim-free, and multi-policy discounts applied.

The best insurance companies and their offered discounts can be found below.

• Progressive offers discounts for good student, multi-vehicle, continuous coverage, online quote discount, and online signing.
• GEICO offers premium reductions for good student, five-year accident-free, driver training, seat belt use, daytime running lights, multi-vehicle, and anti-lock brakes.
• State Farm may offer discounts for good driver, Drive Safe & Save, multiple policy, driver’s education, and passive restraint.
• Esurance may have discounts that include claim free, multi-policy, paid-in-full, anti-lock brakes, and Pac-12 alumni.
• The Hartford has savings for anti-theft, good student, air bag, driver training, vehicle fuel type, bundle, and defensive driver.

Before purchasing a policy, check with each company which credits you are entitled to. Some credits may not apply in your area. To see providers who offer online Honda Civic insurance quotes in Riverside, follow this link.

Insurance agent or online?

Some people just want to get advice from a local agent and that is not a bad decision A good thing about comparing auto insurance online is you may find cheaper prices but still work with a licensed agent. Buying from local agencies is important particularly in Riverside.

After completing this quick form, your insurance coverage information is submitted to companies in Riverside who will return price quotes for your insurance coverage. It makes it easy because there is no need to contact any agents as quotes are delivered to your email. You can most likely find cheaper rates without the usual hassles of price shopping. If you want to compare rates from one company in particular, you can always jump over to their website and give them your coverage information.

Pick the best car insurance agent in Riverside for you

If you prefer to buy auto insurance from an insurance agent, it’s important to understand the types of insurance agents from which to choose. Auto insurance agencies can be categorized as either independent or exclusive.

Independent Auto Insurance Agencies or Brokers

Independent agents can quote rates with many companies so they can insure your vehicles through lots of different companies and potentially find a lower price. If prices rise, they simply switch companies in-house and you don’t have to do anything.

When comparing auto insurance prices, it’s a good idea to get insurance quotes from multiple independent agents for the best price selection. Many can place coverage with small mutual carriers that may provide cheaper auto insurance rates.

Below is a short list of independent agents in Riverside that may be able to give free auto insurance quotes.

• Bergman Insurance
  6281 Brockton Ave # 2 – Riverside, CA 92506 – (951) 684-3624 – View Map
• Melendez Insurance Agency
  3595 Van Buren Boulevard #201 – Riverside, CA 92503 – (951) 687-9152 – View Map
• Rick Plata Insurance Agency
  4204 Riverwalk Pkwy #200 – Riverside, CA 92505 – (951) 801-2032 – View Map

View more Riverside agents

Exclusive Insurance Agents

Agents in the exclusive channel have only one company to place business with like AAA, Allstate, State Farm, or Farmers Insurance. These agents are not able to provide rate quotes from other companies so you need to shop around if the rates are high. These agents are well trained on the products they sell which aids in selling service over price. Consumers frequently use the same agent primarily because of the brand legacy and the convenience of having a single billing for all their coverages.

Below is a short list of exclusive insurance agencies in Riverside that are able to give rate quotes.

• Farmers Insurance – Juan Zaragoza
  3333 Central Ave b – Riverside, CA 92506 – (951) 367-1490 – View Map
• GEICO Insurance Agent
  2711 Canyon Springs Parkway, Suite A-104 – Riverside, CA 92507 – (951) 786-9477 – View Map
• Allstate Insurance: Mike Ponce
  1525 3rd St b – Riverside, CA 92507 – (951) 784-0951 – View Map

View more Riverside agents

Choosing a insurance agency shouldn’t rely on just a low price. The questions below may impact your decision as well.

• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• How much training do they have in personal risk management?
• Are they involved in claim handling?
• Do they review policy coverages at every renewal?
• Can glass repairs be made at your home?
• Can you use your own choice of collision repair facility?
• Do they have cheaper tiers of coverage?

Situations that may require an agent’s advice

When it comes to buying adequate coverage for your personal vehicles, there is no one size fits all plan. You are unique.

Here are some questions about coverages that might help in determining if your insurance needs will benefit from professional help.

• Am I covered if I break a side mirror?
• Exactly who is provided coverage by my policy?
• Do all my vehicles need collision coverage?
• Can I rent a car in Mexico?
• Do I need to call my car insurance company before buying a new car?
• What does medical payments coverage do?
• When should I remove my kid from my policy?
• What does UM/UIM cover?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form.

In conclusion

Insureds who switch companies do it for a variety of reasons including extreme rates for teen drivers, delays in responding to claim requests, poor customer service or delays in paying claims. No matter why you want to switch, switching companies is pretty simple and you could end up saving a buck or two.

In this article, we presented some good ideas how to reduce Honda Civic insurance premium rates online in Riverside. It’s most important to understand that the more you quote Riverside auto insurance, the higher the chance of saving money. You may even find the most savings is with some of the smallest insurance companies.

A few companies may not provide online rate quotes and usually these small, regional companies sell through local independent agencies. Budget-conscious Honda Civic insurance can be found online and from local insurance agents, so you should compare both to get a complete price analysis.

Much more information about car insurance in California can be found at these links:

• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
• What Car Insurance is Cheapest for Teenage Males in Riverside? (FAQ)
• Who Has Affordable Riverside Car Insurance Rates for Good Drivers? (FAQ)
• How to Avoid Buying a Flooded Car (Insurance Information Institute)
• Safety Features for Your New Car (State Farm)
• Drunk Driving Statistics (Insurance Information Institute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)