If you want to save the most money, the best way to get the cheapest Honda Civic insurance is to make a habit of comparing prices annually from providers who sell insurance in Las Vegas.
- Read about how your policy works and the measures you can control to prevent rate increases. Many things that increase rates like traffic citations, accidents, and poor credit history can be rectified by making minor driving habit or lifestyle changes. Keep reading for ideas to prevent expensive rate increases and find hidden discounts.
- Request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or Farmers Insurance, while independent agents can provide prices from multiple insurance companies.
- Compare the new quotes to your current policy to see if a cheaper rate is available. If you find a better price and buy the policy, make sure coverage is continuous and does not lapse.
- Provide written notification to your current company to cancel your existing policy and submit any necessary down payment along with the completed application to the new company. As soon as you can, keep your new proof of insurance paperwork in an accessible location in your vehicle.
An important part of this process is that you’ll want to compare the same physical damage deductibles and liability limits on each quote request and to quote with as many carriers as you can. This helps ensure a fair rate comparison and the most accurate and complete price analysis.
It’s amazing but 70% of consumers kept their coverage with the same car insurance company for at least the last four years, and just under half have never shopped around. With the average premium in Nevada being $1,620, drivers could save up to $500 each year by just comparing rate quotes, but they don’t know the big savings they would realize if they moved their coverage to a different company.
The are a couple different ways to compare quotes from many different Nevada insurance companies. The quickest method to compare rates is to perform an online rate comparison.
Doing online rates comparisons is so easy that it makes it obsolete to call or drive to each insurance agency near you. The ability to get quotes online can eliminate the need for a local agent unless you have a need for the peace of mind of a local Las Vegas agent. Although, it is possible price shop online and still use a local agent. When comparing insurance rates, know that comparing more prices increases your odds of finding the best offered rates.
The following companies are ready to provide price quotes in Las Vegas, NV. If your goal is to find the best cheap auto insurance in NV, it’s a good idea that you get prices from several of them to get the best price comparison.
Auto insurance discounts help lower rates for Honda Civic insurance in Las Vegas
Insurance can cost an arm and a leg, but there may be some discounts to cut the cost considerably. Most are applied when you purchase, but less common discounts must be inquired about before you get the savings. If you are not receiving all the discounts possible, you could be saving more on your auto insurance.
- Good Driver Discounts – Insureds who avoid accidents can save as much as half off their rates than drivers with accidents.
- Club Memberships – Participating in qualifying employment or professional organizations may earn a discount on your next renewal.
- Good Students Pay Less – Maintaining excellent grades may save as much as 25% on a Las Vegas auto insurance quote. Many companies even apply the discount to college students until age 25.
- Save with More Vehicles Insured – Having several vehicles on the same auto insurance policy can reduce the rates for all insured vehicles.
- Discount for New Cars – Insuring a new Civic can save up to 30% since newer models are generally safer.
- Theft Prevention System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and earn discounts up to 10% off your Las Vegas auto insurance quote.
- Early Switch Discount – A few larger companies offer discounts for switching to them before your current Civic insurance policy expires. This discount can save up to 10%.
- Discount for Multiple Policies – If you can bundle your auto and home insurance with the same company you could earn a discount of up to 20% and get you cheaper Civic insurance.
- Safety Course Discount – Participating in a course that instructs on driving safety is a good idea and can lower rates and make you a better driver.
Keep in mind that many deductions do not apply to the entire cost. Some only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, company stockholders wouldn’t be very happy. But all discounts should help reduce your overall premium however.
The example below illustrates the difference between Honda Civic insurance premiums with and without some available policy discounts. Data assumes a male driver, no claims, a clean driving record, Nevada state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, homeowner, multi-policy, multi-car, and safe-driver discounts applied.
Companies and some of the premium reductions they offer are detailed below.
- Travelers offers premium reductions for multi-car, driver training, payment discounts, student away at school, and save driver.
- 21st Century may have discounts that include anti-lock brakes, air bags, automatic seat belts, teen driver, and driver training.
- State Farm may include discounts for student away at school, safe vehicle, multiple policy, multiple autos, Steer Clear safe driver discount, passive restraint, and good student.
- GEICO policyholders can earn discounts including air bags, emergency military deployment, seat belt use, multi-policy, and anti-lock brakes.
- SAFECO offers discounts including teen safety rewards, anti-theft, multi-car, bundle discounts, homeowner, and anti-lock brakes.
- AAA has savings for anti-theft, education and occupation, multi-car, AAA membership discount, pay-in-full, good student, and good driver.
Before you buy a policy, ask each insurance company which discounts they offer. Some discounts might not apply in every state.
Analysis of coverages
The rate table shown next highlights different insurance rates for Honda Civic models. Learning more about how insurance premiums are determined can benefit drivers when making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $208 | $402 | $308 | $18 | $92 | $1,028 | $86 |
| Civic VP 4-Dr Sedan | $208 | $472 | $308 | $18 | $92 | $1,098 | $92 |
| Civic LX 4-Dr Sedan | $208 | $472 | $308 | $18 | $92 | $1,098 | $92 |
| Civic DX 2-Dr Coupe | $208 | $472 | $386 | $22 | $116 | $1,204 | $100 |
| Civic EX 4-Dr Sedan | $208 | $472 | $308 | $18 | $92 | $1,098 | $92 |
| Civic LX-S 4-Dr Sedan | $208 | $472 | $308 | $18 | $92 | $1,098 | $92 |
| Civic LX 2-Dr Coupe | $208 | $544 | $386 | $22 | $116 | $1,276 | $106 |
| Civic EX-L 4-Dr Sedan | $238 | $544 | $308 | $18 | $92 | $1,200 | $100 |
| Civic SI 4-Dr Sedan | $238 | $544 | $308 | $18 | $92 | $1,200 | $100 |
| Civic EX 2-Dr Coupe | $238 | $544 | $386 | $22 | $116 | $1,306 | $109 |
| Civic GX 4-Dr Sedan | $238 | $544 | $308 | $18 | $92 | $1,200 | $100 |
| Civic EX-L 2-Dr Coupe | $238 | $544 | $386 | $22 | $116 | $1,306 | $109 |
| Civic Hybrid 4-Dr Sedan | $268 | $472 | $308 | $18 | $92 | $1,158 | $97 |
| Civic SI 2-Dr Coupe | $268 | $616 | $386 | $22 | $116 | $1,408 | $117 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Prices do not factor in vehicle location which can influence price quotes considerably.
Physical damage deductible comparison
The hardest decision when buying coverage is how high should your deductibles be. The following tables may help to illustrate the cost difference when you select higher and lower physical damage coverage deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $232 | $478 | $308 | $18 | $92 | $1,153 | $96 |
| Civic VP 4-Dr Sedan | $232 | $564 | $308 | $18 | $92 | $1,239 | $103 |
| Civic LX 4-Dr Sedan | $232 | $564 | $308 | $18 | $92 | $1,239 | $103 |
| Civic DX 2-Dr Coupe | $232 | $564 | $386 | $22 | $116 | $1,345 | $112 |
| Civic EX 4-Dr Sedan | $232 | $564 | $308 | $18 | $92 | $1,239 | $103 |
| Civic LX-S 4-Dr Sedan | $232 | $564 | $308 | $18 | $92 | $1,239 | $103 |
| Civic LX 2-Dr Coupe | $232 | $650 | $386 | $22 | $116 | $1,431 | $119 |
| Civic EX-L 4-Dr Sedan | $266 | $650 | $308 | $18 | $92 | $1,359 | $113 |
| Civic SI 4-Dr Sedan | $266 | $650 | $308 | $18 | $92 | $1,359 | $113 |
| Civic EX 2-Dr Coupe | $266 | $650 | $386 | $22 | $116 | $1,465 | $122 |
| Civic GX 4-Dr Sedan | $266 | $650 | $308 | $18 | $92 | $1,359 | $113 |
| Civic EX-L 2-Dr Coupe | $266 | $650 | $386 | $22 | $116 | $1,465 | $122 |
| Civic Hybrid 4-Dr Sedan | $300 | $564 | $308 | $18 | $92 | $1,307 | $109 |
| Civic SI 2-Dr Coupe | $300 | $736 | $386 | $22 | $116 | $1,585 | $132 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $168 | $324 | $308 | $18 | $92 | $910 | $76 |
| Civic VP 4-Dr Sedan | $168 | $382 | $308 | $18 | $92 | $968 | $81 |
| Civic LX 4-Dr Sedan | $168 | $382 | $308 | $18 | $92 | $968 | $81 |
| Civic DX 2-Dr Coupe | $168 | $382 | $386 | $22 | $116 | $1,074 | $90 |
| Civic EX 4-Dr Sedan | $168 | $382 | $308 | $18 | $92 | $968 | $81 |
| Civic LX-S 4-Dr Sedan | $168 | $382 | $308 | $18 | $92 | $968 | $81 |
| Civic LX 2-Dr Coupe | $168 | $438 | $386 | $22 | $116 | $1,130 | $94 |
| Civic EX-L 4-Dr Sedan | $194 | $438 | $308 | $18 | $92 | $1,050 | $88 |
| Civic SI 4-Dr Sedan | $194 | $438 | $308 | $18 | $92 | $1,050 | $88 |
| Civic EX 2-Dr Coupe | $194 | $438 | $386 | $22 | $116 | $1,156 | $96 |
| Civic GX 4-Dr Sedan | $194 | $438 | $308 | $18 | $92 | $1,050 | $88 |
| Civic EX-L 2-Dr Coupe | $194 | $438 | $386 | $22 | $116 | $1,156 | $96 |
| Civic Hybrid 4-Dr Sedan | $218 | $382 | $308 | $18 | $92 | $1,018 | $85 |
| Civic SI 2-Dr Coupe | $218 | $496 | $386 | $22 | $116 | $1,238 | $103 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Estimates do not factor in specific Las Vegas garaging location which can modify premiums considerably.
Based on this data, we can arrive at the conclusion that using a $100 deductible costs about $24 more each month or $288 each year than selecting the higher $500 deductible. Since the policyholder would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 17 months between claims, you would more than likely save some money if you choose the higher deductible.
The chart below illustrates how your deductible choice and can raise or lower Honda Civic premium costs for each different age group. The rate quotes are based on a single male driver, full coverage, and no discounts are factored in.
Insurance rate increases from tickets or accidents
The diagram below illustrates how traffic citations and accident claims raise Honda Civic auto insurance rates for each different age category. The costs are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.
Does it make sense to buy full coverage?
The diagram below shows the comparison of Honda Civic premium costs with full coverage compared to only the Nevada minimum liability coverage. The data assumes no accidents or driving violations, $100 deductibles, drivers are single, and no other discounts are factored in.
When to buy liability coverage only
There isn’t a steadfast formula to delete full coverage on your policy, but there is a general convention. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your Honda Civic claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,000 after paying the physical damage deductible. If it’s costing in excess of $700 annually for your policy with full coverage, then you may need to consider dropping full coverage.
There are some scenarios where dropping full coverage is not financially feasible. If you haven’t satisfied your loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage.