Insurance quote for Honda Civic in RochesterHow long have you put off shopping around for lower-priced car insurance rates in Rochester, MN? Rochester consumers have a choice when looking for low-cost Honda Civic insurance. You can either waste hours calling around to get rate comparisons or use the internet to make rate comparisons. There are both good and bad ways to shop for car insurance so you're going to learn the proper way to price shop coverage for a new or used Honda and find the cheapest rates either online or from Rochester insurance agents.

It's a good habit to compare prices quite often because car insurance prices are variable and change quite frequently. Just because you found the best deal on Honda Civic insurance in Rochester on your last policy you may be paying too much now. You can search a lot of Civic insurance on the web, but I'm going to show you some proven techniques to find cheap car insurance in Rochester.

The companies shown below are our best choices to provide free rate quotes in Minnesota. If more than one company is shown, we recommend you visit as many as you can in order to find the lowest rates.

Honda Civic Insurance Cost Estimates in Rochester, MN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $150 $344 $358 $22 $108 $982 $82
Civic VP 4-Dr Sedan $204 $550 $412 $24 $124 $1,314 $110
Civic LX 4-Dr Sedan $102 $260 $304 $18 $92 $776 $65
Civic DX 2-Dr Coupe $134 $326 $372 $22 $112 $966 $81
Civic EX 4-Dr Sedan $130 $352 $384 $22 $114 $1,002 $84
Civic LX-S 4-Dr Sedan $272 $580 $416 $24 $124 $1,416 $118
Civic LX 2-Dr Coupe $150 $442 $448 $26 $134 $1,200 $100
Civic EX-L 4-Dr Sedan $192 $510 $412 $24 $124 $1,262 $105
Civic SI 4-Dr Sedan $246 $560 $318 $18 $94 $1,236 $103
Civic EX 2-Dr Coupe $182 $416 $408 $24 $122 $1,152 $96
Civic GX 4-Dr Sedan $172 $442 $358 $22 $108 $1,102 $92
Civic EX-L 2-Dr Coupe $192 $510 $516 $30 $154 $1,402 $117
Civic Hybrid 4-Dr Sedan $146 $316 $358 $22 $108 $950 $79
Civic SI 2-Dr Coupe $156 $366 $408 $24 $122 $1,076 $90
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Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Estimates do not factor in Rochester location which can modify price quotes greatly.

Higher deductibles save money

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The data tables below highlight the rate differences when you select higher and lower comp and collision deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second set of rates uses a $500 deductible.

Honda Civic insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $214 $414 $318 $18 $94 $1,083 $90
Civic VP 4-Dr Sedan $214 $486 $318 $18 $94 $1,155 $96
Civic LX 4-Dr Sedan $214 $486 $318 $18 $94 $1,155 $96
Civic DX 2-Dr Coupe $214 $486 $396 $24 $118 $1,263 $105
Civic EX 4-Dr Sedan $214 $486 $318 $18 $94 $1,155 $96
Civic LX-S 4-Dr Sedan $214 $486 $318 $18 $94 $1,155 $96
Civic LX 2-Dr Coupe $214 $560 $396 $24 $118 $1,337 $111
Civic EX-L 4-Dr Sedan $246 $560 $318 $18 $94 $1,261 $105
Civic SI 4-Dr Sedan $246 $560 $318 $18 $94 $1,261 $105
Civic EX 2-Dr Coupe $246 $560 $396 $24 $118 $1,369 $114
Civic GX 4-Dr Sedan $246 $560 $318 $18 $94 $1,261 $105
Civic EX-L 2-Dr Coupe $246 $560 $396 $24 $118 $1,369 $114
Civic Hybrid 4-Dr Sedan $276 $486 $318 $18 $94 $1,217 $101
Civic SI 2-Dr Coupe $276 $634 $396 $24 $118 $1,473 $123
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Honda Civic insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $174 $334 $318 $18 $94 $938 $78
Civic VP 4-Dr Sedan $174 $392 $318 $18 $94 $996 $83
Civic LX 4-Dr Sedan $174 $392 $318 $18 $94 $996 $83
Civic DX 2-Dr Coupe $174 $392 $396 $24 $118 $1,104 $92
Civic EX 4-Dr Sedan $174 $392 $318 $18 $94 $996 $83
Civic LX-S 4-Dr Sedan $174 $392 $318 $18 $94 $996 $83
Civic LX 2-Dr Coupe $174 $452 $396 $24 $118 $1,164 $97
Civic EX-L 4-Dr Sedan $200 $452 $318 $18 $94 $1,082 $90
Civic SI 4-Dr Sedan $200 $452 $318 $18 $94 $1,082 $90
Civic EX 2-Dr Coupe $200 $452 $396 $24 $118 $1,190 $99
Civic GX 4-Dr Sedan $200 $452 $318 $18 $94 $1,082 $90
Civic EX-L 2-Dr Coupe $200 $452 $396 $24 $118 $1,190 $99
Civic Hybrid 4-Dr Sedan $224 $392 $318 $18 $94 $1,046 $87
Civic SI 2-Dr Coupe $224 $512 $396 $24 $118 $1,274 $106
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Minnesota minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Premium costs do not factor in vehicle location which can modify prices greatly.

Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $14 more each month or $168 a year than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you go more than 18 months between claims, you would come out ahead if you choose a higher deductible.

Choosing deductibles

The example below shows how choosing a deductible and can raise or lower Honda Civic insurance costs for different age categories. Data assumes a married male driver, comp and collision included, and no other discounts are factored in.

Rate comparison of full coverage and liability-only

The diagram below illustrates the comparison of Honda Civic insurance rates when comparing full coverage to state minimum liability only. The premiums are based on no accidents, no driving violations, $500 deductibles, married male driver, and no discounts are applied to the premium.

Are you wasting money on full coverage?

There is no definitive rule to stop paying for physical damage insurance, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let's assume your Honda Civic settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $3,000 after the policy deductible has been paid. If premium cost is more than $300 annually for physical damage coverage, then it could be time to drop full coverage.

There are some scenarios where only buying liability is not recommended. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Why you need insurance for your Honda vehicle

Even though it's not necessarily cheap to insure a Honda in Rochester, paying for auto insurance is required in Minnesota but it also protects you in many ways.

The benefits of insuring your Civic outweigh the cost, specifically if you ever have a liability claim. The average driver in Minnesota is overpaying over $800 each year so it's very important to do a rate comparison at every renewal to be sure current rates are still competitive.

Car insurance advertisements

Minnesota drivers can't avoid all the ads that claim the cheapest auto insurance rates by companies like Allstate, GEICO and Progressive. All the companies advertise claims about saving some big amount just by switching your car insurance policy to them.

How does every company charge you less for auto insurance? Here is the trick they use.

Insurance companies look for specific characteristics for the driver that will add to their bottom line. An example of a preferred risk may need to be a married male, has no prior claims, and does not commute to work. A driver who fits those characteristics will get low rates and most likely will cut their Honda Civic insurance rates if they switch.

Drivers who fall short of this ideal profile will have to pay higher premium rates which results in business not being written. The ad wording is "customers that switch" not "everybody who quotes" save money. That's the way insurance companies can lure you into getting a quote. This really emphasizes why drivers must get as many free Rochester auto insurance quotes as possible. Because you cannot predict which company will have the lowest Honda Civic insurance in Rochester.

Take policy discounts and save on Honda Civic insurance in Rochester

Some providers don't always advertise every discount in an easy-to-find place, so the following list contains some of the best known as well as the least known savings tricks you should be using when you buy Rochester auto insurance online. If they aren't giving you every credit you qualify for, you are paying more than you should be.Car insurance discounts

Please keep in mind that some credits don't apply to the entire cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, you're out of luck.

A list of companies and some of the discounts can be read below.

If you are trying to find affordable Honda Civic insurance quotes, ask every company which discounts they offer. Some credits might not be offered in Rochester.

Compare prices but buy from a local neighborhood Rochester car insurance agent

A lot of people would rather sit down and talk to an agent. Professional agents will help you protect your assets and help file insurance claims. The best thing about getting free rate quotes online is the fact that drivers can get cheaper prices and still buy from a local agent.

Rochester insurance agentsTo help locate an agent, after submitting this quick form, the coverage information is instantly submitted to local insurance agents who want to provide quotes for your coverage. You don't have to leave your house since rate quotes are delivered immediately to you. If you need to get a price quote from a specific auto insurance provider, you can always jump over to their website and submit a quote form there.

Selecting an insurance company should include more criteria than just the premium amount. These are some questions you should get answers to.

Car insurance is unique, just like you

Always remember that when buying insurance from an agent or online, there really is no one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs.Car insurance savings

For instance, these questions may help highlight whether you may require specific advice.

If you're not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It's fast, free and can help protect your family.

Cheap auto insurance is out there

Cheaper auto insurance in Rochester is available both online and also from your neighborhood Rochester agents, and you need to price shop both so you have a total pricing picture. Some auto insurance companies don't offer price quotes online and many times these smaller providers provide coverage only through independent insurance agencies.

When buying insurance coverage, it's a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where an insured cut liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase a proper amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

People who switch companies do it for many reasons like poor customer service, an unsatisfactory settlement offer, delays in responding to claim requests or even unfair underwriting practices. It doesn't matter what your reason, finding a new company can be easier than you think.

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