Want to learn the secrets to finding lower-priced Honda Civic insurance in Minneapolis? Trying to find better insurance prices for a Honda Civic in Minnesota can be an all-consuming task, but you can use our auto insurance buying tips to make it easier. There is a better way to find auto insurance online and you need to know the proper way to get price quotes for your Honda and get the best price possible from Minneapolis insurance agents and online providers.

Insurance for Honda CivicA recent auto insurance study discovered that a large majority of drivers in Minnesota kept buying from the same company for at least the last four years, and just short of a majority have never shopped around. Most drivers in the United States could save up to $860 each year just by comparing rates, but they just assume it takes a lot of time to compare rate quotes.

Consumers should take time to check auto insurance prices quite often because insurance rates fluctuate regularly. Despite the fact that you may have had the best rate on Honda Civic insurance in Minneapolis a few years ago the chances are good that you can find a lower price today. You can find a lot of information about Civic insurance on the internet, but you can learn some proven techniques to stop overpaying for insurance in Minneapolis.

If you have insurance now or just want to save money, follow these tips to reduce the price you pay without reducing coverage. Getting quotes for affordable coverage in Minneapolis is not that difficult. Drivers just need to know the best way to get comparison quotes over the internet.

Best companies for Honda Civic insurance

The auto insurance companies shown below are our best choices to provide quotes in Minnesota. If several companies are displayed, we recommend you get rate quotes from several of them in order to find the cheapest rates.

Honda Civic Insurance Estimates in Minneapolis, MN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $132 $260 $318 $18 $94 $822 $69
Civic VP 4-Dr Sedan $264 $714 $428 $26 $128 $1,560 $130
Civic LX 4-Dr Sedan $194 $448 $326 $20 $98 $1,086 $91
Civic DX 2-Dr Coupe $114 $316 $448 $26 $134 $1,038 $87
Civic EX 4-Dr Sedan $102 $260 $304 $18 $92 $776 $65
Civic LX-S 4-Dr Sedan $184 $476 $358 $22 $108 $1,148 $96
Civic LX 2-Dr Coupe $184 $550 $448 $26 $134 $1,342 $112
Civic EX-L 4-Dr Sedan $238 $550 $324 $20 $96 $1,228 $102
Civic SI 4-Dr Sedan $138 $324 $326 $20 $98 $906 $76
Civic EX 2-Dr Coupe $222 $516 $408 $24 $122 $1,292 $108
Civic GX 4-Dr Sedan $172 $442 $358 $22 $108 $1,102 $92
Civic EX-L 2-Dr Coupe $116 $292 $372 $22 $112 $914 $76
Civic Hybrid 4-Dr Sedan $352 $580 $416 $24 $124 $1,496 $125
Civic SI 2-Dr Coupe $174 $424 $372 $22 $112 $1,104 $92
Get Your Own Custom Quote Go

Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price information does not factor in Minneapolis location which can revise premium rates significantly.

Violations and accidents raise rates

The diagram below illustrates how violations and accidents can impact Honda Civic auto insurance costs for each age group. The data is based on a married male driver, comp and collision included, $500 deductibles, and no discounts are applied.

Full coverage versus liability-only

The diagram below illustrates the difference between Honda Civic car insurance rates when comparing full coverage to liability only. The price estimates are based on no accidents, no driving violations, $500 deductibles, single female driver, and no discounts are taken into consideration.

When to stop buying physical damage coverage

There is no definitive formula of when to phase out comp and collision coverage, but there is a guideline you can consider. If the annual cost of having full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let's assume your Honda Civic replacement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after the deductible is paid. If you are currently paying more than $200 annually for full coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where dropping physical damage coverage is not recommended. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

Physical damage deductible comparison

One frequently asked question is which deductible level should you buy. The comparison tables below lay out the costs and benefits when you buy lower versus higher comp and collision deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.

Honda Civic insurance policy 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
Get Your Own Custom Quote Go
Honda Civic insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $132 $260 $318 $18 $94 $822 $69
Civic VP 4-Dr Sedan $132 $306 $318 $18 $94 $868 $72
Civic LX 4-Dr Sedan $132 $306 $318 $18 $94 $868 $72
Civic DX 2-Dr Coupe $132 $306 $396 $24 $118 $976 $81
Civic EX 4-Dr Sedan $132 $306 $318 $18 $94 $868 $72
Civic LX-S 4-Dr Sedan $132 $306 $318 $18 $94 $868 $72
Civic LX 2-Dr Coupe $132 $352 $396 $24 $118 $1,022 $85
Civic EX-L 4-Dr Sedan $152 $352 $318 $18 $94 $934 $78
Civic SI 4-Dr Sedan $152 $352 $318 $18 $94 $934 $78
Civic EX 2-Dr Coupe $152 $352 $396 $24 $118 $1,042 $87
Civic GX 4-Dr Sedan $152 $352 $318 $18 $94 $934 $78
Civic EX-L 2-Dr Coupe $152 $352 $396 $24 $118 $1,042 $87
Civic Hybrid 4-Dr Sedan $170 $306 $318 $18 $94 $906 $76
Civic SI 2-Dr Coupe $170 $398 $396 $24 $118 $1,106 $92
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Minnesota minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Rate information does not factor in specific Minneapolis garaging location which can increase or decrease insurance rates substantially.

Using the data above, we can ascertain that using a $250 deductible costs roughly $25 more each month or $300 annually than quoting the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 30 months between claim filings, you would more than likely save some money going with the higher deductible. The table below shows how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $104
Average monthly premium for $1,000 deductibles (subtract): - $79
Monthly savings from raising deductible: $25
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

One important note is that raising deductibles to save money results in having to pay to pay more out-of-pocket when you have to file a claim. You must have enough extra money in the event you need to pay more to get your vehicle repaired.

Companies offer many types of discounts on Honda Civic insurance in Minneapolis

Insurance is easily one of your largest bills, but you may be missing some discounts that you may not even know about. Some discounts apply automatically at quote time, but a few need to be asked about before being credited.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, it just doesn't work that way.

A partial list of companies that may offer these money-saving discounts may include but are not limited to:

When getting free Minneapolis car insurance quotes, it's a good idea to each company or agent how many discounts you can get. Savings may not apply to policies in Minneapolis. If you would like to see a list of insurance companies that offer discounts in Minnesota, click here to view.

There's no such thing as the perfect car insurance policy

When quoting and choosing coverage, there really is not a perfect coverage plan. Everyone's situation is unique.

Here are some questions about coverages that may help you determine if your insurance needs might need professional guidance.

If you can't answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form. It's fast, doesn't cost anything and can provide invaluable advice.

Shop online but buy locally

Some consumers would rather go talk to an agent and that is OK! Good insurance agents can help you choose the best coverages and help in the event of a claim. An additional benefit of comparing rate quotes online is that you can obtain lower rates and still have a local agent.

Insurance agents in MinneapolisTo make it easy to find an agent, after completing this simple form, your insurance data is instantly submitted to local insurance agents in Minneapolis that provide free Minneapolis car insurance quotes for your auto insurance coverage. You won't even need to drive around since rate quotes are delivered straight to your inbox. If you want to get a price quote for a specific company, you just need to jump over to their website and fill out the quote form the provide.

Deciding on an insurance company is decision based upon more than just the premium amount. These are some questions you should get answers to.

Pick the best car insurance agent in Minneapolis for you

If you want to buy auto insurance from a local agent, it's helpful to know the types of insurance agents and how they are distinctly different. Insurance agencies in Minneapolis are classified as either independent agents or exclusive agents depending on their employer. Both handle auto insurance, but it's a good idea to understand the difference in the companies they write for because it may have an impact on the kind of agent you use.

Exclusive Insurance Agencies

Agents that choose to be exclusive write business for a single company such as AAA, Allstate, and State Farm. Exclusive agents cannot compare other company's rates so it's a take it or leave it situation. Exclusive agents are trained well on their company's products which helps overcome the inability to quote other rates. Consumers often choose to use a exclusive agent partially due to the prominence of the brand and strong financial ratings.

The following is a list of exclusive insurance agencies in Minneapolis that are able to give price quote information.

More Minneapolis agents

Independent Auto Insurance Agents

Agents that elect to be independent often have many company appointments so they can insure your vehicles through lots of different companies and get the cheapest rates. If premiums increase, your agent can just switch to a different company which requires no work on your part.

When comparing rate quotes, it's a good idea to get quotes from independent agents to have the best price comparison. Most can insure with different regional companies that may have much lower rates than larger companies.

The following is a short list of independent insurance agencies in Minneapolis willing to provide comparison quotes.

More Minneapolis agents

After receiving satisfactory answers to any questions you have and low cost Honda Civic insurance quotes, you've probably found an insurance agency that will service your policy. Just remember you can cancel coverage for any reason so never feel you're contractually obligated to any specific agency with no way to switch.

Advertising and car insurance

Minnesota drivers get pounded daily by advertisements that promise big savings from the likes of Progressive, GEICO, Allstate and State Farm. All the ads try to convey promises of big savings just by switching your car insurance policy to them.

That's great but how can every company charge you less for auto insurance? It's all in the words they use.

Car insurance companies look for specific characteristics for the type of customer that will be a good risk. One example of a profitable risk profile could possibly be a female over age 40, has had continuous coverage, and drives less than 5,000 miles a year. A customer that fits those parameters will get very good Minneapolis auto insurance rates and as a result will probably save money with a new company.

Drivers who don't measure up to these standards may be forced to pay a higher rate with the end result being the customer not buying. The ads state "drivers who switch" not "everybody who quotes" can get the lowest rates when switching. That's the way companies can make those statements. This really emphasizes why you really need to get price quotes at each policy renewal. It's impossible to know with any certainty which company will have the best prices for your profile.

Persistence will pay off

Insureds switch companies for any number of reasons including high prices, high rates after DUI convictions, an unsatisfactory settlement offer and denial of a claim. It doesn't matter what your reason, finding the right auto insurance provider is not as hard as you think.

As you quote Minneapolis car insurance, it's not a good idea to buy less coverage just to save a little money. There have been many cases where drivers have reduced physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage at an affordable rate but still have enough coverage for asset protection.

Some insurance providers don't offer the ability to get a quote online and usually these regional carriers provide coverage only through independent agencies. Low-cost Honda Civic insurance in Minneapolis can be found online as well as from independent agents in Minneapolis, and you need to comparison shop both to get a complete price analysis.

Much more information about auto insurance in Minnesota can be read at the links below