Comparison shopping for more affordable Honda Civic insurance in Raleigh may be kind of frustrating for beginners to quoting and comparing prices online. You have so many options available that it can easily become a ton of work to locate the lowest price in North Carolina.

Discount Honda Civic insuranceShockingly, a large majority of insurance policyholders in North Carolina have been with the same company for well over three years, and nearly half have never compared rates from other carriers. The average driver in America can save hundreds of dollars each year, but they don't believe the actual amount they would save if they switched.

It's a good habit to quote other rates before your next renewal because insurance prices tend to go up over time. Just because you found the lowest price on Honda Civic insurance in Raleigh a couple years back there is a good chance you can find better rates now. There is lot of inaccurate information about Civic insurance out there, but in a few minutes you can learn some of the best techniques to find cheap insurance in Raleigh.

These tips will teach you the best way to quote coverages and some tips to save money. If you currently have car insurance, you will most likely be able to shop for the lowest rates using the concepts you're about to learn. But North Carolina car owners need to learn the way insurance companies set your policy premium and use it to your advantage.

What Determines Honda Civic Insurance Costs?

Smart consumers have a good feel for the different types of things that go into determining car insurance rates. When consumers understand what impacts premium levels, this helps enable you to make changes that could result in better car insurance rates.

Buy Raleigh Honda Civic insurance online

When comparison shopping, there are several ways to compare rate quotes from many available auto insurance companies in North Carolina. The recommended way to find competitive Honda Civic insurance rates is to jump online and get quotes.

When comparing auto insurance rates, know that comparing a large number of companies gives you a better chance of getting the best offered rates.

The companies shown below can provide comparison quotes in North Carolina. If multiple companies are shown, we suggest you visit several of them in order to get a fair rate comparison.

Honda Civic Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $94 $188 $256 $16 $76 $630 $53
Civic VP 4-Dr Sedan $90 $248 $282 $16 $84 $720 $60
Civic LX 4-Dr Sedan $186 $470 $336 $20 $100 $1,112 $93
Civic DX 2-Dr Coupe $118 $240 $408 $24 $122 $912 $76
Civic EX 4-Dr Sedan $160 $446 $262 $16 $78 $962 $80
Civic LX-S 4-Dr Sedan $162 $374 $254 $16 $76 $882 $74
Civic LX 2-Dr Coupe $182 $514 $318 $18 $96 $1,128 $94
Civic EX-L 4-Dr Sedan $192 $440 $250 $14 $74 $970 $81
Civic SI 4-Dr Sedan $184 $514 $282 $16 $84 $1,080 $90
Civic EX 2-Dr Coupe $166 $432 $326 $20 $98 $1,042 $87
Civic GX 4-Dr Sedan $214 $540 $336 $20 $100 $1,210 $101
Civic EX-L 2-Dr Coupe $134 $348 $326 $20 $98 $926 $77
Civic Hybrid 4-Dr Sedan $208 $432 $324 $20 $96 $1,080 $90
Civic SI 2-Dr Coupe $212 $572 $376 $22 $112 $1,294 $108
Get Your Own Custom Quote Go

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Price information does not factor in the specific area where the vehicle is garaged which can revise coverage prices greatly.

Honda Civic annual premiums for males versus females

The diagram below illustrates the difference between Honda Civic car insurance costs for male and female drivers. Data assumes no violations or accidents, comprehensive and collision coverage, $250 deductibles, single marital status, and no discounts are applied.

How accidents and tickets impact rates

The information below highlights how speeding tickets and fender-benders can impact Honda Civic annual premium costs for each different age group. The rate quotes are based on a married male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

Why you need auto insurance

Despite the potentially high cost of Honda Civic insurance, maintaining insurance may be required for several reasons.

The benefits of insuring your car greatly outweigh the cost, especially for larger claims. On average, a vehicle owner in Raleigh is overpaying over $865 each year so it's important to compare rates at every renewal to help ensure money is not being wasted.

Affordable Honda Civic insurance in Raleigh

Insuring your vehicles can cost a lot, but companies offer discounts that can dramatically reduce your bill. A few discounts will automatically apply when you purchase, but less common discounts must be specifically requested prior to receiving the credit.Cheaper car insurance with discounts

One thing to note about discounts is that most credits do not apply to the whole policy. A few only apply to specific coverage prices like liability and collision coverage. Even though the math looks like it's possible to get free car insurance, insurance companies wouldn't stay in business.

Auto insurance companies who may offer these discounts include:

It's a good idea to ask each company or agent which discounts you may be entitled to. All car insurance discounts might not apply in your area. To see insurance companies who offer free Honda Civic insurance quotes in Raleigh, click this link.

Local neighborhood insurance agents

A small number of people still prefer to visit with an insurance agent. One of the great benefits of comparing auto insurance online is the fact that you can find the lowest rates and still choose a local agent. Supporting local insurance agencies is especially important in Raleigh.

To help locate an agent, after submitting this form (opens in new window), your insurance data gets sent to companies in Raleigh that can provide free Raleigh auto insurance quotes for your auto insurance coverage. You won't need to contact any agents because quoted prices will be sent instantly to you. You can find lower rates AND a local agent. If for some reason you want to get a comparison quote from a specific auto insurance provider, you can always visit that company's website and submit a quote form there.

Choosing the best insurance company is decision based upon more than just the premium amount. Some important questions to ask are:

When do I need an agent's advice?

Always keep in mind that when comparing proper insurance coverage, there is no "perfect" insurance plan. Your needs are unique to you.Safe vehicles cost less to insure

These are some specific questions can aid in determining whether or not you would benefit from an agent's advice.

If you can't answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don't have a local agent, fill out this quick form.

Insurance savings summarized

Affordable Honda Civic insurance in Raleigh is attainable from both online companies and from local insurance agents, and you need to price shop both to have the best selection. Some insurance companies may not offer the ability to get a quote online and most of the time these regional carriers prefer to sell through independent insurance agencies.

Drivers leave their current company for many reasons like being labeled a high risk driver, lack of trust in their agent, delays in paying claims or denial of a claim. Regardless of your reason, choosing a new company is easier than you think.

When searching for low cost Raleigh auto insurance quotes, it's a bad idea to sacrifice coverage to reduce premiums. In many instances, an accident victim reduced liability coverage limits and learned later that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage at the best possible price, but do not skimp to save money.

More detailed insurance information is located in the articles below: