Save Money on Honda Civic Insurance in Chula Vista

It’s an obvious conclusion that car insurance companies want to keep you from comparing prices. Consumers who shop around for cheaper rates are very likely to buy a different policy because there is a significant possibility of finding lower prices. A recent auto insurance study revealed that consumers who regularly shopped around saved an average of $865 a year as compared to drivers who never shopped around for cheaper prices.

If finding the lowest price for Honda Civic insurance in Chula Vista is your objective, then having some insight into the best way to shop and compare insurance premiums can make it easier for you to save money.

Insurance rates Honda Civic in Chula VistaIf you want to find the absolute lowest rates, then the best way to find affordable car insurance rates in Chula Vista is to annually compare prices from insurance carriers that sell auto insurance in California. Prices can be compared by following these steps.

One piece of advice is to use similar deductibles and liability limits on every price quote and and to get quotes from as many different insurance providers as possible. This guarantees the most accurate price comparison and plenty of rates choose from.

Best companies for low-cost Honda Civic insurance in California

The companies shown below are ready to provide comparison quotes in Chula Vista, CA. If your goal is to find the best auto insurance in CA, we recommend you visit as many as you can in order to find the most affordable rates.

Detailed insurance information

The price information displayed next covers detailed analysis of rate quotes for Honda Civic models. Understanding more about how policy premiums are determined is important to be able to make smart choices when buying a policy.

Honda Civic Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $180 $416 $534 $32 $160 $1,322 $110
Civic VP 4-Dr Sedan $180 $490 $534 $32 $160 $1,396 $116
Civic LX 4-Dr Sedan $180 $490 $534 $32 $160 $1,396 $116
Civic DX 2-Dr Coupe $180 $490 $668 $40 $200 $1,578 $132
Civic EX 4-Dr Sedan $180 $490 $534 $32 $160 $1,396 $116
Civic LX-S 4-Dr Sedan $180 $490 $534 $32 $160 $1,396 $116
Civic LX 2-Dr Coupe $180 $564 $668 $40 $200 $1,652 $138
Civic EX-L 4-Dr Sedan $206 $564 $534 $32 $160 $1,496 $125
Civic SI 4-Dr Sedan $206 $564 $534 $32 $160 $1,496 $125
Civic EX 2-Dr Coupe $206 $564 $668 $40 $200 $1,678 $140
Civic GX 4-Dr Sedan $206 $564 $534 $32 $160 $1,496 $125
Civic EX-L 2-Dr Coupe $206 $564 $668 $40 $200 $1,678 $140
Civic Hybrid 4-Dr Sedan $234 $490 $534 $32 $160 $1,450 $121
Civic SI 2-Dr Coupe $234 $638 $668 $40 $200 $1,780 $148
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rates do not factor in zip code location which can affect price quotes noticeably.

Impact of violations and accidents on rates

The chart below shows how traffic citations and fender-benders drive up Honda Civic yearly insurance costs for different age groups of insureds. The information is based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.

Insurance discounts are available for cheaper rates

Companies offering auto insurance don’t list all discounts very clearly, so the list below details some of the more common as well as some of the hidden discounts you could be receiving when you buy Chula Vista car insurance online.Insurance discounts

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Most cut the price of certain insurance coverages like comp or med pay. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way. Any qualifying discounts will help reduce the cost of your policy.

The illustration below shows the difference between Honda Civic car insurance rates with and without discounts. The premiums assume a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, claim-free, multi-policy, marriage, and homeowner discounts applied.

A partial list of companies that may include these discounts include:

Before you buy a policy, ask all the companies to apply every possible discount. Depending on the company, some discounts might not apply in Chula Vista. If you would like to see a list of providers who offer free Honda Civic insurance quotes in California, follow this link.

Get Honda Civic Insurance More Affordably

Part of the car insurance buying process is learning some of the factors that help determine the price you pay for car insurance. When consumers understand what determines base rates, this allows you to make good choices that can earn you lower rates.

What is the best insurance coverage?

When buying coverage online or from an agent, there really is not a perfect coverage plan. Every insured’s situation is different.Drive safe and save

For instance, these questions can aid in determining if your situation may require specific advice.

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

When to have guidance from an insurance agent

A lot of people just want to buy from a licensed agent and that is just fine! Good agents are trained to spot inefficiencies and help in the event of a claim. One of the best bonuses of comparing rates online is you can get better rates but still work with a licensed agent.

Find insurance agent in Chula VistaOnce you complete this simple form, the coverage information is immediately sent to local insurance agents in Chula Vista who want to provide quotes for your insurance coverage. You don’t have to find an agent on your own due to the fact that quote results will go to you instantly. In the event you want to get a rate quote from a specific insurance company, you just need to go to their quote page and fill out their quote form.

Finding a good company needs to be determined by more than just a cheap price. These are some valid questions you should ask.

Auto insurance companies ranked

Insuring your vehicle with a highly-rated company can be a challenge considering how many choices you have in Chula Vista. The rank data in the next section may help you analyze which insurers you want to consider comparing price quotes from.

Top 10 Chula Vista Car Insurance Companies Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

Quote more to save more

We just covered many ways to compare Honda Civic insurance premium rates in Chula Vista. The most important thing to understand is the more you quote Chula Vista car insurance, the better likelihood of getting the cheapest Honda Civic rate quotes. You may even discover the biggest savings come from an unexpected company.

Cheap Honda Civic insurance in Chula Vista is definitely available from both online companies and from local agencies, and you should compare rates from both to have the best selection. Some companies don’t offer online rate quotes and these small insurance companies only sell through local independent agencies.

When trying to cut insurance costs, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many situations where an insured cut uninsured motorist or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage at the best possible price but still have enough coverage for asset protection.

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