The best way to find cheaper Honda Civic insurance is to start comparing rates regularly from insurers in Aurora.
- Take a little time to learn about individual coverages and the modifications you can make to drop your rates. Many rating criteria that cause rate increases such as distracted driving and a poor credit score can be controlled by paying attention to minor details.
- Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO and State Farm, while independent agencies can provide rate quotes from multiple companies.
- Compare the price quotes to your existing rates and determine if there is any savings. If you find better rates and change companies, make sure coverage does not lapse between policies.
- Provide adequate notice to your current company of your intention to cancel your current car insurance policy. Submit any necessary down payment along with the completed application for the new coverage. Once the application is submitted, store the proof of insurance certificate in a readily accessible location in your vehicle.
A good piece of advice is that you’ll want to compare the same coverage limits and deductibles on each quote request and and to get price estimates from as many car insurance companies as possible. This helps ensure a level playing field and the best price quote selection.
It’s safe to assume that insurance companies want to keep you from comparing prices. Insureds who compare rates annually are highly likely to switch companies because they stand a good chance of finding a more affordable policy. A recent study showed that people who compared rates regularly saved $860 a year compared to those who don’t make a habit of comparing rates.
If finding the cheapest price on insurance in Aurora is why you’re reading this, knowing how to choose a company and compare cheaper coverage can make it easier to shop your coverage around.
These tips will help you learn how to effectively get price quotes and some tricks to saving. If you have a policy now, you will most likely be able to reduce the price you pay using these tips. Vehicle owners just have to know the proper way to shop using one simple form.
The companies shown below can provide quotes in Colorado. If you want the cheapest auto insurance in Aurora, it’s highly recommended you visit several of them to get the best price comparison.
Affordable Aurora insurance rates with discounts
Car insurance can cost a lot, but there are discounts available that many consumers don’t even know exist. A few discounts will automatically apply when you get a quote, but occasionally some discounts must be specifically requested in order for you to get them. If you are not receiving all the discounts available, you’re paying more than you need to.
- Defensive Driver Discount – Taking part in a defensive driving class may get you a small discount and easily pay for the cost of the class.
- Theft Deterrent System – Cars, trucks, and SUVs optioned with advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Lower Rates for Military – Having an actively deployed family member could mean lower premium rates.
- Safe Driver Discounts – Drivers who avoid accidents can save as much as half off their rates compared to accident prone drivers.
- Payment Discounts – If you can afford to pay the entire bill rather than spreading payments over time you may reduce your total bill.
- ABS Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes prevent accidents so you can save 10 percent or more.
- Driver Education Discount – It’s a good idea to have your young drivers successfully take a driver’s education course if offered at their school.
- Student in College – Any of your kids who live away from home to go to college and don’t have a car may be insured at a cheaper rate.
- Mature Driver Discount – If you’re over the age of 55, you may be able to get better insurance rates.
- Accident Free – Good drivers with no accidents are rewarded with significantly better rates on Aurora car insurance quote as compared to accident-prone drivers.
Discounts save money, but please remember that most credits do not apply to all coverage premiums. The majority will only reduce specific coverage prices like comprehensive or collision. Just because it seems like it’s possible to get free car insurance, you aren’t that lucky.
The example below illustrates the comparison of Honda Civic insurance costs with and without discounts applied to the rates. The prices are based on a male driver, no violations or claims, Colorado state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, homeowner, multi-car, and safe-driver discounts applied.
Larger insurance companies and a partial list of their discounts are shown below.
- GEICO may offer discounts for good student, defensive driver, anti-lock brakes, federal employee, emergency military deployment, military active duty, and multi-policy.
- Mercury Insurance may have discounts that include good student, accident-free, type of vehicle, low natural disaster claims, multi-car, and ease of repair.
- Farmers Insurance includes discounts for good student, switch companies, youthful driver, business and professional, and electronic funds transfer.
- Auto-Owners Insurance offers discounts including student away at school, teen driver, company car, anti-theft, paperless, group or association, and good student.
- Liberty Mutual has savings for multi-policy, new move discount, newly married, multi-car, good student, and new vehicle discount.
- SAFECO offers discounts for safe driver, teen safe driver, drive less, teen safety rewards, bundle discounts, and accident prevention training.
- Progressive policyholders can earn discounts including homeowner, online quote discount, multi-policy, good student, continuous coverage, and online signing.
- USAA discounts include military installation, annual mileage, vehicle storage, defensive driver, driver training, and loyalty savings.
Before you buy a policy, ask each insurance company which discounts they offer. A few discounts may not be offered in Aurora. To choose insurance companies that offer some of these discounts in Aurora, click here.
Analysis of coverages
The information displayed below outlines a range of insurance prices for Honda Civic models. Knowing how insurance prices are figured can help drivers make decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $230 | $448 | $358 | $22 | $108 | $1,166 | $97 |
| Civic VP 4-Dr Sedan | $230 | $528 | $358 | $22 | $108 | $1,246 | $104 |
| Civic LX 4-Dr Sedan | $230 | $528 | $358 | $22 | $108 | $1,246 | $104 |
| Civic DX 2-Dr Coupe | $230 | $528 | $448 | $26 | $134 | $1,366 | $114 |
| Civic EX 4-Dr Sedan | $230 | $528 | $358 | $22 | $108 | $1,246 | $104 |
| Civic LX-S 4-Dr Sedan | $230 | $528 | $358 | $22 | $108 | $1,246 | $104 |
| Civic LX 2-Dr Coupe | $230 | $608 | $448 | $26 | $134 | $1,446 | $121 |
| Civic EX-L 4-Dr Sedan | $264 | $608 | $358 | $22 | $108 | $1,360 | $113 |
| Civic SI 4-Dr Sedan | $264 | $608 | $358 | $22 | $108 | $1,360 | $113 |
| Civic EX 2-Dr Coupe | $264 | $608 | $448 | $26 | $134 | $1,480 | $123 |
| Civic GX 4-Dr Sedan | $264 | $608 | $358 | $22 | $108 | $1,360 | $113 |
| Civic EX-L 2-Dr Coupe | $264 | $608 | $448 | $26 | $134 | $1,480 | $123 |
| Civic Hybrid 4-Dr Sedan | $298 | $528 | $358 | $22 | $108 | $1,314 | $110 |
| Civic SI 2-Dr Coupe | $298 | $688 | $448 | $26 | $134 | $1,594 | $133 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rate information does not factor in specific location information which can decrease or increase price quotes substantially.
Policy deductible comparison
One common question asked by Aurora drivers is how high should the physical damage coverage deductibles be. The data tables below determine the difference in cost between high and low deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $236 | $458 | $352 | $20 | $106 | $1,197 | $100 |
| Civic VP 4-Dr Sedan | $236 | $538 | $352 | $20 | $106 | $1,277 | $106 |
| Civic LX 4-Dr Sedan | $236 | $538 | $352 | $20 | $106 | $1,277 | $106 |
| Civic DX 2-Dr Coupe | $236 | $538 | $440 | $26 | $132 | $1,397 | $116 |
| Civic EX 4-Dr Sedan | $236 | $538 | $352 | $20 | $106 | $1,277 | $106 |
| Civic LX-S 4-Dr Sedan | $236 | $538 | $352 | $20 | $106 | $1,277 | $106 |
| Civic LX 2-Dr Coupe | $236 | $620 | $440 | $26 | $132 | $1,479 | $123 |
| Civic EX-L 4-Dr Sedan | $272 | $620 | $352 | $20 | $106 | $1,395 | $116 |
| Civic SI 4-Dr Sedan | $272 | $620 | $352 | $20 | $106 | $1,395 | $116 |
| Civic EX 2-Dr Coupe | $272 | $620 | $440 | $26 | $132 | $1,515 | $126 |
| Civic GX 4-Dr Sedan | $272 | $620 | $352 | $20 | $106 | $1,395 | $116 |
| Civic EX-L 2-Dr Coupe | $272 | $620 | $440 | $26 | $132 | $1,515 | $126 |
| Civic Hybrid 4-Dr Sedan | $306 | $538 | $352 | $20 | $106 | $1,347 | $112 |
| Civic SI 2-Dr Coupe | $306 | $702 | $440 | $26 | $132 | $1,631 | $136 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $146 | $288 | $352 | $20 | $106 | $912 | $76 |
| Civic VP 4-Dr Sedan | $146 | $340 | $352 | $20 | $106 | $964 | $80 |
| Civic LX 4-Dr Sedan | $146 | $340 | $352 | $20 | $106 | $964 | $80 |
| Civic DX 2-Dr Coupe | $146 | $340 | $440 | $26 | $132 | $1,084 | $90 |
| Civic EX 4-Dr Sedan | $146 | $340 | $352 | $20 | $106 | $964 | $80 |
| Civic LX-S 4-Dr Sedan | $146 | $340 | $352 | $20 | $106 | $964 | $80 |
| Civic LX 2-Dr Coupe | $146 | $390 | $440 | $26 | $132 | $1,134 | $95 |
| Civic EX-L 4-Dr Sedan | $168 | $390 | $352 | $20 | $106 | $1,036 | $86 |
| Civic SI 4-Dr Sedan | $168 | $390 | $352 | $20 | $106 | $1,036 | $86 |
| Civic EX 2-Dr Coupe | $168 | $390 | $440 | $26 | $132 | $1,156 | $96 |
| Civic GX 4-Dr Sedan | $168 | $390 | $352 | $20 | $106 | $1,036 | $86 |
| Civic EX-L 2-Dr Coupe | $168 | $390 | $440 | $26 | $132 | $1,156 | $96 |
| Civic Hybrid 4-Dr Sedan | $190 | $340 | $352 | $20 | $106 | $1,008 | $84 |
| Civic SI 2-Dr Coupe | $190 | $442 | $440 | $26 | $132 | $1,230 | $103 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in vehicle location which can decrease or increase price quotes noticeably.
We can derive from the above data that using a $250 deductible costs roughly $28 more each month or $336 each year than requesting the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 27 months between claim filings, you would more than likely save some money if you decide on a higher deductible.
The diagram below demonstrates how deductibles and can raise or lower Honda Civic insurance costs for different age groups. Data assumes a married female driver, comp and collision included, and no discounts are factored in.
Auto insurance premiums by gender
The example below illustrates the comparison of Honda Civic car insurance rates for male and female drivers. The premium estimates are based on no claims or driving violations, full coverage, $500 deductibles, drivers are single, and no discounts are applied to the premium.
The Honda Civic Insurance Price Equation
The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that help calculate the price you pay for auto insurance. If you understand what influences your rates, this allows you to make good choices that will entitle you to big savings. Many things are part of the equation when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, but other criteria are more transparent like your vehicle usage or how safe your car is.
The items below are some of the items used by companies to determine your prices.
- How much liability insurance – Liability coverage provides coverage when you are found to be at fault for damages caused by your negligence. Liability insurance provides legal defense coverage to defend your case. Liability insurance is pretty cheap compared to comp and collision, so buy as much as you can afford.
- No policy gaps is important – Allowing your auto insurance policy to lapse is a fast way to increase your auto insurance rates. In addition to paying higher premiums, the inability to provide proof of insurance may earn you a revoked license or a big fine.
- Poor credit history equals high rates – Having a bad credit history is likely to be a major factor in calculating your premium rate. If your credit rating is lower than you’d like, you may save money insuring your Honda Civic if you clean up your credit. Insureds that have very good credit scores tend to file fewer claims than drivers who have poor credit.
- Bundle policies and save money – Most insurance companies apply lower prices for people that have more than one policy, otherwise known as a multi-policy discount. Even if you already get this discount, you may still want to get quotes from other companies to confirm you are receiving the best rates possible.
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Insurance loss probability for a Honda Civic – Insurers study historical loss data when setting premium rates. Models that statistically have higher claim frequency or loss amount will have a higher premium rate.
The table below illustrates the actual insurance loss data for Honda Civic vehicles. For each coverage category, the claim probability for all vehicles, without regard to make or model, equals 100. Numbers shown that are under 100 mean the vehicle has better than average losses, while percentage numbers above 100 point to more claims or an increased likelihood of larger losses.
Honda Civic Insurance Loss Statistics Specific Honda Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Honda Civic 92 105 68 127 135 121 Honda Civic Hybrid 90 85 106 105 78 Honda Civic Si 126 97 117 124 104 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Insurance agents can help
A lot of people just want to sit down with an agent and that is not a bad decision Professional insurance agents can help determine the best coverages and help submit paperwork. A nice benefit of getting online price quotes is the fact that drivers can get cheap insurance rates and also buy local. Buying from local insurance agents is especially important in Aurora.
For easy comparison, once you complete this form (opens in new window), your coverage information is instantly submitted to companies in Aurora who will return price quotes for your insurance coverage. It makes it easy because there is no need to drive around due to the fact that quote results will go to you. If you want to compare rates from one company in particular, don’t hesitate to go to their quote page and submit a quote form there.
If you are searching for a good insurance agency, you should know the different types of agents and how they can write your policy. Insurance agencies can be categorized as either independent (non-exclusive) or exclusive. Both can sell affordable insurance policies, but it’s good to learn how they differ because it may have an impact on the selection process.
Independent Agents
Agents in the independent channel are appointed with more than one company so they have the ability to put coverage through many companies and find you cheaper rates. If they find a cheaper price, they simply switch companies in-house which is easy for the insured.
If you are trying to find cheaper rates, we highly recommend that you check rates from multiple independent agents to ensure the widest selection of prices.
Listed below is a small list of independent insurance agencies in Aurora that can give you comparison quotes.
Dickson Insurance Agency
4093 S Olathe Ct – Aurora, CO 80013 – (303) 693-1936 – View Map
A All City Auto Insurance
9720 E Colfax Ave – Aurora, CO 80010 – (303) 364-0555 – View Map
A Complete Home and Auto Insurance Agency
1080 S Sable Blvd – Aurora, CO 80012 – (303) 344-2886 – View Map
Exclusive Insurance Agencies
These type of agents can only place business with one company such as American Family, State Farm, and Allstate. Exclusive agencies are unable to give you multiple price quotes so they have to upsell other benefits. Exclusive agents are trained well on sales techniques which aids in selling service over price.
Listed below is a short list of exclusive agents in Aurora who can help you get price quotes.
American Family Insurance – Rob Owens
20941 E Smoky Hill Rd Unit G – Aurora, CO 80015 – (303) 693-8877 – View Map
Mark Vissering – State Farm Insurance Agent
1852 S Havana St – Aurora, CO 80012 – (303) 745-0034 – View Map
Melissa Kitowski – State Farm Insurance Agent
13750 E Rice Pl Ste 101 – Aurora, CO 80015 – (303) 680-6666 – View Map
Finding a good car insurance agent should include more criteria than just a cheap quote. The answers to these questions are important, too.
- If your car is in the repair shop, do you have coverage for a rental car?
- Is the agent and/or agency licensed to do business in Colorado?
- Does the company use OEM repair parts?
- How is replacement cost determined on your vehicle?
- Do the companies they represent have a solid financial rating?
- Do the coverages you’re quoting properly cover your vehicle?
Which policy gives me the best coverage?
When it comes to buying proper insurance coverage, there really is not a cookie cutter policy. Every insured’s situation is different.
For instance, these questions could help you determine if your situation might need professional guidance.
- Will my Honda Civic be repaired with OEM or aftermarket parts?
- When should my teen driver be added to my policy?
- Is pleasure use cheaper than using my Honda Civic to commute?
- What is roadside assistance coverage?
- Am I covered if I hit my neighbor’s mailbox?
- What should my uninsured motorist coverage limits be in Colorado?
- Are there companies who specialize in insuring high-risk drivers?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Frequent quotes can save
The cheapest Honda Civic insurance in Aurora can be sourced both online in addition to local insurance agencies, so you should compare both to have the best rate selection. Some companies may not provide rates over the internet and usually these regional insurance providers sell through independent agents.
People who switch companies do it for a number of reasons such as not issuing a premium refund, high rates after DUI convictions, extreme rates for teen drivers and delays in responding to claim requests. Whatever your reason, finding a great new company can be easy and end up saving you some money.
When searching for affordable Honda Civic insurance quotes, never buy poor coverage just to save money. There are a lot of situations where consumers will sacrifice liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The goal is to find the BEST coverage at the best possible price.
More resources
- Neck Injury FAQ (iihs.org)
- What Car Insurance is Cheapest for 4×4 Vehicles in Aurora? (FAQ)
- What Insurance is Cheapest for a Chevrolet Traverse in Aurora? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Teenage Males in Aurora? (FAQ)
- What Insurance is Cheapest for a Honda Civic in Aurora? (FAQ)
- What Insurance is Cheapest for a Jeep Grand Cherokee in Aurora? (FAQ)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Auto Insurance 101 (About.com)
- Understanding your Policy (NAIC.org)
- Top Signs Your Brakes are Giving Out (State Farm)