Insurance quote for Honda Civic in DenverDo you want to learn to get more affordable Honda Civic insurance in Denver? If you're looking for lower-cost insurance online, do you get confused by the sheer number of insurance sources in Denver? You're not alone. You have so many sources to choose from that it can really be a real hassle to locate the lowest prices for Honda Civic insurance in Denver. Everyone knows that Denver is the perfect city to reside in, but pricey insurance can make it impossible to afford coverage.

Unthinkable but true, a large majority of drivers have remained with the same insurance company for at least four years, and just under half have never compared insurance rates at all. The average driver in the United States could save as much as $860 every year by just shopping around, but they just feel it's too hard to compare rates and save money.

If you are paying for car insurance now, you should be able to save money using this strategy. Finding the lowest cost car insurance coverage in Denver is actually quite simple. But Colorado drivers should learn how big insurance companies compete online and take advantage of how the system works.

Insurance Rate Influencing Factors

Many things are considered when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but others are less apparent like your continuous coverage or your commute time.

The items below are some of the factors utilized by car insurance companies to help set premiums.

Insurance premiums and vehicle performance - The performance level of the car you own makes a substantial difference in your car insurance bill. Since the Honda Civic falls in the passenger car class, rates will be similar in price or lower than the average rate where you live in Denver. The lowest performance passenger cars generally receive the lowest base rates, but the final cost of insurance is determined by many other factors.

Where you call home is a factor - Choosing to live in smaller towns and rural areas of the country is a positive aspect when talking about car insurance. Urban drivers have to deal with more road rage incidents and longer commutes to work. Fewer people translates into fewer accident claims and a lower car theft rate.

Deter car thieves - Choosing to buy a car with anti-theft technology or alarm system can get you a discount on your car insurance. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent your car from being stolen.

Multi-policy discounts can save money - The majority of insurance companies allow discounts to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Discounts can add up to as much as ten percent or more Even if you already get this discount, consumers should still check prices from other companies to help guarantee you have the best rates.

Small claims can cost you - If you file a lot of claims you can expect either a policy non-renewal or much higher rates. Auto insurance companies in Colorado give better rates to drivers that do not abuse their auto insurance. Insurance coverage is intended for claims that you cannot pay yourself.

Lower rates for safer vehicles - Cars with high safety ratings tend to be cheaper to insure. These vehicles help reduce the chance of injuries in an accident and better occupant protection means lower claim amounts and lower rates for you. If your Honda Civic earned at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

Add-on coverages may not be needed - There are many extra coverages that can waste your money on your car insurance policy. Coverages for coverage for rental cars, accident forgiveness, and membership fees may not be needed and are just wasting money. These may sound like a good investment when discussing your needs, but if you've never needed them in the past get rid of them and save.

Honda Civic claim probability - Companies use claims history when determining insurance costs. Models that tend to have higher frequency or amount of claims will have higher rates for specific coverages. The next table illustrates the loss history for Honda Civic vehicles.

For each coverage type, the claim amount for all vehicles as a whole is represented as 100. Numbers that are below 100 indicate better than average losses, while values over 100 indicate more frequent losses or an increased chance of larger losses than average.

Honda Civic Insurance Loss Statistics

Make and 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
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years

When shopping for affordable Denver car insurance quotes, there are a couple of ways to get quotes from local Denver auto insurance companies. The recommended way to find the cheapest Honda Civic insurance rates involves getting comparison quotes online. Just remember that quoting more will enable you to find more affordable insurance. Some companies don't provide Denver Civic insurance quotes online, so it's necessary to compare price estimates from those companies as well.

The following companies have been selected to offer quotes in Colorado. If multiple companies are shown, it's highly recommended you visit several of them to get the lowest price.

Honda Civic Insurance Costs in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $174 $340 $362 $22 $108 $1,006 $84
Civic VP 4-Dr Sedan $226 $662 $396 $24 $118 $1,426 $119
Civic LX 4-Dr Sedan $126 $332 $396 $24 $118 $996 $83
Civic DX 2-Dr Coupe $166 $340 $576 $34 $172 $1,288 $107
Civic EX 4-Dr Sedan $166 $426 $396 $24 $118 $1,130 $94
Civic LX-S 4-Dr Sedan $114 $288 $338 $20 $100 $860 $72
Civic LX 2-Dr Coupe $166 $490 $462 $28 $138 $1,284 $107
Civic EX-L 4-Dr Sedan $214 $490 $358 $22 $108 $1,192 $99
Civic SI 4-Dr Sedan $272 $620 $352 $20 $106 $1,370 $114
Civic EX 2-Dr Coupe $310 $620 $576 $34 $172 $1,712 $143
Civic GX 4-Dr Sedan $272 $620 $352 $20 $106 $1,370 $114
Civic EX-L 2-Dr Coupe $234 $608 $496 $30 $148 $1,516 $126
Civic Hybrid 4-Dr Sedan $238 $458 $338 $20 $100 $1,154 $96
Civic SI 2-Dr Coupe $172 $406 $452 $26 $136 $1,192 $99
Get Your Own Custom Quote Go

Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Prices do not factor in garaging location in Denver which can affect prices noticeably.

Rate difference between full and liability-only coverage

The chart below shows the comparison of Honda Civic insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Colorado. The rates are based on no accidents, no driving violations, $500 deductibles, married female driver, and no discounts are factored in.

When to eliminate full coverage

There is no clear-cut rule to stop paying for full coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is more than 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let's assume your Honda Civic replacement cost is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $4,000 after the deductible is paid. If premiums are more than $400 annually for full coverage, then it's probably a good time to buy liability coverage only.

There are some circumstances where only buying liability is not financially feasible. If you haven't satisfied your loan, you have to carry full coverage as part of the loan requirements. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should not opt for liability only.

Rate comparison for different deductibles

The illustration below illustrates how your choice of deductibles and can increase or decrease Honda Civic insurance costs for each age group. The rates are based on a single female driver, full coverage, and no additional discounts are factored in.

How high should deductibles be?

One of the most common auto insurance questions is how low should you set your deductibles. The comparison tables below may help you to understand the premium difference between high and low physical damage coverage deductibles. The first pricing table uses a $100 deductible for comp and collision and the second rate chart uses a $1,000 deductible.

Honda Civic insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $264 $546 $352 $20 $106 $1,313 $109
Civic VP 4-Dr Sedan $264 $644 $352 $20 $106 $1,411 $118
Civic LX 4-Dr Sedan $264 $644 $352 $20 $106 $1,411 $118
Civic DX 2-Dr Coupe $264 $644 $440 $26 $132 $1,531 $128
Civic EX 4-Dr Sedan $264 $644 $352 $20 $106 $1,411 $118
Civic LX-S 4-Dr Sedan $264 $644 $352 $20 $106 $1,411 $118
Civic LX 2-Dr Coupe $264 $740 $440 $26 $132 $1,627 $136
Civic EX-L 4-Dr Sedan $302 $740 $352 $20 $106 $1,545 $129
Civic SI 4-Dr Sedan $302 $740 $352 $20 $106 $1,545 $129
Civic EX 2-Dr Coupe $302 $740 $440 $26 $132 $1,665 $139
Civic GX 4-Dr Sedan $302 $740 $352 $20 $106 $1,545 $129
Civic EX-L 2-Dr Coupe $302 $740 $440 $26 $132 $1,665 $139
Civic Hybrid 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
Civic SI 2-Dr Coupe $342 $838 $440 $26 $132 $1,803 $150
Get Your Own Custom Quote Go
Honda Civic insurance rates with $1,000 deductibles
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

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can increase or decrease premiums considerably.

Using the data above, we can ascertain that using a $100 deductible costs approximately $40 more each month or $480 each year than requesting the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you average at least 23 months between claim filings, you would more than likely save some money if you decide on a higher deductible.

Auto insurance protects more than just your car

Even though Denver Civic insurance rates can get expensive, insurance is required in Colorado but it also protects you in many ways.

The benefits of having insurance are definitely more than the cost, especially with large liability claims. On average, a vehicle owner in Denver is overpaying more than $855 a year so it's important to compare rates once a year at a minimum to ensure rates are inline.

Check for these discounts

Auto insurance is neither fun to buy or cheap, but discounts can save money and there are some available that could drop your premiums quite a bit. Some of these discounts will be visible at the time of quoting, but some discounts are required to be specifically requested before they will apply. If you are not receiving all the discounts you deserve, it's possible you qualify for a lower rate.Cheaper auto insurance with discounts

Please keep in mind that most discounts do not apply the the whole policy. Most only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, it just doesn't work that way.

Car insurance companies who may offer these money-saving discounts are:

If you need affordable Honda Civic insurance quotes, ask all the companies which discounts you qualify for. Some credits may not be offered in your state. To view insurance companies that offer discounts in Denver, click here to view.

Comparing rates from local Denver insurance agents

Many drivers prefer to have an agent's advice. The biggest benefit of getting online price quotes is that drivers can save money and get lower prices and also buy local.

Insurance agents in DenverBy using this simple form, your information is sent to insurance agents in Denver that can give you free Denver car insurance quotes for your coverage. You don't have to search for an agent since rate quotes are delivered to your email. You can find the lowest rates AND a local agent. If for some reason you want to compare rates from a specific auto insurance provider, you would need to go to their quote page and fill out their quote form.

Finding the right company requires more thought than just a cheap price. A good agent in Denver will have answers to these questions.

It's not one size fits all

When quoting and choosing coverage, there isn't really a one size fits all plan. Each situation is unique so your insurance needs to address that.Drive safe and save For example, these questions can help discover whether your personal situation might need an agent's assistance.

If you can't answer these questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Be persistent and save

You just read a lot of tips how to save on Honda Civic insurance in Denver. The most important thing to understand is the more companies you get prices for, the more likely it is that you will get a better rate. You may even find the biggest savings come from some of the smallest insurance companies. Smaller companies can often provide lower prices in certain areas compared to the large companies like State Farm or Progressive.

Cost effective Honda Civic insurance can be sourced from both online companies in addition to local insurance agencies, and you should compare rates from both so you have a total pricing picture. Some companies may not offer online price quotes and usually these small insurance companies only sell through independent agents.

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