Have you had enough of wondering where the money will come from to buy car insurance? You are no different than millions of other drivers.

Discount Honda Civic insuranceUnbelievable but true, most consumers in Colorado have remained with the same car insurance company for over three years, and practically 40% of car insurance customers have never compared quotes from other companies. American insurance shoppers could cut their rates by up to $850 a year by just comparing rate quotes, but they don't understand how simple it is to compare rates and save money.

Many insurers vie for your business, so it's not easy to compare every insurance company and get the definite lowest rate on Honda Civic insurance in Aurora.

You should make it a habit to shop coverage around before your policy renews because prices go up and down regularly. Even if you got the best price on Honda Civic insurance in Aurora a few years ago there may be better deals available now. Forget all the misinformation about car insurance because you're about to learn the tricks you need to know to eliminate unnecessary coverages and save money on Honda Civic insurance in Aurora.

If you have insurance now, you will be able to buy cheaper car insurance using the techniques presented in this article. Buying the cheapest car insurance in Aurora is really quite simple as long as you have a good starting point. But Colorado drivers must learn how big insurance companies determine premium rates.

When comparing insurance rates, know that comparing all the rates in your area helps increase your odds of locating more affordable insurance.

The auto insurance companies shown below offer quotes in Aurora, CO. If multiple companies are shown, it's a good idea that you visit as many as you can to get the best price comparison.

Honda Civic Insurance Price Estimates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $236 $458 $352 $20 $106 $1,172 $98
Civic VP 4-Dr Sedan $140 $384 $456 $28 $136 $1,144 $95
Civic LX 4-Dr Sedan $174 $400 $362 $22 $108 $1,066 $89
Civic DX 2-Dr Coupe $300 $644 $576 $34 $172 $1,726 $144
Civic EX 4-Dr Sedan $256 $630 $358 $22 $108 $1,374 $115
Civic LX-S 4-Dr Sedan $214 $534 $474 $28 $142 $1,392 $116
Civic LX 2-Dr Coupe $166 $490 $496 $30 $148 $1,330 $111
Civic EX-L 4-Dr Sedan $190 $516 $396 $24 $118 $1,244 $104
Civic SI 4-Dr Sedan $144 $382 $368 $22 $110 $1,026 $86
Civic EX 2-Dr Coupe $294 $726 $448 $26 $134 $1,628 $136
Civic GX 4-Dr Sedan $232 $614 $330 $20 $98 $1,294 $108
Civic EX-L 2-Dr Coupe $252 $500 $576 $34 $172 $1,534 $128
Civic Hybrid 4-Dr Sedan $242 $426 $358 $22 $108 $1,156 $96
Civic SI 2-Dr Coupe $186 $508 $532 $32 $160 $1,418 $118
Get Your Own Custom Quote Go

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Information does not factor in specific zip code location which can revise coverage rates noticeably.

Policy deductible comparison

The hardest decision when buying coverage is which deductible level should you buy. The following insurance rates may help to illustrate how much more rates are when you buy lower versus higher policy deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $500 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 $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $192 $368 $352 $20 $106 $1,038 $87
Civic VP 4-Dr Sedan $192 $434 $352 $20 $106 $1,104 $92
Civic LX 4-Dr Sedan $192 $434 $352 $20 $106 $1,104 $92
Civic DX 2-Dr Coupe $192 $434 $440 $26 $132 $1,224 $102
Civic EX 4-Dr Sedan $192 $434 $352 $20 $106 $1,104 $92
Civic LX-S 4-Dr Sedan $192 $434 $352 $20 $106 $1,104 $92
Civic LX 2-Dr Coupe $192 $500 $440 $26 $132 $1,290 $108
Civic EX-L 4-Dr Sedan $220 $500 $352 $20 $106 $1,198 $100
Civic SI 4-Dr Sedan $220 $500 $352 $20 $106 $1,198 $100
Civic EX 2-Dr Coupe $220 $500 $440 $26 $132 $1,318 $110
Civic GX 4-Dr Sedan $220 $500 $352 $20 $106 $1,198 $100
Civic EX-L 2-Dr Coupe $220 $500 $440 $26 $132 $1,318 $110
Civic Hybrid 4-Dr Sedan $250 $434 $352 $20 $106 $1,162 $97
Civic SI 2-Dr Coupe $250 $566 $440 $26 $132 $1,414 $118
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 multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price estimates do not factor in zip code location which can affect price quotes greatly.

Based on these figures, using a $100 deductible costs an average of $27 more each month or $324 each year than requesting the higher $500 deductible. Since you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you go at least 15 months between claim filings, you would most likely save money going with the higher deductible.

Get cheaper Honda Civic insurance rates in Aurora

Companies don't necessarily list every policy discount very clearly, so the list below details both the well known as well as some of the hidden credits available to lower your premiums when you buy Aurora car insurance online. If they aren't giving you every credit you qualify for, you are just wasting money.Cheaper insurance with discounts

We need to note that most credits do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think it's possible to get free car insurance, nobody gets a free ride.

To see insurance companies that can offer you the previously mentioned discounts in Colorado, click here.

Local Aurora insurance agents

A small number of people still like to talk to an insurance agent and that can be a great decision An additional benefit of getting online price quotes is the fact that you can find the lowest rates and also buy local. Buying insurance from local agencies is still important in Aurora.

Insurance agents in AuroraTo help locate an agent, after submitting this quick form, the quote information is instantly submitted to insurance agents in Aurora that give free quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to search for an agent since rate quotes are delivered straight to your inbox. You can get cheaper auto insurance rates and an insurance agent to talk to. If you have a need to get a price quote for a specific company, feel free to find their quoting web page and give them your coverage information.

If you would like to find a local Aurora insurance agent, there are a couple of types of insurance agents and how they work. Auto insurance agents can be described as either exclusive or independent agents depending on their company appointments.

Independent Auto Insurance Agents

Agents of this type do not work for one specific company so as a result can place your coverage with a variety of different insurance companies and possibly get better coverage at lower prices. If you want to switch companies, they simply move the coverage in-house which is easy for the insured. When searching for an agent, you absolutely need to include rate quotes from a couple of independent agencies to maximize your price options.

Listed below is a short list of independent insurance agents in Aurora that may be able to provide free auto insurance rate quotes.

A Complete Auto Insurance Agency
543 Sable Blvd - Aurora, CO 80011 - (303) 650-0060 - View Map


4093 S Olathe Ct - Aurora, CO 80013 - (303) 693-1936 - View Map


3033 S Parker Rd #120 - Aurora, CO 80014 - (303) 752-6479 - View Map

More insurance agents

Exclusive Auto Insurance Agencies

These agents can only quote rates from one company such as Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot shop your coverage around so always compare other rates. They are well trained on what they offer which aids in selling service over price.

The following are exclusive agencies in Aurora that are able to give rate quotes.


2821 S Parker Rd #235 - Aurora, CO 80014 - (720) 789-7980 - View Map

Stan Kellogg - State Farm Insurance Agent
15434 E Orchard Rd - Aurora, CO 80016 - (303) 699-2288 - View Map


15062 E Mississippi Ave - Aurora, CO 80012 - (303) 750-5555 - View Map

More insurance agents

Picking the best insurance agency requires more thought than just a cheap quote. Any agent in Aurora should have no problem answering these questions:

Components of Your Honda Civic Insurance Prices

Consumers need to have an understanding of a few of the rating criteria that play a part in calculating your auto insurance rates. When you understand what determines premiums, this helps enable you to make changes that can earn you lower rates. Many factors are used when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but some are more obscure such as whether you are married or your financial responsibility.

The itemized list below are most of the major factors utilized by car insurance companies to help set prices.

Auto insurance just makes sense

Despite the high cost, paying for auto insurance serves several important purposes.

First, most states have minimum liability requirements which means you are required to carry a specific minimum amount of liability insurance coverage in order to drive the car. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.

Second, if your Honda Civic has a lienholder, most lenders will require you to carry insurance to ensure loan repayment if the vehicle is totalled. If you do not pay your insurance premiums, the bank may buy a policy for your Honda at a significantly higher premium and require you to fork over the higher premium.

Third, insurance safeguards not only your vehicle but also your financial assets. Insurance will also pay for medical transport and hospital expenses for yourself as well as anyone injured by you. Liability insurance also covers legal expenses in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of buying enough insurance greatly outweigh the cost, particularly if you ever have a claim. Today the average American driver is wasting up to $869 every year so you should quote and compare rates at least once a year to make sure the price is not too high.

Cheap insurance rates are possible

When getting Aurora car insurance quotes online, it's not a good idea to buy less coverage just to save a little money. There are too many instances where someone dropped comprehensive coverage or liability limits only to regret they didn't purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at a price you can afford but still have enough coverage for asset protection.

Lower-priced insurance in Aurora is definitely available online and with local Aurora insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers do not offer the ability to get quotes online and these small, regional companies only sell coverage through local independent agencies.

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