If you want to save money, the best way to get low-cost Honda Civic insurance is to start comparing prices regularly from companies in Buffalo. This can be done by following these guidelines.
Step 1: Try to learn about how companies price auto insurance and the measures you can control to keep rates in check. Many factors that result in higher prices such as tickets, at-fault accidents, and a negative credit score can be improved by making minor changes in your lifestyle.
Step 2: Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from one company like Progressive and State Farm, while independent agencies can provide price quotes from multiple companies.
Step 3: Compare the quotes to your existing policy to see if switching to a new carrier will save money. If you find a lower rate, ensure there is no coverage lapse between policies.
An essential thing to point out is to make sure you enter identical limits and deductibles on each price quote and and to look at as many auto insurance providers as possible. This ensures the most accurate price comparison and and a good selection of different prices.
It’s a fact that insurance companies don’t want you to look for cheaper rates. Drivers who compare rates annually will most likely switch auto insurance companies because there is a significant possibility of finding a policy with more affordable rates. A recent survey revealed that people who faithfully checked for cheaper rates saved approximately $70 a month as compared to drivers who don’t regularly compare prices.
If finding low prices for car insurance in Buffalo is your target objective, then having some insight into how to get rate quotes and compare insurance coverage can save time and make the process easier.
If you have insurance now, you will surely be able to find the best rates using the ideas you’re about to read. Comparing rates for affordable coverage in Buffalo is not as difficult as people think. Nevertheless, New York car owners can benefit by having an understanding of how big insurance companies sell insurance online because it varies considerably.
How to get low cost Honda Civic insurance in Buffalo, NY
When comparison shopping, there are several ways of comparing rates from companies that offer auto insurance in New York. The best way to find cheaper rates is to jump online and get quotes.
When price shopping your coverage, obtaining a wide range of quotes increases your odds of finding a better price. Not every company allows you to get online rate quotes, so it’s important to also get prices from them as well.
The companies shown below provide comparison quotes in New York. If you wish to find cheap auto insurance in New York, we suggest you click on several of them to find the most competitive auto insurance rates.
Premium rates and analysis
The information displayed below showcases different insurance policy prices for Honda Civic models. Having a better understanding of how insurance prices are established is important to be able to make informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $160 | $342 | $358 | $22 | $106 | $988 | $82 |
| Civic VP 4-Dr Sedan | $160 | $402 | $358 | $22 | $106 | $1,048 | $87 |
| Civic LX 4-Dr Sedan | $160 | $402 | $358 | $22 | $106 | $1,048 | $87 |
| Civic DX 2-Dr Coupe | $160 | $402 | $446 | $26 | $134 | $1,168 | $97 |
| Civic EX 4-Dr Sedan | $160 | $402 | $358 | $22 | $106 | $1,048 | $87 |
| Civic LX-S 4-Dr Sedan | $160 | $402 | $358 | $22 | $106 | $1,048 | $87 |
| Civic LX 2-Dr Coupe | $160 | $464 | $446 | $26 | $134 | $1,230 | $103 |
| Civic EX-L 4-Dr Sedan | $184 | $464 | $358 | $22 | $106 | $1,134 | $95 |
| Civic SI 4-Dr Sedan | $184 | $464 | $358 | $22 | $106 | $1,134 | $95 |
| Civic EX 2-Dr Coupe | $184 | $464 | $446 | $26 | $134 | $1,254 | $105 |
| Civic GX 4-Dr Sedan | $184 | $464 | $358 | $22 | $106 | $1,134 | $95 |
| Civic EX-L 2-Dr Coupe | $184 | $464 | $446 | $26 | $134 | $1,254 | $105 |
| Civic Hybrid 4-Dr Sedan | $208 | $402 | $358 | $22 | $106 | $1,096 | $91 |
| Civic SI 2-Dr Coupe | $208 | $524 | $446 | $26 | $134 | $1,338 | $112 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Price estimates do not factor in specific location information which can increase or decrease auto insurance rates greatly.
How high should deductibles be?
One of the more difficult decisions when buying car insurance is how high should your deductibles be. The following insurance rates can help show the rate fluctuation of buying low and high physical damage coverage deductibles. The first data set uses a $250 deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $178 | $344 | $264 | $16 | $80 | $907 | $76 |
| Civic VP 4-Dr Sedan | $178 | $406 | $264 | $16 | $80 | $969 | $81 |
| Civic LX 4-Dr Sedan | $178 | $406 | $264 | $16 | $80 | $969 | $81 |
| Civic DX 2-Dr Coupe | $178 | $406 | $330 | $20 | $100 | $1,059 | $88 |
| Civic EX 4-Dr Sedan | $178 | $406 | $264 | $16 | $80 | $969 | $81 |
| Civic LX-S 4-Dr Sedan | $178 | $406 | $264 | $16 | $80 | $969 | $81 |
| Civic LX 2-Dr Coupe | $178 | $468 | $330 | $20 | $100 | $1,121 | $93 |
| Civic EX-L 4-Dr Sedan | $204 | $468 | $264 | $16 | $80 | $1,057 | $88 |
| Civic SI 4-Dr Sedan | $204 | $468 | $264 | $16 | $80 | $1,057 | $88 |
| Civic EX 2-Dr Coupe | $204 | $468 | $330 | $20 | $100 | $1,147 | $96 |
| Civic GX 4-Dr Sedan | $204 | $468 | $264 | $16 | $80 | $1,057 | $88 |
| Civic EX-L 2-Dr Coupe | $204 | $468 | $330 | $20 | $100 | $1,147 | $96 |
| Civic Hybrid 4-Dr Sedan | $230 | $406 | $264 | $16 | $80 | $1,021 | $85 |
| Civic SI 2-Dr Coupe | $230 | $528 | $330 | $20 | $100 | $1,233 | $103 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $144 | $278 | $264 | $16 | $80 | $782 | $65 |
| Civic VP 4-Dr Sedan | $144 | $328 | $264 | $16 | $80 | $832 | $69 |
| Civic LX 4-Dr Sedan | $144 | $328 | $264 | $16 | $80 | $832 | $69 |
| Civic DX 2-Dr Coupe | $144 | $328 | $330 | $20 | $100 | $922 | $77 |
| Civic EX 4-Dr Sedan | $144 | $328 | $264 | $16 | $80 | $832 | $69 |
| Civic LX-S 4-Dr Sedan | $144 | $328 | $264 | $16 | $80 | $832 | $69 |
| Civic LX 2-Dr Coupe | $144 | $378 | $330 | $20 | $100 | $972 | $81 |
| Civic EX-L 4-Dr Sedan | $166 | $378 | $264 | $16 | $80 | $904 | $75 |
| Civic SI 4-Dr Sedan | $166 | $378 | $264 | $16 | $80 | $904 | $75 |
| Civic EX 2-Dr Coupe | $166 | $378 | $330 | $20 | $100 | $994 | $83 |
| Civic GX 4-Dr Sedan | $166 | $378 | $264 | $16 | $80 | $904 | $75 |
| Civic EX-L 2-Dr Coupe | $166 | $378 | $330 | $20 | $100 | $994 | $83 |
| Civic Hybrid 4-Dr Sedan | $188 | $328 | $264 | $16 | $80 | $876 | $73 |
| Civic SI 2-Dr Coupe | $188 | $426 | $330 | $20 | $100 | $1,064 | $89 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Table data does not factor in zip code location which can modify rates considerably.
Using the data above, we can ascertain that using a $250 deductible could cost the average driver approximately $13 more each month or $156 a year averaged for all Civic models than requesting the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 19 months between claim filings, you would probably be better off if you choose a higher deductible.
The illustration below shows how choosing a deductible and can increase or decrease Honda Civic insurance costs for each different age group. The premiums are based on a married male driver, full coverage, and no discounts are taken into consideration.
Gender-based car insurance rates in Buffalo
The illustration below shows the difference between Honda Civic premium costs for male and female drivers. The rates are based on no violations or accidents, comp and collision included, $1,000 deductibles, single marital status, and no additional discounts are factored in.
Cost difference between full coverage and liability
The diagram below compares Honda Civic car insurance rates with full coverage compared to only the New York minimum liability coverage. The premiums assume no violations or accidents, $250 deductibles, single status, and no discounts are taken into consideration.
Should you pay for full coverage?
There is no exact rule of when to stop paying for comp and collision coverage, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Honda Civic replacement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $7,000 after the policy deductible has been paid. If it’s costing in excess of $700 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
There are some situations where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
Why car insurance is not optional
Despite the potentially high cost of Honda Civic insurance, car insurance serves several important purposes.
First, most states have mandatory insurance requirements which means state laws require a specific minimum amount of liability protection in order to license the vehicle. In New York these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your car has a lienholder, most lenders will stipulate that you have full coverage to guarantee payment of the loan. If you do not pay your insurance premiums, the bank will be required to insure your Honda for a lot more money and force you to reimburse them a much higher amount than you were paying before.
Third, car insurance protects both your Honda Civic and your assets. It will also provide coverage for all forms of medical expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay to defend you if you are named as a defendant in an auto accident. If your Honda gets damaged, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of buying enough insurance are without a doubt worth the cost, particularly when you have a large claim. But the average American driver is wasting up to $810 a year so you should quote rates at least once a year to ensure rates are inline.
The Honda Civic Insurance Cost Equation
One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that play a part in calculating auto insurance rates. When consumers understand what determines base rates, this allows you to make good choices that can earn you big savings. Many factors are used in the calculation when you get your auto insurance bill. Some are obvious like a motor vehicle report, but other criteria are more obscure like where you live or how safe your car is.
The following are a few of the things utilized by car insurance companies to help set your premiums.
Higher physical damage deductibles are cheaper – The deductibles you choose are the amount of money you are required to pay before your auto insurance pays a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, insures against damage to your car. A few examples of covered claims would be colliding with a stationary object, animal collisions, and damage from wind. The more you choose to pay out-of-pocket, the less your auto insurance will be.
Rate your vehicle for proper use – The more you drive your Honda annually the more you will pay for auto insurance. A lot of insurance companies calculate prices based upon how much you drive. Cars left parked in the garage receive lower rates compared to those used for work or business. Incorrect rating for your Civic may be costing you higher rates. Double check that your auto insurance policy reflects how each vehicle is driven.
Responsible drivers pay less – Your driving record can have a huge impact on auto insurance premiums. Having a single ticket can bump up the cost by twenty percent. Careful drivers tend to pay less for car insurance than bad drivers. Drivers who have received serious violations such as DUI, reckless driving or excessive speeding may need to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to keep their license.
The information below highlights how traffic violations and at-fault claims can affect Honda Civic auto insurance rates for each age group. The rates are based on a single male driver, full coverage, $100 deductibles, and no other discounts are factored in.
Teenage drivers cost more – More experienced drivers have been proven to be more responsible, tend to cause fewer accidents, and usually have better credit. Inexperience drivers are known to get distracted easily when driving so they pay higher auto insurance rates.
The following chart is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.
Excellent credit scores equal low costs – An insured’s credit score factor in calculating your auto insurance rates. People that have very good credit scores tend to be more responsible and file fewer claims as compared to drivers with lower ratings. Therefore, if your credit can be improved, you may save money insuring your Honda Civic by spending a little time repairing your credit.
Don’t skimp on liability – Your auto insurance policy’s liability coverage will afford coverage in the event that a court rules you are at fault for damages from an accident. It will provide legal defense which can be incredibly expensive. This coverage is relatively inexpensive compared to comp and collision, so do not skimp.
Little extras can really add up – Insurance companies have many extra coverages that you can get tricked into buying if you aren’t diligent. Insurance for things like replacement cost coverage, better glass coverage, and motor club memberships may not be needed and are just wasting money. They may seem like a good idea when buying your policy, but if they’re wasting money eliminate them to save money.
Honda Civic claim statistics – Companies analyze past claim statistics to help determine prices. Vehicles that the data shows to have higher prevalence or dollar amount of losses will be charged more to insure. The next table shows the loss history for Honda Civic vehicles.
For each type of coverage, the claim probability for all vehicles averaged together is considered to be 100. Values that are below 100 imply a favorable loss record, while numbers above 100 indicate frequent claims or an increased chance of a larger loss.
| 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 |
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Auto insurance can get complicated
When it comes to coverage for your vehicles, there really is no perfect coverage plan. Each situation is unique so your insurance needs to address that.
For instance, these questions can aid in determining if you could use an agent’s help.
- What is roadside assistance coverage?
- Does my insurance cover my expensive audio equipment?
- Why do I need rental car insurance?
- Does insurance cover damages from a DUI accident?
- Does medical payments coverage apply to all occupants?
- What if I total my Honda Civic and owe more than it’s worth?
- Is a blown tire covered by insurance?
- Am I better off with higher deductibles on my Honda Civic?
If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.
Ratings for Buffalo auto insurance companies
Finding the right car insurance provider can be difficult considering how many companies there are in New York. The company information shown next could help you pick which auto insurance companies you want to consider when shopping your coverage around.
Top 10 Buffalo Car Insurance Companies Ranked by Value
- The General
- Erie Insurance
- The Hartford
- Mercury Insurance
- Farmers Insurance
- 21st Century
- Safeco Insurance
- AAA Insurance
- State Farm
- Travelers
Top 10 Buffalo Car Insurance Companies by A.M. Best Rank
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Nationwide – A+
- Esurance – A+
- Erie Insurance – A+
- Progressive – A+
- Mercury Insurance – A+
In conclusion
When you buy Buffalo auto insurance online, it’s not a good idea to skimp on critical coverages to save a buck or two. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that they should have had better coverage. The aim is to find the BEST coverage at the lowest possible cost but still have enough coverage for asset protection.
Throughout this article, we presented quite a bit of information on how to find lower-cost Honda Civic insurance in Buffalo. The key concept to understand is the more providers you compare, the better your chances of lowering your premium rates. You may even discover the lowest priced insurance comes from a lesser-known regional company. Regional companies may have significantly lower premium rates on certain market segments than the large multi-state companies such as State Farm or Progressive.
Lower-priced insurance in Buffalo is definitely available from both online companies as well as from independent agents in Buffalo, and you need to price shop both to have the best selection. Some insurance companies may not have price quotes online and most of the time these small, regional companies sell through independent agents.
To learn more, take a look at the articles below:
- Choosing a Car for Your Teen (State Farm)
- Who Has Cheap Car Insurance for a Subaru Impreza in Buffalo? (FAQ)
- Who Has Cheap Buffalo Auto Insurance Rates for Business Use? (FAQ)
- What Insurance is Cheapest for Single Moms in Buffalo? (FAQ)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Prom Night Tips for Teen Drivers (State Farm)
- State Car Insurance Guides (GEICO)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)