Searching for budget-priced Cleveland Honda Civic insurance quotes on the internet may be problematic for consumers new to comparing prices on the web. With such a large choice of online companies, how can you efficiently compare the different rates to find the cheapest price possible?
Shocking but true, the vast majority of drivers renewed their policy with the same company for at least four years, and nearly 40% of drivers have never compared rates to find lower-cost insurance. The average driver in America could save $859 a year just by comparing rates, but most undervalue the amount of money they would save if they moved their coverage to a different company.
The are a couple different ways to compare prices from different companies. The easiest way to find competitive Honda Civic insurance rates consists of shopping online. It’s important to know that comparing more prices gives you a better chance of getting more affordable insurance. Some companies don’t provide online Cleveland Civic insurance quotes, so it’s necessary to compare price estimates from them, too.
The providers in the list below offer free quotes in Ohio. If your goal is to find cheap auto insurance in Cleveland, OH, it’s a good idea that you visit as many as you can in order to find the cheapest rates.
Insurance coverage details
The data table displayed below highlights detailed analysis of insurance premium costs for Honda Civic models. Having a good understanding how insurance policy rates are established is important for making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $92 | $182 | $232 | $14 | $70 | $590 | $49 |
| Civic VP 4-Dr Sedan | $92 | $214 | $232 | $14 | $70 | $622 | $52 |
| Civic LX 4-Dr Sedan | $92 | $214 | $232 | $14 | $70 | $622 | $52 |
| Civic DX 2-Dr Coupe | $92 | $214 | $290 | $18 | $86 | $700 | $58 |
| Civic EX 4-Dr Sedan | $92 | $214 | $232 | $14 | $70 | $622 | $52 |
| Civic LX-S 4-Dr Sedan | $92 | $214 | $232 | $14 | $70 | $622 | $52 |
| Civic LX 2-Dr Coupe | $92 | $248 | $290 | $18 | $86 | $734 | $61 |
| Civic EX-L 4-Dr Sedan | $106 | $248 | $232 | $14 | $70 | $670 | $56 |
| Civic SI 4-Dr Sedan | $106 | $248 | $232 | $14 | $70 | $670 | $56 |
| Civic EX 2-Dr Coupe | $106 | $248 | $290 | $18 | $86 | $748 | $62 |
| Civic GX 4-Dr Sedan | $106 | $248 | $232 | $14 | $70 | $670 | $56 |
| Civic EX-L 2-Dr Coupe | $106 | $248 | $290 | $18 | $86 | $748 | $62 |
| Civic Hybrid 4-Dr Sedan | $118 | $214 | $232 | $14 | $70 | $648 | $54 |
| Civic SI 2-Dr Coupe | $118 | $280 | $290 | $18 | $86 | $792 | $66 |
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in Cleveland location which can change premiums significantly.
Safe drivers Cleveland pay cheaper rates
The chart below highlights how traffic violations and fender-benders can raise Honda Civic annual premium costs for different insured age categories. The data is based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.
Liability only or full coverage
The chart below illustrates the difference between Honda Civic insurance premiums when comparing full coverage to liability only. Data assumes no accidents or driving violations, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.
Should you pay for full coverage?
There is no exact formula for phasing out physical damage coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.
For example, let’s pretend your Honda Civic settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $7,000 after paying your deductible. If it’s costing you more than $700 annually for full coverage, then it’s probably a good time to buy liability coverage only.
There are a few cases where only buying liability is not a good idea. If you still have a lienholder on your title, you are required to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not drop full coverage.
Why you need quality insurance for your Civic
Even though it’s not necessarily cheap to insure a Honda in Cleveland, buying car insurance serves an important purpose.
- Almost all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific level of liability insurance if you don’t want to risk a ticket. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your Honda Civic, most banks will make it mandatory that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the lender may have to buy a policy to insure your Honda at an extremely high rate and require you to reimburse them for it.
- Insurance protects both your Honda and your personal assets. It will also reimburse you for medical bills incurred in an accident. As part of your policy, liability insurance will also pay attorney fees if someone files suit against you as the result of an accident. If your Honda gets damaged, collision and comprehensive coverages will cover the repair costs.
The benefits of insuring your car more than cancel out the cost, particularly if you ever have a claim. Today the average American driver is overpaying more than $865 each year so compare quotes from several companies at every policy renewal to ensure rates are inline.
Insurance discounts help lower rates for Honda Civic insurance in Cleveland
Some insurance providers don’t necessarily list every discount available very well, so below is a list some of the more common and also the more inconspicuous discounts that you can inquire about if you buy Cleveland car insurance online.
- Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you could save up to 5%.
- Distant College Student Discount – Children who live away from home at college and do not take a car to college may be insured at a cheaper rate.
- Save with a New Car – Adding a new car to your policy may earn a small discount because new vehicles are generally safer.
- Include Life Insurance and Save – Larger insurance carriers have a small discount if you purchase a life insurance policy as well.
- Paperless Signup – Certain insurance companies will give a small break just for signing your application digitally online.
- Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts up to 30%.
- Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to successfully take a driver’s education course in school.
- No Claims – Good drivers with no accidents pay less compared to drivers who are more careless.
Don’t be shocked that most discounts do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, you aren’t that lucky.
The diagram below compares Honda Civic premium costs with and without discounts applied to the policy rates. The rates are based on a male driver, a clean driving record, no at-fault accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, homeowner, marriage, and multi-car discounts applied.
Car insurance companies that may have these money-saving discounts include:
Double check with each company or agent the best way to save money. Discounts might not apply everywhere.
Local Cleveland car insurance agents
Many people would prefer to get professional advice from a licensed agent and that is recommended in a lot of cases One of the great benefits of comparing rates online is that you can obtain lower car insurance rates and still have an agent to talk to.
By using this short form, your insurance coverage information is immediately sent to local insurance agents who will give you quotes to get your business. It makes it easy because there is no need to leave your house as quotes are delivered directly to your email. You can most likely find cheaper rates AND a local agent. If for some reason you want to get a comparison quote from a particular provider, you can always find their quoting web page and complete a quote there.
Choosing the best company needs to be determined by more than just a cheap quote. These are some questions you should get answers to.
- Do they have cheaper tiers of coverage?
- Does the company have a solid financial rating?
- Do they offer claims assistance after hours?
- Will a damage claim use OEM or aftermarket replacement parts?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Has the agent ever had any license suspensions?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Does the agency have a good rating with the Better Business Bureau?
Best car insurance company in Ohio
Insuring your vehicle with the best insurer is hard considering how many companies there are in Cleveland. The information listed below could help you pick which auto insurance companies to look at when looking for cheaper rates.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| Mercury Insurance | 87 | 95 | 87 | 84% | A+ | 88.3 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
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Data Source: Insure.com Best Car Insurance Companies
When in doubt talk to an agent
When choosing your policy for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique and your insurance should unique, too.
Here are some questions about coverages that may help highlight whether or not you will benefit from professional help.
- How much cheaper are high deductibles?
- Where can I find high-risk insurance?
- Does coverage extend to Mexico or Canada?
- What is the difference between personal and commercial auto insurance policies?
- Will I be non-renewed for getting a DUI or other conviction?
- Which companies will insure me after a DUI?
- What are good deductibles for a Honda Civic?
- Do I have coverage if my license is suspended?
If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier
Specific coverages for a Honda Civic
Understanding the coverages of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most insurance policies.
Comprehensive protection
Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like hitting a deer, a tree branch falling on your vehicle, hail damage and rock chips in glass. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Medical expense coverage
Medical payments and Personal Injury Protection insurance kick in for immediate expenses like chiropractic care, funeral costs and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Coverage for collisions
Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as scraping a guard rail, colliding with a tree, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible on your Civic to bring the cost down.
Uninsured or underinsured coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Civic.
Since a lot of drivers carry very low liability coverage limits (Ohio limits are 25/50/25), their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.
Coverage for liability
Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage pays for things such as funeral expenses, legal defense fees and loss of income. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford. Ohio state law requires minimum liability limits of 25/50/25 but you should consider buying more liability than the minimum.
The illustration below shows why buying minimum limits may not be adequate.
Cheap insurance is out there
Budget-friendly insurance in Cleveland is available on the web and from local agencies, so you need to quote Cleveland car insurance with both to get a complete price analysis. Some insurance companies may not offer rate quotes online and these regional insurance providers only sell through independent agents.
When buying insurance coverage, do not reduce coverage to reduce premium. In too many instances, consumers will sacrifice liability limits or collision coverage only to discover later that they should have had better coverage. The aim is to get the best coverage possible at the lowest possible cost and still be able to protect your assets.
We’ve covered a lot of techniques to save on Honda Civic insurance in Cleveland. The key thing to remember is the more you quote Cleveland car insurance, the better your comparison will be. Drivers may even discover the biggest savings come from an unexpected company. Regional companies may often insure only within specific states and give better rates than the large multi-state companies such as Progressive and GEICO.
How to buy cheaper Honda Civic insurance in Cleveland
Truthfully, the best way to get cheaper Honda Civic insurance is to compare prices once a year from insurers who sell insurance in Cleveland. Drivers can shop around by following these steps.
First, learn about how insurance companies determine prices and the steps you can take to drop your rates. Many things that result in higher rates like getting speeding tickets and an unacceptable credit history can be eliminated by making minor changes to your lifestyle.
Second, get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from one company like GEICO or State Farm, while independent agencies can provide prices for a wide range of insurance providers. View insurance agents
Third, compare the new rate quotes to the price on your current policy to see if cheaper Civic coverage is available in Cleveland. If you find a lower rate and decide to switch, ensure coverage does not lapse between policies.
Fourth, give proper notification to your current agent or company of your intent to cancel the current policy and submit the application along with any required down payment to your new agent or company. Once the paperwork is finalized, keep your new certificate of insurance above your visor, in the console, or in the glove compartment.
A crucial key to this process is to use the same coverage limits and deductibles on each price quote and and to compare as many companies as possible. Doing this ensures a fair price comparison and plenty of rates choose from.
For more information, take a look at the following helpful articles:
- Smart Auto Insurance Tips (Insurance Information Institute)
- Who Has Cheap Auto Insurance for Ride Shares in Cleveland? (FAQ)
- Older Drivers FAQ (iihs.org)
- Eight Auto Insurance Myths (Insurance Information Institute)