Finding cheaper insurance for a Honda Civic in South Carolina can normally be difficult, but you can learn the following methods and make it easy. There are both good and bad ways to buy car insurance and we'll show you the quickest way to quote coverages on a Honda and obtain the cheapest rates either online or from Charleston insurance agents.
The best way we recommend to compare car insurance rates for Honda Civic insurance in Charleston is to know car insurance companies participate in a system to give free rates quotes. The one thing you need to do is give them some information such as if a SR-22 is required, how you use your vehicles, if you're married, and if you have an active license. Those rating factors is automatically sent to multiple car insurance providers and they return rate quotes quickly.
To check Honda Civic insurance prices now, click here and see if a lower rate is available in Charleston.
The following companies are ready to provide price quotes in Charleston, SC. If multiple providers are shown, we suggest you visit several of them in order to find the cheapest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$256||$530||$342||$20||$102||$1,250||$104|
|Civic VP 4-Dr Sedan||$220||$644||$386||$22||$116||$1,388||$116|
|Civic LX 4-Dr Sedan||$144||$350||$320||$18||$96||$928||$77|
|Civic DX 2-Dr Coupe||$160||$434||$482||$28||$144||$1,248||$104|
|Civic EX 4-Dr Sedan||$130||$302||$352||$20||$106||$910||$76|
|Civic LX-S 4-Dr Sedan||$220||$644||$386||$22||$116||$1,388||$116|
|Civic LX 2-Dr Coupe||$210||$554||$440||$26||$132||$1,362||$114|
|Civic EX-L 4-Dr Sedan||$156||$428||$444||$26||$132||$1,186||$99|
|Civic SI 4-Dr Sedan||$226||$598||$320||$18||$96||$1,258||$105|
|Civic EX 2-Dr Coupe||$252||$706||$482||$28||$144||$1,612||$134|
|Civic GX 4-Dr Sedan||$252||$740||$386||$22||$116||$1,516||$126|
|Civic EX-L 2-Dr Coupe||$140||$372||$482||$28||$144||$1,166||$97|
|Civic Hybrid 4-Dr Sedan||$324||$718||$412||$24||$124||$1,602||$134|
|Civic SI 2-Dr Coupe||$292||$784||$516||$30||$154||$1,776||$148|
|Get Your Own Custom Quote Go|
Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium amounts do not factor in your specific Charleston location which can alter prices greatly.
Do you need full coverage?
The information below visualizes the comparison of Honda Civic insurance prices with full physical damage coverage compared to only buying liability only. The premium estimates are based on no violations or claims, $500 deductibles, married female driver, and no discounts are applied.
When to stop buying comprehensive and collision coverage
There isn't a written rule of when to stop paying for comp and collision coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let's pretend your Honda Civic book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $5,000 after paying your deductible. If you are paying more than $500 a year for your policy with full coverage, then it might be time to buy liability only.
There are some circumstances where dropping full coverage is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should not drop full coverage.
Auto insurance rates are higher with tickets and accidents
The illustration below illustrates how traffic citations and accident claims can affect Honda Civic insurance costs for each different age category. Data assumes a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.
Can higher deductibles save money?
The diagram below demonstrates how deductible levels and can change Honda Civic insurance costs for different ages of insureds. The data is based on a married male driver, comp and collision included, and no policy discounts are applied.
Auto insurance does more than just protect your car
Even though Charleston Civic insurance rates can get expensive, maintaining insurance serves an important purpose.
- Most states have minimum liability requirements which means state laws require specific limits of liability coverage in order to drive the car. In South Carolina 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 vehicle, most banks will force you to carry insurance to guarantee payment of the loan. If you let the policy lapse, the bank or lender will purchase a policy for your Honda at a more expensive rate and make you pay the higher price.
- Auto insurance preserves both your car and your personal assets. Insurance will also pay for most medical and hospital costs that are the result of an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.
The benefits of having insurance definitely exceed the price paid, particularly if you ever have a claim. But the average driver in South Carolina is currently overpaying as much as $700 annually so we recommend shopping around at least once a year to be sure current rates are still competitive.
How Car Insurance Companies Determine Honda Civic Insurance Rates
When buying car insurance it's important to understand the factors that come into play when calculating your premiums. If you have some idea of what influences your rates, this empowers consumers to make smart changes that may reward you with much lower annual insurance costs.
Having a spouse equates to better premiums - Walking down the aisle can get you a discount when buying car insurance. It may mean you are more financially stable and it's proven that drivers who are married file infrequent claims.
Defend yourself with liability protection - Liability coverage kicks in if ever a court rules you are at fault for an accident. It provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
Where you reside can affect rates - Living in small towns and rural areas has definite advantages when it comes to car insurance. Less people means reduced accidents and a lower car theft rate. Drivers who live in large South Carolina cities have to deal with more aggressive driving styles and more time behind the wheel. More time behind the wheel translates into higher accident risk.
Prevent policy lapses - Having a lapse in insurance coverage is a fast way to pay more for car insurance. In addition to paying higher rates, getting caught without coverage will get you a fine, jail time, or a revoked license.
Employer and insurance prices - Occupational choices like military personnel, social workers and medical professionals tend to pay the highest average rates attributed to intense work requirements and long work hours. Other careers like actors, students and performers get better rates.
Mature drivers pay less - Beginning drivers in South Carolina have a tendency to be inattentive and easily distracted with other occupants in the car so car insurance rates are higher. Older, more experienced drivers are viewed as being more responsible, tend to cause fewer accidents, and tend to be get fewer driving tickets.
More than one policy can earn a discount - Most major companies give a discount to clients that have more than one policy in the form of a multi-policy discount. Even if you already get this discount, it's still a good idea to compare Honda Civic rates in Charleston to ensure the best deal.There is a chance you can find a better deal even if you insure with multiple companies
Better car insurance rates on cars with good safety ratings - Vehicles with high crash test scores tend to be cheaper to insure. These vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies and cheaper rates on your policy. If your Honda Civic earned at least four stars on Safercar.gov you may qualify for a discount.
Honda Civic claim probability - Car insurance companies analyze historical claim data to help determine the rate you pay. Vehicles that statistically have a higher amount or frequency of claims will have a higher premium rate. The next table illustrates the compiled insurance loss statistics for Honda Civic vehicles.
For each coverage type, the claim probability for all vehicles, regardless of make or model, is set at 100. Numbers below 100 imply a favorable loss record, while values that are 100 or greater indicate more frequent claims or a tendancy for losses to be larger than average.
Insurance Loss Ratings for Honda Civic Vehicles
|Specific Honda Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Honda Civic Hybrid||90||85||106||105||78|
|Honda Civic Si||126||97||117||124||104|
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Don't overlook these Honda Civic insurance discounts
Companies that sell car insurance don't necessarily list every discount they offer very clearly, so the list below gives a summary of both the well known and the more hidden credits available to you.
- Include Life Insurance and Save - If the company offers life insurance, you could get a discount if you purchase auto and life insurance together.
- Full Payment Discount - If you pay your bill all at once as opposed to paying monthly you can actually save on your bill.
- Student Discounts - Excelling in school may save as much as 25% on a Charleston auto insurance quote. You can use this discount normally up until you turn 25.
- Safety Course Discount - Taking part in a course that instructs on driving safety could earn you a small percentage discount depending on where you live.
- Multi-Vehicle Discounts - Insuring multiple cars with one company can get a discount on all vehicles.
- Anti-lock Brakes - Anti-lock brake equipped vehicles can reduce accidents and the ABS can save up to 10%.
- Sign Online - Many larger companies will discount your bill up to fifty bucks for buying your policy over the internet.
- Renewal Discounts - Some car insurance companies reward drivers for buying a new policy early. You may see this discount when you get Charleston auto insurance quotes online.
Discounts reduce rates, but you should keep in mind that most credits do not apply the the whole policy. Most cut individual premiums such as physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, you're out of luck.
To see a list of car insurance companies with the best Honda Civic insurance discounts in Charleston in South Carolina, click here to view.
Local Charleston insurance agencies
Some people just prefer to buy from a local agent and that is OK! Licensed agents are very good at helping people manage risk and give you someone to call. A good thing about comparing rate quotes online is that you can find cheap rate quotes and still have an agent to talk to.
To help locate an agent, after submitting this quick form, your coverage information is immediately sent to companies in Charleston who will gladly provide quotes for your coverage. You never need to search for an agent as quotes are delivered instantly to you. If you have a need to compare rates from a specific car insurance provider, feel free to jump over to their website and give them your coverage information.
Finding the right insurer should depend on more than just the premium amount. Some important questions to ask are:
- How many years have they been established?
- Do they make recommendations based only on price?
- If you are a high risk driver, do they have special markets for your coverage?
- Are all drivers listed on the coverage quote?
- Are there any hidden costs in their price quote and does it include driving and credit history?
Do you need an independent or exclusive car insurance agent?
When finding a local insurance agency, it's helpful to know the different types of agents that you can select. Agents in Charleston can be classified as either exclusive or independent agents depending on their company appointments. Both types of agents can write policy coverage, but it is important to understand the difference between them since it could factor into which type of agent you select.
Exclusive Insurance Agencies
Agents that choose to be exclusive normally can only provide a single company's rates and examples are Farmers Insurance and State Farm. Exclusive agents are unable to compare rates from other companies so keep that in mind. Exclusive insurance agents are well trained in insurance sales which aids in selling service over price. Consumers frequently buy from the same agent for years mostly because of the prominence of the brand and the convenience of having all coverages with one company.
Shown below is a list of exclusive insurance agents in Charleston who can help you get price quotes.
- Nick Wagner - State Farm Insurance Agent
2408 Ashley River Rd Suite E - Charleston, SC 29414 - (843) 974-4060 - View Map
- Bill Frehse - State Farm Insurance Agent
515 Folly Rd - Charleston, SC 29412 - (843) 762-2005 - View Map
- Larry Davis - State Farm Insurance Agent
7741 Dorchester Rd - North Charleston, SC 29418 - (843) 552-2992 - View Map
Independent Car Insurance Agencies
Agents that elect to be independent often have many company appointments so they can quote policies through many companies and find the cheapest car insurance rates. If you are not satisfied with one company, they simply move your policy to a different company which is easy for the insured. If you are comparing car insurance prices, it's recommended you get quotes from several independent insurance agents so that you have a good selection of quotes to compare. They also have the ability to place coverage with mutual insurance companies that many times have cheaper rates.
Below are Charleston independent insurance agents who can help you get rate quotes.
- R A Wright Agency
661 St Andrews Blvd - Charleston, SC 29407 - (843) 766-5300 - View Map
- David M Gilston Insurance Agency
15 Gamecock Ave # A - Charleston, SC 29407 - (800) 701-5909 - View Map
- Alarm Insurance Agency
4975 Lacross Rd #313 - North Charleston, SC 29406 - (800) 474-0933 - View Map
Cheaper car insurance is out there
As you shop your coverage around, it's very important that you do not reduce coverage to reduce premium. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits only to discover later that the savings was not a smart move. The goal is to purchase a proper amount of coverage at the best price, but do not sacrifice coverage to save money.
You just learned many ideas to find cheap Honda Civic insurance in Charleston. It's most important to understand that the more rate comparisons you have, the higher your chance of finding the cheapest Honda Civic rate quotes. Drivers may even discover the best price on car insurance is with the smaller companies.
Consumers leave their current company for a number of reasons such as lack of trust in their agent, extreme rates for teen drivers, denial of a claim and an unsatisfactory settlement offer. Whatever your reason, finding a new company is actually quite simple.
Additional detailed information is located at these sites:
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- What Car Insurance is Cheapest for Hybrid Vehicles in South Carolina? (FAQ)
- How Much are South Carolina Car Insurance Quotes for High Risk Drivers? (FAQ)
- How Much are South Carolina Auto Insurance Quotes for a Dodge Ram? (FAQ)
- Who Has Cheap Auto Insurance for Drivers Over Age 70 in South Carolina? (FAQ)
- Insurance Losses by Make and Model (iihs.org)
- What Does No-Fault Insurance Cover? (Allstate)