If you are a novice to online insurance shopping, by this point your are probably baffled by the diversity of online companies who claim to have the best insurance rates.
Sad but true, a large majority of insurance policyholders have been with the same company for at least four years, and about 40% of consumers have never compared rate quotes at all. With the average premium in Washington being $1,202, drivers could cut their rates by almost 40% a year, but most just don't grasp how much savings they would realize if they moved their coverage to a different company.
Finding the cheapest car insurance coverage in Tacoma is actually not that difficult if you follow our advice. Basically, every driver who is required by state law to have car insurance will most likely be able to cut their insurance bill. But Washington vehicle owners should learn the way companies compete online and use it to your advantage.
Affordable Tacoma insurance rates with discounts
Insurance is not cheap nor is it fun to buy but you may qualify for discounts that you may not even know about. Some discounts will apply when you quote, but occasionally some discounts must be asked for before you get the savings.
- Government Employees - Having worked for a branch of the government could provide a small rate reduction depending on your company.
- Passive Restraint Discount - Options like air bags or automatic seat belts may get savings up to 30%.
- ABS and Traction Control Discounts - Cars that have steering control and anti-lock brakes can stop better under adverse conditions and therefore earn up to a 10% discount.
- College Student Discount - Any of your kids who live away from home at college and do not take a car to college could get you a discount.
- Safety Restraint Discount - Forcing all vehicle occupants to wear their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
- Driver's Ed - Cut your cost by having your teen driver participate in a local driver's education class in school or through a local driver safety program.
- Online Discount - A few larger online companies provide a small discount simply for signing digitally online.
- Discount for Low Mileage - Low annual miles could qualify for discounted insurance rates on garaged vehicles.
- Data Collection Discounts - Insureds that choose to allow data collection to monitor their driving habits by using a telematic data system such as In-Drive from State Farm or Allstate's Drivewise system might see lower rates if their driving habits are good.
Consumers should know that some credits don't apply to your bottom line cost. Most only reduce specific coverage prices like comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, that's just not realistic.
To see insurers that provide some of the discounts listed above in Tacoma, click here.
How to buy Honda Civic insurance online
The are a couple different ways of comparing rate quotes from many available car insurance companies in Washington. The recommended way to find competitive Honda Civic insurance rates is simply to get online rate quotes.
When price shopping your coverage, having more price comparisons helps improve the odds of finding the best rates.
The following companies provide price quotes in Washington. If the list has multiple companies, it's highly recommended you click on several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$246||$564||$398||$24||$120||$1,352||$113|
|Civic VP 4-Dr Sedan||$172||$458||$282||$16||$84||$1,012||$84|
|Civic LX 4-Dr Sedan||$246||$664||$398||$24||$120||$1,452||$121|
|Civic DX 2-Dr Coupe||$192||$444||$376||$22||$112||$1,146||$96|
|Civic EX 4-Dr Sedan||$96||$242||$282||$16||$84||$720||$60|
|Civic LX-S 4-Dr Sedan||$118||$278||$300||$18||$90||$804||$67|
|Civic LX 2-Dr Coupe||$184||$420||$482||$28||$144||$1,258||$105|
|Civic EX-L 4-Dr Sedan||$260||$520||$386||$22||$116||$1,304||$109|
|Civic SI 4-Dr Sedan||$186||$420||$294||$18||$88||$1,006||$84|
|Civic EX 2-Dr Coupe||$228||$520||$368||$22||$110||$1,248||$104|
|Civic GX 4-Dr Sedan||$212||$420||$386||$22||$116||$1,156||$96|
|Civic EX-L 2-Dr Coupe||$224||$598||$446||$26||$134||$1,428||$119|
|Civic Hybrid 4-Dr Sedan||$180||$376||$334||$20||$100||$1,010||$84|
|Civic SI 2-Dr Coupe||$158||$370||$368||$22||$110||$1,028||$86|
|Get Your Own Custom Quote Go|
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rates do not factor in vehicle garaging location which can impact premium rates considerably.
Insurance premiums for males and females
The illustration below visualizes the comparison of Honda Civic auto insurance rates for male and female drivers. The rates are based on no accidents, no driving violations, comp and collision included, $100 deductibles, single marital status, and no discounts are factored in.
Where to set your deductibles
The diagram below shows how choosing a deductible and can affect Honda Civic insurance prices for each different age category. The rates are based on a single female driver, full coverage, and no discounts are applied.
Impact of careless driving on Tacoma car insurance rates
The information below illustrates how speeding tickets and at-fault fender-benders raise Honda Civic premium costs for different categories of driver ages. The price estimates are based on a married male driver, comp and collision included, $100 deductibles, and no discounts are factored in.
Why Your Insurance Rates might be higher
Lots of factors are taken into consideration when you quote your car insurance policy. Some are obvious like your driving record, but other factors are less apparent such as whether you are married or how safe your car is. When buying car insurance it's important to understand the rating factors that help determine your premiums. When you know what positively or negatively positively or negatively impacts your premiums, this empowers consumers to make smart changes that may reward you with much lower annual insurance costs.
The following are a few of the things companies use to determine premiums.
Employer stress can affect prices - Careers like military generals, business owners and dentists tend to have higher premiums than the average policyholder due to high stress levels and long work days. On the other hand, jobs like farmers, engineers and the unemployed pay lower than average rates.
Cheaper prices for prior coverage - Not having insurance is against the law and your next policy will cost more because you let your insurance lapse. Not only will rates go up, not being able to provide proof of insurance could earn you fines and jail time. You will then be forced to submit proof of financial responsibility or a SR-22 with the Washington department of motor vehicles.
Your location is important - Being located in a rural area has definite advantages when insuring your vehicles. Less people living in that area translates into fewer accident claims in addition to fewer liability claims. People who live in big cities have to deal with traffic congestion and more time behind the wheel. More time on the road can result in more accidents.
Guys are more aggressive - Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. It does not mean women are better drivers. Females and males are responsible for auto accidents in similar percentages, but the male of the species have accidents that have higher claims. In addition to higher claims, males also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 have the highest risk to insure so they pay the highest premiums.
Insurance loss data for a Honda Civic - Car insurance companies take into consideration historical loss data for every vehicle to help determine prices. Models that are shown to have increased claim numbers or amounts will have higher rates.
The table shown below demonstrates the historical insurance loss data for Honda Civic vehicles. For each policy coverage, the claim amount for all vehicles, regardless of make or model, equals 100. Numbers shown that are under 100 represent a good loss history, while numbers shown that are more than 100 point to more losses or an increased chance of larger losses than average.
Car Insurance Loss Data for Honda Civic Models
|Make and 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: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
It's not one size fits all
When selecting coverage online or from an agent for your vehicles, there isn't really a one-size-fits-all type of policy. Each situation is unique and your auto insurance should unique, too. For instance, these questions can aid in determining whether your personal situation could use an agent's help.
- Where can I find high-risk insurance?
- When should I drop full coverage on my Honda Civic?
- I have health insurance so do I need medical payments coverage?
- What is GAP insurance?
- Can I cancel at any time?
- Exactly who is provided coverage by my policy?
- Does my personal policy cover me when driving out-of-state?
If you're not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.
Getting quotes from local Tacoma auto insurance agents
Many drivers just prefer to get professional advice from a licensed agent and that is not a bad decision One of the great benefits of comparing insurance prices online is that you can obtain lower rates but also keep your business local.
To help locate an agent, after submitting this short form, your information is sent to local insurance agents that can give you free Tacoma auto insurance quotes for your coverage. It's much easier because you don't need to contact any insurance agencies due to the fact that quote results will go straight to your inbox. Get lower rates without the usual hassles of price shopping. In the event you want to compare rates from a specific insurance provider, feel free to visit that company's website to submit a rate quote request.
Finding the right company shouldn't rely on just a low price. Any agent in Tacoma should have no problem answering these questions:
- Is their price quote a firm figure or are their hidden costs?
- Is the agency covered by Errors and Omissions coverage?
- Is insurance their full-time profession?
- Is the coverage adequate for your vehicle?
- Will the company cover a rental car if your car is getting fixed?
- Do they specialize in personal lines auto insurance in Tacoma?
- Does the company allow you to choose your own collision repair facility?
- Do they have cheaper tiers of coverage?
Insuring your vehicle just makes sense
Despite the potentially high cost of Honda Civic insurance, car insurance is a good idea for several reasons.
First, just about all states have mandatory liability insurance requirements which means the state requires a specific minimum amount of liability coverage if you don't want to risk a ticket. In Washington 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 Honda Civic has a loan, almost all lenders will stipulate that you have insurance to ensure the loan is repaid in case of a total loss. If you default on your policy, the lender may insure your Honda at a significantly higher premium and require you to reimburse them for the much more expensive policy.
Third, insurance protects not only your Honda Civic but also your assets. It will also pay for all forms of medical expenses for yourself as well as anyone injured by you. Liability coverage also pays expenses related to your legal defense if you cause an accident and are sued. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of buying car insurance outweigh the cost, especially if you ever need it. But the average driver in Washington overpays more than $810 a year so shop around every year to be sure current rates are still competitive.
Persistence will pay off
We've covered a lot of techniques to lower your Honda Civic insurance rates in Tacoma. The key concept to understand is the more you quote Tacoma auto insurance, the higher your chance of finding affordable Tacoma auto insurance quotes. Drivers may even discover the biggest savings come from a small local company. Regional companies can often provide lower car insurance rates in certain areas as compared to the big name companies such as GEICO and State Farm.
As you go through the steps to switch your coverage, you should never reduce needed coverages to save money. In too many instances, an insured cut liability coverage limits only to regret at claim time that the savings was not a smart move. Your goal is to purchase a proper amount of coverage for the lowest cost while still protecting your assets.
More tips and info about insurance is located by following these links:
- What is Gap Insurance? (Insurance Information Institute)
- Who Has the Cheapest Car Insurance for Business Use in Washington? (FAQ)
- What Auto Insurance is Cheapest in Everett, Washington? (FAQ)
- What Auto Insurance is Cheapest for a Jeep Grand Cherokee in Washington? (FAQ)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Help Your Teen Be a Better Driver (State Farm)