Insurance rates Honda Civic in TacomaIf 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.

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.

Honda Civic Insurance Costs in Tacoma, WA
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 92 105 68 127 135 121
Honda Civic Hybrid 90 85 106 105 78
Honda Civic Si 126 97 117 124 104
BETTER
AVERAGE
WORSE

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.

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.

Insurance agency in TacomaTo 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:

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.

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