Trying to find low-cost insurance for a Honda Civic in Texas can turn out to be a painful process, but you can use a few tricks to find lower rates. There is a better way to compare car insurance rates and you need to know the absolute fastest way to compare rates for a new or used Honda and obtain the lowest possible price from San Antonio insurance agents and online providers.
You should take the time to check car insurance prices before your next renewal because car insurance prices tend to go up over time. Despite the fact that you may have had the lowest quotes on Civic coverage six months ago you can probably find a better rate now. Forget anything you know (or think you know) about car insurance because we’re going to show you one of the easiest ways to find better rates and still maintain coverage.
The majority of larger companies like Allstate and Progressive give prices on the web. The process is possible for anyone because it’s just a matter of typing in your required coverages as requested by the quote form. Behind the scenes, their quoting system pulls your credit score and driving record and quotes a price based on the information you submitted.
This makes it simple to compare prices but the work required to visit multiple sites and enter the same data into a form can be a bit tiresome and repetitive. But it’s absolutely necessary to compare as many rates as possible if you want to get better car insurance pricing.
There is an easier way!
The quickest way to locate the lowest prices is to use a quote form that gets price quotes from many companies. It’s a real time-saver, helps eliminate reptitive entry, and makes rate comparisons much simpler. After sending the form, your coverage is rated and you are able to buy any or none of the returned quotes. If a lower price is quoted, you simply finish the application and purchase coverage. This process takes less than 15 minutes and may result in a nice savings.
To quickly find out how much you can save on car insurance, click here and enter your vehicle and coverage information. If you have coverage now, it’s recommended you duplicate coverages and limits exactly as shown on your declarations page. This guarantees you will be getting a rate comparison for similar insurance coverage.
Don’t miss with these discounts
Insurance can be prohibitively expensive, but you can get discounts that could drop your premiums quite a bit. A few discounts will be applied at the time of quoting, but a few need to be manually applied prior to getting the savings. If you don’t get every credit available, you’re paying more than you need to.
- Discount for Passive Restraints – Cars that have air bags or motorized seat belts could see savings up to 30%.
- Theft Deterent – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
- Professional Organizations – Joining specific professional or occupational memberships or organizations can get you a small discount on your next car insurance statement.
- New Vehicle Savings – Buying a new car model can save you some money due to better safety requirements for new model year vehicles.
- Seat Belts Save more than Lives – Drivers who require all occupants to buckle up before driving could save 15% off the medical payments premium.
- Responsible Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on Civic coverage than drivers with accidents.
Please keep in mind that most discounts do not apply to the overall cost of the policy. Some only apply to specific coverage prices like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, company stockholders wouldn’t be very happy. But any discount should definitely cut your policy premium.
Larger car insurance companies and some of the discounts include:
- State Farm may offer discounts for student away at school, good student, Steer Clear safe driver discount, accident-free, driver’s education, passive restraint, and defensive driving training.
- Nationwide offers discounts for easy pay, family plan, anti-theft, Farm Bureau membership, business or organization, and accident-free.
- GEICO has discounts for anti-lock brakes, emergency military deployment, five-year accident-free, membership and employees, multi-vehicle, and daytime running lights.
- AAA includes discounts for AAA membership discount, education and occupation, pay-in-full, good driver, good student, and multi-policy.
- 21st Century may have discounts that include anti-lock brakes, good student, teen driver, theft prevention, air bags, defensive driver, and driver training.
- The Hartford has savings for bundle, defensive driver, air bag, good student, and anti-theft.
If you need lower rates, check with every prospective company which discounts you may be entitled to. A few discounts might not be offered everywhere. If you would like to view companies who offer free car insurance quotes in San Antonio, click here.
Your situation helps dictate your coverage
When choosing the best car insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.
These are some specific questions might help in determining if you would benefit from an agent’s advice.
- What is covered by UM/UIM coverage?
- Do I pay less if my vehicle is kept in my garage?
- Will my vehicle be repaired with OEM or aftermarket parts?
- Is my vehicle covered by my employer’s policy when using it for work?
- Is my custom paint covered by insurance?
- What companies insure drivers after a DUI or DWI?
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.
More consumer information in Texas
More tips and info about car insurance is located at the Texas Department of Insurance website. Texas consumers can read state legal mandates and laws, file complaints about an insurance agent or broker, and discover disciplinary actions.
The articles below may also help you learn more about car insurance in San Antonio