Want to learn how to save money and find more competitive Honda Civic insurance in Honolulu? Comparing Honolulu auto insurance quotes online could seem overwhelming if you're new to online price quotes. But don't be discouraged because it's actually quite easy to find affordable Honda Civic in Honolulu.

Insurance quote for Honda Civic in HonoluluA recent survey discovered that the vast majority of drivers kept their coverage with the same car insurance company for over three years, and almost half have never shopped around. The average driver in Hawaii could save themselves about 40% a year just by getting comparison quotes, but they underestimate the benefits if they changed companies.

Smart consumers take time to check car insurance prices yearly because car insurance rates change quite often. Just because you found the lowest premium rates on Honda Civic insurance in Honolulu a few years ago you can probably find a better price now. Block out anything you think you know about car insurance because you're about to learn the things you must know in order to reduce your cost while improving coverage.

This article's intent is to help you learn the best ways to compare prices and some tricks to saving. If you have insurance now, you stand a good chance to be able to reduce premiums using the techniques presented in this article. Nevertheless, Hawaii vehicle owners must know the methods companies use to determine premium rates and use this information to your advantage.

Cheaper Honolulu auto insurance rates with discounts

Auto insurance is not inexpensive, but you may qualify for discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you complete an application, but some may not be applied and must be inquired about before you get the savings.Save money with discounts

One thing to note about discounts is that some of the credits will not apply to the overall cost of the policy. Most only reduce specific coverage prices like collision or personal injury protection. Despite the fact that it seems like all those discounts means the company will pay you, nobody gets a free ride.

A partial list of companies that may offer policyholders these benefits include:

It's a good idea to ask all the companies which discounts can lower your rates. Some credits might not be offered everywhere. To choose insurance companies that can offer you the previously mentioned discounts in Hawaii, click here to view.

Keep in mind that quoting more helps locate more affordable insurance.

The companies in the list below can provide price comparisons in Honolulu, HI. If multiple providers are shown, we recommend you get prices from several of them in order to get a fair rate comparison.

Honda Civic Insurance Cost Estimates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $172 $390 $344 $20 $104 $1,030 $86
Civic VP 4-Dr Sedan $124 $338 $300 $18 $90 $870 $73
Civic LX 4-Dr Sedan $112 $272 $248 $14 $74 $720 $60
Civic DX 2-Dr Coupe $152 $402 $312 $18 $94 $978 $82
Civic EX 4-Dr Sedan $112 $278 $254 $16 $76 $736 $61
Civic LX-S 4-Dr Sedan $154 $412 $254 $16 $76 $912 $76
Civic LX 2-Dr Coupe $172 $458 $338 $20 $102 $1,090 $91
Civic EX-L 4-Dr Sedan $108 $288 $278 $16 $84 $774 $65
Civic SI 4-Dr Sedan $108 $288 $300 $18 $90 $804 $67
Civic EX 2-Dr Coupe $196 $528 $430 $26 $128 $1,308 $109
Civic GX 4-Dr Sedan $218 $630 $344 $20 $104 $1,316 $110
Civic EX-L 2-Dr Coupe $204 $468 $330 $20 $100 $1,122 $94
Civic Hybrid 4-Dr Sedan $224 $398 $270 $16 $80 $988 $82
Civic SI 2-Dr Coupe $230 $528 $330 $20 $100 $1,208 $101
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Prices do not factor in specific zip code location which can lower or raise premiums considerably.

Drive responsibly or pay higher rates

The illustration below demonstrates how traffic citations and accident claims influence Honda Civic auto insurance costs for each age group. The information is based on a married female driver, full coverage, $100 deductibles, and no discounts are applied.

Physical damage deductible comparison

One of the hardest decisions when shopping for car insurance is how low should you set your deductibles. The following insurance rates may help you to understand the premium difference between high and low policy deductibles. The first rate table uses a $100 deductible for physical damage and the second price chart uses a $1,000 deductible.

Honda Civic insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $198 $412 $264 $16 $80 $995 $83
Civic VP 4-Dr Sedan $198 $484 $264 $16 $80 $1,067 $89
Civic LX 4-Dr Sedan $198 $484 $264 $16 $80 $1,067 $89
Civic DX 2-Dr Coupe $198 $484 $330 $20 $100 $1,157 $96
Civic EX 4-Dr Sedan $198 $484 $264 $16 $80 $1,067 $89
Civic LX-S 4-Dr Sedan $198 $484 $264 $16 $80 $1,067 $89
Civic LX 2-Dr Coupe $198 $558 $330 $20 $100 $1,231 $103
Civic EX-L 4-Dr Sedan $228 $558 $264 $16 $80 $1,171 $98
Civic SI 4-Dr Sedan $228 $558 $264 $16 $80 $1,171 $98
Civic EX 2-Dr Coupe $228 $558 $330 $20 $100 $1,261 $105
Civic GX 4-Dr Sedan $228 $558 $264 $16 $80 $1,171 $98
Civic EX-L 2-Dr Coupe $228 $558 $330 $20 $100 $1,261 $105
Civic Hybrid 4-Dr Sedan $258 $484 $264 $16 $80 $1,127 $94
Civic SI 2-Dr Coupe $258 $632 $330 $20 $100 $1,365 $114
Get Your Own Custom Quote Go
Honda Civic insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $110 $216 $264 $16 $80 $686 $57
Civic VP 4-Dr Sedan $110 $256 $264 $16 $80 $726 $61
Civic LX 4-Dr Sedan $110 $256 $264 $16 $80 $726 $61
Civic DX 2-Dr Coupe $110 $256 $330 $20 $100 $816 $68
Civic EX 4-Dr Sedan $110 $256 $264 $16 $80 $726 $61
Civic LX-S 4-Dr Sedan $110 $256 $264 $16 $80 $726 $61
Civic LX 2-Dr Coupe $110 $294 $330 $20 $100 $854 $71
Civic EX-L 4-Dr Sedan $126 $294 $264 $16 $80 $780 $65
Civic SI 4-Dr Sedan $126 $294 $264 $16 $80 $780 $65
Civic EX 2-Dr Coupe $126 $294 $330 $20 $100 $870 $73
Civic GX 4-Dr Sedan $126 $294 $264 $16 $80 $780 $65
Civic EX-L 2-Dr Coupe $126 $294 $330 $20 $100 $870 $73
Civic Hybrid 4-Dr Sedan $142 $256 $264 $16 $80 $758 $63
Civic SI 2-Dr Coupe $142 $332 $330 $20 $100 $924 $77
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Price estimates do not factor in vehicle garaging location which can influence premium rates considerably.

Based on the figures above, using a $100 deductible costs roughly $30 more each month or $360 each year than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 30 months between claim filings, you would most likely save money if you elect the higher deductible. The numbers below show how this calculation is made.

Average monthly premium for $100 deductibles: $96
Average monthly premium for $1,000 deductibles (subtract): - $66
Monthly savings from raising deductible: $30
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

One big caveat is that a higher deductible means you will have to pay more of your own money if you have a claim. That will require some savings in the event you have to pay the deductible to have repairs made.

Policy deductible comparison

The diagram below demonstrates how choosing different deductibles and can impact Honda Civic insurance costs for different age groups. The data is based on a married female driver, full physical damage coverage, and no discounts are factored in.

Different people need different insurance coverages

When quoting and choosing adequate coverage, there isn't really a best way to insure your cars. Your needs are not the same as everyone else's.Drive safe and save

Here are some questions about coverages that might help in determining whether you may require specific advice.

If you can't answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form.

Compare rate quotes but work with a local neighborhood Honolulu car insurance agent

A small number of people still prefer to talk to an insurance agent and that is OK! The biggest benefit of comparing insurance prices online is you may find cheap insurance rates but still work with a licensed agent. Putting coverage with neighborhood insurance agencies is especially important in Honolulu.

Insurance agents in HonoluluTo find an agent, once you fill out this simple form, the quote information gets sent to insurance agents in Honolulu who will give you quotes for your insurance coverage. It simplifies rate comparisons since you won't have to search for any insurance agencies as quotes are delivered immediately to you. You can find lower rates and a licensed agent to work with. If you wish to get a rate quote from a specific company, you just need to visit that company's website and give them your coverage information.

If you would like to find an insurance agent, there are a couple of different types of agencies and how they differ in how they quote coverages. Insurance policy providers are considered either exclusive or independent agents depending on their company appointments.

Independent Agents

Agents that elect to be independent can quote rates with many companies so they can insure your vehicles with multiple insurance companies and help determine which has the cheapest rates. If they quote lower rates, they simply move your policy to a different company without you having to go to a different agency. If you are comparing insurance prices, we recommend you compare prices from a couple of independent agencies in order to have the best price comparison. Many independent agencies also insure through lesser-known insurance companies that many times have cheaper rates.

Below is a small list of independent agents in Honolulu that can possibly get you comparison quotes.

More insurance agents

Exclusive Insurance Agencies

Agents of this type can only provide one company's prices and examples are State Farm, Allstate and AAA. Exclusive agents cannot provide rate quotes from other companies so keep that in mind. They are well schooled on the products they sell which can be an advantage. Some people will only buy insurance from these agents primarily because of loyalty to the company and strong financial ratings.

Listed below are Honolulu exclusive agencies willing to provide rate quotes.

More insurance agents

Finding a good car insurance agent is decision based upon more than just the price. These are valid questions to ask:

Affordable insurance rates are possible

Cheaper Honda Civic insurance in Honolulu can be bought on the web and also from your neighborhood Honolulu agents, so you need to quote Honolulu auto insurance with both so you have a total pricing picture. A few companies don't offer online price quotes and usually these regional carriers only sell through local independent agencies.

In this article, we covered a lot of techniques to find cheap Honda Civic insurance in Honolulu. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even find the lowest rates come from a small local company.

As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped comprehensive coverage or liability limits and found out when filing a claim that the savings was not a smart move. Your focus should be to get the best coverage possible at a price you can afford.

Much more information about insurance in Hawaii can be read at these links: