Affordable Quotes for Honda Civic Insurance in Arlington

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It's hard to fathom, but the vast majority of consumers have remained with the same car insurance company for four years or more, and nearly the majority have never even compared quotes to find cheap rates. U.S. drivers could save almost 46.5% each year by just comparing quotes, but they feel it's too difficult to find cheap rates by getting comparison quotes.

Discount Honda Civic insuranceThe best way to find lower priced car insurance rates in Arlington is to begin comparing prices regularly from insurance carriers who provide auto insurance in Texas.

  • Step 1: Try to learn a little about how companies set rates and the factors you can control to drop your rates. Many things that drive up the price such as traffic violations and poor credit history can be remedied by making minor changes in your lifestyle.
  • Step 2: Request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from one company like Progressive or State Farm, while independent agents can provide prices for a wide range of insurance providers.
  • Step 3: Compare the new rate quotes to your existing policy and determine if cheaper Civic coverage is available. If you find better rates and make a switch, make sure there is no lapse in coverage.
  • Step 4: Give notification to your current company to cancel your current car insurance policy and submit payment and a signed application to your new carrier. As soon as you can, keep the new certificate verifying proof of insurance in your vehicle's glove compartment or console.

One piece of advice is to use the same amount of coverage on every quote and and to get quotes from as many companies as you can. This guarantees a level playing field and the most accurate and complete price analysis.

The best way we recommend to compare rate quotes for Honda Civic insurance in Arlington is to understand auto insurance companies actually pay money for the chance to compare their rates. The only thing you need to do is provide information including how old drivers are, if you are currently licensed, if a SR-22 is needed, and level of coverage desired. That rating information is then sent to insurance carriers in your area and you receive quotes instantly.

To compare cheap Honda Civic insurance rates now, click here and see if a lower rate is available in Arlington.

The companies in the list below offer free rate quotes in Arlington, TX. If your goal is to find the cheapest car insurance in Texas, we suggest you click on several of them to get a more complete price comparison.

Arlington auto insurance discounts

Some insurers don't always publicize the entire discount list in an easy-to-find place, so the following list contains some of the more common as well as some of the hidden credits that you can use to lower your rates.Auto insurance discounts

  • Claim-Free Discount - Drivers who don't have accidents pay much less as opposed to accident-prone drivers.
  • Good Student Discount - Getting good grades can save 20 to 25%. Most companies allow this discount well after school through age 25.
  • Driver Training Discounts - Successfully completing a course that instructs on driving safety could earn you a small percentage discount if you qualify.
  • Save with More Vehicles Insured - Purchasing coverage when you have more than one vehicle with the same auto insurance company can reduce the rates for all insured vehicles.
  • Clubs and Organizations - Belonging to certain professional organizations could trigger savings on your next renewal.

A little note about advertised discounts, most discount credits are not given to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. Even though it appears adding up those discounts means a free policy, companies wouldn't make money that way. But any discount will cut your overall premium however.

The example below visualizes the comparison of Honda Civic auto insurance rates with and without discounts applied to the policy premium. The premiums assume a male driver, no claims or driving violations, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, claim-free, safe-driver, and multi-car discounts applied.

The best auto insurance companies and their offered discounts are:

  • Farm Bureau offers discounts including youthful driver, good student, driver training, 55 and retired, multi-policy, renewal discount, and safe driver.
  • Liberty Mutual may have discounts that include newly retired, hybrid vehicle, good student, exclusive group savings, new graduate, new vehicle discount, and newly married.
  • State Farm has discounts for defensive driving training, Steer Clear safe driver discount, accident-free, driver's education, student away at school, and multiple autos.
  • Auto-Owners Insurance has savings for safe vehicle, teen driver, air bags, safe driver, anti-lock brakes, and paperless.
  • GEICO includes discounts for daytime running lights, defensive driver, anti-lock brakes, military active duty, good student, and driver training.
  • SAFECO policyholders can earn discounts including teen safety rewards, multi-car, anti-theft, safe driver, and anti-lock brakes.

Before purchasing a policy, check with every company to give you their best rates. Discounts might not be available to policyholders in Arlington. To find companies who offer auto insurance discounts in Texas, click here to view.

Data for Honda Civic insurance

The premium table displayed next highlights different insurance premium costs for Honda Civic models. Learning how policy premiums are established is important to be able to make informed decisions when comparing rates.

Honda Civic Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $200 $422 $366 $22 $110 $1,120 $93
Civic VP 4-Dr Sedan $200 $496 $366 $22 $110 $1,194 $100
Civic LX 4-Dr Sedan $200 $496 $366 $22 $110 $1,194 $100
Civic DX 2-Dr Coupe $200 $496 $458 $28 $136 $1,318 $110
Civic EX 4-Dr Sedan $200 $496 $366 $22 $110 $1,194 $100
Civic LX-S 4-Dr Sedan $200 $496 $366 $22 $110 $1,194 $100
Civic LX 2-Dr Coupe $200 $572 $458 $28 $136 $1,394 $116
Civic EX-L 4-Dr Sedan $230 $572 $366 $22 $110 $1,300 $108
Civic SI 4-Dr Sedan $230 $572 $366 $22 $110 $1,300 $108
Civic EX 2-Dr Coupe $230 $572 $458 $28 $136 $1,424 $119
Civic GX 4-Dr Sedan $230 $572 $366 $22 $110 $1,300 $108
Civic EX-L 2-Dr Coupe $230 $572 $458 $28 $136 $1,424 $119
Civic Hybrid 4-Dr Sedan $260 $496 $366 $22 $110 $1,254 $105
Civic SI 2-Dr Coupe $260 $648 $458 $28 $136 $1,530 $128
Get Your Own Custom Quote Go

Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate information does not factor in Arlington location which can lower or raise insurance rates substantially.

Physical damage deductibles

One common question asked by Arlington drivers is which deductibles should you choose. The comparisons below can help you visualize the rate fluctuation when you select higher and lower comp and collision deductibles. The first table uses a $100 comprehensive and collision deductible and the second data table uses a $1,000 deductible.

Honda Civic insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $286 $592 $382 $22 $114 $1,421 $118
Civic VP 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Civic LX 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Civic DX 2-Dr Coupe $286 $698 $476 $28 $142 $1,655 $138
Civic EX 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Civic LX-S 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Civic LX 2-Dr Coupe $286 $804 $476 $28 $142 $1,761 $147
Civic EX-L 4-Dr Sedan $328 $804 $382 $22 $114 $1,675 $140
Civic SI 4-Dr Sedan $328 $804 $382 $22 $114 $1,675 $140
Civic EX 2-Dr Coupe $328 $804 $476 $28 $142 $1,803 $150
Civic GX 4-Dr Sedan $328 $804 $382 $22 $114 $1,675 $140
Civic EX-L 2-Dr Coupe $328 $804 $476 $28 $142 $1,803 $150
Civic Hybrid 4-Dr Sedan $370 $698 $382 $22 $114 $1,611 $134
Civic SI 2-Dr Coupe $370 $908 $476 $28 $142 $1,949 $162
Get Your Own Custom Quote Go
Honda Civic insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $158 $312 $382 $22 $114 $988 $82
Civic VP 4-Dr Sedan $158 $368 $382 $22 $114 $1,044 $87
Civic LX 4-Dr Sedan $158 $368 $382 $22 $114 $1,044 $87
Civic DX 2-Dr Coupe $158 $368 $476 $28 $142 $1,172 $98
Civic EX 4-Dr Sedan $158 $368 $382 $22 $114 $1,044 $87
Civic LX-S 4-Dr Sedan $158 $368 $382 $22 $114 $1,044 $87
Civic LX 2-Dr Coupe $158 $424 $476 $28 $142 $1,228 $102
Civic EX-L 4-Dr Sedan $182 $424 $382 $22 $114 $1,124 $94
Civic SI 4-Dr Sedan $182 $424 $382 $22 $114 $1,124 $94
Civic EX 2-Dr Coupe $182 $424 $476 $28 $142 $1,252 $104
Civic GX 4-Dr Sedan $182 $424 $382 $22 $114 $1,124 $94
Civic EX-L 2-Dr Coupe $182 $424 $476 $28 $142 $1,252 $104
Civic Hybrid 4-Dr Sedan $206 $368 $382 $22 $114 $1,092 $91
Civic SI 2-Dr Coupe $206 $478 $476 $28 $142 $1,330 $111
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Information does not factor in garaging location in Arlington which can impact rates significantly.

Based on the data above, we can derive that using a $100 deductible will cost you roughly $44 more each month or $528 each year across all Honda Civic models than buying the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you go more than 20 months between claim filings, you would most likely save money if you elect the higher deductible.

The information below shows how different deductible levels and can impact Honda Civic annual premium costs for each age group. The rates are based on a single female driver, full coverage, and no other discounts are factored in.

Shop online but buy locally

Some people prefer to sit down and talk to an agent and that can be a smart move Agents are highly skilled in risk management and help submit paperwork. One of the benefits of comparing rates online is you may find lower rates and also buy local.

Upon completion of this quick form, your insurance data is immediately sent to insurance agents in Arlington who will gladly provide quotes for your insurance coverage. It makes it easy because there is no need to leave your house since rate quotes are delivered to you. In the event you want to get a comparison quote from a specific insurance company, you can always jump over to their website and submit a quote form there.

Deciding on a provider is decision based upon more than just the quoted price. These are some questions you should get answers to.

  • Do they see any coverage gaps in your plan?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Is the agency active in community causes in Arlington?
  • Can you contact them at any time?
  • Which family members are covered?
  • Do they prorate repair cost based on vehicle mileage?
  • How will an accident affect your rates?

If you are wanting to purchase auto insurance from a reliable insurance agent, there are two types of agencies and how they differ in how they quote coverages. Agents are considered either exclusive or independent (non-exclusive). Either type can insure your vehicles, but it's worth mentioning how they are different since it can impact the type of agent you choose.

Exclusive Insurance Agencies

These agents write business for a single company like Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot provide prices from multiple companies so you need to shop around if the rates are high. Exclusive agents receive extensive training in insurance sales which helps them sell on service rather than price.

The following are Arlington exclusive insurance agencies willing to provide price quote information.

3415 S Collins St #107 - Arlington, TX 76014 - (817) 466-3000 - View Map

4621 S Cooper St #119 - Arlington, TX 76017 - (817) 557-1222 - View Map

3105 W Arkansas Ln - Arlington, TX 76016 - (817) 794-5887 - View Map

More Arlington agents

Independent Insurance Agents

Agents of this type are not restricted to one company so they can write business amongst many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they can switch companies in-house and that require little work on your part.

If you are comparing rate quotes, it's a good idea to get quotes from a couple of independent agencies for maximum quote selection.

Shown below are independent agencies in Arlington that can give you price quote information.

All Texas Insurance Inc
5721 Interstate 20 W # 110, Arlington, TX 76018 - Arlington, TX 76017 - (214) 330-0033 - View Map

1700 E Pioneer Pkwy Ste 190 - Arlington, TX 76010 - (817) 460-8899 - View Map

3825 W Green Oaks Blvd Suite 250 - Arlington, TX 76016 - (972) 218-1723 - View Map

More Arlington agents

There's no such thing as the perfect insurance policy

When buying proper insurance coverage for your personal vehicles, there isn't really a one-size-fits-all type of policy. Every situation is different so this has to be addressed.Higher deductibles save money For instance, these questions might help in determining whether or not you will benefit from professional help.

  • Do I need rental car coverage?
  • Do I need an umbrella policy?
  • Do I have newly-acquired coverage?
  • Am I covered by my spouse's policy after a separation?
  • What are the financial responsibility laws in my state?
  • How high should my uninsured/underinsured coverage be in Texas?
  • Should I sign the liability waiver when renting a car?
  • Can I rate high risk drivers on liability-only vehicles?

If you're not sure about those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It's fast, free and can help protect your family.

Eight Tips to Get Cheap Arlington Insurance Premiums

One of the most helpful ways to save on car insurance is to to have a grasp of the factors that play a part in calculating the price you pay for car insurance. When consumers understand what influences your rates, this helps enable you to make changes that can earn you lower car insurance prices. Many factors are taken into consideration when quoting car insurance. Some of the criteria are obvious such as your driving record, but other criteria are not quite as obvious like your continuous coverage or how financially stable you are.

Shown below are a few of the "ingredients" used by insurance companies to determine prices.

  • Long commutes cost more - The more miles you rack up on your Honda in a year the more you'll pay to insure it. Most insurance companies price each vehicle's coverage based upon how much you drive. Vehicles that have low annual miles receive lower rates than those that get driven frequently. Having an incorrect usage rating on your Civic may be costing you. Double check that your car insurance policy properly reflects the correct driver usage, because it can save money.
  • Women tend to cost less - Over the last 50 years, statistics have shown that females tend to be a little less risky than males. However, this does not mean men are WORSE drivers than women. Both sexes get in at-fault accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Not only that, but men also get ticketed for serious violations like driving under the influence (DUI).

    The information below shows the comparison of Honda Civic insurance prices for male and female drivers. The prices are based on no violations or accidents, full physical damage coverage, $1,000 deductibles, single status, and no additional discounts are factored in.

  • High physical damage deductibles equal low rates - Coverage for physical damage, also known as collision and other-than-collision, insures against damage to your Honda. Some examples of covered claims would be colliding with a building, hitting a deer, and damage from a fallen tree branch. Deductibles for physical damage represent how much money you are willing to pay if a claim is determined to be covered. The more money you choose to pay out-of-pocket, the less your company will charge you for insurance.
  • Cheaper premiums for prior coverage - Driving any period of time without insurance is a big no-no and you will pay a penalty because you let your insurance lapse for non-payment. Not only will rates go up, not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license.
  • Credit history impacts costs - Having a good credit score can be an important factor in calculating your premium rate. Therefore, if your credit rating can be improved, you could save money insuring your Honda Civic by improving your rating. Drivers who have high credit ratings tend to file fewer claims and have better driving records as compared to drivers with poor credit scores.
  • Safety ratings are a factor - Vehicles with good safety scores tend to be cheaper to insure. Safer cars reduce injuries and fewer serious injuries means lower claim amounts and cheaper rates on your policy. If the Honda Civic has at least an "acceptable" rating on the Insurance Institute for Highway Safety website it may cost less to insure.
  • Don't abuse policy claims - Auto insurance companies in Texas give lower rates to people who do not rely on their insurance for small claims. If you are a frequent claim filer, you can look forward to higher rates. Your car insurance is designed for major claims that would cause financial hardship.
  • Careless drivers pay higher rates - Your driving record impacts your car insurance rates tremendously. Careful drivers tend to pay less for car insurance as compared to careless drivers. Having just one speeding ticket may increase your cost by as much as thirty percent. People who have flagrant tickets like DUI or willful reckless driving may need to submit a SR-22 form with their state in order to prevent their license from being revoked.

    The example below shows how violations and at-fault collisions can raise Honda Civic insurance costs for different categories of driver ages. The data assumes a single male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.

  • Insurance losses for a Honda Civic - Insurance companies factor in insurance loss information when determining insurance rates. Vehicles that the data shows to have high amounts or severity of claims will cost more for coverage. The table below outlines the loss history for Honda Civic vehicles.

    For each insurance policy coverage type, the loss probability for all vehicles, regardless of make or model, is represented as 100. Percentage values below 100 represent a good loss history, while percentage values above 100 indicate a higher chance of having a claim or a tendency for claims to be larger.

    Auto Insurance Loss Data for Honda Civic Models
    Vehicle 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

    Empty fields indicate not enough data collected
    Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Auto insurance does more than just repair your car

Even though Arlington Civic insurance rates can get expensive, insurance is required by state law in Texas and it also provides benefits you may not be aware of.

  • Most states have mandatory liability insurance requirements which means state laws require specific limits of liability coverage in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If your vehicle has a loan, almost all lenders will require that you buy full coverage to guarantee loan repayment. If you do not pay your insurance premiums, the lender may insure your Honda at a significantly higher premium and force you to pay for the much more expensive policy.
  • Auto insurance protects both your car and your personal assets. It will also provide coverage for most medical and hospital costs that are the result of an accident. Liability coverage, the one required by state law, also covers legal expenses in the event you are sued. If your car is damaged in a storm or accident, collision and comprehensive coverages will cover the repair costs.

The benefits of buying auto insurance greatly outweigh the cost, especially when you need to use it. But the average American driver is overpaying more than $750 every year so we recommend shopping around each time the policy renews to ensure rates are inline.

Which auto insurance company is best in Texas?

Ending up with the top insurance provider is hard considering how many different insurance companies sell coverage in Texas. The information listed below may help you analyze which insurers to look at when comparing rate quotes.

Top 10 Arlington Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Persistence is the key to affordable rates

More affordable insurance in Arlington is possible on the web and from local agencies, so you need to shop Arlington car insurance with both so you have a total pricing picture. Some insurance companies do not offer price quotes online and many times these smaller companies only sell coverage through independent insurance agents.

When shopping online for insurance, it's very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy enough coverage at the best price but still have enough coverage for asset protection.

Additional insurance information is available at these links: