Want to save money and find the cheapest Honda Civic insurance in Virginia Beach? Scraping up a payment for high-priced Honda Civic insurance in Virginia Beach can dwindle your accounts and force you to prioritize other expenses. Doing a rate comparison is an excellent way to cut your insurance bill.
Unbelievable but true, almost 70% of insureds in Virginia have stayed with the same insurance company for more than four years, and practically 40% of auto insurance customers have never even shopped around for lower-cost coverage. With the average auto insurance premium being $1,847, U.S. drivers could save nearly $860 every year by just comparing rate quotes, but they don’t want to take the time to save money by comparing rate quotes.
Steps to buying low-cost Honda Civic insurance in Virginia Beach
If you want to find the absolute lowest rates, then the best way to get budget Honda Civic insurance in Virginia Beach is to start comparing prices yearly from insurance carriers who provide car insurance in Virginia. Rates can be compared by following these guidelines.
- Step 1: Try to comprehend how car insurance works and the factors you can control to drop your rates. Many things that are responsible for high rates such as speeding and a substandard credit history can be eliminated by making minor changes to your lifestyle. This article gives ideas to help keep prices low and find missing discounts.
- Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or State Farm, while agents who are independent can provide price quotes from multiple companies. View prices
- Step 3: Compare the new rate quotes to your current policy and see if there is a cheaper rate. If you find better rates and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
A good tip to remember is to use the same level of coverage on every quote and and to get price estimates from as many different companies as possible. This provides an apples-to-apples comparison and many rates to choose from.
Lots of car insurance companies contend for your hard-earned dollar, so it’s not easy to compare every insurance company to find the lowest rate possible on Honda Civic insurance in Virginia Beach.
Smart consumers take time to get comparison quotes on a regular basis since insurance rates trend upward over time. Just because you had the best deal on Honda Civic insurance in Virginia Beach a couple years back you may be paying too much now. Block out anything you think you know about auto insurance because you’re going to get a crash course in one of the quickest ways to properly buy coverages and cut your premium.
If you have coverage now, you will definitely be able to save money using these tips. Locating the most cost-effective insurance policy in Virginia Beach can really be easy if you know what you’re doing. But Virginia consumers should learn the methods companies use to price online insurance and use it to your advantage.
Affordable rates by receiving discounts
Insuring your fleet can be pricey, but companies offer discounts to help offset the cost. Some of these discounts will be visible when you purchase, but occasionally some discounts must be inquired about before you will receive the discount. If you’re not getting every credit available, you are just wasting money.
- Drivers Ed for Students – It’s a good idea to have your young drivers enroll and complete driver’s education if offered at their school.
- Discounts for Cautious Drivers – Drivers without accidents may save up to 50% more than drivers with accidents.
- 55 and Retired – Mature drivers can get a small discount on rates.
- College Student Discount – Older children who are enrolled in a college that is more than 100 miles from Virginia Beach and leave their car at home could get you a discount.
- ABS and Traction Control Discounts – Cars and trucks with ABS and/or traction control have fewer accidents and therefore earn up to a 10% discount.
We need to note that most credits do not apply to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, it’s just not the way it works. Any amount of discount will definitely lower your premiums.
The example below visualizes the comparison of Honda Civic insurance prices with and without discounts. The data assumes a male driver, no driving violations, no at-fault accidents, Virginia state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, homeowner, marriage, multi-car, and safe-driver discounts applied.
A few popular companies and a partial list of their discounts are outlined below.
- State Farm policyholders can earn discounts including passive restraint, student away at school, Steer Clear safe driver discount, anti-theft, safe vehicle, and accident-free.
- GEICO includes discounts for defensive driver, membership and employees, five-year accident-free, air bags, multi-policy, seat belt use, and daytime running lights.
- Progressive discounts include multi-policy, homeowner, multi-vehicle, online signing, good student, continuous coverage, and online quote discount.
- 21st Century may have discounts that include homeowners, defensive driver, air bags, 55 and older, early bird, automatic seat belts, and anti-lock brakes.
- American Family offers premium reductions for TimeAway discount, bundled insurance, multi-vehicle, mySafetyValet, and good driver.
- The Hartford has discounts for anti-theft, driver training, vehicle fuel type, defensive driver, air bag, and good student.
- AAA offers discounts including pay-in-full, AAA membership discount, anti-theft, multi-policy, good driver, multi-car, and education and occupation.
If you need affordable Honda Civic insurance quotes, ask each company or agent the best way to save money. Discounts may not be available in Virginia Beach. To choose insurance companies who offer cheap Honda Civic insurance quotes in Virginia Beach, click this link.
Just keep in mind that comparing a wide range of rates helps locate a lower rate than you’re paying now.
The companies in the list below provide free rate quotes in Virginia. If multiple companies are listed, we recommend you get rate quotes from several of them in order to get a fair rate comparison.
Auto insurance analysis for a Honda Civic
The coverage information shown below showcases different policy rates for Honda Civic models. Learning how car insurance prices are established is important for drivers to make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $110 | $230 | $248 | $14 | $74 | $676 | $56 |
| Civic VP 4-Dr Sedan | $110 | $270 | $248 | $14 | $74 | $716 | $60 |
| Civic LX 4-Dr Sedan | $110 | $270 | $248 | $14 | $74 | $716 | $60 |
| Civic DX 2-Dr Coupe | $110 | $270 | $308 | $18 | $92 | $798 | $67 |
| Civic EX 4-Dr Sedan | $110 | $270 | $248 | $14 | $74 | $716 | $60 |
| Civic LX-S 4-Dr Sedan | $110 | $270 | $248 | $14 | $74 | $716 | $60 |
| Civic LX 2-Dr Coupe | $110 | $312 | $308 | $18 | $92 | $840 | $70 |
| Civic EX-L 4-Dr Sedan | $126 | $312 | $248 | $14 | $74 | $774 | $65 |
| Civic SI 4-Dr Sedan | $126 | $312 | $248 | $14 | $74 | $774 | $65 |
| Civic EX 2-Dr Coupe | $126 | $312 | $308 | $18 | $92 | $856 | $71 |
| Civic GX 4-Dr Sedan | $126 | $312 | $248 | $14 | $74 | $774 | $65 |
| Civic EX-L 2-Dr Coupe | $126 | $312 | $308 | $18 | $92 | $856 | $71 |
| Civic Hybrid 4-Dr Sedan | $142 | $270 | $248 | $14 | $74 | $748 | $62 |
| Civic SI 2-Dr Coupe | $142 | $352 | $308 | $18 | $92 | $912 | $76 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rates do not factor in garaging location in Virginia Beach which can decrease or increase price quotes greatly.
Raise deductibles and save
One frequently asked question is how low should you set your deductibles. The rates shown below lay out how much more you’ll pay between high and low insurance deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $174 | $336 | $258 | $16 | $78 | $887 | $74 |
| Civic VP 4-Dr Sedan | $174 | $394 | $258 | $16 | $78 | $945 | $79 |
| Civic LX 4-Dr Sedan | $174 | $394 | $258 | $16 | $78 | $945 | $79 |
| Civic DX 2-Dr Coupe | $174 | $394 | $322 | $20 | $96 | $1,031 | $86 |
| Civic EX 4-Dr Sedan | $174 | $394 | $258 | $16 | $78 | $945 | $79 |
| Civic LX-S 4-Dr Sedan | $174 | $394 | $258 | $16 | $78 | $945 | $79 |
| Civic LX 2-Dr Coupe | $174 | $454 | $322 | $20 | $96 | $1,091 | $91 |
| Civic EX-L 4-Dr Sedan | $198 | $454 | $258 | $16 | $78 | $1,029 | $86 |
| Civic SI 4-Dr Sedan | $198 | $454 | $258 | $16 | $78 | $1,029 | $86 |
| Civic EX 2-Dr Coupe | $198 | $454 | $322 | $20 | $96 | $1,115 | $93 |
| Civic GX 4-Dr Sedan | $198 | $454 | $258 | $16 | $78 | $1,029 | $86 |
| Civic EX-L 2-Dr Coupe | $198 | $454 | $322 | $20 | $96 | $1,115 | $93 |
| Civic Hybrid 4-Dr Sedan | $224 | $394 | $258 | $16 | $78 | $995 | $83 |
| Civic SI 2-Dr Coupe | $224 | $514 | $322 | $20 | $96 | $1,201 | $100 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $140 | $270 | $258 | $16 | $78 | $762 | $64 |
| Civic VP 4-Dr Sedan | $140 | $318 | $258 | $16 | $78 | $810 | $68 |
| Civic LX 4-Dr Sedan | $140 | $318 | $258 | $16 | $78 | $810 | $68 |
| Civic DX 2-Dr Coupe | $140 | $318 | $322 | $20 | $96 | $896 | $75 |
| Civic EX 4-Dr Sedan | $140 | $318 | $258 | $16 | $78 | $810 | $68 |
| Civic LX-S 4-Dr Sedan | $140 | $318 | $258 | $16 | $78 | $810 | $68 |
| Civic LX 2-Dr Coupe | $140 | $366 | $322 | $20 | $96 | $944 | $79 |
| Civic EX-L 4-Dr Sedan | $162 | $366 | $258 | $16 | $78 | $880 | $73 |
| Civic SI 4-Dr Sedan | $162 | $366 | $258 | $16 | $78 | $880 | $73 |
| Civic EX 2-Dr Coupe | $162 | $366 | $322 | $20 | $96 | $966 | $81 |
| Civic GX 4-Dr Sedan | $162 | $366 | $258 | $16 | $78 | $880 | $73 |
| Civic EX-L 2-Dr Coupe | $162 | $366 | $322 | $20 | $96 | $966 | $81 |
| Civic Hybrid 4-Dr Sedan | $182 | $318 | $258 | $16 | $78 | $852 | $71 |
| Civic SI 2-Dr Coupe | $182 | $414 | $322 | $20 | $96 | $1,034 | $86 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Price estimates do not factor in specific zip code location which can change coverage prices considerably.
We can estimate from the data above that using a $250 deductible will cost you about $12 more each month or $144 a year averaged for all Civic models than opting for the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you usually have more than 21 months between claim filings, you would probably save some money if you opt for a higher deductible. The illustration below shows an example of how you can do this calculation yourself.
| Average monthly premium for $250 deductibles: | $85 |
| Average monthly premium for $500 deductibles (subtract): | – $73 |
| Monthly savings from raising deductible: | $12 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $12 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
One important note is that raising deductibles results in more money out-of-pocket when you file a claim. It will be required that you have some available funds in order to pay the higher deductible in order to repair your vehicle.
Bad driving habits will cost you more
The illustration below illustrates how violations and accidents can influence Honda Civic car insurance costs for different ages of insureds. The rate quotes are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.
Auto insurance rates by gender and age
The information below illustrates the comparison of Honda Civic auto insurance rates for male and female drivers. The data is based on no driving violations, no at-fault accidents, full coverage, $1,000 deductibles, single marital status, and no discounts are applied.
Do you need full coverage?
The chart below illustrates the comparison of Honda Civic premium costs with liability coverage only compared to full coverage. The prices are based on no claims, a clean driving record, $250 deductibles, drivers are not married, and no discounts are applied.
When to drop full coverage
There is no set rule of when to drop physical damage insurance, but there is a general school of thought. If the yearly cost of full coverage is more than 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Honda Civic book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $2,000 after paying your deductible. If you are currently paying more than $200 annually for your policy with full coverage, then you might want to think about dropping full coverage.
There are some cases where buying only liability insurance is not in your best interest. If you still have a loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should maintain full coverage.
Buying from insurance agencies
A small number of people would rather go talk to an agent and we recommend doing that The best thing about comparing insurance prices online is you can get better rates and also buy local. Buying from and supporting local agencies is still important in Virginia Beach.
After completing this short form, your information is immediately sent to agents in your area that can provide free Virginia Beach auto insurance quotes for your coverage. It makes it easy because there is no need to search for any insurance agencies because quoted prices will be sent instantly to you. You can get cheaper car insurance rates and a licensed agent to work with. If you wish to get a price quote from one company in particular, you just need to navigate to their website and complete a quote there.
If you are wanting to purchase car insurance from a local agent, you should know the different types of agencies and how they work. Agents in Virginia Beach can be categorized as either exclusive agents or independent agents.
Independent Car Insurance Agents (or Brokers)
Agents that elect to be independent can quote rates with many companies and that allows them to write policies with many different companies and potentially find a lower price. If your premiums go up, they simply move your policy to a different company and you don’t have to switch agencies.
When comparing rate quotes, we recommend you contact a couple of independent agencies so that you have a good selection of quotes to compare.
Shown below are independent agents in Virginia Beach that may be able to provide competitive price quotes.
Towne Insurance
301 Bendix Rd #300 – Virginia Beach, VA 23452 – (757) 468-6100 – View Map
Bell Insurance Agency Corporation
1501 Cornwell Ln – Virginia Beach, VA 23454 – (757) 340-0028 – View Map
Hampton Roads Insurance
633-D Independence Blvd – Virginia Beach, VA 23462 – (757) 285-4754 – View Map
Exclusive Agencies
Agents in the exclusive channel generally can only insure with one company such as Allstate, State Farm and Farm Bureau. These agents are unable to shop your coverage around so they have no alternatives for high prices. Exclusive agencies are very knowledgeable on sales techniques which helps them sell insurance even at higher premiums.
The following are Virginia Beach exclusive insurance agents who can help you get price quotes.
Paula Rosati – State Farm Insurance Agent
4221 Pleasant Valley Rd #108 – Virginia Beach, VA 23464 – (757) 467-4300 – View Map
Allstate Insurance: Ralph M. Rios
2492 N Landing Rd #101 – Virginia Beach, VA 23456 – (757) 467-2800 – View Map
Charlie Hendrick – State Farm Insurance Agent
5350 Kemps River Dr #101 – Virginia Beach, VA 23464 – (757) 523-4115 – View Map
Picking a auto insurance agent requires more thought than just the quoted price. These are valid questions to ask:
- How much training do they have in personal risk management?
- Did they already check your driving record and credit reports?
- Will high miles depreciate repair valuations?
- What kind of financial rating does the company have?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Will your rates increase after a single accident?
Be persistent and save
When getting Virginia Beach auto insurance quotes online, it’s not a good idea to reduce coverage to reduce premium. Too many times, drivers have reduced comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. Your aim should be to find the BEST coverage at the lowest possible cost but still have enough coverage for asset protection.
You just read quite a bit of information on how to get a better price on Honda Civic insurance in Virginia Beach. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even find the lowest car insurance rates are with some of the smallest insurance companies. These companies can often provide lower premium rates in certain areas than the large multi-state companies such as GEICO and State Farm.
How to save money on Honda Civic insurance in Virginia Beach
If your goal is the lowest price, then the best way to get low-cost car insurance rates in Virginia Beach is to make a habit of regularly comparing prices from providers who sell insurance in Virginia. Drivers can shop around by following these steps.
First, try to understand the different coverages in a policy and the changes you can make to prevent high rates. Many rating factors that are responsible for high rates such as traffic tickets, fender benders, and bad credit can be remedied by making lifestyle changes or driving safer.
Second, request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like GEICO and State Farm, while independent agencies can quote prices for a wide range of companies.
Third, compare the quotes to the price on your current policy to see if a cheaper price is available in Virginia Beach. If you can save some money, make sure there is no coverage gap between policies.
Fourth, provide proper notification to your current company of your intention to cancel your current policy. Submit a down payment along with a completed application to your new carrier. Once the application is submitted, place your new certificate of insurance along with the vehicle’s registration papers.
One bit of advice is to compare identical limits and deductibles on every quote and to quote with as many car insurance companies as possible. Doing this ensures a fair rate comparison and the best rate selection.
Additional detailed information is available in these articles:
- Choosing a Car for Your Teen (State Farm)
- Who Has Cheap Virginia Beach Car Insurance Rates for Low Credit Scores? (FAQ)
- Who Has the Cheapest Virginia Beach Auto Insurance for Seniors? (FAQ)
- Who Has Affordable Auto Insurance for Felons in Virginia Beach? (FAQ)
- Who Has Cheap Car Insurance Rates for a Chevrolet Equinox in Virginia Beach? (FAQ)
- Who Has Cheap Car Insurance Rates for Ride Shares in Virginia Beach? (FAQ)
- Who Has Cheap Virginia Beach Auto Insurance for Drivers Under 25? (FAQ)
- Older Drivers FAQ (iihs.org)
- Young Drivers: The High Risk Years Video (iihs.org)
- Should I Buy a New or Used Car? (Allstate)