Affordable Insurance for a Honda Civic in Boston

Insurance for Honda CivicInconceivable but true, the vast majority of consumers have remained with the same insurance company for a minimum of four years, and 38% of drivers have never even shopped around for cheap coverage. Consumers in Boston could pocket almost $600 a year just by shopping around, but most undervalue the amount of savings they would get if they just switched companies.

The most effective way to get discount car insurance rates in Boston is to start comparing rates regularly from providers who sell insurance in Massachusetts. Price quotes can be compared by following these steps.

  1. Take a little time to learn about individual coverages and the measures you can take to lower rates. Many risk factors that cause high rates like at-fault accidents, speeding tickets, and an imperfect credit rating can be improved by making minor changes in your lifestyle. Keep reading for tips to help reduce premium rates and get additional discounts that may be available.
  2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like GEICO and State Farm, while independent agencies can provide rate quotes from multiple insurance companies. Compare rates
  3. Compare the new rate quotes to the premium of your current policy to see if switching to a new carrier will save money. If you can save some money and buy the policy, verify that coverage does not lapse between policies.

The key thing to know about shopping around is that you use the same amount of coverage on every quote and and to get prices from as many carriers as you can. Doing this enables a level playing field and maximum price selection.

Buying the cheapest insurance in Boston is actually not that difficult if you follow our advice. If you have insurance now, you stand a good chance to be able to reduce premiums using these methods. Nevertheless, Massachusetts car owners must understand how companies determine premium rates and take advantage of how the system works.

Which Honda Civic insurance is cheapest in Boston, MA?

It’s important to know that comparing more rates from different companies helps increase your odds of locating a better price. Not every company allows you to get online price quotes, so you should also compare price estimates on coverage from those companies, too.

The companies shown below are ready to provide free rate quotes in Boston, MA. If you want the cheapest car insurance in Boston, we recommend you compare several of them in order to find the cheapest rates.

Why you need to buy car insurance

Despite the high cost of buying insurance for a Honda Civic in Boston, car insurance is a good idea for several reasons.

The benefits of buying enough insurance are without a doubt worth the cost, especially for larger claims. Unknowingly, the average driver overpays more than $800 each year so it’s recommended you shop around at every policy renewal to help ensure money is not being wasted.

Coverage analysis

The coverage table displayed next outlines a range of rate quotes for Honda Civic models. Learning how insurance policy premiums are figured can aid in making smart choices when purchasing an auto insurance policy.

Honda Civic Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $196 $442 $320 $18 $96 $1,072 $89
Civic VP 4-Dr Sedan $196 $520 $320 $18 $96 $1,150 $96
Civic LX 4-Dr Sedan $196 $520 $320 $18 $96 $1,150 $96
Civic DX 2-Dr Coupe $196 $520 $402 $24 $120 $1,262 $105
Civic EX 4-Dr Sedan $196 $520 $320 $18 $96 $1,150 $96
Civic LX-S 4-Dr Sedan $196 $520 $320 $18 $96 $1,150 $96
Civic LX 2-Dr Coupe $196 $598 $402 $24 $120 $1,340 $112
Civic EX-L 4-Dr Sedan $224 $598 $320 $18 $96 $1,256 $105
Civic SI 4-Dr Sedan $224 $598 $320 $18 $96 $1,256 $105
Civic EX 2-Dr Coupe $224 $598 $402 $24 $120 $1,368 $114
Civic GX 4-Dr Sedan $224 $598 $320 $18 $96 $1,256 $105
Civic EX-L 2-Dr Coupe $224 $598 $402 $24 $120 $1,368 $114
Civic Hybrid 4-Dr Sedan $254 $520 $320 $18 $96 $1,208 $101
Civic SI 2-Dr Coupe $254 $678 $402 $24 $120 $1,478 $123
Get Your Own Custom Quote Go

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price information does not factor in specific Boston garaging location which can increase or decrease price quotes noticeably.

The diagram below illustrates how your deductible choice and can change Honda Civic insurance prices for different age groups of insureds. The rates are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Cost difference between full coverage and liability

The information below compares Honda Civic insurance costs with liability coverage only compared to full coverage. The information is based on no violations or accidents, $100 deductibles, drivers are not married, and no discounts are taken into consideration.

Deciding between full coverage and liability only

There is no specific rule of when to exclude full coverage, but there is a general school of thought. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s pretend your Honda Civic replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $2,000 after paying your deductible. If it’s costing in excess of $200 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some situations where removing full coverage is not financially feasible. If you still have a lienholder on your title, you have to carry full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.

Affordable rates on Honda Civic insurance in Boston with these auto insurance discounts

Companies don’t always advertise every policy discount very well, so the list below gives a summary of a few of the more common and also the more inconspicuous discounts that may be available.Cheaper auto insurance with discounts

Consumers should know that most discount credits are not given to the entire cost. Most cut specific coverage prices like collision or personal injury protection. If you do the math and it seems like having all the discounts means you get insurance for free, it’s just not the way it works.

The chart below visualizes the comparison of Honda Civic auto insurance rates with and without discounts applied. The rate quotes are based on a female driver, no claims, a clean driving record, Massachusetts state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, safe-driver, claim-free, homeowner, and marriage discounts applied.

A few popular companies and a selection of discounts are detailed below.

Before purchasing a policy, check with all the companies which discounts they offer. Some of the earlier mentioned discounts may not be offered everywhere.

You may need help from an insurance agency

Many people still prefer to get advice from a local agent and that can be a smart move The biggest benefit of comparing insurance online is that drivers can save money and get lower car insurance rates and still buy from a local agent.

Insurance agents in BostonTo help locate an agent, after submitting this simple form, your insurance coverage information is instantly submitted to local insurance agents in Boston that give free quotes for your insurance coverage. You never need to do any legwork because quoted prices will be sent to you instantly. You can find the lowest rates AND an agent nearby. If you need to compare prices from a specific insurance provider, you can always find their quoting web page and give them your coverage information.

Finding a good company needs to be determined by more than just a cheap price. The following questions are important to ask.

Is an exclusive or independent auto insurance agent right for you?

When researching local Boston agents, there are two types of agencies and how they can service your needs differently. Insurance agents are categorized either independent or exclusive.

Exclusive Insurance Agents

Agents in the exclusive channel work for only one company like Allstate, Farmers Insurance, State Farm, and AAA. These agents are unable to give you multiple price quotes so keep that in mind. Exclusive agencies are trained well on their products and sales techniques which helps them sell insurance even at higher premiums. Many people buy insurance from these agents partially due to the brand legacy rather than having low rates.

Shown below are Boston exclusive insurance agencies willing to provide comparison quotes.

More insurance agents

Independent Insurance Agencies

Independent agencies do not work for one specific company so as a result can place your coverage through lots of different companies and possibly get better coverage at lower prices. If prices rise, an independent agent can move your coverage and you stay with the same agent. If you are comparing rate quotes, you will definitely want to get insurance quotes from several independent insurance agents to maximize your price options. They also have the ability to place coverage with small mutual carriers that may have much lower rates than larger companies.

Below is a list of independent insurance agencies in Boston that are able to give price quote information.

More insurance agents

Upon getting good responses and a low price estimate, you may have just found an insurance agency that is reliable enough to properly insure your vehicles.

Will just any policy work for me?

When quoting and comparing insurance from an agent or online for your personal vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and your auto insurance should unique, too.Safe vehicles cost less to insure
For example, these questions may help highlight if you could use an agent’s help.

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Ratings for Boston car insurance companies

Finding the best car insurance company is hard considering how many companies provide coverage in Boston. The company rank data listed below could help you choose which coverage providers you want to consider when comparing rates.

Top 10 Boston Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. GEICO – A++
  3. Travelers – A++
  4. State Farm – A++
  5. Allstate – A+
  6. Nationwide – A+
  7. Esurance – A+
  8. Progressive – A+
  9. The Hartford – A+
  10. Mercury Insurance – A+

Top 10 Boston Car Insurance Companies Ranked by Customer Service

  1. Mercury Insurance
  2. Titan Insurance
  3. The Hartford
  4. American Family
  5. Progressive
  6. USAA
  7. Travelers
  8. State Farm
  9. GEICO
  10. Allstate

Find affordable rates by being thorough

As you restructure your insurance plan, it’s a bad idea to skimp on coverage in order to save money. In too many instances, someone dropped liability coverage limits only to discover later they didn’t have enough coverage. Your goal is to get the best coverage possible at an affordable rate, but do not sacrifice coverage to save money.

Cheaper insurance in Boston can be purchased online in addition to local insurance agencies, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not offer online rate quotes and many times these small, regional companies work with independent insurance agents.

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