Insurance rates Honda Civic in OrlandoTrying to find more affordable Honda Civic insurance in Orlando? Locating the cheapest insurance for a new or used Honda Civic in Florida can be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to find car insurance online so you're going to learn the best way to price shop coverage on a Honda and locate the cheapest rates.

If you have a policy now or just want cheaper rates, you can learn to cut your premiums while maintaining coverages. Comparing rates for the most affordable protection in Orlando is easy to do. Smart shoppers only need to know the most effective way to shop their coverage around online from multiple companies.

How to buy Honda Civic insurance in Orlando

Finding a better price on insurance can be surprisingly simple. The only requirement is to spend a few minutes on the computer comparing price quotes to see which company has cheaper Orlando car insurance quotes.

The companies in the list below offer price comparisons in Orlando, FL. If your goal is to find the best cheap auto insurance in Florida, we recommend you compare several of them to get a more complete price comparison.

Honda Civic Insurance Price Estimates in Orlando, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $198 $342 $546 $32 $164 $1,282 $107
Civic VP 4-Dr Sedan $178 $438 $400 $24 $120 $1,160 $97
Civic LX 4-Dr Sedan $272 $628 $426 $26 $128 $1,480 $123
Civic DX 2-Dr Coupe $150 $394 $548 $32 $164 $1,288 $107
Civic EX 4-Dr Sedan $242 $660 $472 $28 $142 $1,544 $129
Civic LX-S 4-Dr Sedan $242 $660 $472 $28 $142 $1,544 $129
Civic LX 2-Dr Coupe $244 $748 $500 $30 $150 $1,672 $139
Civic EX-L 4-Dr Sedan $276 $730 $392 $24 $118 $1,540 $128
Civic SI 4-Dr Sedan $256 $684 $504 $30 $152 $1,626 $136
Civic EX 2-Dr Coupe $196 $532 $630 $38 $188 $1,584 $132
Civic GX 4-Dr Sedan $248 $612 $392 $24 $118 $1,394 $116
Civic EX-L 2-Dr Coupe $368 $736 $684 $40 $204 $2,032 $169
Civic Hybrid 4-Dr Sedan $312 $628 $438 $26 $132 $1,536 $128
Civic SI 2-Dr Coupe $224 $524 $522 $30 $156 $1,456 $121
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Prices do not factor in vehicle location which can increase or decrease coverage rates significantly.

Policy deductibles

The information below illustrates how choosing a deductible and can change Honda Civic insurance costs for each age group. The data assumes a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Rate comparison for different deductibles

A question often asked by Orlando drivers is how high should the physical damage deductibles be. The comparisons below lay out the rate differences between high and low comp and collision deductibles. The first data table uses a $100 comprehensive and collision deductible and the second set of rates uses a $500 deductible.

Honda Civic insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $312 $648 $418 $24 $124 $1,551 $129
Civic VP 4-Dr Sedan $312 $764 $418 $24 $124 $1,667 $139
Civic LX 4-Dr Sedan $312 $764 $418 $24 $124 $1,667 $139
Civic DX 2-Dr Coupe $312 $764 $522 $30 $156 $1,809 $151
Civic EX 4-Dr Sedan $312 $764 $418 $24 $124 $1,667 $139
Civic LX-S 4-Dr Sedan $312 $764 $418 $24 $124 $1,667 $139
Civic LX 2-Dr Coupe $312 $880 $522 $30 $156 $1,925 $160
Civic EX-L 4-Dr Sedan $358 $880 $418 $24 $124 $1,829 $152
Civic SI 4-Dr Sedan $358 $880 $418 $24 $124 $1,829 $152
Civic EX 2-Dr Coupe $358 $880 $522 $30 $156 $1,971 $164
Civic GX 4-Dr Sedan $358 $880 $418 $24 $124 $1,829 $152
Civic EX-L 2-Dr Coupe $358 $880 $522 $30 $156 $1,971 $164
Civic Hybrid 4-Dr Sedan $406 $764 $418 $24 $124 $1,761 $147
Civic SI 2-Dr Coupe $406 $994 $522 $30 $156 $2,133 $178
Get Your Own Custom Quote Go
Honda Civic insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $228 $438 $418 $24 $124 $1,232 $103
Civic VP 4-Dr Sedan $228 $516 $418 $24 $124 $1,310 $109
Civic LX 4-Dr Sedan $228 $516 $418 $24 $124 $1,310 $109
Civic DX 2-Dr Coupe $228 $516 $522 $30 $156 $1,452 $121
Civic EX 4-Dr Sedan $228 $516 $418 $24 $124 $1,310 $109
Civic LX-S 4-Dr Sedan $228 $516 $418 $24 $124 $1,310 $109
Civic LX 2-Dr Coupe $228 $594 $522 $30 $156 $1,530 $128
Civic EX-L 4-Dr Sedan $262 $594 $418 $24 $124 $1,422 $119
Civic SI 4-Dr Sedan $262 $594 $418 $24 $124 $1,422 $119
Civic EX 2-Dr Coupe $262 $594 $522 $30 $156 $1,564 $130
Civic GX 4-Dr Sedan $262 $594 $418 $24 $124 $1,422 $119
Civic EX-L 2-Dr Coupe $262 $594 $522 $30 $156 $1,564 $130
Civic Hybrid 4-Dr Sedan $296 $516 $418 $24 $124 $1,378 $115
Civic SI 2-Dr Coupe $296 $672 $522 $30 $156 $1,676 $140
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rate information does not factor in zip code location which can affect premium rates greatly.

Based on the above data, using a $100 deductible costs roughly $31 more each month or $372 annually than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at least 13 months between claims, you would probably come out ahead if you opt for a higher deductible.

You may qualify for discounts for Honda Civic insurance in Orlando

Some providers don't always advertise every discount they offer very well, so the below list has some of the more common as well as some of the hidden ways to save on auto insurance. If you're not getting every credit available, you could be saving more on your auto insurance.Save money with discounts

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as medical payments or collision. So even though you would think all those discounts means the company will pay you, you won't be that lucky. But all discounts should help lower your policy premium.

Companies and their offered discounts are detailed below.

Before you buy a policy, ask every insurance company which discounts you may be entitled to. All car insurance discounts might not be offered on policies in your area. To see insurers that provide some of the discounts listed above in Orlando, follow this link.

What if I want to buy from local Orlando auto insurance agents?

Many people still like to talk to a local agent and that is OK! Most agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of comparing rates online is that you can find lower auto insurance rates and also buy local.

Insurance agency in OrlandoAfter filling out this simple form, the coverage information is instantly submitted to participating agents in Orlando that give free quotes and help you find cheaper coverage. You won't even need to search for any insurance agencies because prices are sent to you directly. If you need to compare prices from a specific company, you can always find their quoting web page and fill out the quote form the provide.

Picking the best company requires you to look at more than just a cheap price quote. These are some valid questions you should ask.

Compare rates from both independent and exclusive car insurance agents

If you want a reliable insurance agent, you must know there are a couple different types of agents and how they can quote your rates. Car insurance agencies are either independent or exclusive depending on the company they work for. Either one can properly insure your vehicles, but it's worth mentioning how they differ since it may influence the kind of agent you use.

Exclusive Agents

Exclusive agents can only provide pricing for a single company and some examples include Allstate, State Farm and Farmers Insurance. They usually cannot shop your coverage around so you need to shop around if the rates are high. Exclusive agents are well schooled on what they offer which helps overcome the inability to quote other rates. Some consumers prefer to buy from the same agent for years primarily because of the brand instead of buying on price only.

Listed below is a short list of exclusive insurance agents in Orlando who may provide you with price quote information.

View more Orlando agents

Independent Car Insurance Agents

Independent agencies do not write with just one company so they can quote policies with multiple insurance companies and find the cheapest rate. To move your coverage to a new company, an independent agent can move your coverage which requires no work on your part.

When comparing rates, we highly recommend that you compare quotes from independent agents in order to compare the most rates. Many can place coverage with smaller regional carriers which could offer lower prices.

Listed below are Orlando independent agents who can help you get price quotes.

View more Orlando agents

Three reasons car insurance is important

Despite the high insurance cost for a Honda Civic in Orlando, paying for car insurance is most likely required but also gives you several important benefits.

The benefits of carrying adequate insurance are definitely more than the cost, particularly for liability claims. The average driver in Florida overpays as much as $750 every year so smart consumers compare quotes at least once a year to save money.

Parts of your car insurance policy

Understanding the coverages of a car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Auto liability insurance

Liability coverage will cover injuries or damage you cause to other people or property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 10/20/10 which means $10,000 in coverage for each person's injuries, a per accident bodily injury limit of $20,000, and a limit of $10,000 paid for damaged property.

Liability insurance covers claims such as repair bills for other people's vehicles, legal defense fees, medical services, loss of income and structural damage. How much coverage you buy is a personal decision, but it's cheap coverage so purchase as large an amount as possible. Florida state minimum liability requirements are 10/20/10 but it's recommended drivers buy better liability coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for dental work, nursing services, rehabilitation expenses, X-ray expenses and surgery. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Honda Civic.

Since many Florida drivers have only the minimum liability required by law (10/20/10), their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive coverage (or Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like vandalism, fire damage, a tree branch falling on your vehicle, theft and damage from flooding. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like scraping a guard rail, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible on your Civic to get cheaper collision coverage.

Compare. Compare. Compare.

Cheaper auto insurance in Orlando can be found both online in addition to many Orlando insurance agents, so get free Orlando car insurance quotes from both of them in order to have the best price selection to choose from. A few companies do not provide rate quotes online and many times these small insurance companies provide coverage only through independent agencies.

While you're price shopping online, it's not a good idea to buy poor coverage just to save money. In many cases, an insured dropped comprehensive coverage or liability limits only to regret at claim time that it was a big mistake. Your goal should be to get the best coverage possible at the best price, not the least amount of coverage.

In this article, we covered many ways to shop for Honda Civic insurance online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding inexpensive Orlando car insurance quotes. Drivers may even discover the best price on auto insurance is with a lesser-known regional company.

Much more information about auto insurance in Florida is located at these links: