Honda Civic Insurance Quotes in Lincoln

Insurance rates Honda Civic in LincolnThe most effective way to get affordable Honda Civic insurance in Lincoln is to do a yearly price comparison from providers who sell insurance in Nebraska.

First, try to understand how companies price auto insurance and the factors you can control to keep rates in check. Many things that cause high rates like accidents, traffic violations, and bad credit can be rectified by paying attention to minor details.

Second, compare rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like Progressive or Farmers Insurance, while agents who are independent can give you price quotes from multiple companies.

Third, compare the new rate quotes to your existing policy to see if cheaper Civic coverage is available. If you can save money and make a switch, ensure coverage does not lapse between policies.

One piece of advice is to make sure you enter identical coverage information on each quote request and and to get quotes from as many companies as possible. This provides the most accurate price comparison and and a good selection of different prices.

Unthinkable but true, the vast majority of drivers have purchased from the same company for well over three years, and just under half have never even shopped around for cheap coverage. Nebraska insurance shoppers could cut their rates by almost $388 a year, but they just don’t understand the benefits if they just switched companies.

Locating the best rates in Lincoln is actually quite easy if you know where to start. If you have coverage now, you will be able to reduce premiums using these techniques. Shoppers just have to know the least time-consuming way to compare insurance rates online from multiple companies.

Affordable companies for Honda Civic insurance

The auto insurance companies shown below are ready to provide comparison quotes in Lincoln, NE. If multiple companies are listed, we suggest you compare several of them to get the lowest price.

Honda Civic insurance charts and tables

The rate information displayed next outlines a range of insurance premium costs for Honda Civic models. Knowing how insurance premiums are determined can assist in making decisions when shopping around.

Honda Civic Insurance Rates in Lincoln, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $124 $246 $300 $18 $90 $778 $65
Civic VP 4-Dr Sedan $124 $290 $300 $18 $90 $822 $69
Civic LX 4-Dr Sedan $124 $290 $300 $18 $90 $822 $69
Civic DX 2-Dr Coupe $124 $290 $374 $22 $112 $922 $77
Civic EX 4-Dr Sedan $124 $290 $300 $18 $90 $822 $69
Civic LX-S 4-Dr Sedan $124 $290 $300 $18 $90 $822 $69
Civic LX 2-Dr Coupe $124 $334 $374 $22 $112 $966 $81
Civic EX-L 4-Dr Sedan $144 $334 $300 $18 $90 $886 $74
Civic SI 4-Dr Sedan $144 $334 $300 $18 $90 $886 $74
Civic EX 2-Dr Coupe $144 $334 $374 $22 $112 $986 $82
Civic GX 4-Dr Sedan $144 $334 $300 $18 $90 $886 $74
Civic EX-L 2-Dr Coupe $144 $334 $374 $22 $112 $986 $82
Civic Hybrid 4-Dr Sedan $162 $290 $300 $18 $90 $860 $72
Civic SI 2-Dr Coupe $162 $376 $374 $22 $112 $1,046 $87
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price estimates do not factor in your specific Lincoln location which can revise coverage rates noticeably.

Higher deductibles lower rates

The hardest decision when buying coverage is how high should your deductibles be. The following tables approximate how much more you’ll pay of buying low and high physical damage coverage deductibles. The first rate quote example uses a $250 deductible and the second price table uses a $500 deductible.

Honda Civic insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $202 $390 $300 $18 $90 $1,025 $85
Civic VP 4-Dr Sedan $202 $460 $300 $18 $90 $1,095 $91
Civic LX 4-Dr Sedan $202 $460 $300 $18 $90 $1,095 $91
Civic DX 2-Dr Coupe $202 $460 $374 $22 $112 $1,195 $100
Civic EX 4-Dr Sedan $202 $460 $300 $18 $90 $1,095 $91
Civic LX-S 4-Dr Sedan $202 $460 $300 $18 $90 $1,095 $91
Civic LX 2-Dr Coupe $202 $530 $374 $22 $112 $1,265 $105
Civic EX-L 4-Dr Sedan $232 $530 $300 $18 $90 $1,195 $100
Civic SI 4-Dr Sedan $232 $530 $300 $18 $90 $1,195 $100
Civic EX 2-Dr Coupe $232 $530 $374 $22 $112 $1,295 $108
Civic GX 4-Dr Sedan $232 $530 $300 $18 $90 $1,195 $100
Civic EX-L 2-Dr Coupe $232 $530 $374 $22 $112 $1,295 $108
Civic Hybrid 4-Dr Sedan $262 $460 $300 $18 $90 $1,155 $96
Civic SI 2-Dr Coupe $262 $600 $374 $22 $112 $1,395 $116
Get Your Own Custom Quote Go

Honda Civic insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $164 $314 $300 $18 $90 $886 $74
Civic VP 4-Dr Sedan $164 $370 $300 $18 $90 $942 $79
Civic LX 4-Dr Sedan $164 $370 $300 $18 $90 $942 $79
Civic DX 2-Dr Coupe $164 $370 $374 $22 $112 $1,042 $87
Civic EX 4-Dr Sedan $164 $370 $300 $18 $90 $942 $79
Civic LX-S 4-Dr Sedan $164 $370 $300 $18 $90 $942 $79
Civic LX 2-Dr Coupe $164 $428 $374 $22 $112 $1,100 $92
Civic EX-L 4-Dr Sedan $188 $428 $300 $18 $90 $1,024 $85
Civic SI 4-Dr Sedan $188 $428 $300 $18 $90 $1,024 $85
Civic EX 2-Dr Coupe $188 $428 $374 $22 $112 $1,124 $94
Civic GX 4-Dr Sedan $188 $428 $300 $18 $90 $1,024 $85
Civic EX-L 2-Dr Coupe $188 $428 $374 $22 $112 $1,124 $94
Civic Hybrid 4-Dr Sedan $212 $370 $300 $18 $90 $990 $83
Civic SI 2-Dr Coupe $212 $484 $374 $22 $112 $1,204 $100
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can revise premium rates significantly.

Using the data above, we can ascertain that using a $250 deductible costs roughly $14 more each month or $168 each year than quoting the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 18 months between claims, you would most likely save money if you choose a higher deductible.

The illustration below shows how choosing a deductible and can influence Honda Civic premium costs for different ages of insureds. The premiums are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Drive safe and save

The chart below shows how violations and at-fault collisions can raise Honda Civic insurance costs for each different age category. The rates are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

Rate comparison of male drivers versus female drivers

The information below illustrates the comparison of Honda Civic annual premium costs for male and female drivers. The premium estimates are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no discounts are factored in.

Lincoln auto insurance discounts

Insuring your vehicles can cost a lot, but companies offer discounts to help bring down the price. Certain credits will be shown at the time of purchase, but a few must be specifically requested before being credited.Cheaper auto insurance with discounts

Drivers should understand that most discounts do not apply to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. So even though they make it sound like you could get a free auto insurance policy, nobody gets a free ride.

The example below illustrates the difference between Honda Civic yearly insurance costs with and without discounts applied to the rates. The premium estimates are based on a female driver, no violations or accidents, Nebraska state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, marriage, homeowner, and safe-driver discounts applied.

A few of the larger companies and some of the discounts can be read below.

Check with each insurance company how you can save money. Some discounts listed above might not apply in Lincoln. For a list of auto insurance companies who offer free Honda Civic insurance quotes in Lincoln, follow this link.

You may need advice from an agent

Many drivers still prefer to talk to a local agent and we recommend doing that Most agents will help you protect your assets and will help you if you have claims. One of the best bonuses of getting free rate quotes online is you may find lower rates and still buy from a local agent.

Insurance agency in LincolnTo help locate an agent, after submitting this quick form, the quote information is submitted to participating agents in Lincoln who will gladly provide quotes for your insurance coverage. You won’t need to find an agent because prices are sent immediately to you. In the event you want to get a rate quote from a specific company, you can always go to their quote page and fill out their quote form.

Deciding on an provider should include more criteria than just a cheap price quote. Any agent in Lincoln should be forthright in answering these questions:

If you prefer to buy insurance from local Lincoln agents, it’s important to understand the different agency structures and how they can write your policy. Insurance agents in Lincoln can be classified as either exclusive or independent agents depending on their company appointments. Both insure your vehicles, but it’s good to learn the subtle differences because it can impact the kind of agent you use.

Exclusive Insurance Agencies

Agents of this type can only place business with one company and some examples include Allstate and State Farm. They are unable to compare other company’s rates so they have no alternatives for high prices. Exclusive agents are well trained in insurance sales which helps them sell on service rather than price.

The following is a short list of exclusive agents in Lincoln willing to provide rate quotes.

5730 R St Ste DLincoln, NE 68505(402) 423-1224View Map

4640 Champlain Dr #121Lincoln, NE 68521(402) 477-8383View Map

3100 O St #3Lincoln, NE 68510(402) 420-5355View Map

More insurance agents

Independent Agencies or Brokers

Agents that elect to be independent often have many company appointments so as a result can place your coverage with lots of companies and find you the best rates. If you want to switch companies, they simply switch companies in-house and you don’t have to find a new agent. If you need cheaper insurance rates, it’s recommended you get rate quotes from a couple of independent agencies in order to compare the most rates.

The following are independent insurance agents in Lincoln willing to provide price quotes.

505 N 27th St #2Lincoln, NE 68503(402) 484-5454View Map

Buethe and Associates Insurance Agency
2337 S 13th StLincoln, NE 68542(402) 474-2063View Map

201 S 84th StLincoln, NE 68510(800) 873-9713View Map

More insurance agents

Lincoln auto insurance companies

Insuring your vehicle with the best auto insurance provider can be a challenge considering how many companies there are in Nebraska. The company ratings shown below may help you choose which providers you want to consider when looking for cheaper rates.

Top 10 Lincoln Car Insurance Companies Ranked by Value

  1. USAA
  2. GEICO
  3. AAA Insurance
  4. Liberty Mutual
  5. State Farm
  6. Allstate
  7. Safeco Insurance
  8. Travelers
  9. 21st Century
  10. Nationwide

Top 10 Lincoln Car Insurance Companies Ranked by Customer Service

  1. State Farm
  2. Nationwide
  3. Safeco Insurance
  4. American Family
  5. Travelers
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. The Hartford
  10. Farmers Insurance

Specific coverage details

Having a good grasp of auto insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverages found on most auto insurance policies.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for X-ray expenses, EMT expenses, surgery, dental work and funeral costs. They can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive protection

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like vandalism, a tree branch falling on your vehicle and theft. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Civic.

Due to the fact that many Nebraska drivers only carry the minimum required liability limits (25/50/25), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability car insurance

Liability coverage protects you from damage that occurs to other’s property or people. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims such as structural damage, attorney fees, repair bills for other people’s vehicles, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible. Nebraska requires drivers to carry at least 25/50/25 but you should consider buying higher limits.

The next chart demonstrates why buying the state minimum limits may not be enough coverage.

Collision protection

Collision coverage will pay to fix damage to your Civic caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a mailbox, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible on your Civic to bring the cost down.

Be persistent to save money

When shopping online for car insurance, it’s very important that you do not reduce needed coverages to save money. Too many times, an insured cut collision coverage to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at a price you can afford, not the least amount of coverage.

A few companies may not have online quoting and most of the time these smaller providers prefer to sell through independent agents. The cheapest Honda Civic insurance in Lincoln can be purchased on the web in addition to many Lincoln insurance agents, and you should be comparing both to get a complete price analysis.

More information can be read at these links: