Getting more affordable Laredo Honda Civic insurance quotes might seem problematic for beginners to buying their insurance online. With dozens of insurance companies available, how can you possibly compare all the different companies and get the lowest price available?
Steps to finding more affordable Honda Civic insurance in Laredo
The recommended way to get budget Honda Civic insurance in Laredo is to compare prices annually from insurers that sell auto insurance in Texas. You can compare rates by following these guidelines.
Step 1: Try to understand auto insurance and the modifications you can make to prevent rate increases. Many risk factors that drive up the price like high-risk driving behaviors and poor credit can be rectified by being financially responsible and driving safely.
Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or Allstate, while independent agents can provide rate quotes from multiple companies.
Step 3: Compare the new rates to your existing coverage and determine if cheaper Civic coverage is available in Laredo. If you can save money and change companies, ensure there is no coverage lapse between policies.
Step 4: Tell your current company of your intent to cancel the current policy and submit the application along with any required down payment to your new carrier. As soon as you have the new policy, put the certificate verifying coverage in your vehicle’s glove compartment or console.
A tip to remember is to try to compare identical coverages on every price quote and and to get prices from as many companies as feasibly possible. Doing this ensures a fair rate comparison and the best price quote selection.
It goes without saying that insurance companies don’t want their policyholders to compare prices. Drivers who perform rate comparisons are very likely to switch to a new company because there is a high probability of finding a lower-cost company. A recent survey revealed that consumers who compared rates regularly saved approximately $865 annually compared to policyholders who never compared other company’s rates.
If finding the lowest price for Honda Civic insurance in Laredo is your intention, then learning about how to quote prices and compare auto insurance can make it easier for you to save money.
It’s a good idea to compare prices before your next renewal since prices are usually higher with each renewal. If you had the best deal on Honda Civic insurance in Laredo last year there may be better deals available now. Forget all the misinformation about insurance because we’re going to demonstrate the tricks you need to know to find great coverage at a great price.
If you’re already insured, you will be able to reduce the price you pay using the tips covered below. Locating the lowest-priced protection in Laredo is not as hard as you may think. But Texas consumers must learn the methods companies use to calculate their prices because it varies considerably.
To find cheap quotes, there are a couple of ways to compare quotes from many insurance companies in Texas. By far the easiest way to find the lowest Honda Civic rates involves getting comparison quotes online. Keep in mind that more quotes helps locate a better price.
The providers in the list below are ready to provide comparison quotes in Laredo, TX. To get cheap car insurance in Laredo, we recommend you visit as many as you can to find the lowest car insurance rates.
Rate information and statistics
The premium table displayed below outlines detailed analysis of coverage prices for Honda Civic models. Having a better idea how car insurance premiums are formulated can help guide drivers when making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $256 | $496 | $382 | $22 | $114 | $1,270 | $106 |
| Civic VP 4-Dr Sedan | $256 | $584 | $382 | $22 | $114 | $1,358 | $113 |
| Civic LX 4-Dr Sedan | $256 | $584 | $382 | $22 | $114 | $1,358 | $113 |
| Civic DX 2-Dr Coupe | $256 | $584 | $476 | $28 | $142 | $1,486 | $124 |
| Civic EX 4-Dr Sedan | $256 | $584 | $382 | $22 | $114 | $1,358 | $113 |
| Civic LX-S 4-Dr Sedan | $256 | $584 | $382 | $22 | $114 | $1,358 | $113 |
| Civic LX 2-Dr Coupe | $256 | $672 | $476 | $28 | $142 | $1,574 | $131 |
| Civic EX-L 4-Dr Sedan | $294 | $672 | $382 | $22 | $114 | $1,484 | $124 |
| Civic SI 4-Dr Sedan | $294 | $672 | $382 | $22 | $114 | $1,484 | $124 |
| Civic EX 2-Dr Coupe | $294 | $672 | $476 | $28 | $142 | $1,612 | $134 |
| Civic GX 4-Dr Sedan | $294 | $672 | $382 | $22 | $114 | $1,484 | $124 |
| Civic EX-L 2-Dr Coupe | $294 | $672 | $476 | $28 | $142 | $1,612 | $134 |
| Civic Hybrid 4-Dr Sedan | $332 | $584 | $382 | $22 | $114 | $1,434 | $120 |
| Civic SI 2-Dr Coupe | $332 | $762 | $476 | $28 | $142 | $1,740 | $145 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Prices do not factor in garaging location in Laredo which can modify premiums significantly.
Deductible comparison
One of the more difficult decisions when buying car insurance is what deductibles to buy. The premium rates below illustrate the differences in premium rates between low and high coverage deductibles. The first pricing table uses a $100 deductible for comp and collision and the second price chart uses a $500 deductible.
| 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 | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $208 | $400 | $382 | $22 | $114 | $1,126 | $94 |
| Civic VP 4-Dr Sedan | $208 | $472 | $382 | $22 | $114 | $1,198 | $100 |
| Civic LX 4-Dr Sedan | $208 | $472 | $382 | $22 | $114 | $1,198 | $100 |
| Civic DX 2-Dr Coupe | $208 | $472 | $476 | $28 | $142 | $1,326 | $111 |
| Civic EX 4-Dr Sedan | $208 | $472 | $382 | $22 | $114 | $1,198 | $100 |
| Civic LX-S 4-Dr Sedan | $208 | $472 | $382 | $22 | $114 | $1,198 | $100 |
| Civic LX 2-Dr Coupe | $208 | $542 | $476 | $28 | $142 | $1,396 | $116 |
| Civic EX-L 4-Dr Sedan | $240 | $542 | $382 | $22 | $114 | $1,300 | $108 |
| Civic SI 4-Dr Sedan | $240 | $542 | $382 | $22 | $114 | $1,300 | $108 |
| Civic EX 2-Dr Coupe | $240 | $542 | $476 | $28 | $142 | $1,428 | $119 |
| Civic GX 4-Dr Sedan | $240 | $542 | $382 | $22 | $114 | $1,300 | $108 |
| Civic EX-L 2-Dr Coupe | $240 | $542 | $476 | $28 | $142 | $1,428 | $119 |
| Civic Hybrid 4-Dr Sedan | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Civic SI 2-Dr Coupe | $270 | $614 | $476 | $28 | $142 | $1,530 | $128 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium amounts do not factor in zip code location which can raise or lower coverage prices substantially.
We can derive from the above data that using a $100 deductible costs about $30 more each month or $360 for a full year across all Honda Civic models than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you average more than 13 months between claims, you would save more money by going with a higher deductible.
How to know if you need help
Always keep in mind that when comparing the best auto insurance coverage for your vehicles, there really is no single plan that fits everyone. Your needs are unique to you so this has to be addressed.
For instance, these questions can aid in determining whether you would benefit from an agent’s advice.
- Should I buy full coverage?
- Is upholstery damage covered by car insurance?
- I don’t drive much so do I pay less?
- Do all my vehicles need collision coverage?
- Am I covered if I have no license?
- Does my policy cover me if I wreck while driving under the influence?
- I have good health insurance, so how much medical payments coverage do I need?
- Does coverage extend to my business vehicle?
If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.
Do I need an agent?
A lot of people still like to talk to an insurance agent and that is recommended in a lot of cases The best thing about getting free rate quotes online is that drivers can save money and get lower auto insurance rates but also keep your business local.
After filling out this short form, your insurance data is sent to agents in your area that can give you free Laredo auto insurance quotes and help you find cheaper coverage. You never need to contact any agents because prices are sent directly to your email. You’ll get the best rates and a licensed agent to work with. In the event you want to compare rates for a specific company, you just need to navigate to their website and give them your coverage information.
Finding a good provider shouldn’t rely on just the quoted price. Any good agent in Laredo should know the answers to these questions.
- Is there a local claims center in Laredo?
- Can you choose the body shop in case repairs are needed?
- Will they give you a referral list?
- Do they get paid more for recommending certain coverages?
- Is the coverage adequate for your vehicle?
- Which insurance company do they prefer to write with?
- Will they make sure you get an adequate claim settlement?
When narrowing the list to find a local insurance agency, it’s helpful to know the different types of agencies and how they function. Laredo agents are categorized either independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agencies
Agents that choose to be exclusive can usually just insure with one company and some examples include State Farm, AAA, and Liberty Mutual. They generally cannot provide other company’s prices so they are skilled at selling on more than just price. Exclusive insurance agents are usually quite knowledgeable on their company’s products which aids in selling service over price. Drivers often buy insurance from these agents mainly due to the prominence of the brand instead of buying on price only.
Shown below is a short list of exclusive agencies in Laredo who can help you get rate quotes.
- Allstate Insurance Agent: Mike Cortez
201 W Del Mar Blvd Ste 16 – Laredo, TX 78041 – (956) 723-6453 – View Map - Farmers Insurance – Pedro Sanchez
5916 San Bernardo Ave – Laredo, TX 78041 – (956) 722-8445 – View Map - Luis Estrada – State Farm Insurance Agent
3660 E Del Mar Blvd #9 – Laredo, TX 78041 – (956) 568-8013 – View Map
Independent Insurance Agents
Agents in the independent channel are not required to write business for one company and that gives them the ability to insure with any number of different companies and find you cheaper rates. If they quote lower rates, your policy is moved internally and you don’t have to do anything.
If you need cheaper car insurance rates, we recommend you include price quotes from at a minimum one independent agency to get the most accurate price comparison. Many independent agencies also insure through mutual insurance companies that may have much lower rates than larger companies.
Shown below are independent agents in Laredo willing to provide price quote information.
- SafeGuard Insurance Agency
104 E Calton Rd Ste 101 – Laredo, TX 78041 – (888) 552-4368 – View Map - Zimmerman Insurance
3515 N Arkansas Ave #107 – Laredo, TX 78043 – (956) 796-1115 – View Map - Benavides~Arellano Insurance
5901 McPherson Rd – Laredo, TX 78041 – (956) 723-0688 – View Map