If you want to find the absolute lowest rates, then the best way to find affordable car insurance rates in Fresno is to begin comparing prices regularly from insurance carriers in California. Rate comparisons can be done by completing these steps.
- First, spend some time learning about auto insurance and the modifications you can make to lower rates. Many rating criteria that cause rate increases like speeding tickets, accidents and an unfavorable credit rating can be rectified by improving your driving habits or financial responsibility.
- Second, compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from a single company like GEICO or Allstate, while independent agents can provide rate quotes for a wide range of insurance providers. Get quotes now
- Third, compare the new rates to your existing rates and see if you can save money. If you can save money and change companies, make sure coverage is continuous and does not lapse.
- Fourth, provide adequate notice to your current company to cancel your current car insurance policy and submit a down payment along with a completed application to your new agent or company. Once received, safely store the certificate verifying proof of insurance with your registration paperwork.
A good tip to remember is to try to compare the same level of coverage on each quote request and and to compare every insurance company. This guarantees a fair price comparison and maximum price selection.
Shockingly, most car insurance customers have been with the same company for a minimum of four years, and almost 40% of drivers have never shopped around. With the average premium in California being $1,400, drivers can save nearly 35% each year just by comparing rates, but they don’t know the amount of savings they would get if they switched.
The purpose of this article is to teach you a little about how insurance works and also pocket some savings If you have insurance now, you will definitely be able to cut your premiums using the ideas presented in this article. Consumers just need to use the most time-saving way to compare company rates from multiple carriers.
Cheap Honda Civic insurance in Fresno
Some companies don’t list their entire list of discounts in a way that’s easy to find, so the list below details both the well known and also the lesser-known discounts that you can inquire about if you buy Fresno car insurance online.
- Senior Citizen Discount – If you’re over the age of 55, you are able to get better car insurance rates.
- Low Miles Discount – Low annual miles may enable drivers to earn lower prices due to less chance of an accident.
- Discount for Multiple Policies – If you combine your homeowners and auto policies and insure them with the same company you will save at least 10 to 15 percent or more.
- Auto/Life Discount – Select car insurance companies reward you with a discount if you purchase some life insurance in addition to your auto policy.
- Save with More Vehicles Insured – Buying a policy with multiple cars with the same company can get a discount on all vehicles.
- Early Signing – Some car insurance companies give discounts for switching to them prior to your current Civic insurance policy expiring. You could save around 10% when you buy Fresno car insurance online.
- Membership in Organizations – Joining certain professional organizations may earn a discount on your bill.
- Accident Waiver – Not really a discount, but a handful of insurance companies will allow you to have one accident before your rates go up with the catch being you have to be claim-free before the accident.
- No Claim Discounts – Fresno drivers who stay claim-free get the best car insurance rates in comparison to drivers with a long claim history.
Just know that some credits don’t apply to the entire cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way. But any discount will definitely lower your overall premium however.
The illustration below visualizes the comparison of Honda Civic auto insurance costs with and without discounts applied to the premium. The prices are based on a male driver, no claims or driving violations, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, homeowner, claim-free, and marriage discounts applied.
A list of companies and some of the premium reductions they offer are outlined below.
- Farm Bureau may have discounts that include youthful driver, multi-policy, good student, driver training, safe driver, and renewal discount.
- State Farm policyholders can earn discounts including multiple policy, safe vehicle, defensive driving training, passive restraint, good student, and Steer Clear safe driver discount.
- Progressive may include discounts for good student, multi-vehicle, homeowner, multi-policy, online quote discount, online signing, and continuous coverage.
- Allstate offers discounts for good payer, eSmart discount, auto/life discount, anti-lock brakes, and multi-policy.
- Nationwide includes discounts for good student, business or organization, easy pay, Farm Bureau membership, multi-policy, and family plan.
- MetLife has savings for good student, good driver, multi-policy, defensive driver, and claim-free.
Before you buy a policy, ask each insurance company the best way to save money. Discounts may not apply to policies in Fresno. To choose car insurance companies who offer cheap Honda Civic insurance quotes in California, click here to view.
The quickest way to compare policy rates for Honda Civic insurance in Fresno is to know the fact all the major auto insurance companies actually pay money for the chance to provide you with free rate quotes. The one thing you need to do is give them rating details such as if the vehicle is leased, if you have an active license, an estimate of your credit level, and your education level. That information is instantly submitted to multiple different insurance companies and they return quotes within a short period of time.
If you would like to compare rates now, click here and find out if you can get cheaper insurance in Fresno.
The providers in the list below can provide quotes in Fresno, CA. If you wish to find cheap auto insurance in Fresno, we suggest you get rate quotes from several of them to get the best price comparison.
Rates and other information
The premium information below outlines estimates of insurance costs for Honda Civic models. Having a better understanding of how prices are formulated can assist in making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $180 | $416 | $534 | $32 | $160 | $1,322 | $110 |
| Civic VP 4-Dr Sedan | $180 | $490 | $534 | $32 | $160 | $1,396 | $116 |
| Civic LX 4-Dr Sedan | $180 | $490 | $534 | $32 | $160 | $1,396 | $116 |
| Civic DX 2-Dr Coupe | $180 | $490 | $668 | $40 | $200 | $1,578 | $132 |
| Civic EX 4-Dr Sedan | $180 | $490 | $534 | $32 | $160 | $1,396 | $116 |
| Civic LX-S 4-Dr Sedan | $180 | $490 | $534 | $32 | $160 | $1,396 | $116 |
| Civic LX 2-Dr Coupe | $180 | $564 | $668 | $40 | $200 | $1,652 | $138 |
| Civic EX-L 4-Dr Sedan | $206 | $564 | $534 | $32 | $160 | $1,496 | $125 |
| Civic SI 4-Dr Sedan | $206 | $564 | $534 | $32 | $160 | $1,496 | $125 |
| Civic EX 2-Dr Coupe | $206 | $564 | $668 | $40 | $200 | $1,678 | $140 |
| Civic GX 4-Dr Sedan | $206 | $564 | $534 | $32 | $160 | $1,496 | $125 |
| Civic EX-L 2-Dr Coupe | $206 | $564 | $668 | $40 | $200 | $1,678 | $140 |
| Civic Hybrid 4-Dr Sedan | $234 | $490 | $534 | $32 | $160 | $1,450 | $121 |
| Civic SI 2-Dr Coupe | $234 | $638 | $668 | $40 | $200 | $1,780 | $148 |
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Information does not factor in specific Fresno garaging location which can affect coverage prices noticeably.
Comparison of policy deductibles
When comparing insurance rates, the most common question is how low should you set your deductibles. The comparisons below help summarize the costs and benefits between high and low comp and collision deductibles. The first rate estimation uses a $250 deductible for physical damage and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $298 | $576 | $442 | $26 | $132 | $1,499 | $125 |
| Civic VP 4-Dr Sedan | $298 | $678 | $442 | $26 | $132 | $1,601 | $133 |
| Civic LX 4-Dr Sedan | $298 | $678 | $442 | $26 | $132 | $1,601 | $133 |
| Civic DX 2-Dr Coupe | $298 | $678 | $552 | $32 | $166 | $1,751 | $146 |
| Civic EX 4-Dr Sedan | $298 | $678 | $442 | $26 | $132 | $1,601 | $133 |
| Civic LX-S 4-Dr Sedan | $298 | $678 | $442 | $26 | $132 | $1,601 | $133 |
| Civic LX 2-Dr Coupe | $298 | $780 | $552 | $32 | $166 | $1,853 | $154 |
| Civic EX-L 4-Dr Sedan | $342 | $780 | $442 | $26 | $132 | $1,747 | $146 |
| Civic SI 4-Dr Sedan | $342 | $780 | $442 | $26 | $132 | $1,747 | $146 |
| Civic EX 2-Dr Coupe | $342 | $780 | $552 | $32 | $166 | $1,897 | $158 |
| Civic GX 4-Dr Sedan | $342 | $780 | $442 | $26 | $132 | $1,747 | $146 |
| Civic EX-L 2-Dr Coupe | $342 | $780 | $552 | $32 | $166 | $1,897 | $158 |
| Civic Hybrid 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Civic SI 2-Dr Coupe | $386 | $882 | $552 | $32 | $166 | $2,043 | $170 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Civic VP 4-Dr Sedan | $184 | $426 | $442 | $26 | $132 | $1,210 | $101 |
| Civic LX 4-Dr Sedan | $184 | $426 | $442 | $26 | $132 | $1,210 | $101 |
| Civic DX 2-Dr Coupe | $184 | $426 | $552 | $32 | $166 | $1,360 | $113 |
| Civic EX 4-Dr Sedan | $184 | $426 | $442 | $26 | $132 | $1,210 | $101 |
| Civic LX-S 4-Dr Sedan | $184 | $426 | $442 | $26 | $132 | $1,210 | $101 |
| Civic LX 2-Dr Coupe | $184 | $490 | $552 | $32 | $166 | $1,424 | $119 |
| Civic EX-L 4-Dr Sedan | $210 | $490 | $442 | $26 | $132 | $1,300 | $108 |
| Civic SI 4-Dr Sedan | $210 | $490 | $442 | $26 | $132 | $1,300 | $108 |
| Civic EX 2-Dr Coupe | $210 | $490 | $552 | $32 | $166 | $1,450 | $121 |
| Civic GX 4-Dr Sedan | $210 | $490 | $442 | $26 | $132 | $1,300 | $108 |
| Civic EX-L 2-Dr Coupe | $210 | $490 | $552 | $32 | $166 | $1,450 | $121 |
| Civic Hybrid 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Civic SI 2-Dr Coupe | $238 | $556 | $552 | $32 | $166 | $1,544 | $129 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rates do not factor in specific zip code location which can lower or raise prices substantially.
Based on the data above, we can derive that using a $250 deductible costs about $35 more each month or $420 each year across all Honda Civic models than choosing the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 21 months between claim filings, you would probably be better off by selecting a higher deductible.
Violations and accidents raise rates
The example below highlights how speeding tickets and fender-benders increase Honda Civic insurance costs for different age groups. The data is based on a married male driver, comp and collision included, $250 deductibles, and no other discounts are factored in.
Full coverage rates compared to liability-only
The chart below illustrates the comparison of Honda Civic car insurance costs with full coverage compared to only the California minimum liability coverage. The price estimates are based on no driving violations, no at-fault accidents, $500 deductibles, drivers are not married, and no other discounts are factored in.
When to stop paying for full coverage
There is no definitive rule that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then it might be time to buy liability only.
For example, let’s say your Honda Civic replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $6,000 after paying the physical damage deductible. If you are paying in excess of $600 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are some conditions where only buying liability is not financially feasible. If you have an outstanding loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should maintain full coverage.
Which policy gives me the best coverage?
Always remember that when buying coverage online or from an agent for your personal vehicles, there really isn’t a “best” method to buy coverage. Everyone’s needs are different.
These are some specific questions might point out if your insurance needs may require specific advice.
- Can my babysitter drive my car?
- When can my company non-renew my policy?
- How much liability insurance is required?
- When should I remove my kid from my policy?
- How can I get high-risk coverage after a DUI?
- When would I need rental car insurance?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.
Car insurance agents can help
Some people would prefer to get professional advice from a licensed agent and there is nothing wrong with that. Most agents can answer important questions and help file insurance claims. One of the benefits of comparing insurance online is that drivers can save money and get cheap insurance rates and still have a local agent. Putting coverage with local agents is still important in Fresno.
To find an agent, once you fill out this simple form, the coverage information is sent to local insurance agents that give free quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to leave your computer because prices are sent immediately to your email address. In the event you want to quote rates from a specific insurance provider, just find their quoting web page to submit a rate quote request.
Finding a good insurance company is decision based upon more than just the premium amount. Any agent in Fresno should be willing to answer these questions.
- Does the agency support the community they serve?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- How much will you save each year by using a higher deductible?
- Are aftermarket or OEM parts used to repair vehicles?
- Can glass repairs be made at your home?
- Will high miles depreciate repair valuations?
- What company do they have the most business with?
- Do they feel the quoted coverages are adequate?
Once you have received answers to your satisfaction to these questions as well as a price you’re happy with, you may have found a company that can be relied on to properly service your insurance policy.
Quote more and you will save more
Lower-priced insurance in Fresno can be found both online in addition to local insurance agencies, so you should compare both to have the best rate selection. Some insurance providers may not have the ability to get a quote online and these small, regional companies work with independent agencies.
When buying insurance coverage, never skimp on critical coverages to save a buck or two. In many cases, an insured cut liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. Your aim should be to purchase a proper amount of coverage at the best price, but do not skimp to save money.
Consumers leave their current company for a variety of reasons including unfair underwriting practices, an unsatisfactory settlement offer, lack of trust in their agent and even delays in paying claims. Regardless of your reason for switching companies, switching insurance companies is not as difficult as it may seem.
For more information, feel free to browse these articles:
- Teen Driving Statistics (GEICO)
- Who Has Affordable Auto Insurance for Homeowners in Fresno? (FAQ)
- Who Has Affordable Auto Insurance with Multiple Speeding Tickets in Fresno? (FAQ)
- Rollover Crash FAQ (iihs.org)
- Car Insurance: When not to Skimp (BankRate.com)
- Help Your Teen Be a Better Driver (State Farm)