Save Money on Honda Civic Insurance in Kansas City

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Insurance rates Honda Civic in Kansas CityIf saving the most money is your goal, then the best way to get discount Honda Civic insurance is to compare prices regularly from different companies who provide car insurance in Kansas City.

First, read about how auto insurance works and the changes you can make to keep rates down. Many rating factors that are responsible for high rates like careless driving and an imperfect credit history can be remedied by paying attention to minor details.

Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from a single company like GEICO and State Farm, while agents who are independent can provide prices for many different companies. Get quotes now

Third, compare the quotes to the premium of your current policy and see if you can save money. If you can save money and buy the policy, verify that coverage does not lapse between policies.

Fourth, give proper notification to your current agent or company to cancel your current coverage. Submit any necessary down payment along with the completed application to your new agent or company. Once the paperwork is finalized, place your new certificate of insurance with the vehicle registration.

One bit of advice is to compare the same level of coverage on every price quote and and to get quotes from as many carriers as you can. Doing this provides a fair price comparison and a better comparison of the market.

It's a known fact that car insurance companies don't want you quoting rates from other companies. Consumers who shop rates annually will, in all likelihood, switch to a new company because they have good chances of finding a lower-cost company. A study discovered that consumers who shopped around every year saved on average $70 a month compared to those who don't make a habit of comparing rates.

If saving the most money on Honda Civic insurance in Kansas City is why you're reading this, knowing how to get free comparison quotes and analyze insurance coverage can help simplify the process.

Compare Honda Civic insurance rates

When comparison shopping, there are several ways to compare rate quotes from all the different companies. The simplest method to find affordable Honda Civic insurance rates involves getting comparison quotes online. Keep in mind that having more price comparisons helps increase your odds of locating more affordable insurance. Not every company allows you to get online price quotes, so it's important to compare price estimates from them as well.

The companies in the list below offer price comparisons in Missouri. If multiple companies are listed, it's highly recommended you visit two to three different companies to get the best price comparison.

Cheaper Honda Civic insurance rates in Kansas City

Car insurance can cost a lot, but you might be missing out on some discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied when you quote, but a few need to be asked about prior to receiving the credit.Cheaper insurance with discounts

  • Driver's Education for Students - Have your child take driver's ed class as it will make them better drivers and lower rates.
  • Good Student Discount - Being a good student can save 20 to 25%. The discount lasts up to age 25.
  • Multi-policy Discount - When you have multiple policies with one company they may give you a discount of up to 20% off your total Civic insurance premium.
  • Accident Forgiveness - This one is not really a discount per se, but a handful of insurance companies allow you one accident before they charge you more for coverage if you have no claims prior to the accident.
  • Theft Deterrent - Cars equipped with anti-theft or alarm systems are stolen less frequently and will qualify for a discount on a Kansas City auto insurance quote.
  • Full Payment Discount - By paying your policy upfront rather than paying in monthly installments you could save up to 5%.
  • Club Memberships - Being in a civic or occupational organization in Kansas City is a simple method to lower premiums on your bill.
  • Life Insurance - Select insurance carriers reward you with a break if you buy a life insurance policy as well.
  • No Claims - Good drivers with no accidents get the best insurance rates as opposed to frequent claim filers.

One thing to note about discounts is that some of the credits will not apply to all coverage premiums. Some only apply to specific coverage prices like comprehensive or collision. Just because it seems like all those discounts means the company will pay you, it just doesn't work that way.

The chart below compares Honda Civic insurance prices with and without discounts applied to the policy rates. The rates are based on a male driver, no violations or accidents, Missouri state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, homeowner, marriage, multi-policy, and claim-free discounts applied.

Car insurance companies that may offer quotes with these money-saving discounts include:

When comparing rates, check with every prospective company which discounts you qualify for. A few discounts might not be offered on policies in Kansas City.

Rates and other information

The rate table below highlights a range of insurance coverage prices for Honda Civic models. Having a better understanding of how car insurance premiums are formulated can assist in making smart choices when comparing insurance quotes.

Honda Civic Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $164 $320 $274 $16 $82 $856 $71
Civic VP 4-Dr Sedan $164 $376 $274 $16 $82 $912 $76
Civic LX 4-Dr Sedan $164 $376 $274 $16 $82 $912 $76
Civic DX 2-Dr Coupe $164 $376 $342 $20 $102 $1,004 $84
Civic EX 4-Dr Sedan $164 $376 $274 $16 $82 $912 $76
Civic LX-S 4-Dr Sedan $164 $376 $274 $16 $82 $912 $76
Civic LX 2-Dr Coupe $164 $432 $342 $20 $102 $1,060 $88
Civic EX-L 4-Dr Sedan $188 $432 $274 $16 $82 $992 $83
Civic SI 4-Dr Sedan $188 $432 $274 $16 $82 $992 $83
Civic EX 2-Dr Coupe $188 $432 $342 $20 $102 $1,084 $90
Civic GX 4-Dr Sedan $188 $432 $274 $16 $82 $992 $83
Civic EX-L 2-Dr Coupe $188 $432 $342 $20 $102 $1,084 $90
Civic Hybrid 4-Dr Sedan $212 $376 $274 $16 $82 $960 $80
Civic SI 2-Dr Coupe $212 $490 $342 $20 $102 $1,166 $97
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Table data does not factor in Kansas City location which can modify coverage prices substantially.

The information below demonstrates how choosing different deductibles and can change Honda Civic insurance prices for each different age group. The costs are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Careless Kansas City drivers pay higher rates

The diagram below demonstrates how citations and at-fault claims can raise Honda Civic insurance prices for each age group. Data assumes a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

Insurance Price Influencing Factors

A large part of saving on insurance is knowing some of the factors that play a part in calculating your insurance rates. When consumers understand what controls the rates you pay, this empowers consumers to make smart changes that could result in lower rates. Multiple criteria are part of the equation when you get a price on insurance. Some are pretty understandable such as your driving history, but other criteria are more transparent such as your credit history or your vehicle rating.

The list below includes some of the things used by insurance companies to determine premiums.

Only buy extra policy coverages you need - Policies have additional coverages that you can buy if you aren't diligent. Coverages for rental car coverage, towing, and membership fees may be wasting your money. These coverages may sound good at first, but if you don't need them consider taking them off your policy.

Premiums are high for teenagers - Beginning drivers in Missouri tend to be careless and easily distracted when behind the wheel so insurance rates are higher. Parents adding a inexperienced driver onto your insurance will cause a huge premium hike. Older drivers are shown to be more cautious, tend to file fewer claims, and are generally more financially stable.

The chart below is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.

Insurance policy lapses increase rates - Driving without insurance coverage in place is illegal and you may have a hard time finding new coverage because you let your coverage lapse. In addition to paying higher rates, not being able to provide proof of insurance may result in a revoked license or a big fine.

Vehicle features that lower premiums - Choosing a vehicle with an alarm system can help lower your premiums. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder your car from being stolen.

How many coverages with the same company - Most larger insurance companies afford a discount to clients that buy multiple policies in the form of a multi-policy discount. Even if you qualify for this discount already, you may still want to compare other Kansas City Civic insurance rates to ensure the best deal.

Pay more for higher performance vehicles - The make and model of the car, truck or SUV you are insuring makes a huge difference in your premium level. The lowest base rates are generally reserved for economy passenger cars, but the cost you end up paying is determined by many additional factors.

The following data assumes a single male driver age 40, full coverage with $250 deductibles, and no discounts or violations. The chart compares Honda Civic policy rates compared to other models that have different performance risks.

Honda Civic claim data - Car insurance companies take into consideration insurance loss statistics for every vehicle to help set a rate to offset losses. Vehicles that the data determines to have higher loss trends will have a higher cost to insure. The next table shows the insurance loss data for Honda Civic vehicles.

For each policy coverage, the loss probability for all vehicles as a whole is equal to 100. Percentage numbers below 100 mean the vehicle has better than average losses, while values that are above 100 point to more claims or an increased likelihood of larger losses.

Honda Civic Insurance Claim Statistics
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Honda Civic 92 105 68 127 135 121
Honda Civic Hybrid 90 85 106 105 78
Honda Civic Si 126 97 117 124 104
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

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

Many people still prefer to talk to an insurance agent and we recommend doing that The best thing about price shopping on the web is that drivers can save money and get cheap car insurance rates and still have a local agent. Buying insurance from neighborhood agents is important particularly in Kansas City.

Find insurance agent in Kansas CityFor easy comparison, once you complete this simple form, your coverage information is transmitted to companies in Kansas City that provide free Kansas City auto insurance quotes for your insurance coverage. It's much easier because you don't need to leave your computer because prices are sent straight to your inbox. You can find the lowest rates without the usual hassles of price shopping. If you need to get a rate quote from a particular provider, you just need to navigate to their website and complete a quote there.

The following are Kansas City insurers who can help you get price quotes for Honda Civic insurance in Kansas City.

More Kansas City agents

Picking the best company is decision based upon more than just a low price. Here are some questions you should ask.

  • How often do they review coverages?
  • How much will you save each year by using a higher deductible?
  • Do they make recommendations based only on price?
  • How long have they worked with personal auto insurance coverage?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • How long has their agency been open in Kansas City?
  • Is the quote a firm price?
  • Are they in the agency full-time?

How do I know if I need professional advice?

When buying coverage online or from an agent for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.Auto insurance savings

For example, these questions might point out if your situation will benefit from professional help.

  • How much liability do I need to cover my assets?
  • What is the premium to book value ratio for dropping full coverage?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Should I bundle my homeowners policy with my auto?
  • Can I rent a car in Mexico?
  • What companies insure drivers after a DUI or DWI?

If you're not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Which car insurance company is best in Missouri?

Choosing a highly-rated auto insurance provider can be challenging considering how many choices there are in Missouri. The rank data shown next can help you decide which companies to look at comparing rates with.

Best Car Insurance Companies in Kansas City
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Mercury Insurance 87 95 87 84% A+ 88.3
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies

In the end, you can save money

You just read many ideas to save on Honda Civic insurance in Kansas City. It's most important to understand that the more times you quote, the better likelihood of getting affordable Honda Civic insurance quotes. Drivers may even discover the lowest priced auto insurance comes from some of the lesser-known companies.

Drivers leave their current company for a number of reasons such as not issuing a premium refund, delays in paying claims, delays in responding to claim requests or questionable increases in premium. Regardless of your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

There are still a few companies who don't offer online quoting and usually these smaller providers sell through independent agents. The cheapest Honda Civic insurance in Kansas City can be bought on the web and also from your neighborhood Kansas City agents, and you need to price shop both to have the best selection.

More information can be read at the links below