Car owners new to comparison shopping online will find buying cheaper Civic insurance can be quite challenging.
A recent auto insurance study revealed that the vast majority of Pennsylvania auto insurance customers have bought auto insurance from the same company for well over three years, and roughly 40% of drivers have never even compared quotes to find affordable rates. Consumers in the U.S. could save themselves as much as 47% a year by just shopping around, but they just feel it’s too hard to find affordable rates by getting comparison quotes.
It’s a good idea to shop coverage around periodically since insurance rates trend upward over time. Just because you had the lowest premium rates on Honda Civic insurance in Philadelphia a couple years back the chances are good that you can find a lower price today. Block out anything you think you know about auto insurance because I’m going to teach you how to use online quotes to save on auto insurance.
Keep in mind that obtaining a wide range of quotes helps improve the odds of finding a lower rate.
The auto insurance companies shown below are ready to provide price quotes in Pennsylvania. If multiple companies are listed, we recommend you visit several of them to get the lowest price.
Here’s why insurance is not optional
Despite the fact that insurance is not cheap in Philadelphia, maintaining insurance is required by state law in Pennsylvania and it also provides benefits you may not be aware of.
First, just about all states have minimum mandated liability insurance limits which means you are required to carry a minimum amount of liability in order to license the vehicle. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a loan on your Civic, most banks will require that you buy insurance to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Honda at a much higher premium rate and make you pay for the much more expensive policy.
Third, insurance protects both your Honda Civic and your assets. Insurance will also pay for medical bills for yourself as well as anyone injured by you. Liability insurance will also pay for a defense attorney if anyone sues you for causing an accident. If your Honda gets damaged, your insurance policy will cover the repair costs.
The benefits of insuring your Civic definitely exceed the cost, particularly when you have a large claim. Unknowingly, the average driver overpays more than $865 each year so compare quotes from several companies at every renewal to save money.
Data for Honda Civic insurance
The rate information displayed below outlines different rate quotes for Honda Civic models. Being more informed about how car insurance premiums are figured can help drivers make informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $282 | $512 | $432 | $26 | $130 | $1,382 | $115 |
| Civic VP 4-Dr Sedan | $282 | $602 | $432 | $26 | $130 | $1,472 | $123 |
| Civic LX 4-Dr Sedan | $282 | $602 | $432 | $26 | $130 | $1,472 | $123 |
| Civic DX 2-Dr Coupe | $282 | $602 | $540 | $32 | $162 | $1,618 | $135 |
| Civic EX 4-Dr Sedan | $282 | $602 | $432 | $26 | $130 | $1,472 | $123 |
| Civic LX-S 4-Dr Sedan | $282 | $602 | $432 | $26 | $130 | $1,472 | $123 |
| Civic LX 2-Dr Coupe | $282 | $694 | $540 | $32 | $162 | $1,710 | $143 |
| Civic EX-L 4-Dr Sedan | $322 | $694 | $432 | $26 | $130 | $1,604 | $134 |
| Civic SI 4-Dr Sedan | $322 | $694 | $432 | $26 | $130 | $1,604 | $134 |
| Civic EX 2-Dr Coupe | $322 | $694 | $540 | $32 | $162 | $1,750 | $146 |
| Civic GX 4-Dr Sedan | $322 | $694 | $432 | $26 | $130 | $1,604 | $134 |
| Civic EX-L 2-Dr Coupe | $322 | $694 | $540 | $32 | $162 | $1,750 | $146 |
| Civic Hybrid 4-Dr Sedan | $364 | $602 | $432 | $26 | $130 | $1,554 | $130 |
| Civic SI 2-Dr Coupe | $364 | $786 | $540 | $32 | $162 | $1,884 | $157 |
| Get Your Own Customized Quote Go | |||||||
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Price information does not factor in garaging location in Philadelphia which can increase or decrease auto insurance rates considerably.
Where to set your deductibles
One of the most common auto insurance questions is where to set your physical damage deductibles. The comparison tables below summarize the difference in cost of buying low and high insurance deductibles. The first pricing table uses a $100 deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $246 | $512 | $330 | $20 | $98 | $1,231 | $103 |
| Civic VP 4-Dr Sedan | $246 | $602 | $330 | $20 | $98 | $1,321 | $110 |
| Civic LX 4-Dr Sedan | $246 | $602 | $330 | $20 | $98 | $1,321 | $110 |
| Civic DX 2-Dr Coupe | $246 | $602 | $412 | $24 | $124 | $1,433 | $119 |
| Civic EX 4-Dr Sedan | $246 | $602 | $330 | $20 | $98 | $1,321 | $110 |
| Civic LX-S 4-Dr Sedan | $246 | $602 | $330 | $20 | $98 | $1,321 | $110 |
| Civic LX 2-Dr Coupe | $246 | $694 | $412 | $24 | $124 | $1,525 | $127 |
| Civic EX-L 4-Dr Sedan | $284 | $694 | $330 | $20 | $98 | $1,451 | $121 |
| Civic SI 4-Dr Sedan | $284 | $694 | $330 | $20 | $98 | $1,451 | $121 |
| Civic EX 2-Dr Coupe | $284 | $694 | $412 | $24 | $124 | $1,563 | $130 |
| Civic GX 4-Dr Sedan | $284 | $694 | $330 | $20 | $98 | $1,451 | $121 |
| Civic EX-L 2-Dr Coupe | $284 | $694 | $412 | $24 | $124 | $1,563 | $130 |
| Civic Hybrid 4-Dr Sedan | $320 | $602 | $330 | $20 | $98 | $1,395 | $116 |
| Civic SI 2-Dr Coupe | $320 | $786 | $412 | $24 | $124 | $1,691 | $141 |
| Get Your Own Customized Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $136 | $270 | $330 | $20 | $98 | $854 | $71 |
| Civic VP 4-Dr Sedan | $136 | $318 | $330 | $20 | $98 | $902 | $75 |
| Civic LX 4-Dr Sedan | $136 | $318 | $330 | $20 | $98 | $902 | $75 |
| Civic DX 2-Dr Coupe | $136 | $318 | $412 | $24 | $124 | $1,014 | $85 |
| Civic EX 4-Dr Sedan | $136 | $318 | $330 | $20 | $98 | $902 | $75 |
| Civic LX-S 4-Dr Sedan | $136 | $318 | $330 | $20 | $98 | $902 | $75 |
| Civic LX 2-Dr Coupe | $136 | $366 | $412 | $24 | $124 | $1,062 | $89 |
| Civic EX-L 4-Dr Sedan | $158 | $366 | $330 | $20 | $98 | $972 | $81 |
| Civic SI 4-Dr Sedan | $158 | $366 | $330 | $20 | $98 | $972 | $81 |
| Civic EX 2-Dr Coupe | $158 | $366 | $412 | $24 | $124 | $1,084 | $90 |
| Civic GX 4-Dr Sedan | $158 | $366 | $330 | $20 | $98 | $972 | $81 |
| Civic EX-L 2-Dr Coupe | $158 | $366 | $412 | $24 | $124 | $1,084 | $90 |
| Civic Hybrid 4-Dr Sedan | $178 | $318 | $330 | $20 | $98 | $944 | $79 |
| Civic SI 2-Dr Coupe | $178 | $414 | $412 | $24 | $124 | $1,152 | $96 |
| Get Your Own Customized Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Estimates do not factor in vehicle garaging location which can impact price quotes considerably.
Using the premium rates above, we can conclude that using a $100 deductible costs an average of $37 more each month or $444 each year than requesting the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you average at least 24 months between claims, you would most likely save money if you choose a higher deductible.
Save money by taking advantage of discounts
Insurance is neither fun to buy or cheap, but you may qualify for discounts to help offset the cost. A few discounts will be applied at quote time, but occasionally some discounts must be inquired about before they will apply.
- Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off depending on your insurance provider.
- Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and can earn a small discount on your policy.
- Paper-free Discount – A few larger online companies will give you a small discount shop Philadelphia car insurance online.
- ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control can reduce accidents so you can save 10 percent or more.
- Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy auto and life insurance together.
- Philadelphia Homeowners Discount – Being a homeowner may trigger a policy discount on insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
Discounts lower rates, but most credits do not apply to the entire policy premium. A few only apply to specific coverage prices like liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, it’s just not the way it works. But all discounts should definitely cut your overall bill.
The illustration below shows the comparison of Honda Civic yearly insurance costs with and without discounts. The data assumes a female driver, no claims or driving citations, Pennsylvania state minimum liability limits, full physical damage 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, marriage, safe-driver, multi-policy, and homeowner discounts applied.
To view insurance companies with discount insurance rates in Pennsylvania, click this link.
Local Philadelphia insurance agents and car insurance
Many people just want to have an agent’s advice and that is recommended in a lot of cases One of the best bonuses of price shopping on the web is the fact that drivers can get cheap car insurance rates and still choose a local agent. Buying from local insurance agencies is still important in Philadelphia.
By using this simple form, your insurance coverage information is submitted to local insurance agents in Philadelphia who can give free rate quotes and help you find cheaper coverage. You won’t need to drive around since rate quotes are delivered to you. You’ll get the best rates without a big time investment. In the event you want to get a price quote from one company in particular, you just need to find their quoting web page and complete a quote there.
If you prefer to buy car insurance from an insurance agent, it helps to know the two types of insurance agents that you can select. Agents can either be exclusive or independent agents depending on their company appointments.
Independent Car Insurance Agents
Agents that elect to be independent are normally appointed by many insurers and that allows them to write policies amongst many companies and find the cheapest car insurance rates. If your agent finds better pricing, they simply move the coverage in-house and you stay with the same agent.
When comparing car insurance rates, you need to include a couple of independent agencies to get the best comparison. They also have the ability to place coverage with small mutual carriers which can save you money.
The following are independent agencies in Philadelphia who can help you get comparison quotes.
- Savage Insurance Agency LLC
300 W Cheltenham Ave – Philadelphia, PA 19126 – (215) 224-4890 – View Map - The Perzel Agency, Inc.
7338 Frankford Ave – Philadelphia, PA 19136 – (215) 335-6878 – View Map - Crossing Insurance Group
4252 Richmond St – Philadelphia, PA 19137 – (215) 321-4990 – View Map
Exclusive Insurance Agencies
These agents generally can only insure with one company and examples are Farmers Insurance, State Farm, or Allstate. They are unable to shop your coverage around so if the price isn’t competitive there isn’t much they can do. These agents are very knowledgeable in insurance sales which aids in selling service over price. Some insured continue to buy from exclusive agents primarily because of the prominence of the brand and the convenience of having a single billing for all their coverages.
Listed below is a list of exclusive insurance agents in Philadelphia that can give you rate quotes.
- Steven Breinlinger – State Farm Insurance Agent
7904 Germantown Ave – Philadelphia, PA 19118 – (267) 323-2923 – View Map - State Farm: Brian Cover
7005 Bustleton Ave – Philadelphia, PA 19149 – (215) 332-9000 – View Map - Pamela R Wilkins – State Farm Insurance Agent
8912 Frankford Ave – Philadelphia, PA 19136 – (215) 331-4500 – View Map
Finding a good insurance agency shouldn’t rely on just a cheap quote. These are valid questions to ask:
- What insurance company do they write the most business with?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- When do they do a full risk review?
- Are they properly licensed to sell insurance in Pennsylvania?
- How would your car be valued if totaled?
- Is auto insurance their primary focus in Philadelphia?
If you feel you receive good responses as well as a affordable price, you may have found an insurance agent that is reputable and can provide car insurance coverage.
What insurance coverages do I need?
When quoting and comparing adequate coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.
Here are some questions about coverages that might point out if your situation could use an agent’s help.
- Do I pay less if my vehicle is kept in my garage?
- Am I covered when driving on a suspended license?
- What policy terms are available?
- Does coverage extend to a rental car in a foreign country?
- Should I waive the damage coverage when renting a car?
- How much cheaper are high deductibles?
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. If you don’t have a local agent, take a second and complete this form.
One last thing about your coverage
As you go through the steps to switch your coverage, you should never reduce coverage to reduce premium. There have been many cases where an accident victim reduced full coverage only to regret that it was a big error on their part. Your strategy should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.
Insureds who switch companies do it for a variety of reasons including unfair underwriting practices, high rates after DUI convictions, poor customer service or delays in paying claims. Whatever your reason, choosing a new company can be pretty painless.
Cheaper Honda Civic insurance in Philadelphia is definitely available on the web in addition to many Philadelphia insurance agents, and you should compare price quotes from both to have the best selection. There are still a few companies who don’t offer online rate quotes and usually these smaller providers only sell through local independent agents.
To read more, feel free to visit the articles below:
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Who Has Cheap Philadelphia Car Insurance with Multiple Speeding Tickets? (FAQ)
- How Much are Philadelphia Car Insurance Rates for a Ford Escape? (FAQ)
- Who Has the Cheapest Auto Insurance for Real Estate Agents in Philadelphia? (FAQ)
- What Auto Insurance is Cheapest for a Jeep Grand Cherokee in Philadelphia? (FAQ)
- What is Full Coverage? (Allstate)
- Rental Car Insurance Tips (Insurance Information Institute)
- Booster Seat Ratings (iihs.org)