Insurance for Honda CivicDo you need a better way to compare low-cost Honda Civic insurance in Columbia? No one in their right mind fancies paying their premiums for insurance, in particular when they could find better prices if they shop around.

Amazingly, a recent study showed that nearly 70% of drivers have purchased from the same company for more than four years, and virtually 40% of consumers have never quoted insurance rates at all. Columbia drivers could save nearly $750 a year by just comparing rate quotes, but they just assume it's a time-consuming process to compare rates online.

Many car insurance companies compete for your business, and it can be difficult to compare rates to discover the definitive lowest price on Honda Civic insurance in Columbia.

If you already have coverage, you will be able to shop for the lowest rates using the techniques presented in this article. Buying the cheapest insurance in Columbia can really be easy if you know what you're doing. But South Carolina vehicle owners benefit from understanding how companies determine premium rates and use it to your advantage.

Car insurance providers offering affordable rate quotes in South Carolina

The car insurance companies shown below are our best choices to provide price comparisons in South Carolina. If multiple providers are shown, it's a good idea that you visit several of them in order to find the cheapest rates.

Honda Civic Insurance Rate Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $256 $530 $342 $20 $102 $1,250 $104
Civic VP 4-Dr Sedan $198 $518 $320 $18 $96 $1,150 $96
Civic LX 4-Dr Sedan $130 $302 $352 $20 $106 $910 $76
Civic DX 2-Dr Coupe $248 $612 $436 $26 $130 $1,452 $121
Civic EX 4-Dr Sedan $136 $372 $444 $26 $132 $1,110 $93
Civic LX-S 4-Dr Sedan $220 $612 $386 $22 $116 $1,356 $113
Civic LX 2-Dr Coupe $180 $512 $410 $24 $122 $1,248 $104
Civic EX-L 4-Dr Sedan $126 $314 $320 $18 $96 $874 $73
Civic SI 4-Dr Sedan $258 $694 $412 $24 $124 $1,512 $126
Civic EX 2-Dr Coupe $252 $740 $482 $28 $144 $1,646 $137
Civic GX 4-Dr Sedan $140 $390 $386 $22 $116 $1,054 $88
Civic EX-L 2-Dr Coupe $128 $322 $410 $24 $122 $1,006 $84
Civic Hybrid 4-Dr Sedan $332 $624 $342 $20 $102 $1,420 $118
Civic SI 2-Dr Coupe $232 $580 $410 $24 $122 $1,368 $114
Get Your Own Custom Quote Go

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate information does not factor in specific Columbia garaging location which can decrease or increase auto insurance rates considerably.

Male drivers compared to female drivers

The information below illustrates the comparison of Honda Civic auto insurance costs for male and female drivers. Data assumes no tickets, no at-fault accidents, comp and collision included, $1,000 deductibles, single marital status, and no policy discounts are applied.

Score discounts on Columbia insurance

Some providers do not list all available discounts very clearly, so here is a list some of the best known in addition to some of the lesser obvious credits available to bring down your rates.Cheaper insurance with discounts

Policy discounts save money, but some credits don't apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you can get free auto insurance, companies don't profit that way. Any amount of discount should definitely cut your policy premium.

A list of companies and a selection of discounts are included below.

Before buying, ask each company how you can save money. Savings may not be offered in Columbia. To choose insurance companies that offer discounts in South Carolina, follow this link.

Components of Your Honda Civic Insurance Prices

When buying car insurance it's important to understand a few of the rating criteria that help determine your premiums. If you have a feel for what determines premiums, this empowers consumers to make smart changes that could help you find much lower annual insurance costs.

The list below includes a few of the "ingredients" used by companies to determine your premiums.

Compare prices but buy from a local neighborhood Columbia car insurance agent

A small number of people would prefer to have an agent's advice. A good thing about getting free rate quotes online is that you can obtain lower prices and still have a local agent.

Find insurance agent in ColumbiaTo help locate an agent, after submitting this form (opens in new window), your insurance coverage information is instantly submitted to local insurance agents in Columbia that can give you free Columbia car insurance quotes and help you find cheaper coverage. You won't even need to leave your computer since price quotes are sent immediately to your email address. You can get cheaper insurance rates and a licensed agent to work with. If you have a need to compare rates from a particular provider, feel free to visit that company's website and fill out their quote form.

Choosing an insurance company is decision based upon more than just a cheap price. The following questions are important to ask.

Types of auto insurance agents in Columbia

If you are wanting to find local Columbia agents, it helps to know the two types of insurance agents to choose from. Insurance policy providers are either exclusive or independent.

Exclusive Insurance Agents

Exclusive agents are contracted to one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot shop your coverage around so they are skilled at selling on more than just price. Exclusive insurance agents are very knowledgeable on their company's products which helps them sell on service rather than price.

Shown below are Columbia exclusive insurance agencies who may provide you with comparison quotes.

10014 Two Notch Rd d - Columbia, SC 29223 - (803) 865-0047 - View Map

2321 Main St - Columbia, SC 29201 - (803) 254-7322 - View Map

612 St Andrews Rd #4 - Columbia, SC 29210 - (803) 772-5554 - View Map

More Columbia agents

Independent Insurance Agents

Agents that choose to be independent are not restricted to one company and that allows them to write policies amongst many companies and get you the best rates possible. If premiums increase, your agent can switch companies and the insured can keep the same agent. If you need lower rates, we recommend you compare quotes from a couple of independent agencies to have the best price comparison.

Shown below are independent insurance agents in Columbia willing to provide comparison quotes.

607 Meeting St - West Columbia, SC 29169 - (803) 387-0712 - View Map

2442 Devine St - Columbia, SC 29205 - (803) 728-3318 - View Map

6168 St Andrews Rd - Columbia, SC 29212 - (803) 798-4499 - View Map

More Columbia agents

If you receive positive feedback to all your questions as well as cheap Civic insurance quotes, you may have just found an insurance agency that can be relied on to adequately provide insurance.

But they said I'd save $392 a year!

Insurance providers like State Farm, GEICO and Progressive endlessly run ads in print and on television. They all seem to make the point that people will save just by switching to their company. It sounds good, but how can they all make the same claim? It's all in the numbers.

Insurance companies can use profiling for the right customer they prefer to insure. For example, this type of driver may be between the ages of 30 and 50, owns a home, and has a short commute. A customer getting a price quote that fits those parameters receives the best car insurance rates in Columbia and as a result will probably save quite a bit of money when switching.

Potential insureds who fall outside this stringent profile may be required to pay higher prices with the end result being business not being written. If you listen to the ad wording, they say "customers that switch" not "all people who quote" save the amount stated. This is how insurance companies can advertise the way they do. Because of these techniques, you need to compare quotes as often as possible. It is impossible to guess the company that will have the best car insurance rates for your profile.

Affordable auto insurance premiums are possible

You just learned many tips how you can get a better price on Honda Civic insurance in Columbia. The key concept to understand is the more you quote Columbia car insurance, the more likely it is that you will get a better rate. You may even find the lowest rates are with a small mutual company. Some small companies often have lower car insurance rates on specific markets compared to the large companies like Progressive or GEICO.

Budget-friendly auto insurance in Columbia is attainable on the web and from local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers don't offer rates over the internet and most of the time these small insurance companies only sell coverage through independent agents.

When getting Columbia car insurance quotes online, it's a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice full coverage to discover at claim time that the savings was not a smart move. The aim is to purchase a proper amount of coverage at the best price, but do not sacrifice coverage to save money.

More tips and info about auto insurance is available by following these links: