Cheapest Insurance for a Honda Civic in Newark

Insurance quote for Honda Civic in NewarkIf saving the most money is your goal, then the best way to get discount car insurance rates in Newark is to start comparing rates regularly from providers in New Jersey.

  1. Try to learn a little about what is in your policy and the measures you can control to keep rates in check. Many risk factors that cause high rates like at-fault accidents and your credit history can be controlled by making lifestyle changes or driving safer.
  2. Obtain price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or Farmers Insurance, while independent agencies can provide prices from multiple companies. View a list of agents
  3. Compare the new rates to your existing coverage and determine if there is any savings. If you find better rates, make sure there is no coverage gap between policies.
  4. Give notification to your current company to cancel your current car insurance policy. Submit a down payment along with a signed application for the new policy. Don’t forget to store the proof of insurance certificate above your visor, in the console, or in the glove compartment.

One tip to remember is to compare the same coverage limits and deductibles on every quote and and to look at as many companies as feasibly possible. Doing this guarantees a level playing field and a complete selection of prices.

It’s an obvious statement that insurance companies don’t want you to look for cheaper rates. Drivers who compare price quotes are inclined to buy a different policy because there is a good probability of finding a more affordable policy premium. A recent insurance study revealed that drivers who routinely compared quotes saved about $72 a month compared to people who never compared prices.

If finding the lowest price for auto insurance in Newark is the reason you’re here, then having some insight into the best way to quote and compare auto insurance can help make the process easier.

Car insurance quotes and discounts

Car insurance can be pricey, but discounts can save money and there are some available that can drop the cost substantially. Certain credits will be shown at the time you complete a quote, but lesser-known reductions have to be inquired about prior to getting the savings.Cheaper car insurance with discounts

As is typical with insurance, most credits do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. Even though it appears adding up those discounts means a free policy, companies don’t profit that way. But all discounts should help lower the amount you pay for coverage.

The illustration below illustrates the difference between Honda Civic car insurance costs with and without discounts applied to the policy premium. Data assumes a female driver, no accidents or driving violations, New Jersey state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, safe-driver, multi-car, marriage, and multi-policy discounts applied.

To locate companies with significant discounts in Newark, click here to view.

How to shop Honda Civic insurance online

The majority of larger companies provide coverage price quotes online. Getting Honda Civic insurance prices online is quite simple as you simply enter the coverages you want as requested by the quote form. Once you submit the form, their rating system automatically orders information on your driving record and credit history and returns pricing information determined by many factors.

Getting online price quotes for Honda Civic insurance in Newark makes it simple to compare prices and it is imperative to compare as many rates as possible in order to get the best rate possible.

If you want to find out if lower rates are available, compare quotes from the companies shown below. If you have your current policy handy, we recommend you type in coverages and limits as shown on your current policy. This way, you will receive rate quotes based on similar coverages.

The companies shown below offer comparison quotes in Newark, NJ. If you want the cheapest auto insurance in Newark, we recommend you click on several of them to get the best price comparison.

Honda Civic insurance rates and statistics

The rate table shown below outlines estimates of insurance policy prices for Honda Civic models. Having a good grasp of how rate quotes are established can be useful when making smart policy decisions.

Honda Civic Insurance Rates in Newark, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $226 $494 $504 $30 $152 $1,406 $117
Civic VP 4-Dr Sedan $226 $582 $504 $30 $152 $1,494 $125
Civic LX 4-Dr Sedan $226 $582 $504 $30 $152 $1,494 $125
Civic DX 2-Dr Coupe $226 $582 $630 $38 $188 $1,664 $139
Civic EX 4-Dr Sedan $226 $582 $504 $30 $152 $1,494 $125
Civic LX-S 4-Dr Sedan $226 $582 $504 $30 $152 $1,494 $125
Civic LX 2-Dr Coupe $226 $670 $630 $38 $188 $1,752 $146
Civic EX-L 4-Dr Sedan $260 $670 $504 $30 $152 $1,616 $135
Civic SI 4-Dr Sedan $260 $670 $504 $30 $152 $1,616 $135
Civic EX 2-Dr Coupe $260 $670 $630 $38 $188 $1,786 $149
Civic GX 4-Dr Sedan $260 $670 $504 $30 $152 $1,616 $135
Civic EX-L 2-Dr Coupe $260 $670 $630 $38 $188 $1,786 $149
Civic Hybrid 4-Dr Sedan $294 $582 $504 $30 $152 $1,562 $130
Civic SI 2-Dr Coupe $294 $760 $630 $38 $188 $1,910 $159
Get Your Own Custom Quote Go

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rate quotes do not factor in specific garaging location which can raise or lower coverage prices considerably.

Rate comparison for different deductibles

A question often asked by Newark drivers is at what level do you set your deductibles. The rates below can help you understand the price difference when you select higher and lower insurance deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second rate table uses a $500 deductible.

Honda Civic insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $360 $746 $480 $28 $144 $1,783 $149
Civic VP 4-Dr Sedan $360 $880 $480 $28 $144 $1,917 $160
Civic LX 4-Dr Sedan $360 $880 $480 $28 $144 $1,917 $160
Civic DX 2-Dr Coupe $360 $880 $600 $36 $180 $2,081 $173
Civic EX 4-Dr Sedan $360 $880 $480 $28 $144 $1,917 $160
Civic LX-S 4-Dr Sedan $360 $880 $480 $28 $144 $1,917 $160
Civic LX 2-Dr Coupe $360 $1014 $600 $36 $180 $2,215 $185
Civic EX-L 4-Dr Sedan $414 $1014 $480 $28 $144 $2,105 $175
Civic SI 4-Dr Sedan $414 $1014 $480 $28 $144 $2,105 $175
Civic EX 2-Dr Coupe $414 $1014 $600 $36 $180 $2,269 $189
Civic GX 4-Dr Sedan $414 $1014 $480 $28 $144 $2,105 $175
Civic EX-L 2-Dr Coupe $414 $1014 $600 $36 $180 $2,269 $189
Civic Hybrid 4-Dr Sedan $466 $880 $480 $28 $144 $2,023 $169
Civic SI 2-Dr Coupe $466 $1146 $600 $36 $180 $2,453 $204
Get Your Own Custom Quote Go

Honda Civic insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $264 $504 $480 $28 $144 $1,420 $118
Civic VP 4-Dr Sedan $264 $594 $480 $28 $144 $1,510 $126
Civic LX 4-Dr Sedan $264 $594 $480 $28 $144 $1,510 $126
Civic DX 2-Dr Coupe $264 $594 $600 $36 $180 $1,674 $140
Civic EX 4-Dr Sedan $264 $594 $480 $28 $144 $1,510 $126
Civic LX-S 4-Dr Sedan $264 $594 $480 $28 $144 $1,510 $126
Civic LX 2-Dr Coupe $264 $684 $600 $36 $180 $1,764 $147
Civic EX-L 4-Dr Sedan $302 $684 $480 $28 $144 $1,638 $137
Civic SI 4-Dr Sedan $302 $684 $480 $28 $144 $1,638 $137
Civic EX 2-Dr Coupe $302 $684 $600 $36 $180 $1,802 $150
Civic GX 4-Dr Sedan $302 $684 $480 $28 $144 $1,638 $137
Civic EX-L 2-Dr Coupe $302 $684 $600 $36 $180 $1,802 $150
Civic Hybrid 4-Dr Sedan $340 $594 $480 $28 $144 $1,586 $132
Civic SI 2-Dr Coupe $340 $774 $600 $36 $180 $1,930 $161
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate information does not factor in specific Newark garaging location which can influence price quotes significantly.

Based on the figures above, using a $100 deductible will cost you approximately $36 more each month or $432 a year than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to have more than 11 months between claims, you would most likely save money going with the higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $100 deductibles: $173
Average monthly premium for $500 deductibles (subtract): – $137
Monthly savings from raising deductible: $36
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 11 months

The information below demonstrates how choosing different deductibles and can impact Honda Civic premium costs for each age group. The premium estimates are based on a single male driver, comp and collision included, and no additional discounts are factored in.

Male drivers compared to female drivers in Newark

The information below shows the comparison of Honda Civic insurance costs for male and female drivers. The rates are based on no accidents, no driving violations, comprehensive and collision coverage, $500 deductibles, single marital status, and no other discounts are factored in.

Price comparison of only insuring for liability

The example below illustrates the comparison of Honda Civic insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no accidents or driving violations, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.

When to stop buying comprehensive and collision coverage

There is no specific rule to stop buying full coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

For example, let’s assume your Honda Civic book value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $3,000 after paying the physical damage deductible. If it’s costing you more than $300 annually to have full coverage, then it might be time to buy liability only.

There are some circumstances where eliminating full coverage is not in your best interest. If you still have a lienholder on your title, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Insurance agent or online?

Many people prefer to talk to an insurance agent and that is just fine! Good agents can make sure you are properly covered and help in the event of a claim. A nice benefit of comparing auto insurance online is that you can obtain the best rates but still work with a licensed agent. Putting coverage with neighborhood agents is especially important in Newark.

To find an agent, once you fill out this short form, the coverage information is submitted to agents in your area that provide free Newark car insurance quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to find an agent on your own due to the fact that quote results will go to you instantly. If for some reason you want to get a price quote from a specific auto insurance provider, you would need to go to their quote page and fill out their quote form.

The following is a list of insurance companies in Newark willing to provide rate quotes for Honda Civic insurance in Newark.

View more agents

Choosing the best provider needs to be determined by more than just a cheap quote. Any good agent in Newark should know the answers to these questions.

After receiving positive responses to your questions and locked in a price quote, you have narrowed it down to an provider that will insure your vehicles.

Auto insurance coverages explained

Learning about specific coverages of your policy can be of help when determining the right coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Liability – This coverage will cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 15/30/5 which stand for $15,000 in coverage for each person’s injuries, $30,000 for the entire accident, and a total limit of $5,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things like loss of income, medical expenses, pain and suffering, court costs and attorney fees. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible. New Jersey state law requires minimum liability limits of 15/30/5 but it’s recommended drivers buy higher limits.

The illustration below demonstrates why buying the state minimum limits may not be enough.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Civic.

Since a lot of drivers have only the minimum liability required by law (15/30/5), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are set the same as your liability limits.

Comprehensive coverage – This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, hail damage, damage from a tornado or hurricane, damage from getting keyed and a broken windshield. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a mailbox, sustaining damage from a pot hole, damaging your car on a curb, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also increase the deductible on your Civic to bring the cost down.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for bills like ambulance fees, pain medications, prosthetic devices, X-ray expenses and EMT expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

The best insurance company isn’t always the cheapest

Drivers switch companies for any number of reasons including delays in responding to claim requests, not issuing a premium refund, being labeled a high risk driver and policy cancellation. Regardless of your reason for switching companies, finding the right insurance provider can be pretty painless.

We’ve covered many ways to shop for Honda Civic insurance online. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers may even find the best prices are with a lesser-known regional company.

When you buy Newark car insurance online, it’s not a good idea to buy poor coverage just to save money. There are too many instances where someone sacrificed uninsured motorist or liability limits only to find out that it was a big error on their part. Your aim should be to buy enough coverage at the best price, not the least amount of coverage.

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