It’s hard to fathom, but the vast majority of car insurance customers have remained with the same car insurance company for well over three years, and nearly 40% of drivers have never compared quotes from other companies. Colorado Springs insurance shoppers could save almost 35% a year just by comparing rates, but they just don’t want to do a rate comparison.
If saving the most money is your goal, then the best way to get discount auto insurance rates is to start doing an annual price comparison from insurers who provide auto insurance in Colorado Springs.
- First, try to understand what coverages are included in your policy and the factors you can control to prevent expensive coverage. Many rating factors that result in higher prices like accidents, careless driving, and an unfavorable credit rating can be amended by making small lifestyle or driving habit changes. Later in this article we will cover more ideas to help prevent costly coverage and find possible discounts that are available.
- Second, quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from one company like GEICO or Allstate, while independent agencies can give you price quotes for many different companies.
- Third, compare the price quotes to your current policy to see if cheaper Civic coverage is available. If you can save money and change companies, make sure there is no coverage gap between policies.
- Fourth, provide proper notification to your current company to cancel your current auto insurance policy and submit a completed application and payment to your new insurance company. Don’t forget to put the certificate verifying coverage with your vehicle’s registration.
One thing to remember is that you’ll want to make sure you compare similar deductibles and liability limits on each quote and and to compare every insurance company. This provides a level playing field and the best price selection.
If you have coverage now, you will be able to save money using these techniques. Finding the cheapest auto insurance coverage in Colorado Springs is much easier if you have a good place to start. Nevertheless, Colorado car owners can benefit from knowing how the larger insurance companies determine prices and take advantage of how the system works.
All major car insurance companies like Allstate and Progressive give prices for coverage on the web. Doing online quotes for Honda Civic insurance in Colorado Springs is easy for anyone because it’s just a matter of typing in the coverage amounts you desire into the form. When complete, the quote system gets reports for credit and driving violations and returns a price quote. Using the web to get price quotes for Honda Civic insurance in Colorado Springs helps simplify price comparisons, and it’s also necessary to have as many quotes as possible if you want to find a better rate.
To save time and find out what other companies charge, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it’s recommended you duplicate deductibles and limits identical to your current policy. This makes sure you’re receiving a fair comparison for exact coverage.
The following companies are ready to provide quotes in Colorado Springs, CO. If multiple companies are listed, it’s a good idea that you get price quotes from several of them in order to get a fair rate comparison.
Honda Civic insurance coverage information
The rate table below showcases detailed analysis of policy rates for Honda Civic models. Having insight into how auto insurance premiums are determined can help drivers make smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $226 | $536 | $368 | $22 | $110 | $1,262 | $105 |
| Civic VP 4-Dr Sedan | $226 | $630 | $368 | $22 | $110 | $1,356 | $113 |
| Civic LX 4-Dr Sedan | $226 | $630 | $368 | $22 | $110 | $1,356 | $113 |
| Civic DX 2-Dr Coupe | $226 | $630 | $462 | $28 | $138 | $1,484 | $124 |
| Civic EX 4-Dr Sedan | $226 | $630 | $368 | $22 | $110 | $1,356 | $113 |
| Civic LX-S 4-Dr Sedan | $226 | $630 | $368 | $22 | $110 | $1,356 | $113 |
| Civic LX 2-Dr Coupe | $226 | $726 | $462 | $28 | $138 | $1,580 | $132 |
| Civic EX-L 4-Dr Sedan | $260 | $726 | $368 | $22 | $110 | $1,486 | $124 |
| Civic SI 4-Dr Sedan | $260 | $726 | $368 | $22 | $110 | $1,486 | $124 |
| Civic EX 2-Dr Coupe | $260 | $726 | $462 | $28 | $138 | $1,614 | $135 |
| Civic GX 4-Dr Sedan | $260 | $726 | $368 | $22 | $110 | $1,486 | $124 |
| Civic EX-L 2-Dr Coupe | $260 | $726 | $462 | $28 | $138 | $1,614 | $135 |
| Civic Hybrid 4-Dr Sedan | $294 | $630 | $368 | $22 | $110 | $1,424 | $119 |
| Civic SI 2-Dr Coupe | $294 | $822 | $462 | $28 | $138 | $1,744 | $145 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in specific zip code location which can increase or decrease insurance rates greatly.
Analysis of deductible levels
When shopping for auto insurance, a common question is how high or low should comp and collision deductibles be. The comparisons below determine the differences in price between low and high coverage deductibles. The first set of rates uses a $250 deductible for comp and collision and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $236 | $458 | $352 | $20 | $106 | $1,197 | $100 |
| Civic VP 4-Dr Sedan | $236 | $538 | $352 | $20 | $106 | $1,277 | $106 |
| Civic LX 4-Dr Sedan | $236 | $538 | $352 | $20 | $106 | $1,277 | $106 |
| Civic DX 2-Dr Coupe | $236 | $538 | $440 | $26 | $132 | $1,397 | $116 |
| Civic EX 4-Dr Sedan | $236 | $538 | $352 | $20 | $106 | $1,277 | $106 |
| Civic LX-S 4-Dr Sedan | $236 | $538 | $352 | $20 | $106 | $1,277 | $106 |
| Civic LX 2-Dr Coupe | $236 | $620 | $440 | $26 | $132 | $1,479 | $123 |
| Civic EX-L 4-Dr Sedan | $272 | $620 | $352 | $20 | $106 | $1,395 | $116 |
| Civic SI 4-Dr Sedan | $272 | $620 | $352 | $20 | $106 | $1,395 | $116 |
| Civic EX 2-Dr Coupe | $272 | $620 | $440 | $26 | $132 | $1,515 | $126 |
| Civic GX 4-Dr Sedan | $272 | $620 | $352 | $20 | $106 | $1,395 | $116 |
| Civic EX-L 2-Dr Coupe | $272 | $620 | $440 | $26 | $132 | $1,515 | $126 |
| Civic Hybrid 4-Dr Sedan | $306 | $538 | $352 | $20 | $106 | $1,347 | $112 |
| Civic SI 2-Dr Coupe | $306 | $702 | $440 | $26 | $132 | $1,631 | $136 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $192 | $368 | $352 | $20 | $106 | $1,038 | $87 |
| Civic VP 4-Dr Sedan | $192 | $434 | $352 | $20 | $106 | $1,104 | $92 |
| Civic LX 4-Dr Sedan | $192 | $434 | $352 | $20 | $106 | $1,104 | $92 |
| Civic DX 2-Dr Coupe | $192 | $434 | $440 | $26 | $132 | $1,224 | $102 |
| Civic EX 4-Dr Sedan | $192 | $434 | $352 | $20 | $106 | $1,104 | $92 |
| Civic LX-S 4-Dr Sedan | $192 | $434 | $352 | $20 | $106 | $1,104 | $92 |
| Civic LX 2-Dr Coupe | $192 | $500 | $440 | $26 | $132 | $1,290 | $108 |
| Civic EX-L 4-Dr Sedan | $220 | $500 | $352 | $20 | $106 | $1,198 | $100 |
| Civic SI 4-Dr Sedan | $220 | $500 | $352 | $20 | $106 | $1,198 | $100 |
| Civic EX 2-Dr Coupe | $220 | $500 | $440 | $26 | $132 | $1,318 | $110 |
| Civic GX 4-Dr Sedan | $220 | $500 | $352 | $20 | $106 | $1,198 | $100 |
| Civic EX-L 2-Dr Coupe | $220 | $500 | $440 | $26 | $132 | $1,318 | $110 |
| Civic Hybrid 4-Dr Sedan | $250 | $434 | $352 | $20 | $106 | $1,162 | $97 |
| Civic SI 2-Dr Coupe | $250 | $566 | $440 | $26 | $132 | $1,414 | $118 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Rate information does not factor in vehicle garaging location which can revise prices noticeably.
Using the data above, we can ascertain that using a $250 deductible costs approximately $15 more each month or $180 a year than quoting the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally average more than 17 months between claims, you would most likely save money by going with a higher deductible.
Calculation for raising deductibles
| Average monthly premium for $250 deductibles: | $115 |
| Average monthly premium for $500 deductibles (subtract): | – $100 |
| Monthly savings from raising deductible: | $15 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $15 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
An important thing to remember is that raising deductibles to save money means you will have to pay more when you have a comprehensive or collision claim. That will require enough money put aside in the event you need to pay more for the deductible.
The diagram below demonstrates how deductible levels and can raise or lower Honda Civic insurance premiums for different insured age categories. The premiums are based on a single female driver, full coverage, and no discounts are taken into consideration.
Auto insurance rates are higher with tickets and accidents
The diagram below highlights how speeding tickets and at-fault claims can increase Honda Civic car insurance costs for different age groups of insureds. The data assumes a married male driver, full coverage, $250 deductibles, and no discounts are applied to the premium.
Full coverage rates compared to liability-only
The diagram below compares Honda Civic car insurance costs when comparing full coverage to state minimum liability only. The premium estimates are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are factored in.
Are you wasting money paying for full coverage?
There is no definitive rule that works best for making the decision to drop physical damage coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
For example, let’s say your Honda Civic replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after you pay the deductible. If premiums are more than $400 a year to have full coverage, then it might be time to buy liability only.
There are some conditions where dropping physical damage coverage is not recommended. If you haven’t paid off your loan, you have to carry full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.
Choosing Civic insurance is an important decision
Even though it can be expensive, buying auto insurance may not be optional for several reasons.
- Almost all states have compulsory liability insurance requirements which means the state requires a specific level of liability if you drive a vehicle. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you took out a loan on your vehicle, it’s most likely the lender will have a requirement that you have comprehensive coverage to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender may insure your Honda at a much higher rate and require you to fork over for the expensive policy.
- Insurance protects both your Honda Civic and your assets. Insurance will also pay for most medical and hospital costs incurred in an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will cover the repair costs.
The benefits of having insurance greatly outweigh the cost, especially if you ever need it. Today the average American driver is overpaying over $800 each year so it’s very important to do a rate comparison at every renewal to be sure current rates are still competitive.
How Your Civic Insurance Costs are Determined
When buying insurance it’s important to understand some of the factors that help calculate your policy premiums. When you know what positively or negatively impacts premium levels, this allows you to make good choices that may result in cheaper rates. Lots of things are part of the equation when quoting car insurance. Some factors are common sense like an MVR report, but other criteria are more transparent such as whether you are married or how financially stable you are.
- An active insurance claims history can increase rates – Insurance companies in Colorado generally give cheaper rates to insureds who only file infrequent claims. If you frequently file small claims, you can expect either policy cancellation or increased premiums. Your insurance policy is meant to be used in the event of larger claims.
- Single drivers take more risk – Your spouse can get you a discount when shopping for insurance. Marriage may mean you are more mature and insurance companies like that married drivers tend to file fewer claims.
- Commute or pleasure use – The higher the mileage driven in a year the more it will cost to insure it. Many insurance companies price each vehicle’s coverage partially by how you use the vehicle. Vehicles that are left in the garage qualify for better rates compared to those used for work or business. Incorrect rating for your Civic can cost quite a bit. Verify your declarations sheet reflects the correct driver usage, because it can save money.
- Never let your insurance expire – Letting your insurance expire will be a guaranteed way to drive up your policy premiums. In addition to paying higher premiums, being ticketed for driving with no insurance can result in a license revocation or jail time. Then you may be required to file a SR-22 with the Colorado department of motor vehicles.
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Gender as a rate factor – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Women and men are in fender benders at about the same rate, but guys have costlier accidents. Not only that, but men also have more aggressive citations like reckless driving and DUI. Male drivers age 16 to 19 are the most expensive to insure so it costs more to insure them.
The example below shows the comparison of Honda Civic car insurance costs for male and female drivers. The premiums assume no tickets, no at-fault accidents, full coverage, $100 deductibles, drivers are not married, and no discounts are applied to the premium.
- Liability is peace of mind – Your insurance policy’s liability coverage is the coverage that protects you in the event that you are determined to be liable for causing personal injury or damage in an accident. It provides for a legal defense to defend your case. It is affordable coverage compared to comp and collision, so do not skimp.
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Insurance loss probability for a Honda Civic – Insurance companies analyze claim trends for every vehicle when setting rates for each model. Models that the data determines to have higher prevalence or dollar amount of losses will have a higher cost to insure.
The information below illustrates the compiled insurance loss statistics for Honda Civic vehicles. For each coverage category, the claim amount for all vehicles as a whole is a value of 100. Numbers below 100 indicate better than average losses, while numbers that are greater than 100 point to more frequent losses or tendency to have larger claims.
Auto Insurance Loss Data for Honda Civic Models 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Insurance quotes and discounts
Insurance can cost an arm and a leg, but you can get discounts that could help you make your next renewal payment. Some discounts apply automatically when you complete an application, but a few need to be specially asked for before you get the savings.
- Discounts for Government Workers – Active or former government employment may qualify for a discount when you quote Colorado Springs auto insurance with a few insurance companies.
- Membership in Organizations – Affiliation with certain professional organizations could earn you a nice discount on your next renewal.
- Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn better premium rates if you take out some life insurance in addition to your auto policy.
- No Accidents – Drivers with accident-free driving histories get the best insurance rates when compared with insureds who have frequent claims or accidents.
- Senior Citizen Discount – If you’re over the age of 55, you are able to get a discount up to 10%.
You can save money using discounts, but some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like liability, collision or medical payments. Just because you may think you can get free auto insurance, nobody gets a free ride.
The illustration below illustrates the comparison of Honda Civic insurance premiums with and without discounts being applied to the rates. Data assumes a female driver, no driving violations, no at-fault accidents, Colorado state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, marriage, safe-driver, homeowner, and claim-free discounts applied.
Some of the larger companies who may offer these discounts include:
When quoting, ask every prospective company the best way to save money. All car insurance discounts might not be offered on policies in Colorado Springs.
Compare prices but buy from a neighborhood Colorado Springs auto insurance agent
Some consumers still like to get professional advice from a licensed agent and that is not a bad decision An additional benefit of comparing rate quotes online is the fact that drivers can get cheaper auto insurance rates and still buy from a local agent.
To help locate an agent, after submitting this short form, your insurance data is submitted to insurance agents in Colorado Springs that can give you free Colorado Springs auto insurance quotes for your coverage. There is no need to do any legwork since rate quotes are delivered instantly to you. It’s the lowest rates without having to waste a lot of time. If you want to get a comparison quote from a specific company, you would need to jump over to their website and complete a quote there.
Finding the right provider requires more thought than just the bottom line cost. Here are some questions to ask:
- Where are claims handled?
- Can you contact them at any time?
- Do they get paid more for recommending certain coverages?
- Do the companies they represent have a solid financial rating?
- Do they write coverage based solely on cost?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
If you’re trying to find a reliable agent, it helps to know the two different types of agencies that you can select. Agents in Colorado Springs can be categorized as either exclusive agents or independent agents.
Exclusive Agents
Agents of this type generally can only insure with one company and some examples include AAA, Allstate, and State Farm. They are unable to give you multiple price quotes so keep that in mind. Exclusive agents are very knowledgeable on sales techniques which aids in selling service over price.
Below are exclusive agents in Colorado Springs who may provide you with rate quotes.
American Family Insurance – Jim Whitlock Agency LLC
8540 Scarborough Dr Ste 220 – Colorado Springs, CO 80920 – (719) 591-6336 – View Map
State Farm: Dan Lewis
1867 S Academy Blvd – Colorado Springs, CO 80916 – (719) 434-3944 – View Map
American Family Insurance – Dave Karstens Agency Inc.
3225 Templeton Gap Rd Ste 104 – Colorado Springs, CO 80907 – (719) 636-3336 – View Map
Independent Agencies or Brokers
Independent agents are appointed with more than one company and that gives them the ability to insure with any number of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, an independent agent can move your coverage and you don’t have to do anything. When comparing rates, you should always check rates from a couple of independent agencies to get the best comparison.
Listed below are Colorado Springs independent agents that can give you price quote information.
Southern Colorado Insurance Center
4390 Academy Blvd N – Colorado Springs, CO 80918 – (719) 329-4441 – View Map
Mary Beth Stiltner Insurance Agency
1880 Dublin Blvd # C – Colorado Springs, CO 80918 – (719) 528-1555 – View Map
Insurance Stops
2105 E Bijou St A – Colorado Springs, CO 80909 – (719) 636-3369 – View Map
Affordable car insurance rates are out there
Cost effective Honda Civic insurance can be purchased from both online companies in addition to many Colorado Springs insurance agents, so you should compare both to have the best chance of lowering rates. A few companies do not offer the ability to get a quote online and most of the time these small, regional companies prefer to sell through independent insurance agencies.
Throughout this article, we presented some good ideas how you can lower your Honda Civic insurance premium rates in Colorado Springs. The most important thing to understand is the more quotes you get, the better your chances of lowering your prices. You may even find the biggest savings come from the smaller companies. These smaller insurers often have lower prices on specific markets than their larger competitors like Progressive or GEICO.
As you prepare to switch companies, do not skimp on coverage in order to save money. In too many instances, an insured dropped collision coverage and found out when filing a claim that it was a big mistake. The aim is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.
More information can be read at these links:
- Collision Coverage (Liberty Mutual)
- Who Has Affordable Auto Insurance Rates for Drivers Over Age 50 in Colorado Springs? (FAQ)
- Who Has Cheap Auto Insurance for Police Officers in Colorado Springs? (FAQ)
- How Much are Auto Insurance Rates for a Honda CR-V in Colorado Springs? (FAQ)
- What Insurance is Cheapest for 16 Year Olds in Colorado Springs? (FAQ)
- Who Has Cheap Colorado Springs Car Insurance for a 20 Year Old Female? (FAQ)
- Who Has the Cheapest Colorado Springs Auto Insurance Quotes for a Nissan Sentra? (FAQ)
- Child Safety Seats (Insurance Information Institute)
- Eight Auto Insurance Myths (Insurance Information Institute)
- Anti-Lock Brake FAQ (iihs.org)