Comparing and finding cheap rates for Honda Civic insurance in Springfield is nearly impossible for drivers who are new to online rate comparisons. You have so many companies to choose from that it can turn into a burden to find cheaper Honda Civic insurance rates.

Discount Honda Civic insuranceUnbelievably, over 70% of Massachusetts drivers have bought car insurance from the same company for more than four years, and roughly 40% of drivers have never compared rates with other companies. With the average premium in America being $1,847, drivers could save $860 each year, but they don't believe how much money they would save if they swap their current policy for a cheaper one.

Quoting and buying the best policy in Springfield is quite easy. Basically, every car owner who is overpaying for auto insurance should be able to find lower rates. Nevertheless, Massachusetts car owners can benefit by having an understanding of how big insurance companies sell insurance online because rates fluctuate considerably.

Do you qualify for discounts?

Some insurance providers don't list every discount they offer very clearly, so we took the time to find a few of the more well known as well as the least known credits available to you.Car insurance discounts

While discounts sound great, it's important to understand that some of the credits will not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, it just doesn't work that way.

Some companies who may offer these benefits are:

Before purchasing a policy, check with every prospective company to give you their best rates. Savings might not be offered everywhere. To see a list of providers that offer multiple discounts in Massachusetts, click here.

When quoting insurance, remember that comparing more rates from different companies helps increase your odds of locating the best offered rates.

The providers in the list below offer free quotes in Massachusetts. If the list has multiple companies, it's a good idea that you visit as many as you can in order to find the most competitive rates.

Honda Civic Insurance Estimates in Springfield, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $134 $310 $434 $26 $130 $1,034 $86
Civic VP 4-Dr Sedan $178 $406 $340 $20 $102 $1,046 $87
Civic LX 4-Dr Sedan $246 $704 $404 $24 $122 $1,500 $125
Civic DX 2-Dr Coupe $216 $580 $544 $32 $162 $1,534 $128
Civic EX 4-Dr Sedan $256 $512 $438 $26 $132 $1,364 $114
Civic LX-S 4-Dr Sedan $158 $426 $378 $22 $114 $1,098 $92
Civic LX 2-Dr Coupe $158 $466 $438 $26 $132 $1,220 $102
Civic EX-L 4-Dr Sedan $222 $578 $378 $22 $114 $1,314 $110
Civic SI 4-Dr Sedan $282 $810 $404 $24 $122 $1,642 $137
Civic EX 2-Dr Coupe $182 $372 $548 $32 $164 $1,298 $108
Civic GX 4-Dr Sedan $248 $726 $378 $22 $114 $1,488 $124
Civic EX-L 2-Dr Coupe $138 $382 $472 $28 $142 $1,162 $97
Civic Hybrid 4-Dr Sedan $204 $406 $378 $22 $114 $1,124 $94
Civic SI 2-Dr Coupe $282 $654 $426 $26 $128 $1,516 $126
Get Your Own Custom Quote Go

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Prices do not factor in specific zip code location which can decrease or increase auto insurance rates greatly.

Physical damage deductibles: Should you raise them?

The diagram below illustrates how choosing a deductible and can increase or decrease Honda Civic annual premium costs for different insured age categories. The premiums assume a single female driver, comprehensive and collision coverage, and no discounts are factored in.

Honda Civic annual premiums for males versus females

The chart below visualizes the comparison of Honda Civic auto insurance rates for male and female drivers. The costs are based on no claims, a clean driving record, full coverage, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

Impact of careless driving on auto insurance rates

The example below illustrates how traffic citations and accidents drive up Honda Civic auto insurance rates for different age groups. The premium estimates are based on a single female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

Do I need an insurance agency?

A lot of people still like to buy from a local agent and that is a personal choice. One of the benefits of price shopping on the web is the fact that you can find cheaper premium rates but also keep your business local. And buying from local insurance agents is still important in Springfield.

Springfield insurance agentsAfter filling out this form (opens in new window), your insurance data is sent to local insurance agents who will return price quotes for your coverage. It's much easier because you don't need to leave your house as quotes are delivered to you instantly. You can get cheaper car insurance rates without a big time investment. If you want to compare prices from a specific car insurance provider, just visit that company's website to submit a rate quote request.

Listed below are Springfield car insurance companies that may be able to provide price quotes for Honda Civic insurance in Springfield.

More insurance agents

Deciding on an insurance company should depend on more than just a cheap price quote. The following questions are important to ask.

What is YOUR best insurance company?

As you prepare to switch companies, make sure you don't buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced liability coverage limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Drivers change insurance companies for many reasons like poor customer service, high rates after DUI convictions, questionable increases in premium and policy cancellation. It doesn't matter what your reason, switching auto insurance companies is not as difficult as it may seem.

Lower-priced auto insurance in Springfield is possible both online and from local agencies, and you should be comparing both so you have a total pricing picture. A few companies do not provide online price quotes and many times these small, regional companies only sell coverage through independent agents.

Even more information can be found at these sites: