Discount Honda Civic insuranceTrying to come up with a payment for overpriced insurance can dry up your savings account and possibly require postponing other expenditures.

Shocking but true, most consumers have stayed with the same insurance company for at least the last four years, and 38% of drivers have never compared rates from other carriers. Many consumers in Pennsylvania can save roughly 55% each year just by comparing rates, but they don't believe the amount of money they would save if they moved their coverage to a different company.

People have multiple car insurance companies to buy insurance from, and although it's nice to have multiple companies, so many choices can make it hard to find the best rates for Honda Civic insurance in Pittsburgh.

Finding affordable coverage in Pittsburgh can be easy if you know a few tricks. Essentially every driver who needs cheaper car insurance will be able to find lower rates. But Pennsylvania car owners should learn how the larger insurance companies sell online and use it to your advantage.

Determine discounts on Pittsburgh insurance

The cost of insuring your cars can be expensive, but you might already qualify for some discounts to help offset the cost. A few discounts will be applied when you complete an application, but some may not be applied and must be specifically requested in order for you to get them.Save money with discounts

A quick disclaimer, some credits don't apply the the whole policy. Most cut the cost of specific coverages such as liability and collision coverage. Despite the appearance that you can get free auto insurance, that's just not realistic.

A few of the larger companies and some of the discounts are shown below.

If you need lower rates, check with every company how many discounts you can get. Discounts might not be offered on policies everywhere. If you would like to see a list of providers with the best Honda Civic insurance discounts in Pennsylvania, follow this link.

Keep in mind that comparing a wide range of rates will increase your chances of finding a lower rate than you're paying now. Not every company allows you to get Pittsburgh Civic insurance quotes online, so it's necessary to compare price estimates from them, too.

The car insurance companies shown below offer free quotes in Pennsylvania. To get cheap car insurance in Pennsylvania, it's highly recommended you compare several of them to get the best price comparison.

Honda Civic Insurance Costs in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $124 $248 $340 $20 $102 $834 $70
Civic VP 4-Dr Sedan $200 $502 $444 $26 $134 $1,306 $109
Civic LX 4-Dr Sedan $190 $494 $372 $22 $112 $1,190 $99
Civic DX 2-Dr Coupe $174 $400 $420 $24 $126 $1,144 $95
Civic EX 4-Dr Sedan $240 $590 $336 $20 $100 $1,286 $107
Civic LX-S 4-Dr Sedan $174 $400 $336 $20 $100 $1,030 $86
Civic LX 2-Dr Coupe $190 $576 $386 $22 $116 $1,290 $108
Civic EX-L 4-Dr Sedan $246 $570 $336 $20 $100 $1,272 $106
Civic SI 4-Dr Sedan $154 $420 $398 $24 $120 $1,116 $93
Civic EX 2-Dr Coupe $162 $398 $396 $24 $118 $1,098 $92
Civic GX 4-Dr Sedan $178 $484 $372 $22 $112 $1,168 $97
Civic EX-L 2-Dr Coupe $290 $582 $540 $32 $162 $1,606 $134
Civic Hybrid 4-Dr Sedan $274 $590 $372 $22 $112 $1,370 $114
Civic SI 2-Dr Coupe $328 $658 $540 $32 $162 $1,720 $143
Get Your Own Custom Quote Go

Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rate quotes do not factor in vehicle garaging location which can raise or lower coverage prices greatly.

Impact of violations and accidents on rates

The information below illustrates how violations and fender-benders drive up Honda Civic annual premium costs for each different age category. The information is based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

Physical damage deductibles: Should you raise them?

When buying car insurance, a common question is how high should your deductibles be. The following insurance rates summarize the price difference between high and low insurance deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.

Honda Civic insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $222 $428 $330 $20 $98 $1,123 $94
Civic VP 4-Dr Sedan $222 $506 $330 $20 $98 $1,201 $100
Civic LX 4-Dr Sedan $222 $506 $330 $20 $98 $1,201 $100
Civic DX 2-Dr Coupe $222 $506 $412 $24 $124 $1,313 $109
Civic EX 4-Dr Sedan $222 $506 $330 $20 $98 $1,201 $100
Civic LX-S 4-Dr Sedan $222 $506 $330 $20 $98 $1,201 $100
Civic LX 2-Dr Coupe $222 $582 $412 $24 $124 $1,389 $116
Civic EX-L 4-Dr Sedan $254 $582 $330 $20 $98 $1,309 $109
Civic SI 4-Dr Sedan $254 $582 $330 $20 $98 $1,309 $109
Civic EX 2-Dr Coupe $254 $582 $412 $24 $124 $1,421 $118
Civic GX 4-Dr Sedan $254 $582 $330 $20 $98 $1,309 $109
Civic EX-L 2-Dr Coupe $254 $582 $412 $24 $124 $1,421 $118
Civic Hybrid 4-Dr Sedan $288 $506 $330 $20 $98 $1,267 $106
Civic SI 2-Dr Coupe $288 $658 $412 $24 $124 $1,531 $128
Get Your Own Custom Quote Go
Honda Civic insurance premium rates with $1,000 deductibles
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 Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Premium costs do not factor in your specific Pittsburgh location which can lower or raise auto insurance rates significantly.

We can derive from the above data that using a $250 deductible will cost you approximately $26 more each month or $312 each year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 29 months between claim filings, you would most likely save money by going with a higher deductible.

Deductible analysis

The information below illustrates how your deductible choice and can impact Honda Civic annual premium costs for different ages of insureds. The data is based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.

Local neighborhood insurance agents

Some consumers would rather talk to a local agent and that is a smart decision A nice benefit of price shopping on the web is the fact that you can find cheap rate quotes and still choose a local agent.

After filling out this form (opens in new window), your information is immediately sent to agents in your area that give free quotes and help you find cheaper coverage. You won't need to search for any insurance agencies since rate quotes are delivered to you directly. You can find better rates AND a local agent. In the event you want to get a comparison quote for a specific company, you just need to navigate to their website and give them your coverage information.

Picking an provider requires more thought than just a low price. Ask your prospective agent these questions:

When researching an insurance agent, you need to know there are two different agency structures and how they work. Insurance policy providers are either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agencies

Agents that choose to be exclusive have only one company to place business with such as Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot compare rates from other companies so you might not find the best rates. Exclusive agencies receive a lot of sales training on their company's products which helps offset the inability to provide other markets.

Below is a list of exclusive agencies in Pittsburgh that are able to give comparison quotes.


3111 Banksville Rd #207 - Pittsburgh, PA 15216 - (412) 344-3014 - View Map


2830 W Liberty Ave - Pittsburgh, PA 15216 - (412) 531-5600 - View Map


9026 St Simon Way - Pittsburgh, PA 15237 - (412) 364-7170 - View Map

More Pittsburgh agents

Independent Agencies or Brokers

Independent agencies are not limited to a single company so they have the ability to put coverage with many different companies depending on which coverage is best. If premiums increase, they simply switch companies in-house which is easy for the insured.

When searching for an agent, you will want to compare prices from at least one independent agent in order to have the best price comparison.

Listed below is a list of independent insurance agencies in Pittsburgh that are able to give price quote information.

James L Smith Insurance Agency Inc
304 Cochran Rd - Pittsburgh, PA 15228 - (800) 701-5909 - View Map


600 Grant St - Pittsburgh, PA 15219 - (412) 415-1954 - View Map


4893 Campbells Run Rd - Pittsburgh, PA 15205 - (412) 787-7800 - View Map

More Pittsburgh agents

Compare but don't skimp

As you restructure your insurance plan, do not buy lower coverage limits just to save a few bucks. In many instances, an insured dropped collision coverage only to find out that it was a big mistake. Your aim should be to purchase a proper amount of coverage at a price you can afford and still be able to protect your assets.

We covered a lot of tips how to compare Honda Civic insurance prices in Pittsburgh. The most important thing to understand is the more rate comparisons you have, the better chance you'll have of finding the cheapest Honda Civic rate quotes. Drivers may even discover the lowest prices are with a lesser-known regional company. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, GEICO and Progressive.

For more information, link through to the following helpful articles: