A recent auto insurance study discovered that a large majority of drivers kept their coverage with the same auto insurance company for at least the last four years, and almost half have never quoted auto insurance rates at all. Louisiana consumers could pocket roughly $900 a year just by comparing rates, but most tend to underestimate how much they could save if they switch to a new company.
The recommended way to get cheaper Honda Civic insurance in New Orleans is to start doing a yearly price comparison from companies who sell insurance in Louisiana.
- First, try to comprehend how your policy works and the measures you can take to keep rates down. Many risk factors that drive up the price such as traffic citations and your credit history can be controlled by making minor changes in your lifestyle. Read the full article for instructions to lower rates and find available discounts that you may qualify for.
- Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from a single company like Progressive or Farmers Insurance, while agents who are independent can quote prices from multiple sources.
- Third, compare the new rates to your current policy to see if cheaper Civic coverage is available in New Orleans. If you find a lower rate quote and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
- Fourth, provide written notification to your current company to cancel your current policy and submit the completed application along with a down payment to your new insurance company. As soon as you receive it, place your new proof of insurance paperwork with your registration paperwork.
An important bit of advice to remember is that you’ll want to make sure you compare the same liability limits and deductibles on each quote request and and to get prices from as many different insurance providers as possible. This provides the most accurate price comparison and the most accurate and complete price analysis.
Low Cost Honda insurance rates in New Orleans
The following companies are ready to provide free rate quotes in New Orleans, LA. In order to find cheap car insurance in New Orleans, it’s highly recommended you click on several of them in order to find the most competitive rates.
Honda Civic coverage analysis
The rate information below showcases estimates of rate quotes for Honda Civic models. Learning more about how auto insurance premiums are formulated can aid in making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $312 | $604 | $464 | $28 | $140 | $1,548 | $129 |
| Civic VP 4-Dr Sedan | $312 | $712 | $464 | $28 | $140 | $1,656 | $138 |
| Civic LX 4-Dr Sedan | $312 | $712 | $464 | $28 | $140 | $1,656 | $138 |
| Civic DX 2-Dr Coupe | $312 | $712 | $580 | $34 | $174 | $1,812 | $151 |
| Civic EX 4-Dr Sedan | $312 | $712 | $464 | $28 | $140 | $1,656 | $138 |
| Civic LX-S 4-Dr Sedan | $312 | $712 | $464 | $28 | $140 | $1,656 | $138 |
| Civic LX 2-Dr Coupe | $312 | $820 | $580 | $34 | $174 | $1,920 | $160 |
| Civic EX-L 4-Dr Sedan | $358 | $820 | $464 | $28 | $140 | $1,810 | $151 |
| Civic SI 4-Dr Sedan | $358 | $820 | $464 | $28 | $140 | $1,810 | $151 |
| Civic EX 2-Dr Coupe | $358 | $820 | $580 | $34 | $174 | $1,966 | $164 |
| Civic GX 4-Dr Sedan | $358 | $820 | $464 | $28 | $140 | $1,810 | $151 |
| Civic EX-L 2-Dr Coupe | $358 | $820 | $580 | $34 | $174 | $1,966 | $164 |
| Civic Hybrid 4-Dr Sedan | $406 | $712 | $464 | $28 | $140 | $1,750 | $146 |
| Civic SI 2-Dr Coupe | $406 | $928 | $580 | $34 | $174 | $2,122 | $177 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Price information does not factor in vehicle location which can increase or decrease premiums significantly.
Can higher deductibles save money?
One frequently asked question is at what level do you set your deductibles. The rates below highlight the premium difference when you buy lower versus higher deductibles. The first data table uses a $100 deductible for physical damage and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $348 | $722 | $464 | $28 | $140 | $1,727 | $144 |
| Civic VP 4-Dr Sedan | $348 | $850 | $464 | $28 | $140 | $1,855 | $155 |
| Civic LX 4-Dr Sedan | $348 | $850 | $464 | $28 | $140 | $1,855 | $155 |
| Civic DX 2-Dr Coupe | $348 | $850 | $580 | $34 | $174 | $2,011 | $168 |
| Civic EX 4-Dr Sedan | $348 | $850 | $464 | $28 | $140 | $1,855 | $155 |
| Civic LX-S 4-Dr Sedan | $348 | $850 | $464 | $28 | $140 | $1,855 | $155 |
| Civic LX 2-Dr Coupe | $348 | $980 | $580 | $34 | $174 | $2,141 | $178 |
| Civic EX-L 4-Dr Sedan | $400 | $980 | $464 | $28 | $140 | $2,037 | $170 |
| Civic SI 4-Dr Sedan | $400 | $980 | $464 | $28 | $140 | $2,037 | $170 |
| Civic EX 2-Dr Coupe | $400 | $980 | $580 | $34 | $174 | $2,193 | $183 |
| Civic GX 4-Dr Sedan | $400 | $980 | $464 | $28 | $140 | $2,037 | $170 |
| Civic EX-L 2-Dr Coupe | $400 | $980 | $580 | $34 | $174 | $2,193 | $183 |
| Civic Hybrid 4-Dr Sedan | $452 | $850 | $464 | $28 | $140 | $1,959 | $163 |
| Civic SI 2-Dr Coupe | $452 | $1108 | $580 | $34 | $174 | $2,373 | $198 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $254 | $488 | $464 | $28 | $140 | $1,374 | $115 |
| Civic VP 4-Dr Sedan | $254 | $574 | $464 | $28 | $140 | $1,460 | $122 |
| Civic LX 4-Dr Sedan | $254 | $574 | $464 | $28 | $140 | $1,460 | $122 |
| Civic DX 2-Dr Coupe | $254 | $574 | $580 | $34 | $174 | $1,616 | $135 |
| Civic EX 4-Dr Sedan | $254 | $574 | $464 | $28 | $140 | $1,460 | $122 |
| Civic LX-S 4-Dr Sedan | $254 | $574 | $464 | $28 | $140 | $1,460 | $122 |
| Civic LX 2-Dr Coupe | $254 | $662 | $580 | $34 | $174 | $1,704 | $142 |
| Civic EX-L 4-Dr Sedan | $292 | $662 | $464 | $28 | $140 | $1,586 | $132 |
| Civic SI 4-Dr Sedan | $292 | $662 | $464 | $28 | $140 | $1,586 | $132 |
| Civic EX 2-Dr Coupe | $292 | $662 | $580 | $34 | $174 | $1,742 | $145 |
| Civic GX 4-Dr Sedan | $292 | $662 | $464 | $28 | $140 | $1,586 | $132 |
| Civic EX-L 2-Dr Coupe | $292 | $662 | $580 | $34 | $174 | $1,742 | $145 |
| Civic Hybrid 4-Dr Sedan | $330 | $574 | $464 | $28 | $140 | $1,536 | $128 |
| Civic SI 2-Dr Coupe | $330 | $748 | $580 | $34 | $174 | $1,866 | $156 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Information does not factor in zip code location which can influence price quotes considerably.
Based on these figures, using a $100 deductible will cost you approximately $36 more each month or $432 for a full year across all Honda Civic models than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to go more than 11 months between claim filings, you would probably save some money if you choose a higher deductible.
The chart below illustrates how your deductible choice and can increase or decrease Honda Civic insurance premiums for each age group. The premium estimates are based on a single female driver, full coverage, and no discounts are taken into consideration.
Does it make sense to buy full coverage?
The illustration below visualizes the comparison of Honda Civic car insurance costs with liability coverage only compared to full coverage. The prices are based on no tickets, no at-fault accidents, $500 deductibles, single marital status, and no discounts are taken into consideration.
When to switch to liability coverage only
There is no definitive rule that is best for determining when to drop physical damage coverage, but there is a general convention. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s say your Honda Civic replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $2,000 after the deductible is paid. If it’s costing you more than $200 a year to have full coverage, then it may be the right time to buy liability only.
There are some scenarios where dropping full coverage is not recommended. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.
Car insurance policy discounts you can’t miss
Car insurance is not an enjoyable expense, but there may be some discounts that can help lower your rates. Some trigger automatically at the time of quoting, but a few must be requested specifically prior to getting the savings.
- Discount for Passive Restraints – Options like air bags or motorized seat belts may get savings as much as 30%.
- Distant Student Discount – Older children who live away from home to go to college without a vehicle on campus may be insured at a cheaper rate.
- Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving can save up to 15% on medical payment and PIP coverage.
- Online Discount – Some larger companies provide a small discount shop New Orleans car insurance over the internet.
- Good Students Pay Less – Excelling in school can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
One thing to note about discounts is that some credits don’t apply to your bottom line cost. Most only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, that’s just not realistic.
The example below shows the difference between Honda Civic auto insurance rates with and without policy discounts. The rates are based on a male driver, no violations or claims, Louisiana state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, homeowner, marriage, multi-policy, and safe-driver discounts applied.
A partial list of companies that may offer policyholders many of the previously listed discounts include:
When getting free New Orleans car insurance quotes, it’s a good idea to every prospective company what discounts are available to you. Discounts might not be offered on policies in New Orleans. To see car insurance companies with the best discounts in New Orleans, click here to view.
Informed Drivers Can Cut Insurance Costs
Consumers need to have an understanding of a few of the rating criteria that are used to determine your premiums. If you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could result in lower rates. Lots of factors are used when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but other criteria are more obscure like where you live or your vehicle rating.
Know your vehicle’s NHTSA crash test rating – Vehicles that have high safety ratings get lower rates. Vehicles built for safety help reduce the chance of injuries in an accident and reduced instances of injuries means less money paid by your insurance company which can mean better rates for you.
Driving citations drive up premiums – Attentive drivers have lower premiums than people who have multiple driving citations. Only having one citation can bump up the cost to the point where it’s not affordable. Drivers who get severe violations such as hit and run, DWI or reckless driving convictions might be required by their state to prove financial responsibility with their state DMV in order to prevent a license revocation.
The example below shows how violations and accidents can influence Honda Civic insurance costs for different insured age categories. The costs are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
Male rates may be higher – The statistics show that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. Men and women have auto accidents at a similar rate, but the males have accidents that have higher claims. Not only are claims higher, but men get cited for more serious violations such as reckless driving. Young males are the most expensive to insure and are penalized with high insurance rates.
The diagram below visualizes the comparison of Honda Civic auto insurance costs for male and female drivers. The data is based on no tickets, no at-fault accidents, full coverage, $100 deductibles, marital status is single, and no other discounts are factored in.
Cheaper premiums for being claim-free – Car insurance companies in Louisiana provide most affordable rates to policyholders who do not rely on their insurance for small claims. If you file a lot of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Auto insurance is designed for claims that you cannot pay yourself.
Pay more for higher performance vehicles – The performance of the car or truck you need to insure makes a substantial difference in your auto insurance rates. The best insurance prices are generally reserved for small economy passenger cars, but other factors influence the final cost greatly.
The chart below is based on a married male driver age 40, full coverage with $500 deductibles, and no discounts or violations. It illustrates Honda Civic car insurance rates compared to other makes and models that have different performance rating factors.
Getting married can save on insurance – Getting married may earn you lower rates on your policy. Marriage demonstrates that you tend to be less irresponsible and statistics show drivers who are married file infrequent claims.
Insurance loss data for a Honda Civic – Insurers use claims history when they file their rates in each state. Vehicles that historically have a higher amount or frequency of claims will have increased rates.
The table below outlines the historical insurance loss data for Honda Civic vehicles. For each policy coverage type, the loss probability for all vehicles compiled together is a value of 100. Numbers under 100 imply a favorable loss record, while values over 100 indicate more frequent losses or a tendency for claims to be larger.
| Vehicle 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 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance agencies can give valuable advice
Many people would prefer to sit down with an agent and often times that is recommended Professional insurance agents can make sure you are properly covered and help in the event of a claim. The best thing about price shopping on the web is that drivers can save money and get the lowest rates and still have a local agent.
For easy comparison, once you complete this form (opens in new window), the coverage information is instantly submitted to local insurance agents that provide free New Orleans car insurance quotes and help you find cheaper coverage. There is no reason to search for an agent because prices are sent to you directly. If you wish to quote rates from a specific company, you can always go to their quote page and give them your coverage information.
Choosing the best provider is decision based upon more than just the quoted price. These are some questions your agent should answer.
- Is vehicle mileage a factor when determining depreciation for repairs?
- Are aftermarket or OEM parts used to repair vehicles?
- What are the financial ratings for the companies they represent?
- Does the agent have a valid license to sell insurance in Louisiana?
- What insurance company do they write the most business with?
- When do they do a full risk review?
- Will they take your side in the event of a claim?
Get the best coverage at the most affordable price
You just learned many ways to find affordable Honda Civic insurance in New Orleans. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your premium rates. You may even find the best price on auto insurance is with some of the lesser-known companies.
More affordable auto insurance in New Orleans is definitely available from both online companies in addition to many New Orleans insurance agents, so you need to quote New Orleans car insurance with both so you have a total pricing picture. Some auto insurance companies don’t offer the ability to get a quote online and these small, regional companies provide coverage only through independent insurance agents.
People change insurance companies for any number of reasons including high prices, high rates after DUI convictions, denial of a claim or even an unsatisfactory settlement offer. It doesn’t matter why you want to switch switching companies is easier than you think.
Additional detailed information can be found at these sites:
- How to Avoid Staged Accidents (State Farm)
- Who Has the Cheapest New Orleans Car Insurance Rates for a School Permit? (FAQ)
- What Car Insurance is Cheapest for a Nissan Altima in New Orleans? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for 17 Year Olds in New Orleans? (FAQ)
- Who Has Affordable Car Insurance for High School Students in New Orleans? (FAQ)
- Who Has Affordable Car Insurance Rates for a 20 Year Old Male in New Orleans? (FAQ)
- Vehicle Size and Weight FAQ (iihs.org)
- Distracted Driving Statistics (Insurance Information Institute)