Inconceivable but true, most consumers in Wisconsin have bought insurance from the same company for at least the last four years, and virtually 40% of consumers have never quoted insurance rates at all. American drivers could pocket approximately $850 a year by just comparing quotes, but they think it’s difficult to do a rate comparison.
If your goal is the lowest price, then the best way to find better pricing on car insurance rates is to start doing a yearly price comparison from companies in Madison. Drivers can shop around by completing these steps.
Step 1: Spend a few minutes and learn about how companies price auto insurance and the measures you can control to prevent expensive coverage. Many factors that result in higher prices like careless driving and an imperfect credit score can be eliminated by paying attention to minor details. Read the full article for more ideas to find cheap prices and find overlooked discounts.
Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like Progressive or Farmers Insurance, while agents who are independent can quote rates from multiple sources. Start a quote
Step 3: Compare the price quotes to your existing coverage and see if you can save money. If you can save some money and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Tell your current company to cancel your current coverage and submit payment along with a signed and completed policy application to your new carrier. Don’t forget to put the new certificate of insurance in your vehicle.
An important note is to try to compare identical coverage information on each quote and and to compare as many different companies as possible. This helps ensure an apples-to-apples comparison and a thorough price selection.
If you are already insured or just want to reduce your rates, use these tips to shop for the lowest rates without reducing protection. The goal of this article is to familiarize you with the most effective ways to compare rates and some tips to save money. You just need to learn the proper methods to compare insurance rates over the internet.
Finding a lower price on Honda Civic insurance is not rocket science. You just have to take a few minutes to get quotes online from several insurance companies.
The following companies offer price quotes in Wisconsin. To find cheap car insurance in Madison, we recommend you visit several of them in order to get a fair rate comparison.
Insurance data for a Honda Civic
The coverage information displayed below covers estimates of insurance prices for Honda Civic models. Learning more about how rate quotes are calculated can aid in making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $154 | $300 | $230 | $14 | $68 | $766 | $64 |
| Civic VP 4-Dr Sedan | $154 | $352 | $230 | $14 | $68 | $818 | $68 |
| Civic LX 4-Dr Sedan | $154 | $352 | $230 | $14 | $68 | $818 | $68 |
| Civic DX 2-Dr Coupe | $154 | $352 | $288 | $18 | $86 | $898 | $75 |
| Civic EX 4-Dr Sedan | $154 | $352 | $230 | $14 | $68 | $818 | $68 |
| Civic LX-S 4-Dr Sedan | $154 | $352 | $230 | $14 | $68 | $818 | $68 |
| Civic LX 2-Dr Coupe | $154 | $406 | $288 | $18 | $86 | $952 | $79 |
| Civic EX-L 4-Dr Sedan | $178 | $406 | $230 | $14 | $68 | $896 | $75 |
| Civic SI 4-Dr Sedan | $178 | $406 | $230 | $14 | $68 | $896 | $75 |
| Civic EX 2-Dr Coupe | $178 | $406 | $288 | $18 | $86 | $976 | $81 |
| Civic GX 4-Dr Sedan | $178 | $406 | $230 | $14 | $68 | $896 | $75 |
| Civic EX-L 2-Dr Coupe | $178 | $406 | $288 | $18 | $86 | $976 | $81 |
| Civic Hybrid 4-Dr Sedan | $200 | $352 | $230 | $14 | $68 | $864 | $72 |
| Civic SI 2-Dr Coupe | $200 | $460 | $288 | $18 | $86 | $1,052 | $88 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in Madison location which can lower or raise prices significantly.
Higher deductibles save money
One frequently asked question is how high should the deductibles for physical damage be. The following insurance rates illustrate the rate fluctuation when you choose different insurance deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $154 | $300 | $230 | $14 | $68 | $791 | $66 |
| Civic VP 4-Dr Sedan | $154 | $352 | $230 | $14 | $68 | $843 | $70 |
| Civic LX 4-Dr Sedan | $154 | $352 | $230 | $14 | $68 | $843 | $70 |
| Civic DX 2-Dr Coupe | $154 | $352 | $288 | $18 | $86 | $923 | $77 |
| Civic EX 4-Dr Sedan | $154 | $352 | $230 | $14 | $68 | $843 | $70 |
| Civic LX-S 4-Dr Sedan | $154 | $352 | $230 | $14 | $68 | $843 | $70 |
| Civic LX 2-Dr Coupe | $154 | $406 | $288 | $18 | $86 | $977 | $81 |
| Civic EX-L 4-Dr Sedan | $178 | $406 | $230 | $14 | $68 | $921 | $77 |
| Civic SI 4-Dr Sedan | $178 | $406 | $230 | $14 | $68 | $921 | $77 |
| Civic EX 2-Dr Coupe | $178 | $406 | $288 | $18 | $86 | $1,001 | $83 |
| Civic GX 4-Dr Sedan | $178 | $406 | $230 | $14 | $68 | $921 | $77 |
| Civic EX-L 2-Dr Coupe | $178 | $406 | $288 | $18 | $86 | $1,001 | $83 |
| Civic Hybrid 4-Dr Sedan | $200 | $352 | $230 | $14 | $68 | $889 | $74 |
| Civic SI 2-Dr Coupe | $200 | $460 | $288 | $18 | $86 | $1,077 | $90 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $96 | $188 | $230 | $14 | $68 | $596 | $50 |
| Civic VP 4-Dr Sedan | $96 | $222 | $230 | $14 | $68 | $630 | $53 |
| Civic LX 4-Dr Sedan | $96 | $222 | $230 | $14 | $68 | $630 | $53 |
| Civic DX 2-Dr Coupe | $96 | $222 | $288 | $18 | $86 | $710 | $59 |
| Civic EX 4-Dr Sedan | $96 | $222 | $230 | $14 | $68 | $630 | $53 |
| Civic LX-S 4-Dr Sedan | $96 | $222 | $230 | $14 | $68 | $630 | $53 |
| Civic LX 2-Dr Coupe | $96 | $256 | $288 | $18 | $86 | $744 | $62 |
| Civic EX-L 4-Dr Sedan | $110 | $256 | $230 | $14 | $68 | $678 | $57 |
| Civic SI 4-Dr Sedan | $110 | $256 | $230 | $14 | $68 | $678 | $57 |
| Civic EX 2-Dr Coupe | $110 | $256 | $288 | $18 | $86 | $758 | $63 |
| Civic GX 4-Dr Sedan | $110 | $256 | $230 | $14 | $68 | $678 | $57 |
| Civic EX-L 2-Dr Coupe | $110 | $256 | $288 | $18 | $86 | $758 | $63 |
| Civic Hybrid 4-Dr Sedan | $124 | $222 | $230 | $14 | $68 | $658 | $55 |
| Civic SI 2-Dr Coupe | $124 | $290 | $288 | $18 | $86 | $806 | $67 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Price estimates do not factor in vehicle garaging location which can modify price quotes significantly.
Based on this data, we can arrive at the conclusion that using a $250 deductible costs roughly $19 more each month or $228 annually averaged for all Civic models than requesting the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 39 months between claim filings, you would probably be better off if you elect the higher deductible. The table below illustrates an example of how this calculation is made.
| Average monthly premium for $250 deductibles: | $76 |
| Average monthly premium for $1,000 deductibles (subtract): | – $57 |
| Monthly savings from raising deductible: | $19 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $19 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 39 months |
An important thing to remember is that a higher deductible level means you will have to pay more of your own money when you do file a claim. You will want to have some extra savings in the event you have to pay the deductible to have repairs made.
Safe drivers Madison pay cheaper rates
The chart below shows how violations and at-fault claims can influence Honda Civic annual premium costs for different insured age categories. The data assumes a married male driver, full coverage, $500 deductibles, and no policy discounts are applied.
Gender differences in insurance premiums
The diagram below compares Honda Civic insurance prices for male and female drivers. Data assumes no tickets, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, single status, and no discounts are applied to the premium.
Full coverage rates vs. liability-only in Madison
The information below shows the comparison of Honda Civic car insurance rates with liability coverage only compared to full coverage. The price estimates are based on no driving violations, no at-fault accidents, $500 deductibles, single status, and no additional discounts are factored in.
When to buy liability coverage only
There is no definitive rule to drop physical damage coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s say your Honda Civic replacement cost is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $6,000 after the policy deductible has been paid. If you are paying in excess of $600 annually for full coverage, then you might consider buying liability only.
There are a few cases where dropping physical damage coverage is not a good idea. If you still owe money on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Insuring your vehicle just makes sense
Even though it can be expensive, maintaining insurance serves a purpose in several ways.
- Just about all states have minimum mandated liability insurance limits which means state laws require a minimum amount of liability protection in order to drive the car legally. In Wisconsin these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your vehicle, it’s guaranteed your bank will have a requirement that you buy insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank may insure your Honda at a much higher premium rate and require you to pay for the much more expensive policy.
- Insurance safeguards not only your Honda Civic but also your assets. It will also reimburse you for medical expenses for yourself as well as anyone injured by you. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to have it repaired.
The benefits of carrying adequate insurance definitely exceed the price paid, specifically if you ever have a liability claim. An average driver in America overpays more than $700 annually so shop around at least once a year to make sure the price is not too high.
Six factors that influence insurance costs
Many different elements are part of the calculation when you get your auto insurance bill. A few of the factors are predictable like a motor vehicle report, but other factors are less apparent such as your marital status or how financially stable you are.
- Where you live plays a part – Being located in areas with lower population has it’s advantages when trying to find low car insurance rates. Less people translates into fewer accident claims in addition to fewer liability claims. City drivers tend to have more road rage incidents and more time behind the wheel. More time on the road means higher likelihood of an accident.
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Costs are impacted by vehicle performance – The performance level of the car you are buying insurance for makes a big difference in your rates. Lower cost passenger vehicles receive the most favorable rates, but many other things help determine your insurance rates.
The following data assumes a single male driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Honda Civic car insurance rates compared to other models of vehicles that have different performances.
- Raising physical damage deductibles saves money – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Honda. Some examples of covered claims would be a windshield shattered by a rock, collision with an animal, and damage caused by flying debris. The deductibles you choose tell how much you are willing to pay before a claim is paid by your company. The more money you pay before a claim is paid (deductible), the lower your rates will be.
- Lower miles driven equals lower premium – The higher the miles on your Honda each year the more it will cost to insure it. The majority of insurers price each vehicle’s coverage based on their usage. Cars and trucks used primarily for pleasure use can get a lower rate compared to those used for work or business. Having the wrong rating on your Civic can result in significantly higher rates. It’s a smart idea to ensure your vehicle rating properly reflects how each vehicle is driven.
- Never let your coverage expire – Driving your car without having proper coverage can get you a ticket and you will pay a penalty because you let your insurance expire. In addition to paying higher rates, being ticketed for driving with no insurance can result in a steep fine or even jail time.
- Being married can save you money – Having a wife or husband can actually save you money when shopping for insurance. Having a spouse may mean you are more mature and responsible and insurance companies like that married drivers tend to have fewer serious accidents.
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Honda Civic insurance loss statistics – Auto insurance companies use past insurance losses when they file their rates in each state. Models that are shown to have higher losses will cost more to insure.
The data below shows the historical insurance loss data for Honda Civic vehicles. For each coverage category, the loss probability for all vehicles averaged together is a value of 100. Values under 100 suggest a positive loss record, while percentage numbers above 100 indicate frequent claims or tendency to have larger claims.
Honda Civic Insurance Claim Statistics 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
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Save money on Honda Civic insurance in Madison with these insurance discounts
Companies offering auto insurance don’t always list every available discount in a way that’s easy to find, so the next list breaks down a few of the more common as well as some of the hidden ways to save on insurance.
- Military Deployment Discount – Having an actively deployed family member could mean lower premium rates.
- Membership in Organizations – Being in qualifying employment or professional organizations can get you a small discount on your next renewal.
- ABS Braking Discount – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive so companies give up to a 10% discount.
- Responsible Drivers – Drivers without accidents can pay as much as 50% less compared to accident prone drivers.
- Defensive Driver Discounts – Passing a class that teaches safe driver techniques can save you 5% or more if your company offers it.
As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, it’s just not the way it works.
The chart below compares Honda Civic auto insurance costs with and without policy discounts. The premium estimates are based on a female driver, no claims, a clean driving record, Wisconsin state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, multi-car, marriage, and homeowner discounts applied.
Companies that may offer quotes with these benefits are:
Before you buy a policy, ask each insurance company which discounts they offer. All car insurance discounts may not be available in your state.
Can’t I get rate quotes from local Madison insurance agents?
Some consumers would prefer to talk to a local agent and often times that is recommended Licensed agents are trained to spot inefficiencies and help submit paperwork. A good thing about getting free rate quotes online is the fact that drivers can get better rates and still have an agent to talk to.
To make it easy to find an agent, after completing this simple form, your insurance data is submitted to insurance agents in Madison who will give you quotes for your insurance coverage. You won’t even need to contact an agency since price quotes are sent to you instantly. If you need to compare rates from a specific insurance provider, feel free to search and find their rate quote page and give them your coverage information.
Selecting a insurer requires you to look at more than just a cheap quote. These are some questions you should get answers to.
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Does the quote include credit and driving reports?
- Will the company cover a rental car if your car is getting fixed?
- Which insurance companies are they affiliated with?
- Do they have a Better Business Bureau rating in Madison?
- Is there any savings for paying the full premium?
If you would like to find a reliable insurance agency, it can be helpful to understand the types of insurance agents and how they operate. Agents in Madison can be classified as either exclusive or independent (non-exclusive). Both types can properly insure your vehicles, but it’s important to point out how they differ since it could factor into your agent selection.
Exclusive Agents
These type of agents are contracted to one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agencies are unable to provide rate quotes from other companies so they have no alternatives for high prices. Exclusive insurance agents are well schooled on their products and sales techniques which helps overcome the inability to quote other rates. Many people buy from exclusive agents partially due to the brand legacy and the convenience of having all coverages with one company.
Shown below is a short list of exclusive agents in Madison willing to provide rate quotes.
- American Family Insurance – Leah Salter
5025 Old Middleton Rd – Madison, WI 53705 – (608) 273-8555 – View Map - American Family Insurance – Daniel Piazza
2601 Crossroads Dr Ste 100 – Madison, WI 53718 – (608) 241-9000 – View Map - Farmers Insurance – The Arttus Agency
624A Struck St – Madison, WI 53719 – (608) 271-9395 – View Map
Independent Insurance Agents
Independent agencies are not employed by any specific company so they can insure your vehicles with lots of companies and find the cheapest insurance rates. If they find a lower price, the agent simply finds a different carrier and you don’t have to do anything.
When comparison shopping, you should always get several quotes from several independent agencies in order to compare the most rates. Many independent agencies also insure through mutual insurance companies that many times have cheaper rates.
Shown below are independent insurance agencies in Madison willing to provide rate quotes.
- Above and Beyond Insurance
6601 Grand Teton Plaza #7 – Madison, WI 53719 – (608) 203-8666 – View Map - Abacus-Bertz Financial
6417 Odana Rd Suite 13 – Madison, WI 53719 – (608) 238-5800 – View Map - Universal Insurance Agency Corporation
6709 Raymond Rd – Madison, WI 53719 – (608) 216-7060 – View Map
After you get good responses to all your questions and a low price estimate, it’s possible that you found a car insurance agent that can be relied on to service your policy.
Wisconsin car insurance companies
Choosing a high-quality car insurance provider can be challenging considering how many companies sell coverage in Madison. The company information in the lists below could help you choose which coverage providers you want to consider comparing prices from.
Top 10 Madison Car Insurance Companies Overall
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Top 10 Madison Car Insurance Companies Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Erie Insurance
- Liberty Mutual
- State Farm
- Allstate
- Safeco Insurance
- Travelers
- 21st Century
In conclusion
Drivers leave their current company for any number of reasons including unfair underwriting practices, extreme rates for teen drivers, an unsatisfactory settlement offer or even policy cancellation. Whatever your reason, choosing a new insurance company can be pretty painless.
More affordable car insurance in Madison can be sourced on the web and with local Madison insurance agents, so you should compare both to have the best selection. Some insurance providers do not offer the ability to get quotes online and usually these small insurance companies work with independent insurance agencies.
We covered many ways to reduce Honda Civic insurance prices online in Madison. The most important thing to understand is the more companies you get rates for, the better likelihood of getting affordable Madison auto insurance quotes. You may even discover the best price on car insurance is with a lesser-known regional company.
Additional resources
- Senior Drivers (Insurance Information Institute)
- Who Has Affordable Car Insurance Quotes for a Hyundai Sonata in Madison? (FAQ)
- What Insurance is Cheapest for Drivers Under 25 in Madison? (FAQ)
- What if I Can’t Find Coverage? (Insurance Information Institute)
- Credit and Insurance Scores (Insurance Information Institute)