Are you searching for lower-priced Honda Civic insurance in Milwaukee? Did you come to the realization that you have high-priced Honda Civic insurance in Milwaukee? You’re in good company because you’re not the only one.
A recent auto insurance study revealed that 70% of consumers have been with the same company for at least four years, and nearly 40% of drivers have never even compared rates from other companies. U.S. drivers could save themselves about $850 a year by just comparing quotes, but most undervalue the benefits if they swap their current policy for a cheaper one. You have so many auto insurance companies to insure vehicles with, and even though it’s nice to have multiple companies, having more car insurance companies makes it harder to find the best rates for Honda Civic insurance in Milwaukee.
Low-cost companies for Honda Civic insurance in Wisconsin
The auto insurance companies shown below are our best choices to provide comparison quotes in Wisconsin. If the list has multiple companies, it’s a good idea that you get rate quotes from several of them in order to find the most competitive rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $176 | $300 | $302 | $18 | $90 | $886 | $74 |
| Civic VP 4-Dr Sedan | $92 | $218 | $234 | $14 | $70 | $628 | $52 |
| Civic LX 4-Dr Sedan | $120 | $292 | $216 | $12 | $64 | $704 | $59 |
| Civic DX 2-Dr Coupe | $96 | $222 | $288 | $18 | $86 | $710 | $59 |
| Civic EX 4-Dr Sedan | $140 | $324 | $236 | $14 | $70 | $784 | $65 |
| Civic LX-S 4-Dr Sedan | $126 | $284 | $230 | $14 | $68 | $722 | $60 |
| Civic LX 2-Dr Coupe | $134 | $398 | $324 | $20 | $98 | $974 | $81 |
| Civic EX-L 4-Dr Sedan | $220 | $596 | $310 | $18 | $92 | $1,236 | $103 |
| Civic SI 4-Dr Sedan | $122 | $314 | $310 | $18 | $92 | $856 | $71 |
| Civic EX 2-Dr Coupe | $124 | $320 | $302 | $18 | $90 | $854 | $71 |
| Civic GX 4-Dr Sedan | $160 | $402 | $310 | $18 | $92 | $982 | $82 |
| Civic EX-L 2-Dr Coupe | $170 | $476 | $302 | $18 | $90 | $1,056 | $88 |
| Civic Hybrid 4-Dr Sedan | $172 | $346 | $260 | $16 | $78 | $872 | $73 |
| Civic SI 2-Dr Coupe | $196 | $528 | $348 | $20 | $104 | $1,196 | $100 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Premium costs do not factor in garaging location in Milwaukee which can affect prices greatly.
Comparison of car insurance rates by gender
The diagram below visualizes the comparison of Honda Civic insurance rates for male and female drivers. The prices are based on no accidents, no driving violations, comp and collision included, $250 deductibles, drivers are single, and no discounts are applied to the premium.
Insurance policy discounts you can’t miss
The cost of insuring your cars can be expensive, but you can get discounts to help bring down the price. Most are applied when you purchase, but once in a while a discount must be inquired about before you get the savings.
- Air Bag Discount – Cars that have air bags can get savings up to 30%.
- E-sign Discounts – Some of the larger companies may give you up to $50 shop Milwaukee auto insurance on the web.
- Accident Forgiveness Coverage – This isn’t a discount exactly, but some insurance companies will turn a blind eye to one accident before they charge you more for coverage with the catch being you have to be claim-free for a set time period.
- Home Ownership Discount – Owning a home in Milwaukee may trigger a policy discount on insurance because maintaining a house shows financial diligence.
- Bundle and Save – If you can combine your home and auto policy with one company you could save nearly 15% which can help you find low cost Honda Civic insurance.
As is typical with insurance, most discount credits are not given to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way.
The best insurance companies and their possible discounts are outlined below.
- State Farm includes discounts for accident-free, driver’s education, Steer Clear safe driver discount, safe vehicle, and multiple policy.
- American Family offers discounts for good student, TimeAway discount, accident-free, Steer into Savings, and mySafetyValet.
- GEICO may include discounts for good student, multi-policy, multi-vehicle, five-year accident-free, federal employee, and daytime running lights.
- 21st Century offers premium reductions for driver training, automatic seat belts, student driver, homeowners, and good student.
- Progressive may have discounts that include online signing, continuous coverage, multi-policy, multi-vehicle, good student, and online quote discount.
If you need lower rates, check with each company or agent the best way to save money. Some of the discounts discussed earlier might not be offered in every state.
Why You Might Pay Higher Rates in Milwaukee
A large part of saving on car insurance is knowing the different types of things that help calculate the price you pay for car insurance. When you know what positively or negatively determines premiums, this allows you to make good choices that could result in lower premium levels.
The factors shown below are a partial list of the pieces used by companies to determine your premiums.
Marriage is a good thing – Getting married may save some money on car insurance. It means you’re more stable financially and it’s proven that being married results in fewer claims.
Know your vehicle’s safety rating – Vehicles with high crash test scores get lower rates. Safer cars result in less severe injuries and fewer serious injuries translates directly to fewer claims passed on to you as lower rates.
How do annual miles impact prices? – Driving a lot of miles annually the more you will pay for car insurance. Almost all companies rate vehicles based upon how the vehicle is primarily used. Cars that do not get driven very much get more affordable rates than vehicles that are driven to work every day. It’s a smart idea to ensure your car insurance policy correctly shows how each vehicle is driven, because improper ratings can cost you money. Having the wrong rating on your Civic may be wasting your money.
Your employer and car insurance rates – Do you work in a high-stress field? Jobs like doctors, airline pilots, and medical professionals are shown to have higher average rates due to intense work-related stress and long work hours. On the flip side, jobs like actors, students and the unemployed have the lowest average rates.
Insurance losses for a Honda Civic – Auto insurance companies use statistical claims data in order to profitably underwrite each model. Vehicles that the data shows to have increased claim numbers or amounts will be charged more to insure.
The next table illustrates the compiled insurance loss statistics for Honda Civic vehicles. For each insurance policy coverage type, the loss probability for all vehicles as a whole is equal to 100. Values that are under 100 imply a favorable loss record, while values that are above 100 point to more frequent losses or an increased probability of a larger loss.
Insurance Loss Ratings for Honda Civic Vehicles
| Vehicle 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 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance agents can help
Some people prefer to talk to an insurance agent and there is nothing wrong with that. Insurance agents are trained risk managers and help in the event of a claim. An additional benefit of comparing car insurance online is the fact that you can find cheap rate quotes and also buy local.
By using this simple form, your coverage information is instantly submitted to companies in Milwaukee who will gladly provide quotes and help you find cheaper coverage. There is no reason to search for any insurance agencies because prices are sent immediately to you. In the event you want to compare prices from a specific insurance company, you would need to navigate to their website and complete a quote there.
Finding a good provider needs to be determined by more than just a cheap price quote. Before buying a policy in Milwaukee, get answers to these questions.
- Is the agent and/or agency licensed to do business in Wisconsin?
- Do they get extra compensation for selling add-on coverages?
- Do they make recommendations based only on price?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Are they able to influence company decisions when a claim is filed?
- Can you choose the body shop in case repairs are needed?
If you’re trying to find a reliable agent, it can be helpful to understand the types of insurance agents and how they work. Agents in Milwaukee can be classified as either exclusive or independent. Either one can insure your vehicles, but it is important to understand the differences since it could factor into your selection of an agent.
Exclusive Insurance Agencies
Agents that choose to be exclusive can only write with one company like Allstate, AAA, Farmers Insurance, and State Farm. They generally cannot provide prices from multiple companies so it’s a take it or leave it situation. Exclusive insurance agents receive extensive training on the products they sell which can be an advantage.
Listed below is a short list of exclusive agencies in Milwaukee who can help you get price quote information.
American Family Insurance – Adam Altis
6015 W Forest Home Ave – Milwaukee, WI 53220 – (414) 321-9944 – View Map
Allstate Insurance: Mark Stanley
3525 S 68th St – Milwaukee, WI 53220 – (414) 321-3700 – View Map
American Family Insurance – Jaime Mercado
709 W Layton Ave – Milwaukee, WI 53221 – (414) 481-4400 – View Map
Independent Agents (or Brokers)
Agents that elect to be independent are not locked into one company and that gives them the ability to insure through many different car insurance companies and find the cheapest rate. If they quote lower rates, your policy is moved internally and you can keep the same agent. When comparing rate quotes, you absolutely need to get several quotes from at least one independent agent for the best price selection.
Shown below are independent agencies in Milwaukee willing to provide price quote information.
1st Light Insurance Services
500 W Silver Spring Dr k200 – Milwaukee, WI 53217 – (414) 393-1950 – View Map
Dern and Company
10335 W Oklahoma Ave #203 – Milwaukee, WI 53227 – (414) 935-5700 – View Map
Wesley Insurance
5600 W Center St – Milwaukee, WI 53210 – (414) 873-4500 – View Map
If you receive good responses to all your questions as well as offering an affordable quote, you’ve probably found an auto insurance agent that can service your policy. Keep in mind you are entitled to cancel your coverage for any reason so don’t feel you are locked into any specific agency for a certain time period.
Insurance in the media
Consumers in Wisconsin can’t get away from all the ads that claim the cheapest premium rates by companies like GEICO, State Farm and Progressive. They all say the same thing that people will save if you change your insurance policy to them.
How does every insurance company give you a lower rate on Honda Civic insurance in Milwaukee?
Insurance companies give the best rates for the type of driver that will be a good risk. An example of this type of insured might be described as over the age of 40, has no claims, and drives a lower-performance vehicle. Any new insured that hits that “sweet spot” will qualify for the lowest rates in Milwaukee and will probably save quite a bit of money when switching.
Insureds who fall outside the requirements will see a higher premium which results in the customer buying from a different company. If you pay close attention to the ads, they say “people that switch” not “everybody who quotes” will save that much if they switch. This is how companies can state the savings. Because of the profiling, it’s extremely important to compare as many free Milwaukee auto insurance quotes as you can. It’s not possible to predict which insurance company will provide the lowest Honda Civic insurance in Milwaukee.
Find cheaper auto insurance prices by comparing often
Low-cost Honda Civic insurance in Milwaukee is available on the web in addition to local insurance agencies, so you need to shop Milwaukee auto insurance with both to have the best rate selection. Some auto insurance companies don’t offer rates over the internet and these smaller companies sell through local independent agencies.
As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. Too many times, an insured dropped full coverage only to regret that a couple dollars of savings turned into a financial nightmare. The goal is to buy enough coverage at the best price while not skimping on critical coverages.
Helpful learning opportunities
- Teen Driving and Texting (State Farm)
- What Auto Insurance is Cheapest for a Nissan Sentra in Milwaukee? (FAQ)
- Who Has Affordable Milwaukee Auto Insurance Rates for Inexperienced Drivers? (FAQ)
- Who Has Cheap Auto Insurance for High Mileage Drivers in Milwaukee? (FAQ)
- Who Has Cheap Car Insurance Quotes for College Students in Milwaukee? (FAQ)
- Event Data Recorders FAQ (iihs.org)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)