Insurance rates Honda Civic in CheyenneHow many times have you told yourself to find the cheapest insurance rates in Cheyenne, WY? Cheyenne drivers have lots of choices when trying to find the best price on Honda Civic insurance. They can either spend hours struggling with agents trying to get quotes or save time using the internet to make rate comparisons. There is a better way to compare insurance rates and you need to know the best way to price shop coverage for a new or used Honda and locate the lowest price from Cheyenne insurance agents and online providers.

Smart consumers take time to compare premium rates once or twice a year since prices are usually higher with each renewal. Even if you think you had the best rates on Honda Civic insurance in Cheyenne last year you can probably find a better rate quote now. Ignore everything you know about insurance because you're about to learn one of the best ways to save on insurance.

Do you qualify for discounts?

Car insurance can be pricey, but you may find discounts to reduce the price significantly. Certain credits will be shown when you get a quote, but some must be specially asked for prior to receiving the credit.Save money with discounts

Remember that many deductions do not apply to the entire cost. Most only cut specific coverage prices like liability and collision coverage. So when it seems like you can get free auto insurance, car insurance companies aren't that generous. But any discount should help reduce the amount you have to pay.

Large car insurance companies and some of the premium reductions they offer can be read below.

When getting free Cheyenne auto insurance quotes, it's a good idea to each company or agent which discounts they offer. Some of the earlier mentioned discounts may not be offered in Cheyenne. For a list of companies with the best Honda Civic insurance discounts in Cheyenne, follow this link.

Finding Honda Civic insurance in Cheyenne

The companies shown below provide quotes in Wyoming. If multiple companies are listed, we recommend you visit as many as you can in order to get a fair rate comparison.

Honda Civic Insurance Rates in Cheyenne, WY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $168 $388 $404 $24 $122 $1,106 $92
Civic VP 4-Dr Sedan $208 $538 $404 $24 $122 $1,296 $108
Civic LX 4-Dr Sedan $128 $356 $404 $24 $122 $1,034 $86
Civic DX 2-Dr Coupe $258 $742 $582 $34 $174 $1,790 $149
Civic EX 4-Dr Sedan $224 $444 $470 $28 $140 $1,306 $109
Civic LX-S 4-Dr Sedan $170 $346 $470 $28 $140 $1,154 $96
Civic LX 2-Dr Coupe $188 $538 $430 $26 $128 $1,310 $109
Civic EX-L 4-Dr Sedan $164 $450 $466 $28 $140 $1,248 $104
Civic SI 4-Dr Sedan $316 $632 $470 $28 $140 $1,586 $132
Civic EX 2-Dr Coupe $252 $582 $462 $28 $138 $1,462 $122
Civic GX 4-Dr Sedan $194 $398 $470 $28 $140 $1,230 $103
Civic EX-L 2-Dr Coupe $194 $500 $470 $28 $140 $1,332 $111
Civic Hybrid 4-Dr Sedan $254 $444 $358 $22 $108 $1,186 $99
Civic SI 2-Dr Coupe $300 $838 $470 $28 $140 $1,776 $148
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Wyoming minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Premium costs do not factor in Cheyenne location which can modify premium rates noticeably.

Deductible analysis

One common question asked by Cheyenne drivers is how high should the deductibles for physical damage be. The comparison tables below can help you visualize how much more you'll pay of buying low and high physical damage coverage deductibles. The first table uses a $250 deductible for comp and collision and the second data table uses a $1,000 deductible.

Honda Civic insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $242 $466 $358 $22 $108 $1,221 $102
Civic VP 4-Dr Sedan $242 $550 $358 $22 $108 $1,305 $109
Civic LX 4-Dr Sedan $242 $550 $358 $22 $108 $1,305 $109
Civic DX 2-Dr Coupe $242 $550 $448 $26 $134 $1,425 $119
Civic EX 4-Dr Sedan $242 $550 $358 $22 $108 $1,305 $109
Civic LX-S 4-Dr Sedan $242 $550 $358 $22 $108 $1,305 $109
Civic LX 2-Dr Coupe $242 $632 $448 $26 $134 $1,507 $126
Civic EX-L 4-Dr Sedan $276 $632 $358 $22 $108 $1,421 $118
Civic SI 4-Dr Sedan $276 $632 $358 $22 $108 $1,421 $118
Civic EX 2-Dr Coupe $276 $632 $448 $26 $134 $1,541 $128
Civic GX 4-Dr Sedan $276 $632 $358 $22 $108 $1,421 $118
Civic EX-L 2-Dr Coupe $276 $632 $448 $26 $134 $1,541 $128
Civic Hybrid 4-Dr Sedan $312 $550 $358 $22 $108 $1,375 $115
Civic SI 2-Dr Coupe $312 $716 $448 $26 $134 $1,661 $138
Get Your Own Custom Quote Go
Honda Civic insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $150 $294 $358 $22 $108 $932 $78
Civic VP 4-Dr Sedan $150 $346 $358 $22 $108 $984 $82
Civic LX 4-Dr Sedan $150 $346 $358 $22 $108 $984 $82
Civic DX 2-Dr Coupe $150 $346 $448 $26 $134 $1,104 $92
Civic EX 4-Dr Sedan $150 $346 $358 $22 $108 $984 $82
Civic LX-S 4-Dr Sedan $150 $346 $358 $22 $108 $984 $82
Civic LX 2-Dr Coupe $150 $398 $448 $26 $134 $1,156 $96
Civic EX-L 4-Dr Sedan $172 $398 $358 $22 $108 $1,058 $88
Civic SI 4-Dr Sedan $172 $398 $358 $22 $108 $1,058 $88
Civic EX 2-Dr Coupe $172 $398 $448 $26 $134 $1,178 $98
Civic GX 4-Dr Sedan $172 $398 $358 $22 $108 $1,058 $88
Civic EX-L 2-Dr Coupe $172 $398 $448 $26 $134 $1,178 $98
Civic Hybrid 4-Dr Sedan $194 $346 $358 $22 $108 $1,028 $86
Civic SI 2-Dr Coupe $194 $450 $448 $26 $134 $1,252 $104
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Wyoming minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rates do not factor in specific location information which can affect insurance rates noticeably.

Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $29 more each month or $348 each year than choosing the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 26 months between claim filings, you would come out ahead if you elect the higher deductible.

How careless driving impacts car insurance rates

The chart below highlights how traffic violations and accidents can influence Honda Civic insurance premiums for different age groups. Data assumes a married female driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.

Independent versus exclusive insurance agencies

A small number of people just want to get advice from a local agent and doing so can bring peace of mind Professional agents can help determine the best coverages and will help you if you have claims. One of the great benefits of getting free rate quotes online is that drivers can save money and get the lowest rates and still have an agent to talk to.

Insurance agency in CheyenneUpon completion of this simple form, the quote information is instantly submitted to local insurance agents in Cheyenne who will gladly provide quotes for your auto insurance coverage. You don't have to contact any insurance agencies since price quotes are sent directly to you. If you wish to compare prices from one company in particular, you would need to navigate to their website and give them your coverage information.

Finding a good provider should depend on more than just a low price. These are some valid questions you should ask.

What type of Cheyenne car insurance agent is right for you?

If you're trying to find an insurance agent, there are two different types of agencies and how they work. Auto insurance policy providers can be categorized as either exclusive agents or independent agents. Either one can insure your vehicles properly, but it's good to learn how they differ because it may have an impact on the kind of agent you use.

Exclusive Agents

Exclusive agents write business for a single company and examples are State Farm, Allstate and AAA. They usually cannot provide rate quotes from other companies so you might not find the best rates. Exclusive insurance agents are usually quite knowledgeable on the products they sell which helps overcome the inability to quote other rates. Consumers often buy insurance from these agents partially due to the brand legacy and strong financial ratings.

Listed below is a short list of exclusive agents in Cheyenne that can give you price quotes.

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Independent Insurance Agents

Independent agencies do not write with just one company so they can quote policies through lots of different companies and find the cheapest auto insurance rates. If premiums increase, they simply move the coverage in-house and you don't have to switch agencies. If you need cheaper auto insurance rates, it's a good idea to compare quotes from at least one independent agent to get the most accurate price comparison. Many independent agencies also insure through lesser-known insurance companies that may have much lower rates than larger companies.

Below are independent insurance agents in Cheyenne willing to provide comparison quotes.

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After receiving reasonable responses to any questions you have and an acceptable price quote, you may have found a car insurance agent that meets the criteria to properly insure your vehicles.

Affordable car insurance rates are possible

Insureds switch companies for many reasons like questionable increases in premium, an unsatisfactory settlement offer, high rates after DUI convictions and even being labeled a high risk driver. Whatever your reason, choosing a new company is easier than you think.

We covered some good ideas how you can compare Honda Civic insurance premium rates in Cheyenne. The key thing to remember is the more companies you get prices for, the better your chances of lowering your prices. You may even be surprised to find that the lowest premium rates are with a company that doesn't do a lot of advertising.

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage at an affordable rate, but don't skip important coverages to save money.

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