Car Trim Levels - Does A Higher Trim Mean Higher Insurance Rate?

Cars come in all types and with various features. One important distinction to make when purchasing a car is the trim level. What are car trims? What do they mean for your purchase? Although many people might think that the higher the trim level of a car, the higher the insurance rate will be, yes, true.


But insurance companies consider other factors when pricing your policy, such as driving history, credit score, and even where you live. So, what exactly do car trims include? And which trim should you invest in for yourself and your family? Keep reading this blog by All Star Honda to learn more!


Car Trims And Insurance Rates

Well, the answer to such a question is tricky. In general, the higher the trim level of a car, the more expensive it will be to insure. However, there are other factors that insurance companies take into consideration when pricing your policy. These can include your driving history, credit score, and even where you live.


So, while it's true that, in general, a higher trim level will mean a higher insurance rate, it's not always the case. It's always to speak with your insurance agent to get an accurate quote for your situation.


Now that we've understood whether or not higher car trims levels mean higher insurance rates, let's move on to what car trims are.


What Are Car Trims?

In simple terms, car trims are the different versions of a vehicle offered by the manufacturer. For example, the Honda Civic comes in several trim levels - LX, Sport, EX, and Touring.


Each trim level has its own unique combination of features and options. The LX is the most basic model, while the Touring is the top-of-the-line option with all the good stuff.


Some of the things that can differ between trim levels include:

1. Engine volume & type

2. Safety features

3. Technical specifications

4. Interior and exterior design elements

5. Environment control

6. Infotainment systems


Wisdom Behind Knowing the Trims & Options

When you're at an auto dealership for a new car, it's important to consider which trim level is right for you and your budget.


Here are the benefits you get if you know about car trims and options:

1. You can avoid overspending on features you don't need

2. You can find the perfect combo of features and options to suit your lifestyle

3. You can get test what each trim level has to offer to make a better decision about which trim is right for you.


Since now you know a little more about car trims, we've put together a quick overview of each trim level for the Honda Civic to help you get started.


Honda Civic Trim Levels

The Honda Civic is a compact car that's offered in sedan and coupe body styles. It seats five passengers and has a standard turbocharged 1.5-liter four-cylinder engine that produces 174 horsepower.


1. The Civic LX

It is the base trim of the Civic sedan, and it comes with standard features like 16-inch alloy wheels, LED daytime running & automatic headlights, taillights, automatic climate control, a height-adjustable driver's seat, a 60/40-split folding rear seat, Honda's LaneWatch blind-spot monitor, and a 5-inch infotainment display.


2. The Sports Trim

The Sport trim adds 18-inch alloy wheels, sport cloth upholstery, front sport seats, fog lights, a rear diffuser, an aluminum pedal cover, a leather-wrapped steering wheel and shift knob, remote start (automatic transmission only), and an upgraded 7-inch infotainment display with Apple CarPlay and Android Auto smartphone integration.


3. The Touring Trim

The Touring trim is the range-topping sedan trim. It comes standard with everything in the EX-L trim plus LED headlights, adaptive cruise control, automatic high beams, upgraded LED taillights, front and rear parking sensors, rain-sensing windshield wipers, a wireless phone charger, a 10-speaker premium audio system, and H.D. Radio.


If you're looking for a new 2022 Honda, then look no further than All Star Honda, serving Greenfield, WI. Our inventory of new Honda models has something for everyone. Whether you're looking for a family-friendly SUV like the Honda Pilot or a sporty sedan like the Honda Accord, we have just what you're looking for.

Stop by our auto dealership today & book a test drive.


Our team of experts will be happy to answer any questions you may have and help you find the perfect Honda package for your needs. We look forward to seeing you soon!