2013 Honda Fit EV Insurance Quotes

Shopping for budget-priced auto insurance might seem intimidating for vehicle owners that are not comfortable with quoting and online price comparisons. With such a large choice of insurance companies available, how can anyone efficiently compare the different rates to find better auto insurance prices?

You should take the time to do rate comparisons yearly since prices are usually higher with each renewal. Just because you found the lowest rates for Fit EV coverage a year ago you may be paying too much now. Forget all the misinformation about auto insurance because you’re about to find out how to use the internet to find great coverage at a great price.

The purpose of this post is to let you in on how car insurance quotes work. If you currently have a car insurance policy, you will be able to lower your premiums substantially using these tips. Although consumers do need to understand how insurance companies sell online and apply this information to your search.

How to compare car insurance rate quotes

There are multiple methods to shop for car insurance, but some are more efficient than others. You could waste time talking to agents in your area, or you could use the internet to quickly compare rates.

The majority of car insurance companies enroll in a system where insurance shoppers enter their coverage request one time, and each company returns a competitive quote based on that data. This eliminates the need for quote requests for each company you want a rate for.

To compare rates now click here to start a free quote.

The only drawback to getting quotes like this is you don’t know exactly the companies you will receive quotes from. So if you want to choose specific providers to receive pricing from, we have assembled a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just make sure you use nearly identical deductibles and coverage limits on every quote. If the quotes have different deductibles it will be impossible to find the best deal for your Honda Fit EV. Quoting even small variations in coverages may result in large price differences. It’s important to know that obtaining a wide range of quotes helps improve the odds of finding better pricing.

Insurance Coverage Discounts

Some companies do not list the complete list of policy discounts in a way that’s easy to find, so we break down a few of the more well known and also the more inconspicuous discounts that you can inquire about if you buy insurance coverage online.

• Life Insurance Discount – Insurance coverage companies who offer life insurance give better prices if you take out some life insurance too.
• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving could cut 10% or more off the personal injury premium cost.
• Low Miles Discount – Driving fewer miles can earn slightly better prices than normal.
• Organization Discounts – Having an affiliation with qualifying clubs or civic groups is a good way to get lower rates on your policy.
• Telematics Discount – Drivers who elect to allow their insurance coverage company to track driving manner by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they have good driving habits.
• Claim-Free Discount – Drivers with accident-free driving histories get the best insurance coverage rates in comparison with drivers who are more careless.
• Driver Training Discounts – Passing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
• Theft Deterent Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and that can save you a little bit as well.
• Anti-lock Brake Discount – Cars with ABS braking systems or traction control can avoid accidents and the ABS can save up to 10%.

Drivers should understand that most discounts do not apply the the whole policy. The majority will only reduce individual premiums such as comp or med pay. Even though it appears you can get free auto insurance, you’re out of luck.

Companies that may offer quotes with most of these discounts include:

• State Farm
• Progressive
• Progressive
• MetLife
• Farm Bureau
• Geico
• SAFECO

When comparing rates, check with every insurance company the best way to save money. Some discounts might not be offered in your area. If you would like to view insurance companies with discount rates, click here to view.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage, there really is not a single plan that fits everyone. Every situation is different.

For instance, these questions might help in determining whether or not you would benefit from professional advice.

• Are split liability limits better than a combined single limit?
• If my pet gets injured in an accident are they covered?
• How much underlying liability do I need for an umbrella policy?
• Am I missing any policy discounts?
• Should I bundle my homeowners policy with my auto?
• What are the best liability limits?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance coverage considerations

Knowing the specifics of car insurance helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2013 Honda Fit EV.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Collision coverage protection

Collision insurance pays for damage to your Fit EV from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like damaging your car on a curb, colliding with a tree, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive car insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from getting keyed, hail damage, a tree branch falling on your vehicle and fire damage. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses like prosthetic devices, ambulance fees, hospital visits and chiropractic care. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability insurance

Liability coverage protects you from injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims like bail bonds, medical expenses, repair costs for stationary objects, funeral expenses and pain and suffering. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Make an honest buck

Lower-priced car insurance is attainable both online and from local agencies, so you need to shop insurance coverage with both in order to have the best price selection to choose from. Some insurance providers do not offer rate quotes online and many times these regional carriers only sell coverage through local independent agencies.

People change insurance companies for many reasons like policy cancellation, unfair underwriting practices, poor customer service and denial of a claim. Regardless of your reason, choosing a new insurance company is not as difficult as it may seem.

When getting insurance coverage quotes online, it’s a bad idea to skimp on coverage in order to save money. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits only to discover later that it was a big error on their part. The proper strategy is to get the best coverage possible at the best price, but do not skimp to save money.

More detailed car insurance information is available in the articles below:

• State Car Insurance Guides (Geico)
• Prom Night Tips for Teen Drivers (State Farm)
• Young Drivers: The High Risk Years Video (iihs.org)
• Anti-Lock Brake FAQ (iihs.org)
• Preventing Carjacking and Theft (Insurance Information Insitute)