Compare 2013 Honda Fit Insurance Rates

Trying to find cheaper auto insurance rates? Buyers have lots of choices when searching for the best price on Honda Fit insurance. You can either spend your time struggling with agents trying to get quotes or save time using the internet to get rate quotes. There are more efficient ways to buy auto insurance so we’re going to tell you the best way to quote coverages for a Honda and locate the lowest possible price from both online companies and local agents.

Drivers save money with with these discounts

The price of auto insurance can be rather high, but you might find some hidden discounts to help bring down the price. Certain discounts will be applied at quote time, but occassionally some discounts must be specially asked for before you will receive the discount.

• One Accident Forgiven – but companies like Geico and Liberty Mutual will forgive one accident before hitting you with a surcharge if you are claim-free prior to being involved in the accident.
• Homeowners Savings – Owning a house can get you a discount because of the fact that having a home is proof of financial responsibility.
• Discount for Good Grades – Performing well in school may save you up to 25%. You can use this discount normally well after school through age 25.
• E-sign – Certain companies will discount your bill up to fifty bucks for buying your policy on your computer.
• Senior Citizen Discount – Seniors are able to get a slight reduction on a auto insurance quote on Fit insurance.
• Discounts for Responsible Drivers – Drivers who avoid accidents could pay up to 40% less on Fit insurance compared to accident prone drivers.
• Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.
• Discounts for Seat Belt Usage – Forcing all vehicle occupants to fasten their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
• ABS Brakes – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
• Claim-Free Discount – Drivers who stay claim-free pay less compared to frequent claim filers.

As is typical with insurance, most of the big mark downs will not be given to the entire policy premium. Most cut individual premiums such as liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, nobody gets a free ride.

A partial list of companies that may offer policyholders these benefits are:

• State Farm
• American Family
• Geico
• 21st Century
• Progressive

Before purchasing a policy, check with all the companies to apply every possible discount. Discounts might not be offered on policies in your area.

How to buy insurance coverage online

Most companies give price estimates on the web. Getting prices online is easy for anyone as you simply type in your personal and coverage information into the form. When the form is submitted, their system obtains your driving and credit reports and gives you a price quote.

Quoting online streamlines rate comparisons, but the work required to visit each company’s website and repetitively complete many quote forms can get tiresome after awhile. But it’s necessary to get many rate quotes in order to find the lowest price.

The easiest way to get multiple rate quotes uses just one form to obtain quotes from a lot of companies. It’s a real time-saver, eliminates form submissions, and makes comparison shopping a lot less work. After sending the form, it is rated and you are able to buy your choice of the returned quotes. If you find a better price you can click and sign and buy the new coverage. This process takes just a few minutes to complete and could lower your rates considerably.

In order to compare rates using this form now, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you copy the insurance coverages exactly as they are listed on your policy. This way, you’re receiving rate quotes based on the exact same insurance coverage.

Lower your insurance premiums

Lots of factors are part of the calculation when you get a price on insurance. Some are obvious like a motor vehicle report, but other criteria are not as apparent like your continuous coverage and annual miles driven.

The items below are a few of the “ingredients” used by companies to determine your premiums.

• Always keep your policy in force – Having a lapse in insurance coverage can be a sure-fire way to increase your renewal premiums. And not only will insurance be more expensive, not being able to provide proof of insurance can result in a license revocation or jail time.
• How many miles do you drive? – The more you drive your Honda in a year’s time the more you’ll pay to insure it. A lot of insurance companies charge rates based upon how the vehicle is primarily used. Vehicles used primarily for pleasure use can be on a lower rate level compared to those used for work or business. Having the wrong rating on your Fit may be costing you. Ask your agent if your insurance coverage policy is rated on annual mileage, because improper ratings can cost you money.
• Job impacts premiums – Careers like military personnel, social workers and emergency personnel tend to have the highest rates attributed to intense work requirements and long work hours. On the other hand, occupations such as actors, engineers and homemakers have lower than average premiums on Fit insurance.
• Additional coverages that may be costing you – There are a lot of optional add-on coverages that you can get tricked into buying on your insurance coverage policy. Coverage for things like roadside assistance, accident forgiveness, and extra life insurance coverage could be just wasting money. These coverages may sound good when discussing your needs, but if you’ve never needed them in the past remove them from your policy.
• Cut prices and deter theft – Purchasing a vehicle with an alarm system can get you a discount on your insurance coverage. Theft deterrent systems like OnStar, LoJack tracking, and tamper alarms all aid in stopping car theft.
• Stay claim-free and save – If you are the type of insured that files lots of claims you can expect either a policy non-renewal or much higher rates. Insurance companies award discounts to people that do not abuse their auto insurance. Your car insurance is designed for larger claims.
• Rates and your address – Having an address in small towns and rural areas is a good thing when shopping for auto insurance. Urban drivers regularly have more auto accidents and much longer commute distances. Less people living in that area translates into fewer accidents.
• Bad credit will cost you – Having a good credit score is likely to be a major factor in determining your rates. If your credit score can use some improvement, you could pay less to insure your 2013 Honda Fit by spending a little time repairing your credit. Insureds with excellent credit scores tend to be better drivers and file fewer claims than drivers who have poor credit scores.

Your situation helps dictate your coverage

When it comes to choosing proper insurance coverage, there is no single plan that fits everyone. Every situation is different.

For instance, these questions may help highlight if you would benefit from an agent’s advice.

• Should I get collision insurance on every vehicle?
• Does my car insurance cover rental cars?
• How high should deductibles be on a 2013 Honda Fit?
• Will I lose any money if I cancel my policy before it expires?
• Should I buy more coverage than the required minimum liability coverage?
• Why am I required to buy high-risk coverage?
• Does insurance cover tools stolen from my truck?
• What are the best liability limits?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Car insurance coverages for a Honda Fit

Knowing the specifics of your car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Collision coverage

Collision coverage will pay to fix damage to your Fit caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as backing into a parked car, colliding with a tree, crashing into a building and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for prosthetic devices, X-ray expenses, ambulance fees, hospital visits and pain medications. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability

This coverage provides protection from damage that occurs to other people or property that is your fault. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for claims such as repair bills for other people’s vehicles, attorney fees, bail bonds and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

UM/UIM Coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Comprehensive or Other Than Collision

This covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, vandalism, a tree branch falling on your vehicle and hail damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Final thoughts

More affordable insurance is available from both online companies as well as from independent agents, so you need to quote auto insurance with both to have the best selection. A few companies may not provide online rate quotes and usually these regional insurance providers work with independent agencies.

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. Too many times, an insured cut full coverage only to regret at claim time they didn’t purchase enough coverage. Your objective should be to purchase plenty of coverage for the lowest cost, but don’t skip important coverages to save money.

Throughout this article, we presented a lot of information how to shop for 2013 Honda Fit insurance online. It’s most important to understand that the more companies you get prices for, the higher your chance of finding low cost auto insurance. You may even discover the best price on insurance is with a small local company.

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