Lower Your 2014 Honda Fit EV Car Insurance Quotes

Locating low-cost insurance for a Honda Fit EV could be difficult, but you can learn the following methods to save time. There are more efficient ways to find car insurance online so you’re going to learn the quickest way to compare rates on a Honda and obtain the best price possible from both online companies and local agents.

Insurance policy discounts

Some insurance providers don’t necessarily list every policy discount in an easy-to-find place, so the list below details some of the more common as well as some of the hidden discounts that you can inquire about if you buy car insurance online. If you’re not getting every credit available, it’s possible you qualify for a lower rate.

• E-sign – A handful of insurance companies will provide an incentive shop car insurance on their website.
• Full Payment Discount – If you pay your bill all at once instead of monthly or quarterly installments you can avoid the installment charge.
• Passive Restraints – Factory options such as air bags or motorized seat belts can get savings of up to 25% or more.
• Auto/Life Discount – Select insurance companies reward you with better prices if you take out a life insurance policy as well.
• Defensive Driver Discounts – Completing a safe driver class could save 5% or more and also improve your driving technique.
• Multiple Vehicles – Buying coverage for more than one vehicle with one company can reduce rates for all insured vehicles.

Policy discounts save money, but most discount credits are not given the the whole policy. Most cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, insurance companies aren’t that generous.

Some of the larger companies that may offer these discounts possibly include:

• Geico
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

When comparing rates, check with every insurance company to give you their best rates. Some discounts may not be offered in your area. If you would like to see a list of insurance companies offering insurance discounts, click this link.

How do I know if I need professional advice?

When it comes to buying adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

These are some specific questions may help you determine if you may require specific advice.

• Am I covered if my car is in a flood?
• Does coverage extend to Mexico or Canada?
• Does my insurance cover a custom paint job?
• How can I get high-risk coverage after a DUI?
• Do I need roadside assistance coverage?
• Who is covered when they drive my 2014 Honda Fit EV?
• Do I need special endorsements for business use of my vehicle?
• Which is better, split liability limits or combined limits?
• Will I be non-renewed for getting a DUI or other conviction?
• What is the rate difference between pleasure use and commuting?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Specific coverages for a 2014 Honda Fit EV

Having a good grasp of insurance aids in choosing the best coverages for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Collision coverage – This coverage covers damage to your Fit EV caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as damaging your car on a curb, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, hitting a bird, theft and hitting a deer. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Honda Fit EV.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Liability – This coverage will cover damages or injuries you inflict on other people or property. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers claims like medical services, structural damage, legal defense fees and emergency aid. How much coverage you buy is a personal decision, but buy higher limits if possible.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for bills for rehabilitation expenses, dental work and nursing services. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Coverage on a shoestring budget

When searching for cheaper car insurance quotes, never skimp on coverage in order to save money. In too many instances, someone dropped uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage at the best cost, but do not skimp to save money.

There are still a few companies who may not have price quotes online and most of the time these small, regional companies prefer to sell through local independent agents. Affordable 2014 Honda Fit EV insurance is available on the web as well as from insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money.

Consumers switch companies for many reasons like delays in paying claims, not issuing a premium refund, unfair underwriting practices and even extreme rates for teen drivers. Whatever your reason, switching car insurance companies is easier than you think.

Additional information can be read at the links below

• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• Speed and Speed Limit FAQ (iihs.org)
• Auto Theft Statistics (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)