Cheap 2018 Honda Fit Insurance Quotes

Finding cheaper Driversinsurance is quite difficult for beginners to quoting coverage rates online. You have so many options that it can turn into more work than you anticipated to compare prices.

Low cost insurance coverage quotes online

The are a couple different ways to compare prices from companies that offer insurance coverage in your state. By far the easiest way to lower the rate you pay for 2018 Honda Fit insurance is to jump online and get quotes. This can be done in a couple of different ways.

The fastest way consumers can analyze rates is a comparison rater form (click to open form in new window). This type of form keeps you from doing separate quotation requests for every insurance coverage company. One form will get you price quotes from several companies. Recommended for those who want to invest the least amount of time.

A harder way to analyze rates requires a visit to the website for each individual company to complete a price quote. For example, let’s say you want to see prices from Progressive, 21st Century and GMAC. To do that, you would have to visit each site and repeatedly enter your information, which can get rather old. For a list of links to companies insuring cars in your area, click here.

The approach you take is up to you, just ensure you’re using equivalent coverages on every quote you get. If you have different data it’s impossible to find the best deal for your Honda Fit. Just a small difference in insurance coverages can make a big difference in price. Just remember that comparing a large number of companies provides better odds of finding more affordable insurance. Not every company does online price quotes, so you need to compare quotes from them, too.

Insurance coverage advertising gotchas

Well-known insurance coverage companies like State Farm and Allstate consistently run ads in print and on television. They all seem to tend to make the same promise about saving some big amount if you switch your coverage to them. But how can every company charge you a lower premium? It’s all in how they say it.

Most companies give the best rates for the type of driver that earns them the most money. A good example of this type of driver may be over the age of 50, insures multiple vehicles, and the vehicle is rated for pleasure use. Any new insured who matches that profile will get very good rates and will save if they switch.

Drivers who do not meet the requirements will see more expensive rates and ends up with the customer buying from someone else. If you pay attention, the ads say “drivers who switch” but not “everyone who gets a quote” will save that much if they switch. This is how companies can truthfully make those claims.

This emphasizes why you absolutely need to compare price quotes frequently. Because you never know which insurance companies will have the best car insurance rates.

Why you might pay lower rates

Lots of things are taken into consideration when you quote your car insurance policy. Some of the criteria are obvious like your driving record, but others are not as apparent such as whether you are married and annual miles driven.It’s important that you understand some of the factors that help calculate auto insurance rates. If you know what impacts premium levels, this enables informed choices that can help you get lower premium levels.

• More miles equals more premium – The more you drive your Honda in a year the higher your rates will be. The majority of insurers charge rates based upon how the vehicle is primarily used. Cars that do not get driven very much can be on a lower rate level than vehicles that have high annual mileage. An incorrectly rated Fit may be costing you. Double check that your auto insurance policy is showing the right rating data.
• Guys pay higher costs – Statistics show that women are safer drivers than men. It does not mean women are better drivers. Females and males tend to get into at-fault accidents in similar numbers, but guys cause more damage and cost insurance companies more money. Men also tend to get higher numbers of serious violations like DWI (DUI) or reckless driving. Male teenagers are the most expensive to insure and thus pay the highest rates.
• Do you work long hours in a stressful occupation? – Do you have a high-stress occupation? Jobs like real estate brokersairline pilots and emergency personnel generally have higher premium rates attributed to intense work requirements and lots of time spent away from family. On the other hand, occupations like actors, engineers and the unemployed have the lowest average rates for Fit coverage.
• Save money by raising coverage deductibles – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Honda. Examples of some claims that would be covered could be a broken windshield, hail damage, and having your car stolen. Deductibles for physical damage are how much the insured will be required to pay if a covered claim is submitted. The higher the amount the insured has to pay upfront, the bigger discount you will receive for Fit coverage.
• Little extras can really add up – There are a ton of add-on coverages that sound like a good idea at the time if you don’t pay attention. Insurance for things like rental car reimbursement, towing coverage, and extra life insurance coverage may be costing you every month. You may think they are a good idea at first, but if you don’t need them consider taking them off your policy.
• Your age impacts your rates – More experienced drivers are proven to be safer behind the wheel, file fewer claims and get fewer tickets.Youthful drivers are statistically proven to be inattentive when driving therefore auto insurance rates are much higher.
• Qualify for multi-policy discounts – The majority of insurance companies apply discounts to policyholders who buy several policies from them in the form of a multi-policy discount. Even if you qualify for this discount already, it’s always a smart idea to check prices from other companies to verify if the discount is saving money.There is a good possibility that you can save even more even if you insure with multiple companies

Discounts for cheaper insurance coverage rates

Insurance can be prohibitively expensive, but you may find discounts that could help you make your next renewal payment. Some discounts apply automatically at the time you complete a quote, but some may not be applied and must be asked about in order for you to get them.

• Defensive Driver Discount – Taking part in a course in driver safety could save 5% or more if your company offers it.
• Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions and will save you 10% or more.
• Discounts for Government Workers – Federal government employees could qualify for a slight premium decrease for Fit coverage with certain companies.
• Safety Restraint Discount – Drivers who require all occupants to buckle up could cut 10% or more off the medical payments premium.
• Low Mileage Discounts – Low annual miles could earn cheaper rates.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire cost. A few only apply to individual premiums such as medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, that’s just not realistic.

Companies and a partial list of their discounts can be read below.

• Farm Bureau offers discounts including multi-policy, 55 and retired, youthful driver, driver training, and renewal discount.
• State Farm has savings for student away at school, multiple policy, good driver, multiple autos, safe vehicle, and Drive Safe & Save.
• Progressive may offer discounts for online signing, multi-policy, continuous coverage, homeowner, multi-vehicle, and online quote discount.
• Allstate includes discounts for farm vehicle, good student, defensive driver, economy car, EZ pay plan discount, and multi-policy.
• Nationwide policyholders can earn discounts including defensive driving, good student, family plan, anti-theft, easy pay, accident-free, and multi-policy.
• MetLife offers discounts for good driver, multi-policy, claim-free, accident-free, defensive driver, good student

Check with each insurance company which discounts they offer. Discounts may not be offered in your area. For a list of insurers with significant discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to buying coverage, there really is not a best way to insure your cars. Each situation is unique.

For instance, these questions can aid in determining if your insurance needs might need professional guidance.

• Where can I get insurance after a DUI in my state?
• Is borrowed equipment or tools covered if stolen or damaged?
• How high should my uninsured/underinsured coverage be in my state?
• Should I have a commercial auto policy?
• Am I better off with higher deductibles on my 2018 Honda Fit?
• Does coverage extend to my business vehicle?
• How much underlying liability do I need for an umbrella policy?
• Is pleasure use cheaper than using my 2018 Honda Fit to commute?
• Is motorclub coverage worth it?
• Can my teen driver be rated on a liability-only vehicle?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Auto insurance coverages

Knowing the specifics of your auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Medical payments and PIP coverage – Med pay and PIP coverage pay for bills such as doctor visits, prosthetic devices, rehabilitation expenses, dental work and X-ray expenses. They can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Liability auto insurance – Liability insurance protects you from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like structural damage, repair bills for other people’s vehicles, emergency aid and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2018 Honda Fit.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Collision coverages – This pays for damage to your Fit resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a ditch, hitting a mailbox, backing into a parked car, hitting a parking meter and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hail damage, damage from getting keyed, fire damage, a broken windshield and hitting a deer. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Quote more. Save more.

Throughout this article, we presented a lot of tips how to save on 2018 Honda Fit insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your premium rates. Consumers may even find the best car insurance rates are with an unexpected company.

As you restructure your insurance plan, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage for the lowest cost, not the least amount of coverage.

Discount 2018 Honda Fit insurance is possible from both online companies and from local insurance agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who may not provide online quoting and many times these regional carriers only sell coverage through independent insurance agencies.

More resources

• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)