2012 Honda Fit Car Insurance Quotes

Consumers have many options when looking for low-cost Honda Fit insurance. They can either waste time contacting agents to get rate comparisons or utilize the internet to find the lowest rates. There are both good and bad ways to compare insurance coverage rates so you’re going to learn the quickest way to price shop coverage for your Honda and obtain the best price possible either online or from local insurance agents.

You should take the time to price shop coverage at least once a year because insurance rates are constantly changing. If you had the best price on Fit insurance a couple years back you can probably find a better price now. There is a lot of wrong information about insurance coverage online but with this article, you’re going to get the best ways to quit paying high insurance coverage rates.

Policy discounts you shouldn’t miss

Companies offering auto insurance do not advertise all available discounts in an easy-to-find place, so we researched some of the more common as well as the least known car insurance savings. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Distant Student – Children who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Safe Driver Discount – Safe drivers may save up to 50% more on Fit insurance than their less cautious counterparts.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • Early Switch Discount – A few companies offer discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Defensive Driving Course – Taking a defensive driving course could possibly earn you a 5% discount if you qualify.

It’s important to understand that some credits don’t apply to the entire cost. The majority will only reduce specific coverage prices like collision or personal injury protection. So when it seems like it’s possible to get free car insurance, car insurance companies aren’t that generous.

To see a list of insurance companies offering car insurance discounts, click this link.

Insurance Coverage Comparison Rates

There are a variety of methods you can shop for 2012 Honda Fit insurance coverage and some are less labor-intensive and much quicker. You could waste time talking about coverages with insurance agencies in your area, or you could use the web for quick rates.

Many companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and each participating company then gives them pricing based on that information. This system prevents you from having to do quotation requests to each company.

To compare pricing click here to open in new window.

The only downside to using this type of form is that you can’t choose which carriers to get pricing from. If you prefer to choose from a list of companies to request quotes from, we have a listing of insurance coverage companies in your area. View list of insurance companies.

It’s up to you which method you use, but make darn sure you compare the exact same deductibles and coverage limits for each price quote. If you compare mixed coverages it will be very difficult to determine the lowest rate for your Honda Fit.

Why your Honda Fit insurance rates may be high

Smart consumers have a good feel for the factors that play a part in calculating your insurance rates. When you know what positively or negatively determines base rates helps enable you to make changes that could result in better insurance rates.

Shown below are a few of the “ingredients” that factor into premiums.

  • High deductibles save money – Your deductibles represent how much money you are willing to pay before your insurance pays a claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of claims that would be covered are colliding with a building, collision with an animal, and windstorm damage. The more expense the insured has to pay upfront, the bigger discount you will receive on Fit insurance.
  • Marriage brings a discount – Having a spouse actually saves money when buying insurance. It is viewed as being more mature than a single person and it’s proven that drivers who are married are more cautious.
  • Never go without insurance – Driving your car without having proper coverage is a misdemeanor and as a result your rates will increase for letting your coverage lapse. Not only will you pay more, getting caught without coverage can result in a license revocation or jail time.
  • Don’t skimp on liability – Liability insurance is the coverage that protects you if ever you are found liable for damages caused by your negligence. It will provide legal defense coverage starting from day one. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.
  • Women pay lower rates – Statistics show women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Both sexes have accidents in similar percentages, but men tend to have more serious accidents. Men also get more serious tickets like reckless driving and DUI.

Insurance agents can help

When it comes to choosing coverage, there really is not a best way to insure your cars. Every situation is different.

For instance, these questions can help discover if your situation will benefit from professional help.

  • What discounts do I qualify for?
  • Should I buy additional glass protection?
  • Am I covered when driving a rental car?
  • Do I need special endorsements for business use of my vehicle?
  • Does coverage extend to a rental car in a foreign country?
  • Are rock chip repairs covered?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Do you really save 40% when you switch?

Consumers can’t get away from ads for cheaper car insurance from the likes of Allstate and Progressive. All the ads say the same thing of big savings if you change your coverage to them.

How do they all claim to save you money?

All the different companies have a certain “appetite” for the right customer that earns them a profit. A good example of a profitable customer could possibly be over the age of 50, is a homeowner, and drives less than 7,500 miles a year. Any new insured who matches those parameters is entitled to the best price and most likely will save when switching.

Drivers who don’t meet this ideal profile must pay higher rates and this can result in business going elsewhere. The ads state “customers who switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can confidently make those claims. This illustrates why you need to get a wide range of price quotes. It’s impossible to know the company that will have the lowest Honda Fit insurance rates.

Auto insurance specifics

Understanding the coverages of a auto insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as colliding with a tree, hitting a mailbox, sideswiping another vehicle, colliding with another moving vehicle and driving through your garage door. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as EMT expenses, dental work and hospital visits. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Liability coverage

This provides protection from damage that occurs to other people or property in an accident. It 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. 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 a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like emergency aid, pain and suffering, medical services and court costs. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 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. So UM/UIM coverage is important protection for you and your family.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, damage from flooding, theft and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Be a money saver!

Consumers switch companies for many reasons like unfair underwriting practices, denial of a claim, high prices and delays in paying claims. No matter why you want to switch, choosing a new insurance company is pretty easy and you might even save some money in the process.

Budget-conscious 2012 Honda Fit insurance can be found online and with local insurance agents, so you should compare both to have the best selection. A few companies do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

When trying to cut insurance costs, do not reduce coverage to reduce premium. There are many occasions where drivers have reduced collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

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