2018 Honda Fit Car Insurance Quotes – 5 Policy Discounts

Searching for lower car insurance rates for your Honda Fit? Locating low-cost insurance for a Honda Fit could be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to shop for car insurance so you’re going to learn the proper way to compare rates for a new or used Honda and obtain the best price possible from both online companies and local agents.

You should take the time to get comparison quotes periodically due to the fact that insurance rates trend upward over time. Even if you think you had the best rate for Fit insurance on your last policy there is a good chance you can find better prices now. You’ll find a ton of advice on car insurance out there, but by reading this article, you’re going to learn the best ways to lower your car insurance premiums.

Choosing the best insurance company for you is not that difficult. If you are insured now or are just looking to switch companies, you will benefit by learning to get lower rates while maintaining coverages. Consumers just need to know the proper way to get comparison rates online.

Lower rate quotes by earning these five discounts

Car insurance companies don’t always advertise every policy discount very clearly, so the list below details some of the best known as well as the least known discounts that you can inquire about if you buy car insurance online.

  • Bundle and Save – If you combine your home and auto policies with the same insurance company they may give you a discount of 10% to 20% off each policy.
  • Club Memberships – Participating in a qualifying organization can get you a small discount on your bill.
  • Government Employee Discount – Being employed by or retired from a federal job may qualify for a discount when you quote car insurance for Fit insurance with a few car insurance companies.
  • Military Deployment Discount – Being deployed in the military could trigger a small discount.
  • Drivers Ed for Students – Cut your cost by having your teen driver sucessfully take a drivers education course in high school.

As a footnote on discounts, most credits do not apply to the entire policy premium. Most only reduce individual premiums such as collision or personal injury protection. If you do the math and it seems like all those discounts means the company will pay you, you aren’t that lucky.

To choose insurers with the best discounts, click this link.

How to get free insurance coverage quotes online

Finding low cost insurance coverage rates doesn’t have to be difficult. You just need to spend a little time to compare rate quotes to see which company has cheap car insurance quotes. This can easily be done by using one of the methods below.

  1. The most recommended method to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This easy form eliminates the need for repetitive form entry for every prospective company. One quote request will get you price quotes from many national carriers. It’s the fastest way to compare.
  2. A less efficient way to compare rate quotes is to take the time to go to each company’s website and repeat the quote process again and again. For examples sake, let’s say you need rates from Progressive, Farmers and Allstate. To do that, you would have to visit each site and repeatedly enter your information, which explains why we recommend starting with the first method.

    For a list of links to insurance companies in your area, click here.

  3. The hardest way to compare price estimates is to waste gas driving to each insurance agency near you. The ability to buy insurance online reduces the need to sit down with an agent unless you want the personal advice of a local agency. If you prefer, some companies allow you to price shop your coverage online but buy from a local insurance agent.

Which method you use is up to you, but make sure you compare the exact same coverage limits and deductibles for every quote you compare. If you are comparing different limits and deductibles on each one it’s impossible to determine the lowest rate for your Honda Fit.

Your insurance coverage coverage should be tailored to you

When buying the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Every insured’s situation is different.

These are some specific questions may help you determine if you might need an agent’s assistance.

  • When can my company non-renew my policy?
  • What if I owe more than I can insure my car for?
  • How much liability coverage do I need in my state?
  • What is covered by UM/UIM coverage?
  • Is rental equipment covered for theft or damage?
  • Am I insured when driving a different vehicle?
  • I have a DUI can I still get coverage?
  • What discounts do I qualify for?
  • Do I need an umbrella policy?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.

Auto insurance coverages

Having a good grasp of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Liability – Liability insurance protects you from damage that occurs to people or other property by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as court costs, medical expenses, funeral expenses, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Collision – This covers damage to your Fit resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like backing into a parked car, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive insurance – Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, damage from a tornado or hurricane and a broken windshield. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – This gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses – Med pay and PIP coverage provide coverage for short-term medical expenses for things like pain medications, EMT expenses, nursing services, funeral costs and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Be a money saver!

In this article, we presented quite a bit of information on how to lower your 2018 Honda Fit insurance prices. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the best price on auto insurance is with a small mutual company.

Lower-priced auto insurance is available online and from local agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. Some auto insurance companies may not offer price quotes online and these regional carriers provide coverage only through independent agents.

As you shop your coverage around, it’s very important that you do not skimp on coverage in order to save money. In too many instances, an insured cut liability coverage limits to discover at claim time that it was a big error on their part. Your goal is to buy a smart amount of coverage at the best cost but still have enough coverage for asset protection.

More tips and info about auto insurance is available in these articles: