How Much Does 2009 Honda Fit Insurance Cost?

Think you have an expensive car insurance policy? It’s a common feeling and many drivers feel the same as you. Lots of insurers contend to insure your vehicles, so it’s not easy to compare every insurer and uncover the absolute cheapest price

Consumers need to check car insurance prices occasionally because insurance rates trend upward over time. Even if you got the best deal on Fit insurance on your last policy there is a good chance you can find better prices now. Forget all the misinformation about car insurance because you’re about to learn how to use online quotes to reduce your cost while improving coverage.

How to get auto insurance rate quotes

Finding cheaper 2009 Honda Fit auto insurance rates can be quick and easy. Just take a few minutes comparing rates from some recommended companies. This can be done in just a few minutes using one of these methods.

  1. If you are pressed for time, the simplest way to find low rates would be an industry-wide quote request form like this one (opens in new window). This form prevents you from having to do separate quote forms for each price estimate. A single form gets you price quotes from several companies.
  2. A more difficult way to find lower rates requires visiting the website for every company you want to comare and go through the quote process again. For example, we’ll pretend you want to get rates from Progressive, State Farm and Farmers. You would need to take the time to go to each site and type in your information over and over, which is why the first method is quicker. To view a list of companies in your area, click here.
  3. The hardest way to compare rates is going to insurance agencies in your area. The ability to quote online makes this unnecessary unless you require the professional guidance of a licensed agent. Although you can price shop online and have a local agent actually service the policy.

You can use whichever method you prefer to find lower rates, just be sure to compare exactly the same deductibles and coverage limits with every price quote. If you compare unequal deductibles or liability limits it will be nearly impossible to make a fair comparison for your Honda Fit.

Tailor your auto insurance coverage to you

When choosing adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different so this has to be addressed. For example, these questions could help you determine whether you might need professional guidance.

  • How can I get my company to pay me more for my totalled car?
  • Is my camper covered by my car insurance policy?
  • What can I do if my company denied a claim?
  • Am I covered if I hit a deer?
  • How does medical payments coverage work?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Will I be non-renewed for getting a DUI or other conviction?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It is quick, free and you can get the answers you need.

Auto insurance coverage breakdown

Having a good grasp of auto insurance helps when choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and reading a policy is terribly boring. Listed below are typical coverage types offered by auto insurance companies.

Collision coverage – This coverage covers damage to your Fit resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as backing into a parked car, sustaining damage from a pot hole and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, damage from a tornado or hurricane, a broken windshield, damage from flooding and hitting a bird. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for pain medications, chiropractic care, nursing services, rehabilitation expenses and doctor visits. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability insurance – Liability coverage provides protection from damage that occurs to a person or their property. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims like medical expenses, emergency aid and pain and suffering. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

UM/UIM Coverage – This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Honda Fit.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits are set the same as your liablity limits.