Lower Your 2011 Honda Fit Car Insurance Quotes

Drivers have options when trying to find the best price on Honda Fit insurance. You can either waste hours driving around to compare prices or leverage the internet to make rate comparisons.

There are both good and bad ways to compare auto insurance rates and you need to know the absolute fastest way to quote coverages for a new or used Honda and get the cheapest rates either online or from local insurance agents.

It’s important to compare premium rates on a regular basis because insurance prices are rarely the same from one policy term to another. If you had the lowest rates on Fit insurance six months ago you can probably find a better premium rate now. Forget all the misinformation about auto insurance because we’re going to show you one of the quickest ways to save on auto insurance.

The cheapest car insurance quotes

There are multiple methods to compare car insurance quotes, but there is one way that is easier and takes less work. You could spend the better part of a day driving to insurance agencies in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

Most car insurance companies participate in an industry program where insurance shoppers send in one quote, and each participating company can give them a price based on that information. This prevents consumers from doing form submissions to each individual car insurance company.

To find out how much you can save on car insurance click here to start a free quote.

The only downside to doing it this way is buyers cannot specifically choose which insurance companies you want to price. So if you prefer to pick specific providers to request quotes from, we have a page of low cost car insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just double check that you are using exactly the same information for every quote you compare. If the quotes have different data it will be impossible to truly determine the lowest rate.

Get cheap insurance quotes with discounts

Insurance is not cheap nor is it fun to buy but you may be missing some discounts that can help lower your rates. Certain discounts will be triggered automatically at the time of quoting, but a few must be asked about prior to getting the savings.

  • Pay Early and Save – If you pay your entire premium ahead of time rather than paying in monthly installments you can actually save on your bill.
  • Multiple Vehicles – Buying coverage for primary and secondary vehicles on one policy qualifies for this discount.
  • Active Military Service – Being on active duty in the military could qualify you for better prices.
  • Clubs and Organizations – Being in a professional or civic organization is a simple method to lower premiums on insurance.
  • Onboard Data Collection – Drivers who agree to allow their company to look at vehicle usage by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if they have good driving habits.
  • Theft Deterent Discount – Cars equipped with anti-theft or alarm systems prevent vehicle theft and that can save you a little bit as well.
  • No Claims – Good drivers with no accidents have much lower rates when compared to bad drivers.
  • Safe Driver Discounts – Drivers without accidents can save as much as half off their rates on Fit insurance than less cautious drivers.
  • Accident Waiver – Not really a discount, but companies like Geico and Allstate allow you one accident before hitting you with a surcharge with the catch being you have to be claim-free for a specific time period.
  • Government Employees – Active or retired federal employment can save as much as 8% on Fit insurance but check with your company.

As is typical with insurance, most of the big mark downs will not be given to your bottom line cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, nobody gets a free ride. Any qualifying discounts will reduce your policy premiums.

A few companies that may offer quotes with some of the discounts shown above may include but are not limited to:

If you are trying to find cheap insurance quotes, ask every prospective company which discounts you may be entitled to. Some discounts might not apply in your area. If you would like to choose from a list of providers with the best discounts, click here to view.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions might point out if you would benefit from professional advice.

  • What is an SR-22 filing?
  • Is my camper covered by my car insurance policy?
  • Should I bundle my homeowners policy with my auto?
  • Do I really need UM/UIM coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Why am I required to get a high-risk car insurance policy?
  • Does medical payments coverage apply to all occupants?
  • Am I getting all the discounts available?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Learn how to buy insurance coverage more affordably

Many things are considered when you quote your car insurance policy. Some are obvious such as traffic violations, although some other factors are more transparent such as your marital status or how financially stable you are.A large part of saving on insurance coverage is knowing the rating factors that help calculate your policy premiums. If you know what determines base rates, this helps enable you to make changes that could result in much lower annual insurance costs.

  • If you don’t need it don’t buy it – There are a lot of optional add-on coverages that may not really be needed if you aren’t careful. Coverage for things like coverage for rental cars, accidental death, and additional equipment coverage may be costing you every month. They may seem like a good idea when deciding what coverages you need, but now you might not need them so get rid of them and save.
  • Responsible drivers pay lower rates – Having a clean driving record has a huge affect on how much you pay. Drivers with clean records receive lower rates than people who have multiple driving citations. Having a single citation may increase your cost by as much as thirty percent. Drivers unfortunate enough to have license-revoking violations like DUI or reckless driving may find that they have to to maintain a SR-22 with their state’s licensing department in order to legally drive.
  • Safer the car lower the rate – Vehicles with high crash test scores can get you lower premiums. Vehicles engineered for safety have better occupant injury protection and better occupant protection means less claims paid and cheaper rates on your policy. If your Honda Fit is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Job and insurance insurance coverage rates – Careers such as real estate brokers, architects and financial analysts tend to have higher premiums than the average policyholder in part from high stress levels and lengthy work days. Other professions such as farmers, engineers and homemakers get better rates on Fit insurance.
  • Battle of the sexes – Over the last 50 years, statistics have shown that women are safer drivers than men. It does not mean men are WORSE drivers than women. Women and men have fender benders in similar percentages, but the males get into accidents with more damage. Men also tend to have more aggressive citations like DUI and reckless driving. Young men ages 16 to 20 have the highest risk to insure and therefore are the most expensive to insure.

The coverage is in the details

Understanding the coverages of a insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for expenses like pain medications, funeral costs and chiropractic care. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision – Collision insurance will pay to fix damage to your Fit resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with another moving vehicle, colliding with a tree, sustaining damage from a pot hole, scraping a guard rail and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability coverages – This coverage provides protection from damage that occurs to a person or their property by causing an accident. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like structural damage, court costs and emergency aid. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your Honda Fit.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually these coverages are set the same as your liablity limits.

Comprehensive auto coverage – Comprehensive insurance coverage 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 claims like a broken windshield, theft, hitting a bird and falling objects. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Cheaper insurance is a realistic goal

Budget-friendly insurance is available on the web in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some companies may not have online quoting and these small, regional companies sell through independent agents.

In this article, we presented many ways to compare 2011 Honda Fit insurance rates online. It’s most important to understand that the more times you quote, the higher your chance of finding inexpensive insurance. You may even find the lowest rates are with a small mutual company.

Insureds leave their current company for a variety of reasons including lack of trust in their agent, delays in paying claims, policy cancellation or even extreme rates for teen drivers. Regardless of your reason, choosing a new insurance company can be easier than you think.

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