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Honda Fit Insurance Cost

Buying car insurance from online companies can be fast and easy, in addition you might just save a little. The most important part is getting rates from as many companies as possible in order to have all possible prices.

If you're new to shopping for car insurance online, you may be confused by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. The easiest way by far to compare Fit insurance rates is to get quotes online. This is very easy and can be done by comparing rates here.

Criteria which help determine your insurance rates

Auto insurance rates for your Honda Fit can be significantly different depending on several factors. A few of these criteria are:

  • A clean driving record keeps rates low
  • Better credit means lower rates
  • Your gender can raise or lower rates
  • Deductible amount directly impacts your rate
  • NTSB crash rating for your vehicle
  • What you do for a living
  • The level of coverage
  • Owning a home can lower rates

A final factor that helps determine Fit insurance cost is the model year. Older models have a much lower replacement value in comparison to older models so the payout to repair may result in lower rates. Conversely, newer models may have a trim level with safety features such as forward-collision avoidance, a collision avoidance system, dual-stage airbags, and all-wheel drive that may help lower rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Liability coverage

This coverage protects you from injuries or damage you cause to other's property or people in an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision protection

Collision insurance pays for damage to your Honda resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your Honda Fit comprehensive insurance. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are often utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.

How Much are Honda Fit Insurance Rates?