2009 Honda Fit Car Insurance Rates – 6 Discounts for Best Quotes

Trying to find lower auto insurance rates for your Honda Fit? Pretty sure you bought overpriced auto insurance? You’re preaching to the choir because many consumers are feeling buyer’s remorse and feel like there’s no way out.

Numerous car insurance companies battle for your hard-earned dollar, so it can be very hard to choose a insurer to discover the definitive lowest price

How much is auto insurance?

When shopping for auto insurance there are multiple ways to compare rate quotes from local auto insurance companies. The best method to compare 2009 Honda Fit insurance prices involves getting comparison quotes online. This can be accomplished by using one of the methods below.

• Probably the best way to get quotes for comparison is a comparison rater form (click to open form in new window). This method keeps you from doing multiple quote forms for each price estimate. One simple form will return quotes instantly.
• A harder way to find lower rates consists of visiting each individual company website and complete a new quote form. For example, we’ll assume you are doing a rate comparison from Nationwide, State Farm and Farmers. To find out each rate you need to spend time on each company’s site and 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.

How you compare quotes is your choice, just be sure you’re using equivalent information with each company. If you compare different limits and deductibles on each one you can’t possibly truly determine the lowest rate. Having just a slight variation in insurance coverages could throw off the whole comparison. Keep in mind that comparing more quotes helps improve the odds of finding a better price. Some regional insurers cannot provide prices over the internet, so it’s recommended that you also compare prices from the smaller companies as well.

What insurance coverages do I need?

When it comes to choosing the right insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. For instance, these questions might help in determining if you would benefit from professional advice.

• How much can I save by bundling my policies?
• Do I get a pro-rated refund if I cancel my policy early?
• Do all my vehicles need collision coverage?
• Can I drive in Mexico and have coverage?
• Is rental equipment covered for theft or damage?
• Do I pay less for low miles?
• Should I have combined single limit or split liability limits?
• Why am I be forced to buy a membership to get insurance from some companies?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Car insurance policy specifics

Having a good grasp of your car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. These are the usual coverages found on most car insurance policies.

Collision coverages – This will pay to fix damage to your Fit caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like backing into a parked car, sideswiping another vehicle, damaging your car on a curb, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for bills like rehabilitation expenses, hospital visits, nursing services and EMT expenses. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability coverage – Liability insurance provides protection from damage that occurs to other people or property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as court costs, medical expenses, funeral expenses, emergency aid and legal defense fees. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Comprehensive or Other Than Collision – This coverage will pay to fix 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 insurance covers things like theft, fire damage, damage from flooding and rock chips in glass. The highest amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM Coverage – Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.