Lower Your 2013 Honda Fit EV Insurance Cost

Want better insurance rates for your Honda Fit EV? Overpriced Honda Fit EV insurance can bleed your budget and maybe even restrict other spending. Getting a rate comparison is free and is an excellent way to slash your bill and have more diposable income.

There are many car insurance companies to insure vehicles with, and although it’s nice to have a selection, it can be more difficult to compare rates.

Shop car insurance online

There are a variety of methods to shop for car insurance, but some are easier and takes less work. You can spend your afternoon talking to insurance agencies in your area, or you can utilize the internet to get the quickest rates.

The majority of car insurance companies belong to an insurance system where insurance shoppers enter their coverage request one time, and at least one company then returns a price quote based on that information. This eliminates the need for quote forms for each company you want a rate for.

To compare rates using this form now click here to start a free quote.

The single downside to getting quotes like this is buyers cannot specifically choose which providers to receive prices from. If you would rather choose individual companies to receive pricing from, we have a listing of companies who write car insurance in your area. Click to view list.

Whichever method you choose, make absolute certain that you use the same information on every price quote you get. If you enter unequal deductibles or liability limits it’s not possible to make a fair comparison for your Honda Fit EV.

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Car insurance buyers beware

Drivers constantly see and hear ads for the lowest price car insurance from companies such as 21st Century, Allstate and State Farm. They all seem to say the same thing about how much you will save just by moving your policy.

How is it plausible that every one can give you a lower rate? You have to listen carefully.

Different companies give the best rates for the driver that will be a good risk. A good example of a profitable customer might be over the age of 45, insures multiple vehicles, and drives less than 5,000 miles a year. Anybody that meets those criteria receives the best rates and will most likely cut their rates substantially.

Potential insureds who cannot meet these standards will have to pay more expensive rates and this results in business going elsewhere. The wording the ads use say “people that switch” not “everyone who quotes” can save as much as they claim. This is how insurance companies can make the claims of big savings. Because each company has a different risk profile, you really need to quote coverage with many companies. It’s just too difficult to predict which company will provide you with the cheapest premium rates.

Discounts for lower-cost insurance coverage quotes

Buying insurance coverage is not cheap, but you can get discounts that can drop the cost substantially. Certain reductions will be credited when you purchase, but some need to be manually applied before they will apply. If you do not double check each discount you deserve, you are just wasting money.

• Drivers Ed for Students – Require your teen driver to complete a driver education course if offered at their school.
• Anti-lock Brake Discount – Cars with anti-lock braking systems prevent accidents and will save you 10% or more.
• Theft Deterent System – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen less frequently and will qualify for a discount on a insurance quote.
• Onboard Data Collection – Policyholders that allow driving data collection to spy on when and where they use their vehicle through the use of a telematics system such as Progressive’s Snapshot could see a rate decrease as long as the data is positive.
• Professional Memberships – Being a member of qualifying clubs or civic groups may earn a discount on insurance coverage.
• Active Military Service – Having a family member in the military may lower your rates slightly.
• Driver Training Discounts – Taking time to complete a defensive driver class could cut 5% off your bill and make you a better driver.
• Discounts for Good Drivers – Accident-free drivers can pay as much as 50% less on Fit EV coverage than their less cautious counterparts.
• Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems may get savings as much as 30%.

Discounts lower rates, but most of the big mark downs will not be given to the overall cost of the policy. Some only reduce individual premiums such as liability and collision coverage. Even though the math looks like you could get a free insurance coverage policy, companies don’t profit that way. But all discounts will help lower your policy cost.

A few popular companies and a partial list of their discounts include:

• Farm Bureau may have discounts that include safe driver, renewal discount, multi-policy, 55 and retired, and good student.
• MetLife has savings for good student, defensive driver, claim-free, multi-policy, and good driver.
• Progressive has discounts for online signing, continuous coverage, multi-policy, multi-vehicle, and online quote discount.
• AAA policyholders can earn discounts including good student, education and occupation, pay-in-full, AAA membership discount, multi-car, and good driver.
• American Family includes discounts for mySafetyValet, accident-free, multi-vehicle, defensive driver, good driver, and good student.
• Geico may offer discounts for seat belt use, driver training, anti-lock brakes, membership and employees, and defensive driver.
• State Farm offers discounts including safe vehicle, anti-theft, defensive driving training, good driver, student away at school, good student, and Steer Clear safe driver discount.

Double check with all the companies how many discounts you can get. Depending on the company, some discounts might not be offered on policies in every state. To view insurance companies that offer the discounts shown above, click here.

You may need specialized insurance coverage

When choosing adequate coverage for your personal vehicles, there is no best way to insure your cars. Each situation is unique and your policy should reflect that. For example, these questions can aid in determining whether you may require specific advice.

• Are there companies who specialize in insuring high-risk drivers?
• Why am I required to buy liability insurance?
• Why do I only qualify for high-risk insurance?
• Is my teenager covered with friends in the car?
• Do I have coverage when pulling a U-Haul trailer?
• Why am I required to get a high-risk car insurance policy?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

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Auto insurance coverage options for a 2013 Honda Fit EV

Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring. Shown next are the normal coverages found on the average auto insurance policy.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Honda Fit EV.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Collision coverage

Collision coverage will pay to fix damage to your Fit EV from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as backing into a parked car, driving through your garage door, hitting a parking meter, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, hitting a bird, fire damage, damage from flooding and damage from a tornado or hurricane. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as attorney fees, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses like X-ray expenses, hospital visits, nursing services and chiropractic care. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

A tidy conclusion

While you’re price shopping online, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where someone dropped physical damage coverage only to regret they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find for the lowest cost and still be able to protect your assets.

A few companies may not offer the ability to get quotes online and many times these small, regional companies prefer to sell through independent insurance agencies. Discount 2013 Honda Fit EV insurance is definitely available online in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection.

You just read some good ideas how you can compare 2013 Honda Fit EV insurance rates online. It’s most important to understand that the more you quote insurance, the higher your chance of finding low cost insurance. Drivers may discover the lowest rates are with a small mutual company. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm or Progressive.

For more information, feel free to browse the following helpful articles:

• Drunk Driving Statistics (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Car Insurance FAQ (Trusted Choice)
• State Laws for Cellphones and Texting (iihs.org)

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