2016 Honda Fit Insurance Quotes – 6 Tips for Cheaper Rates

Looking for the cheapest auto insurance rates for your Honda Fit? Have you had enough of sacrificing other expenses to keep your car insured? You are in the same boat as many other people. People have multiple auto insurance companies to purchase coverage from, and although it’s nice to have a choice, having more insurers makes it harder to find the lowest cost provider.

You should take the time to compare rates every six months because auto insurance prices trend upward over time. Even if you got the lowest quotes on Fit coverage a couple years back you will most likely find a better rate today. Forget all the misinformation about auto insurance because I’m going to teach you the quickest way to find lower rates on auto insurance.

Shopping for cheaper protection is quite easy. If you have a policy now or are shopping for new coverage, you can use these techniques to reduce the price you pay while maintaining coverages. Drivers just need to learn the most efficient way to compare company rates over the internet.

Insurance Coverage Discounts

Companies that sell car insurance don’t always list every policy discount very clearly, so the list below gives a summary of both well-publicized and also the more inconspicuous credits available to lower your premiums when you buy auto insurance online.

• Clubs and Organizations – Participating in qualifying employment or professional organizations is a simple method to lower premiums when getting a auto insurance quote.
• Anti-theft Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and will qualify for a discount on a auto insurance quote.
• Pay Upfront and Save – By paying your policy upfront rather than paying in monthly installments you can actually save on your bill.
• Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of up to 20% off your total premium.
• Sign Online – Some of the larger companies give back up to $50 for completing your application on the web.
• Buy New and Save – Insuring a vehicle that is new may earn a small discount because new model year vehicles have to meet stringent safety requirements.

As is typical with insurance, most discounts do not apply to the overall cost of the policy. Some only apply to specific coverage prices like collision or personal injury protection. Even though the math looks like all the discounts add up to a free policy, it just doesn’t work that way.

To see a list of insurance companies that provide some of the discounts listed above, click here to view.

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Ways to get auto insurance price quotes

Most major insurance companies give price estimates directly from their websites. Getting online quotes is very simple as you just type in the coverage amounts you desire into the quote form. After you submit the form the system will obtain credit information and your driving record and gives you a price quote based on these and other factors. Online price quotes makes it easy to compare insurance prices but the work required to visit multiple sites and type in the same data can get tiresome after awhile. But it’s also necessary to have as many quotes as possible if you want to find a lower rate.

Isn’t there an easier way to compare rates?

A more efficient way to compare auto insurance pricing uses one simple form to obtain quotes from more than one company. This type of form saves time, helps eliminate reptitive entry, and makes quoting online much easier. Once the form is submitted, it gets priced and you can choose any of the price quotes you receive.

If the quotes result in lower rates, you simply finish the application and buy the policy. The entire process takes 15 minutes at the most and you’ll know if lower rates are available.

If you want to find out what other companies charge, click here to open in a new tab and fill out the form. If you have coverage now, it’s recommended you duplicate the coverages just like they are on your policy. This makes sure you will get rate quotes for similar insurance coverage.

Tailor your insurance coverage to you

When it comes to buying coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that can aid in determining if your situation may require specific advice.

• Are my tools covered if they get stolen from my vehicle?
• Does my insurance cover my expensive audio equipment?
• Do I have coverage if my license is suspended?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Is my 2016 Honda Fit covered for flood damage?
• Should I buy full coverage?
• Should I buy more coverage than the required minimum liability coverage?
• Why does it cost so much to insure a teen driver?

If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance specifics

Understanding the coverages of your policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages offered by insurance companies.

Collision coverage protection

This coverage will pay to fix damage to your Fit resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, crashing into a ditch, backing into a parked car, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for expenses for surgery, rehabilitation expenses and funeral costs. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Honda Fit.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, hitting a bird, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability insurance

This will cover damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims such as funeral expenses, legal defense fees and medical expenses. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

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At the end of the day…

In this article, we presented a lot of techniques to save on 2016 Honda Fit insurance. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the lowest prices are with an unexpected company. They may often insure only within specific states and give getter rates than their larger competitors like Geico and State Farm.

There are still a few companies who don’t offer the ability to get quotes online and usually these regional carriers provide coverage only through local independent agencies. Cheaper auto insurance can be sourced on the web and from local agencies, so you need to compare both so you have a total pricing picture.

When getting auto insurance quotes online, never reduce needed coverages to save money. In too many instances, consumers will sacrifice liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy enough coverage at the lowest possible cost while still protecting your assets.

Even more information can be read by following these links:

• Prepare your Teens for Safe Driving (InsureUonline.org)
• Auto Crash Statistics (Insurance Information Insitute)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)

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