2017 Honda Fit Insurance Quotes – 6 Tricks for Cheapest Rates

There isn’t anyone who gets a kick out of paying for insurance coverage, especially knowing they could get a better deal. Companies like Geico, 21st Century and Progressive constantly bombard you with advertising and it is difficult to ignore the flashy ads and take the time to shop coverage around.

You need to take a look at other company’s rates quite often because prices trend upward over time. Despite the fact that you may have had the best quotes for Fit insurance two years ago you can probably find a lower rate today. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to how to use the internet to buy cheaper insurance coverage.

How to buy car insurance online

There are a lot of ways you can shop for car insurance but some are more efficient than others. You can waste a lot of time discussing policy coverages with agents in your area, or you can utilize the internet to achieve your goal.

The majority of car insurance companies take part in a program that allows shoppers to enter their coverage request one time, and each company returns a rated price based on that information. This eliminates the need for quote forms for every car insurance company. To participate in this free quote system, click to open in new window.

One minor caviat to using this type of form is you cannot specify which companies to get quotes from. If you prefer to choose specific insurance companies for rate comparison, we have a listing of low cost car insurance companies in your area. Click to view list.

Whichever way you use, do your best to enter exactly the same quote data with each company. If you use different coverage information it’s not possible to decipher which rate is best.

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Earn discounts to get lower-cost insurance coverage quotes

Some insurance providers don’t necessarily list all possible discounts very well, so we break down some of the more common in addition to some of the lesser obvious ways to save on insurance coverage.

• Discount for Swiching Early – A few insurance coverage companies offer discounts for buying a new policy prior to your current policy expiring. It can save you around 10%.
• Telematics Data – Insureds who allow driving data submission to analyze where and when they drive by using a telematic data system such as State Farm’s In-Drive may see discounts as long as they are good drivers.
• Active Military Service – Being deployed in the military can result in better insurance coverage rates.
• E-sign Discounts – A few insurance coverage companies will give a small break simply for signing on the internet.
• Use Seat Belts – Buckling up and requiring all passengers to buckle up before driving can save a little on the premium charged for medical payments and/or PIP.
• Include Life Insurance and Save – If the company offers life insurance, you could get a small discount if you purchase some life insurance in addition to your auto policy.

One last thing about discounts, some of the credits will not apply to the entire cost. Most only apply to the cost of specific coverages such as liability and collision coverage. Even though it appears all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

Larger insurance coverage companies and some of the discounts are detailed below.

• American Family discounts include good driver, defensive driver, good student, Steer into Savings, and bundled insurance.
• Nationwide offers premium reductions for easy pay, family plan, good student, multi-policy, defensive driving, anti-theft, and accident-free.
• MetLife offers discounts for good student, multi-policy, accident-free, claim-free, defensive driver, good driver
• 21st Century has savings for good student, anti-lock brakes, early bird, theft prevention, student driver, automatic seat belts, and air bags.
• Farmers Insurance may offer discounts for distant student, early shopping, business and professional, pay in full, teen driver, alternative fuel, and youthful driver.
• Allstate includes discounts for 55 and retired, farm vehicle, anti-theft, new car, resident student, and economy car.

If you want affordable auto insurance quotes, ask all companies you are considering which discounts you qualify for. Some credits may not be available in your state. To find insurance coverage companies that offer discounts, click here.

Tailor your insurance coverage to you

When buying the best insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions might point out whether you might need professional guidance.

• If my pet gets injured in an accident are they covered?
• Is my cargo covered for damage or theft?
• Who is covered when they drive my 2017 Honda Fit?
• Am I covered when driving in Canada or Mexico?
• Is my camper covered by my car insurance policy?
• Will filing a claim cost me more?
• Are my tools covered if they get stolen from my vehicle?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, free and may give you better protection.

Coverages available on your auto insurance policy

Having a good grasp of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages available from auto insurance companies.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Honda Fit.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability auto insurance

This can cover damage that occurs to other’s property or people that is your fault. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as medical expenses, court costs and funeral expenses. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Comprehensive auto insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, a tree branch falling on your vehicle, a broken windshield and fire damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses such as ambulance fees, nursing services, funeral costs and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Auto collision coverage

This will pay to fix damage to your Fit from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like sustaining damage from a pot hole, rolling your car, scraping a guard rail and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

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Keep this in mind

When shopping online for auto insurance, it’s very important that you do not skimp on coverage in order to save money. There are a lot of situations where someone sacrificed liability limits or collision coverage and learned later they didn’t have enough coverage. Your objective should be to buy the best coverage you can find at the lowest possible cost, but don’t skip important coverages to save money.

Cheaper auto insurance is definitely available from both online companies as well as from independent agents, and you need to comparison shop both to have the best selection. Some auto insurance companies may not provide the ability to get a quote online and usually these small, regional companies prefer to sell through local independent agencies.

To read more, feel free to visit the resources below:

• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)
• Frontal Crash Tests (iihs.org)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)

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