View 2014 Honda Fit EV Insurance Rates

Paying more affordable prices for insurance coverage can seem to be a challenge for drivers new to online comparison shopping. With such a big selection of agents and companies in the marketplace, it can be more work than you anticipated to find cheaper prices.

It’s a great practice to check insurance coverage prices before your policy renews since insurance rates trend upward over time. Even if you got the best rate on Fit EV coverage a few years ago other companies may now be cheaper. Ignore everything you know about insurance coverage because you’re about to learn the easiest way to reduce your cost while improving coverage.

Finding affordable coverage is not that difficult. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Nevertheless, consumers do need to know how companies market on the web and apply this information to your search.

How to buy car insurance online

To find the best car insurance rates, there are several ways to get quotes from car insurance companies in your area. The best way to find the lowest 2014 Honda Fit EV rates is to get quotes online. It is quite easy and can be accomplished using a couple different methods.

1. The fastest and easiest way to find low rates is a comparison rater form click to view form in new window. This style of form saves time by eliminating boring form submissions for every prospective company. One quote request will return quotes from all major companies. This is perfect if you don’t have a lot of time.
2. A slightly less efficient method to analyze rates consists of going to the website for every company you want to comare to complete their respective quote request forms. For sake of this example, we’ll pretend you want to compare USAA, Allstate and American Family. To get each rate you have to spend time on each company’s site and type in your information over and over, which can get rather old.

   For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just ensure you are comparing identical coverage limits with each company. If you use different limits and deductibles on each one you will not be able to decipher which rate is best. Having just a slight variation in coverage limits could mean much higher rates. And when comparison shopping, obtaining a wide range of quotes helps improve the odds of finding the best price.

Auto insurance discounts are available to slash your rates

Some insurance providers don’t necessarily list every policy discount in an easy-to-find place, so the list below gives a summary of a few of the more well known and the harder-to-find credits available to bring down your rates.

• Defensive Driver Discount – Taking time to complete a defensive driving course can save you 5% or more and easily pay for the cost of the class.
• Own a Home – Simply owning a home may earn you a small savings due to the fact that maintaining a home means you have a higher level of financial diligence.
• Discount for Swiching Early – A few companies give discounts for signing up before your current policy expires. This discount can save up to 10%.
• Memberships – Being in a qualifying organization is a good way to get lower rates when shopping for auto insurance.
• Discounts for Responsible Drivers – Insureds without accidents can save up to 40% or more on their car insurance quote on Fit EV coverage than less cautious drivers.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course if offered at their school.
• No Accidents – Drivers who stay claim-free have much lower rates when compared with accident-prone drivers.

A little disclaimer on discounts, most discounts do not apply to the overall cost of the policy. A few only apply to specific coverage prices like medical payments or collision. So even though it sounds like you can get free auto insurance, auto insurance companies aren’t that generous.

The best auto insurance companies and a partial list of their discounts are shown below.

• Farmers Insurance may offer discounts for business and professional, electronic funds transfer, pay in full, distant student, teen driver, early shopping, and alternative fuel.
• State Farm policyholders can earn discounts including good student, passive restraint, Steer Clear safe driver discount, student away at school, Drive Safe & Save, and multiple autos.
• Liberty Mutual may have discounts that include new move discount, multi-policy, preferred payment discount, exclusive group savings, teen driver discount, safety features, and newly married.
• MetLife offers discounts for good student, multi-policy, defensive driver, claim-free, accident-free, and good driver.
• Progressive discounts include online quote discount, online signing, homeowner, multi-vehicle, and good student.

When comparing rates, check with every prospective company what discounts are available to you. Some of the earlier mentioned discounts might not be offered in your state. If you would like to choose from a list of companies who offer auto insurance discounts, click here to view.

Everyone needs different insurance coverage coverages

When choosing the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Each situation is unique.

For example, these questions can aid in determining whether you might need professional guidance.

• What is high-risk coverage and where do I buy it?
• Does my 2014 Honda Fit EV qualify for pleasure use?
• Do I pay less for low miles?
• Are all vehicle passengers covered by medical payments coverage?
• Do I benefit by insuring my home with the same company?
• Do I need PIP (personal injury protection) coverage in my state?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form.

Car insurance coverage information

Knowing the specifics of your policy can be of help when determining appropriate coverage for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Honda Fit EV.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, vandalism, a broken windshield, rock chips in glass and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage – Collision coverage pays for damage to your Fit EV from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with a tree, hitting a mailbox, scraping a guard rail and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Auto liability – This coverage will cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like bail bonds, funeral expenses, attorney fees and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for bills like surgery, prosthetic devices, chiropractic care, funeral costs and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay