Compare 2008 Honda Fit Insurance Rates

Shoppers have a choice when shopping for the best price on Honda Fit insurance. They can either waste time driving around to compare prices or use the internet to make rate comparisons. There is a right way and a wrong way to shop for insurance coverage and we’ll show you the absolute fastest way to compare rates for a new or used Honda and find the best price possible.

It is always a good idea to quote other rates occasionally because rates are usually higher with each renewal. Despite the fact that you may have had the lowest premium rates for Fit coverage six months ago there is a good chance you can find better prices now. Block out anything you think you know about insurance coverage because I’m going to teach you the easiest way to properly buy coverages and cut your premium.

If you have a policy now or are just looking to switch companies, you will benefit by learning to find better prices and still get good coverage. This information will help educate you on the most effective way to quote insurance and some tricks to saving. Vehicle owners only need to know how to compare company rates over the internet.

Quote insurance online

There are a variety of methods you can shop for insurance but there is one way that is easier and takes less work. You can spend your afternoon talking about coverages with local insurance agents in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

Many insurance companies enroll in a system that allows shoppers to only type in their quote data once, and each company can provide price quotes based on that information. This eliminates the need for form submissions for each company you want a rate for. To participate in this free quote system, click to open in new window.

The only downside to doing it this way is you are unable to specify the companies to receive prices from. So if you prefer to pick specific providers to request quotes from, we have a listing of the cheapest insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just do your best to use the same coverage limits with each company. If the quotes have different deductibles it will be impossible to find the best deal for your Honda Fit.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Ads can be misleading

Consumers can’t get away from ads for the lowest price insurance by companies like Allstate, Geico and Progressive. They all make an identical promise of big savings if you switch your insurance coverage to their company.

How does each company charge you a lower premium? It’s all in the words they use.

Insurance companies are able to cherry pick for the type of driver that will add to their bottom line. For example, this type of driver should be married and over the age of 30, has no prior claims, and drives a car with an anti-theft system. Any customer that hits that “sweet spot” will probably get the lowest car insurance rates as well as save a lot of money.

Potential customers who do not meet these stringent criteria will see higher rates which results in the customer not buying. The wording the ads use say “customers that switch” but not “all drivers who get quotes” save that much. That’s why companies can lure you into getting a quote. Different companies use different criteria so drivers must get price quotes at each policy renewal. It’s just too difficult to predict which company will fit you best based on your risk profile.

Discount car insurance quotes

Auto insurance companies don’t always publicize all their discounts in a way that’s easy to find, so the following is a list of both the well known and the more hidden ways to save on car insurance.

• Telematics Data – Policyholders that allow driving data submission to track driving habits remotely like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they exhibit good driving behavior.
• Lower Rates for Military – Being on active duty in the military may lower your car insurance rates slightly.
• Drive Safe and Save – Drivers without accidents can save as much as half off their rates for Fit coverage than drivers with accident claims.
• Own a Home and Save – Simply owning a home can help you save on car insurance due to the fact that maintaining a home shows financial diligence.
• Anti-theft System – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen and can earn a small discount on your policy.

A little disclaimer on discounts, some credits don’t apply the the whole policy. Most cut individual premiums such as liability, collision or medical payments. So even though you would think you could get a free car insurance policy, you aren’t that lucky.

A few of the larger companies and their offered discounts are included below.

• Progressive policyholders can earn discounts including good student, online quote discount, continuous coverage, homeowner, and multi-vehicle.
• The Hartford includes discounts for vehicle fuel type, good student, anti-theft, bundle, and air bag.
• Mercury Insurance offers premium reductions for type of vehicle, professional/association, anti-theft, age of vehicle, location of vehicle, multi-car, and multi-policy.
• Geico discounts include membership and employees, multi-policy, seat belt use, multi-vehicle, and driver training.
• AAA has discounts for pay-in-full, multi-car, good student, anti-theft, good driver, and multi-policy.
• State Farm may have discounts that include Steer Clear safe driver discount, accident-free, multiple policy, passive restraint, student away at school, and driver’s education.

When comparing rates, check with each insurance company the best way to save money. Savings might not be offered in your area. To find companies offering car insurance discounts, follow this link.

Tailor your car insurance coverage to you

When buying coverage for your personal vehicles, there really is no single plan that fits everyone. Every insured’s situation is different.

For example, these questions may help you determine if you would benefit from professional advice.

• Do I need replacement cost coverage on my 2008 Honda Fit?
• How high should deductibles be on a 2008 Honda Fit?
• Do I have coverage when using my vehicle for my home business?
• Should I bundle my homeowners policy with my auto?
• How do I insure my teen driver?
• When should I not file a claim?
• Does my insurance cover a custom paint job?
• How high should my medical payments coverage be?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Parts of your auto insurance policy

Knowing the specifics of your policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Honda Fit.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverages – This pays for damage to your Fit from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as backing into a parked car, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Coverage for liability – Liability coverage will cover damage that occurs to other people or property. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like structural damage, attorney fees and medical expenses. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for short-term medical expenses for prosthetic devices, X-ray expenses, chiropractic care, surgery and dental work. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive coverages – This pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, hail damage, a tree branch falling on your vehicle, hitting a deer and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

More effort can pay off

Affordable 2008 Honda Fit insurance can be found on the web as well as from insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not provide online quoting and many times these smaller providers sell through independent agents.

Throughout this article, we presented some good ideas how to save on 2008 Honda Fit insurance. The key concept to understand is the more providers you compare, the higher your chance of finding low cost insurance coverage. You may even discover the best price on insurance is with a lesser-known regional company.

People who switch companies do it for a number of reasons such as not issuing a premium refund, poor customer service, denial of a claim or even questionable increases in premium. Regardless of your reason for switching companies, finding a new insurance company is actually quite simple.

Other learning opportunities

• Child Safety FAQ (iihs.org)
• Tread Depth and Tire Safety (State Farm)
• Determing Auto Insurance Rates (Geico)
• Event Data Recorders FAQ (iihs.org)
• Prepare your Teens for Safe Driving (InsureUonline.org)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption