2015 Honda Fit Car Insurance Quotes

Are you regretting the purchase of an expensive auto insurance policy? You’re in good company because there are many people just like you.

Insurance companies such as Allstate, Progressive and Geico promote their brand names with catchy ads and it is challenging if not impossible to see through the cute green geckos and mayhem and do the work needed to find the best deal.

It’s smart to take a look at other company’s rates every six months since prices change frequently. Even if you got the lowest rate for Fit coverage a few years ago the chances are good that you can find a lower premium rate today. Ignore everything you know about auto insurance because you’re about to learn the best way to save money, get proper coverage and the best rates.

Insurance coverage discounts help lower rates

Insurance coverage is expensive, but you might find some hidden discounts to help bring down the price. Certain discounts will be applied when you get a quote, but some must be requested specifically before they will apply.

• No Claim Discounts – Drivers who stay claim-free can save substantially as opposed to frequent claim filers.
• Multiple Policy Discount – If you insure your home and vehicles with one insurance company you could earn a discount of at least 10% off all policies.
• Include Life Insurance and Save – Larger companies have lower prices if you buy some life insurance in addition to your auto policy.
• ABS Braking Discount – Cars, trucks, and SUVs with ABS braking systems or traction control can stop better under adverse conditions so companies give up to a 10% discount.
• Memberships – Having an affiliation with specific professional or occupational memberships or organizations is a simple method to lower premiums when shopping for insurance coverage.
• Student Discounts – Maintaining excellent grades may save you up to 25%. Most companies allow this discount up to age 25.
• Resident Student – College-age children who live away from home at college and do not take a car to college may be insured at a cheaper rate.
• Defensive Driver Discounts – Completing a defensive driving course could possibly earn you a 5% discount and easily pay for the cost of the class.
• No Charge for an Accident – This isn’t a discount exactly, but companies like Geico, Progressive, and Allstate may permit one accident without the usual rate increase so long as you are claim-free for a certain period of time.

A little disclaimer on discounts, most discounts do not apply to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. Any qualifying discounts should definitely cut your insurance coverage premiums.

A few popular companies and some of the discounts are outlined below.

• Progressive policyholders can earn discounts including good student, online signing, multi-policy, multi-vehicle, online quote discount, continuous coverage, and homeowner.
• Farmers Insurance discounts include alternative fuel, electronic funds transfer, switch companies, teen driver, mature driver, distant student, and pay in full.
• Farm Bureau may offer discounts for 55 and retired, multi-policy, renewal discount, multi-vehicle, safe driver, good student, and youthful driver.
• State Farm includes discounts for student away at school, multiple autos, passive restraint, good student, multiple policy, anti-theft, and defensive driving training.
• Geico offers discounts including anti-theft, multi-vehicle, emergency military deployment, membership and employees, good student, and military active duty.
• SAFECO may have discounts that include bundle discounts, accident prevention training, safe driver, anti-theft, and teen safe driver.
• Liberty Mutual may include discounts for new vehicle discount, good student, newly married, safety features, and multi-policy.

Before purchasing a policy, check with each company to give you their best rates. Some discounts might not be offered in your area. If you would like to choose from a list of providers that offer the discounts shown above, click this link.

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Honda Fit insurance costs can be lower

The best way to find cheaper insurance is to take a look at some of the elements that play a part in calculating your premiums. If you understand what influences your rates, this helps enable you to make changes that can earn you much lower annual insurance costs.

The itemized list below are some of the things insurance companies consider when setting rates.

• Higher prices for specific occupations – Do you have a high-stress occupation? Occupations like doctors, executives and financial analysts have higher average rates due to job stress and incredibly demanding work hours. On the other hand, careers such as scientists, engineers and retirees pay lower than average rates for Fit coverage.
• Keep premiums low by being claim-free – Auto insurance companies give better rates to insureds who do not file claims often. If you frequently file small claims, you can expect higher premiums or even policy non-renewal. Your insurance policy is intended for larger claims.
• Cut premiums and deter theft – Buying a car with a theft deterrent system can help lower your rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent car theft.
• Excellent credit means lower costs – An insured’s credit score factor in determining what you pay. If your credit rating can be improved, you could save money insuring your 2015 Honda Fit if you clean up your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims than those with poor credit scores.
• Qualify for multi-policy discounts – Most larger insurers afford a discount to buyers that purchase more than one policy such as combining an auto and homeowners policy. Discounts can amount to ten or even up to twenty percent in some cases. Even with this discount applied, it’s in your best interest to check prices from other companies to make sure you are getting the best deal. You may still be able to find a better deal by buying insurance from a different company.
• Get hitched and pay less – Having a wife or husband actually saves money on insurance. Having a spouse usually means you are more financially stable and statistics prove married drivers get in fewer accidents.

Which is the best car insurance?

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions can help discover if you may require specific advice.

• Is a fancy paint job covered?
• Should I have a commercial auto policy?
• Is my vehicle covered by my employer’s policy when using it for work?
• How do I insure my teen driver?
• Do I need more liability coverage?
• Does my personal policy cover me when driving out-of-state?
• Is motorclub coverage worth it?
• What is covered by UM/UIM coverage?
• Does my medical payments coverage pay my health insurance deductible?
• What is high-risk coverage and where do I buy it?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Car insurance coverages for a Honda Fit

Having a good grasp of your policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are typical coverages available from insurance companies.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Honda Fit.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from flooding, fire damage and falling objects. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

Collision insurance pays for damage to your Fit from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as rolling your car, sideswiping another vehicle, scraping a guard rail, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Liability

Liability insurance will cover damage or injury you incur to other people or property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like medical services, court costs and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills like ambulance fees, dental work and doctor visits. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Cheaper insurance is a realistic goal

When getting auto insurance quotes online, it’s not a good idea to reduce coverage to reduce premium. There have been many cases where drivers have reduced physical damage coverage only to regret at claim time they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at the best price while still protecting your assets.

There are still a few companies who may not offer online rate quotes smaller companies only sell coverage through local independent agents. Cheaper 2015 Honda Fit insurance is available on the web and with local insurance agents, and you should compare price quotes from both to get a complete price analysis.

In this article, we presented a lot of ways to get a better price on 2015 Honda Fit insurance. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even discover the best premium rates are with a lesser-known regional company. Regional companies may have significantly lower prices on certain market segments than the large multi-state companies such as Progressive and Geico.

Additional information

• Choosing a Car for Your Teen (State Farm)
• Young Drivers: The High Risk Years Video (iihs.org)
• Side Impact Crash Tests (iihs.org)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)

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