2007 Honda Fit Insurance Quotes – 9 Ideas for Cheaper Rates

If you are new to online price comparisons, you can be confused of insurance providers all offering big savings.

Earn discounts to get lower-cost insurance coverage quotes

Companies that sell car insurance don’t list all their discounts in an easy-to-find place, so the list below gives a summary of some of the best known as well as some of the hidden credits that may apply to you.

  • Own a Home and Save – Being a homeowner can save a few bucks because of the fact that having a home requires personal responsibility.
  • Low Mileage Discounts – Fewer annual miles on your Honda may allow you to get lower insurance coveragerates on the low mileage vehicles.
  • Military Rewards – Having an actively deployed family member could qualify you for better insurance coverage rates.
  • Multiple Cars – Buying coverage for more than one vehicle with the same insurance coverage company can get a discount on all vehicles.
  • Discount for Life Insurance – Select companies reward you with better insurance coveragerates if you take out some life insurance too.
  • Safety Course Discount – Successfully completing a course in safe driver could earn you a small percentage discount depending on where you live.
  • Buy New and Save – Buying a new car model is cheaper because new vehicles have to meet stringent safety requirements.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Distant Student Discount – Children living away from home attending college and do not have access to a covered vehicle may be insured at a cheaper rate.

One thing to note about discounts is that most discounts do not apply to the entire cost. Most only apply to individual premiums such as collision or personal injury protection. Just because you may think all those discounts means the company will pay you, that’s just not realistic.

Companies that may offer most of these discounts are:

When getting a coverage quote, ask each company which discounts you may be entitled to. Some of the earlier mentioned discounts may not be available in your state. If you would like to see a list of insurance coverage companies who offer discounts, follow this link.

Buy insurance online

The majority of larger companies such as Progressive, GEICO, Allstate and State Farm provide insurance quotes online. This process doesn’t take much effort because it’s just a matter of typing in the amount of coverage you want into a form. Behind the scenes, the company’s rating system will obtain reports for credit and driving violations and returns a price quote.

This helps simplify price comparisons, but the time it takes to visit multiple sites and enter the same data into a form is repetitive and time-consuming. But it’s also necessary to do this if you want to find lower prices.

Compare rates the easy way

The easiest way to lower your insurance bill utilizes a single form that gets price quotes from a lot of companies. This type of form saves time, reduces the work, and makes rate comparisons a lot less work. After sending your information, your coverage is rated with multiple companies and you can pick any or none of the quotes that you receive.

If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. It only takes a few minutes and could lower your rates considerably.

To compare pricing, click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you replicate the insurance coverages identical to your current policy. Using the same limits helps guarantee you will have comparison quotes for similar insurance coverage.

Tailor your insurance coverage coverage to you

When buying the right insurance coverage, there really is no cookie cutter policy. Each situation is unique.

Here are some questions about coverages that could help you determine if your insurance needs may require specific advice.

  • Am I covered when driving in Canada or Mexico?
  • Do I need higher collision deductibles?
  • Does coverage extend to a rental car in a foreign country?
  • Do I have any recourse if my insurance company denies a claim?
  • How much underlying liability do I need for an umbrella policy?
  • Do I need PIP coverage since I have good health insurance?
  • Is a fancy paint job covered?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form.

Insurance coverage options for a Honda Fit

Having a good grasp of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Collision insurance

Collision coverage will pay to fix damage to your Fit from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as hitting a parking meter, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Coverage for liability

This provides protection from damages or injuries you inflict on other’s property or people that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like emergency aid, court costs, medical services and attorney fees. How much coverage you buy is your choice, but you should buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hail damage, hitting a bird, damage from getting keyed and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Insurance for medical payments

Med pay and PIP coverage kick in for immediate expenses such as surgery, prosthetic devices, X-ray expenses and ambulance fees. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2007 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. Most of the time these limits are identical to your policy’s liability coverage.

Buy online or local, you save

Cheap 2007 Honda Fit insurance is available both online and from local agencies, and you need to price shop both so you have a total pricing picture. There are still a few companies who do not offer price quotes online and most of the time these smaller companies prefer to sell through independent insurance agencies.

As you shop your coverage around, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where an accident victim reduced comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. The proper strategy is to purchase a proper amount of coverage at the best cost while not skimping on critical coverages.

Consumers switch companies for any number of reasons including delays in responding to claim requests, high rates after DUI convictions, being labeled a high risk driver and lack of trust in their agent. Whatever your reason, switching companies is pretty easy and you might even save some money in the process.

Additional detailed information is available at these sites: