2011 Honda Fit Insurance Quotes – 5 Tips for Cheaper Rates

Did you fall for a flashy sales pitch and buy overpriced insurance coverage? It’s a common feeling and there are a lot of people just like you who feel imprisoned by their insurance coverage policy. There is such a variety of insurers to insure vehicles with, and even though it’s nice to be able to choose, it can be more challenging to get the best deal.

It’s a good habit to compare rates occasionally because prices trend upward over time. If you had the best price on Fit insurance at your last renewal you will most likely find a better rate quote today. Ignore everything you know about insurance coverage because you’re about to find out the fastest way to properly buy coverages while reducing your premium.

Affordable car insurance quotes online

There are several ways to compare car insurance quotes, and some are less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with insurance companies in your area, or you could use the web for quick rates.

Many popular insurance companies participate in an industry program that allows shoppers to submit their information once, and at least one company can provide price quotes based on that information. This saves time by eliminating form submissions to each individual car insurance company. To compare pricing click to open in new window.

The one downside to doing it this way is you are unable to specify which carriers to get quotes from. So if you prefer to choose specific insurance companies to request quotes from, we have assembled a list of car insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just do your best to use the exact same quote information with each company. If the quotes have different deductibles you will not be able to determine which rate is truly the best.

Are you falling for claims of savings?

Consumers constantly see and hear ads that claim the cheapest prices from the likes of Allstate and Progressive. They all seem to make the point about saving some big amount just by switching your policy.

How does every insurance coverage company give you a lower rate? This is the trick they use.

Many companies quote the lowest rates for the type of driver that is profitable for them. One example of this type of risk profile could possibly be between the ages of 30 and 50, carries full coverage, and drives newer vehicles. Any customer who fits those characteristics will get very good rates and have a good chance to save when switching.

Insureds who don’t qualify for this ideal profile must pay higher premium rates which leads to the customer not buying. If you pay attention, the ads say “people who switch” but not “everyone who gets a quote” can save as much as they claim. That’s the way insurance companies can make claims that they all have the best car insurance rates. This really drives home the point why you absolutely need to compare free insurance quotes often. Because you cannot predict the company that will give you lower rates than your current company.

Verify you’re receiving every discount

Car insurance is not cheap, but companies offer discounts that you may not even be aware of. A few discounts will automatically apply when you complete an application, but less common discounts must be asked for prior to receiving the credit.

  • Discounts for Cautious Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Fit insurance compared to accident prone drivers.
  • Discounts for Multiple Vehicles – Insuring multiple vehicles with the same insurance company can reduce rates for all insured vehicles.
  • Resident Student – Older children who are enrolled in a college that is more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • Auto/Home Discount – If you combine your homeowners and auto policies with the same company you could earn a discount of approximately 10% to 15%.
  • Multi-line Discount – Select insurance companies reward you with a discount if you purchase life insurance from them.

One last thing about discounts, most of the big mark downs will not be given the the whole policy. Most cut the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you can get free auto insurance, you won’t be that lucky.

Insurance companies that have some of the above discounts may include but are not limited to:

When comparing rates, check with all the companies which credits you are entitled to. Discounts may not apply to policyholders in your area.

When should I discuss my situation with an agent?

When choosing coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. These are some specific questions can aid in determining whether or not you may require specific advice.

  • Do I have coverage when using my vehicle for my home business?
  • Do I need more liability coverage?
  • What if I total my 2011 Honda Fit and owe more than it’s worth?
  • Where can I get insurance after a DUI in my state?
  • Am I insured when driving a different vehicle?
  • Does my 2011 Honda Fit qualify for pleasure use?
  • If my 2011 Honda Fit is totaled, can I afford another vehicle?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Auto insurance coverages 101

Understanding the coverages of your auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages available from auto insurance companies.

Collision coverage

This covers damage to your Fit caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like driving through your garage door, colliding with another moving vehicle, sustaining damage from a pot hole, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like chiropractic care, X-ray expenses, hospital visits and prosthetic devices. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from getting keyed, rock chips in glass, hitting a bird, hail damage and hitting a deer. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability coverage provides protection from damage that occurs to a person or their property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for things like structural damage, repair costs for stationary objects, medical services, legal defense fees and attorney fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Be a smart shopper

Some auto insurance companies may not offer the ability to get quotes online and usually these small, regional companies work with independent agents. Budget-friendly auto insurance can be bought online and from local agencies, and you should compare rates from both to have the best selection.

When buying insurance coverage, you should never buy poor coverage just to save money. There are a lot of situations where drivers have reduced liability limits or collision coverage only to regret that the small savings ended up costing them much more. Your goal should be to find the BEST coverage for the lowest price and still be able to protect your assets.

You just read a lot of techniques to reduce 2011 Honda Fit insurance premium rates online. It’s most important to understand that the more you quote insurance, the better your chances of lowering your prices. You may even find the most savings is with a smaller regional carrier. They often have lower prices on specific markets as compared to the big name companies such as Progressive and GEICO.

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