2013 Honda Fit EV Insurance Quotes

Searching for better insurance prices for a new or used Honda Fit EV could be an all-consuming task, but you can learn our car insurance buying tips and make it easy.

There are more efficient ways to shop for car insurance so we’re going to tell you the absolute fastest way to get price quotes for your Honda and locate the cheapest rates from both online companies and local agents.

It is always a good idea to compare rates at least once a year because car insurance prices are usually higher with each renewal. Even if you got the lowest rates for Fit EV insurance on your last policy there may be better deals available now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate how to use the internet to get good coverage at a lower rate.

Shopping for cheaper coverage is quite easy. If you have a policy now or are just looking to switch companies, you can follow these tips to find the best rates and still get good coverage. Consumers only need an understanding of the proper methods to compare company rates over the internet.

Take advantage of these premium-slashing discounts

Some insurers don’t always list the entire discount list in a way that’s easy to find, so the list below details both the well known and also the lesser-known insurance coverage savings. If you don’t get every credit available, you could be saving more on your insurance coverage.

  • Telematics Discount – Drivers who elect to allow companies to spy on driving manner through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates as long as they are good drivers.
  • Anti-lock Brake Discount – Cars with ABS braking systems or traction control are much safer to drive and therefore earn up to a 10% discount.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you can avoid monthly service charges.
  • Bundle and Save – If you have multiple policies and insure them with the same company you will save up to 20% off your total premium.
  • Anti-theft System – Vehicles equipped with tracking devices and advanced anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Drivers Education – Have your child enroll in driver’s education in high school.
  • Lower Rates for Military – Being deployed in the military could trigger a small discount.
  • Resident Student – Children who live away from home to go to college and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Paperless Signup – A handful of insurance coverage companies will give you a small discount for buying your policy digitally online.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off for Fit EV insurance with a few insurance coverage companies.

Don’t be surprised that most credits do not apply to the overall cost of the policy. Most only reduce specific coverage prices like comp or med pay. If you do the math and it seems like you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will lower the premium cost.

A list of companies and a summarized list of policyholder discounts are detailed below.

  • Progressive discounts include online quote discount, good student, online signing, multi-policy, homeowner, and continuous coverage.
  • Farmers Insurance policyholders can earn discounts including business and professional, homeowner, youthful driver, switch companies, and teen driver.
  • Farm Bureau may include discounts for renewal discount, youthful driver, safe driver, multi-policy, and good student.
  • State Farm offers discounts including Steer Clear safe driver discount, good driver, multiple autos, good student, defensive driving training, and safe vehicle.
  • GEICO may offer discounts for anti-theft, anti-lock brakes, multi-vehicle, air bags, and five-year accident-free.
  • SAFECO may have discounts that include teen safety rewards, accident prevention training, anti-theft, anti-lock brakes, and drive less.
  • Liberty Mutual has savings for multi-car, new graduate, safety features, new vehicle discount, preferred payment discount, new move discount, and multi-policy.

If you need lower rates, check with each company or agent which discounts can lower your rates. A few discounts may not apply to policyholders in your state. To locate providers that provide some of the discounts listed above, click here to view.

Do I need special coverages?

When it comes to buying the best insurance coverage, there is no single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover if your situation could use an agent’s help.

  • What is the minimum liability in my state?
  • Am I covered by my spouse’s policy after a separation?
  • How do I buy GAP insurance?
  • Does my insurance cover a custom paint job?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does insurance cover damages from a DUI accident?
  • What is the ISO rating for a 2013 Honda Fit EV?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Auto insurance ads bend the truth

Consumers constantly see and hear ads that promise big savings by State Farm, GEICO and Progressive. All the ads make the same claim that you’ll save big if you move your coverage to them.

How do they all cost less than your current company? This is the trick they use.

Auto insurance companies offer their best rates for the right customer they prefer to insure. One example of a profitable risk profile might have to be a married female, has never had a claim, and drives less than 7,500 miles a year. A customer who matches that profile will get the preferred rates and will save money with a new company.

People who do not fit those standards will be quoted higher prices which results in the driver buying from a lower-cost company. If you listen to the ad wording, they say “people who switch” not “everybody who quotes” save money. That’s why companies can truthfully make those claims.

Each company has different criteria, so you absolutely need to do a rate comparison at every renewal. It’s not possible to predict with any certainty which company will have better car insurance rates than you’re paying now.

Coverage specifics

Learning about specific coverages of your policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, falling objects, theft, hitting a bird and rock chips in glass. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage

This pays for damage to your Fit EV resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a mailbox, colliding with another moving vehicle and crashing into a building. 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 get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2013 Honda Fit EV.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently these coverages are similar to your liability insurance amounts.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses such as chiropractic care, prosthetic devices and X-ray expenses. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Liability auto insurance

Liability insurance provides protection from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as bail bonds, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is up to you, but buy as high a limit as you can afford.

The best insurance company isn’t always the cheapest

Insureds leave their current company for many reasons like extreme rates for teen drivers, poor customer service, unfair underwriting practices or even questionable increases in premium. It doesn’t matter why you want to switch switching car insurance companies is pretty simple and you could end up saving a buck or two.

In this article, we covered many ideas to get a better price on 2013 Honda Fit EV insurance. The key thing to remember is the more companies you get rates for, the higher your chance of finding cheaper insurance. You may even find the best price on car insurance is with some of the smallest insurance companies.

As you prepare to switch companies, don’t be tempted to reduce needed coverages to save money. There are too many instances where drivers have reduced physical damage coverage only to regret that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at a price you can afford, but do not sacrifice coverage to save money.

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