Cheap 2014 Honda Fit EV Insurance Quotes

Looking for better car insurance rates for your Honda Fit EV? Paying for pricey Honda Fit EV insurance can stress out your accounts and make it hard to pay other bills. Comparing price quotes is a great way to make sure you’re not throwing money away.

Multiple insurance companies compete for your hard-earned dollar, so it’s not easy to compare every provider to find the absolute best rate

Save with these premium-slashing discounts

Auto insurance can be pricey, but you may be missing some discounts that could drop your premiums quite a bit. Many discounts should be triggered when you quote, but less common discounts must be specifically requested before being credited.

  • Accident Forgiveness Coverage – This one isn’t a discount, but some insurance companies will let one accident slide before your rates go up so long as you are claim-free for a certain period of time.
  • Low Mileage Discounts – Fewer annual miles on your Honda could be rewarded with slightly better prices than normal.
  • Multiple Vehicles – Buying coverage for several vehicles on one policy can reduce the rates for all insured vehicles.
  • Discounts for New Vehicles – Buying insurance on a new vehicle can get you a discount because new vehicles keep occupants safer.
  • Military Discounts – Being deployed in the military may lower your premium rates slightly.
  • Homeowners Savings – Being a homeowner can get you a discount because maintaining a house is proof that your finances are in order.
  • Braking Control Discount – Anti-lock brake equipped vehicles have fewer accidents and will save you 10% or more.
  • Federal Government Employee – Being employed by or retired from a federal job could qualify for a slight premium decrease for Fit EV coverage with select insurance companies.

Policy discounts save money, but most discount credits are not given to the entire cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it appears having all the discounts means you get insurance for free, you aren’t that lucky.

If you would like to choose from a list of providers who offer online auto insurance quotes, click here.

Compare car insurance rates

Performing a rate comparison can be exhausting if you don’t understand the easiest way. You can waste a lot of time driving to insurance companies in your area, or you could use online quoting to get prices fast.

All the larger companies participate in an industry program where insurance shoppers send in one quote, and at least one company returns a competitive quote for coverage. This prevents consumers from doing quote requests for each company you want a rate for. To get comparison pricing now click here to start a free quote.

The single downside to using this type of form is that you can’t choose the insurers to get quotes from. So if you prefer to choose specific providers to compare, we have assembled a list of companies who write car insurance in your area. Click here for list of insurance companies.

However you get your quotes, make darn sure you compare the same quote information on every quote you get. If you have differing limits you can’t possibly make a fair rate comparison.

Do I need special coverages?

When buying the best insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions can help discover whether or not you may require specific advice.

  • Do I have coverage for damage caused while driving under the influence?
  • What vehicles should carry emergency assistance coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Which companies will insure high-risk drivers?
  • Can I get a multi-policy discount?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What can I do if my company won’t pay a claim?
  • Is my trailer covered?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Specific coverage details

Having a good grasp of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages found on most auto insurance policies.

Collision – This coverage covers damage to your Fit EV resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with another moving vehicle, damaging your car on a curb, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability insurance – This coverage provides protection from injuries or damage you cause to a person or their property. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like funeral expenses, pain and suffering, legal defense fees, bail bonds and structural damage. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for expenses like rehabilitation expenses, nursing services, prosthetic devices, doctor visits and EMT expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive auto insurance – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, hail damage, hitting a deer, falling objects and hitting a bird. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

The bottom line

Some insurance coverage companies may not offer rate quotes online and these regional insurance providers only sell coverage through local independent agents. More affordable insurance coverage can be sourced on the web in addition to local insurance agencies, so you need to compare both in order to have the best price selection to choose from.

As you restructure your insurance plan, never skimp on coverage in order to save money. There are many occasions where consumers will sacrifice full coverage only to find out that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at the best cost, but do not skimp to save money.

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