Cheap 2017 Honda Fit Car Insurance Quotes

Trying to find cheaper auto insurance rates for your Honda Fit? If you’re new to shopping for insurance coverage quotes online, you may be overwhelmed by the large number local agents and online companies offering insurance.

It’s important to take a look at other company’s rates occasionally because auto insurance prices change frequently. Even if you got the best quotes on Fit coverage on your last policy a different company probably has better rates today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the best way to buy cheaper auto insurance.

Components of your Honda Fit insurance rates

Many things are part of the calculation when you get a price on insurance. A few of the factors are predictable such as traffic violations, although others are not as apparent such as your marital status or how safe your car is.

Shown below are a partial list of the pieces utilized by car insurance companies to help set your rates.

  • Are you male or female? – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. However, don’t assume that males are worse at driving than females. Females and males are in accidents in similar percentages, but guys have costlier accidents. Not only that, but men also get ticketed for serious violations such as DWI and reckless driving.
  • Maintain insurance coverage coverage – Driving your car without having proper coverage is not a good idea and you may have a hard time finding new coverage because you let your coverage cancel without a new policy in place. And not only will your rates increase, failure to provide proof of insurance could result in a fine, jail time, or a revoked license. Then you may be required to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Pleasure use or commuting – Driving more miles every year the higher your rate. The majority of insurers rate vehicles based on their usage. Autos that do not get driven very much receive lower rates than vehicles that are driven to work every day. It’s a smart idea to ensure your policy shows the correct usage. Incorrect rating for your Fit can result in significantly higher rates.
  • If you don’t need it don’t buy it – Insurance policies have a lot of add-on coverages you can purchase if you don’t pay attention. Coverages for replacement cost coverage, death and dismemberment, and Farm Bureau memberships may be costing you every month. These coverages may sound good at first, but if they’re wasting money think about removing them and cutting costs.
  • Responsible drivers pay less – Your driving citation history can have a huge impact on auto insurance premiums. Just one ticket can boost insurance rates forty percent or more. Careful drivers pay less for auto insurance than bad drivers. Drivers who have gotten severe citations like DWI, reckless driving or hit and run convictions may find they need to prove financial responsibility with their state motor vehicle department in order to legally drive.
  • Credit rating impacts premiums – Your credit history factor in determining your rates. If your credit history leaves room for improvement, you may save money insuring your 2017 Honda Fit if you improve your credit rating. People with high credit scores tend to be less risk to insure than drivers with worse credit.

Find hidden discounts on car insurance

Car insurance is not cheap, but there could be significant discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied at the time of quoting, but some need to be asked about before being credited.

  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a lower premium rate if you buy a life insurance policy as well.
  • Active Service Discounts – Being deployed with a military unit could mean lower car insurance rates.
  • Discount for Good Grades – Being a good student can save 20 to 25%. Many companies even apply the discount to college students until age 25.
  • Anti-theft System – Cars equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
  • Club Memberships – Belonging to a professional or civic organization can get you a small discount on your next renewal.
  • Homeowners Discount – Just owning your own home may trigger a policy discount on car insurance because maintaining a house shows financial diligence.
  • Renewal Discounts – A few car insurance companies allow discounts for signing up prior to your current policy expiring. You could save around 10% when you buy insurance coverage online.
  • Paper-free Discount – Many car insurance companies give back up to $50 for completing your application over the internet.
  • Accident Forgiveness Coverage – This one isn’t a discount, but companies like Progressive and Allstate will let one accident slide without raising rates as long as you don’t have any claims for a specific time period.
  • Use Seat Belts – Forcing all vehicle occupants to wear their seat belts can save 10% or more on medical payment and PIP coverage.

It’s important to understand that some credits don’t apply to the overall cost of the policy. Most only cut the cost of specific coverages such as medical payments or collision. Even though it appears you can get free auto insurance, it just doesn’t work that way. Any qualifying discounts should definitely cut your car insurance premiums.

Insurance companies that may offer these discounts include:

Double check with all companies you are considering the best way to save money. All car insurance discounts might not be available to policyholders everywhere. If you would like to see a list of insurance companies that offer some of these discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Each situation is unique.

For example, these questions might point out whether you might need an agent’s assistance.

  • Why do I only qualify for high-risk insurance?
  • Do I need special endorsements for business use of my vehicle?
  • Should I rate my 2017 Honda Fit as pleasure use or commute?
  • Does my insurance cover a custom paint job?
  • How much liability insurance is required?
  • Am I missing any policy discounts?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form.

The coverage is in the details

Understanding the coverages of insurance helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Collision insurance

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a ditch, sustaining damage from a pot hole, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Liability coverage

This coverage will cover damage that occurs to other people or property in an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for things such as pain and suffering, court costs, loss of income, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills for ambulance fees, funeral costs, nursing services, dental work and surgery. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like fire damage, damage from getting keyed, vandalism, a tree branch falling on your vehicle and damage from flooding. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Honda Fit.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Shop smart and save

Insureds change insurance companies for a variety of reasons including lack of trust in their agent, not issuing a premium refund, unfair underwriting practices and an unsatisfactory settlement offer. No matter why you want to switch, choosing a new company is not as difficult as it may seem.

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. There have been many situations where an insured dropped collision coverage only to find out that they should have had better coverage. Your strategy should be to buy enough coverage for the lowest cost while not skimping on critical coverages.

We just showed you a lot of techniques to shop for 2017 Honda Fit insurance online. The key concept to understand is the more rate quotes you have, the higher your chance of finding cheap insurance coverage. Consumers could even find that the lowest car insurance rates are with some of the lesser-known companies.

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