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Honda Fit Insurance Rates

Buying auto insurance online is easy, in addition you can save money. The key is to take the time to get rates from as many companies as possible in order to accurately compare the lowest prices.

People who are new to comparing rates may think purchasing cut-rate Fit insurance is very challenging. Cutting your Fit insurance cost is not rocket science. Drivers just need to take a couple of minutes getting comparison quotes from different insurance companies. This can be accomplished by getting a quick quote here.

Criteria which help determine your insurance rates

Car insurance premiums for your Honda Fit can vary widely based upon several criteria. A few of these criteria are:

  • Your driving record
  • Credit rating
  • Male rates may be higher
  • The deductible you choose
  • NTSB crash rating for your vehicle
  • Your claim history
  • Having continuous coverage saves you money
  • Owning a home can lower rates

An additional factor that helps determine Fit insurance rates is the year of the vehicle. Models that are new cost more than older models so repair costs are higher which can inflate annual premiums. Although newer vehicles may have safety features included like a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection which can help offset higher rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Liability coverage - Liability insurance can cover injuries or damage you cause to other's property or people in an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision - Collision insurance covers damage to your Honda resulting from colliding 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 coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper Fit insurance rates.

Comprehensive coverage - Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. 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.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP provide coverage for bills such as ambulance fees, surgery, and doctor visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP is not an option in every state and may carry a deductible.

How Much are Honda Fit Insurance Rates?