View 2017 Honda Fit Car Insurance Quotes

Trying to find better insurance rates for your Honda Fit? Being forced to pay for overpriced insurance premiums can empty your funds and possibly require postponing other expenditures. Comparing price quotes can help to ensure you are getting the best deal.

Many auto insurance companies compete to insure your vehicles, so it can be very hard to choose a company to find the absolute best price available.

Insurance Coverage Discounts

Buying insurance coverage is not cheap, but you might find some hidden discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically at the time you complete a quote, but some discounts are required to be inquired about prior to receiving the credit.

• Student Driver Training – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if offered at their school.
• Discount for Low Mileage – Low annual miles could qualify for lower rates on the low mileage vehicles.
• Discount for Life Insurance – If the company offers life insurance, you could get a lower rate if you buy life insurance.
• Discount for New Cars – Putting coverage on a new car can cost up to 25% less compared to insuring an older model.
• Professional Memberships – Affiliation with a civic or occupational organization is a simple method to lower premiums on your next insurance coverage statement.
• Seat Belts Save more than Lives – Drivers who require all occupants to fasten their seat belts could cut 10% or more on medical payment and PIP coverage.

Don’t be shocked that many deductions do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that you can get free auto insurance, insurance companies wouldn’t stay in business.

A few of the larger companies and the discounts they provide can be found below.

• Progressive offers discounts including continuous coverage, multi-vehicle, online quote discount, online signing, good student, and multi-policy.
• AAA may include discounts for anti-theft, good student, pay-in-full, good driver, multi-policy, and multi-car.
• Farmers Insurance discounts include multi-car, early shopping, good student, business and professional, teen driver, and electronic funds transfer.
• Geico may have discounts that include defensive driver, daytime running lights, membership and employees, good student, driver training, and multi-vehicle.
• Esurance includes discounts for anti-lock brakes, renters, paid-in-full, good student, defensive driver, DriveSense, and online shopper.
• SAFECO has discounts for anti-lock brakes, anti-theft, safe driver, accident prevention training, multi-car, and bundle discounts.
• State Farm policyholders can earn discounts including Steer Clear safe driver discount, passive restraint, student away at school, good student, multiple policy, and safe vehicle.

If you want affordable insurance quotes, ask all the companies how many discounts you can get. Discounts might not be available to policyholders everywhere.

How to get free insurance quotes online

All the larger insurance companies like Progressive, Geico, Allstate and State Farm provide prices for coverage on the web. Getting prices online is pretty painless because it’s just a matter of typing in the coverage amounts you desire into a form. After the form is submitted, their system gets reports for credit and driving violations and provides a quote based on the data you entered. Quoting online streamlines rate comparisons, but the time required to go to many different websites and enter the same data into a form gets old quite quickly. But it’s very important to get many rate quotes in order to find the lowest insurance rates.

The smarter way to find lower prices uses just one form that obtains quotes from a lot of companies. It’s a real time-saver, eliminates form submissions, and makes online quotes a little more enjoyable. As soon as the form is sent, it gets priced and you are able to buy your choice of the quotes returned. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. It can be completed in a matter of minutes and can result in significant savings.

To save time and use this form to compare rates, click here to open in a new tab and begin entering your coverage information. To compare your current rates, we recommend you duplicate deductibles and limits just like they are on your policy. This makes sure you will receive an apples-to-apples comparison for exact coverage.

Learn how to get insurance coverage at a discount

Lots of things are taken into consideration when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, although some other factors are more transparent such as your credit history or how financially stable you are.An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for insurance coverage. When consumers understand what influences your rates, this helps enable you to make changes that could result in lower rates.

The itemized list below are a partial list of the pieces used by your company to calculate your rate level.

• Use one insurance company and save – Most major insurers will award better rates to customers who consolidate policies with them in the form of a multi-policy discount. The amount of the discounts can be 10 percent or more. Even though this discount sounds good, you still need to compare other insurance prices to verify if the discount is saving money.
• Where do you drive? – The more you drive in a year the more it will cost to insure it. Many insurance companies price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks that sit idle most of the time can get a lower rate than vehicles that are driven to work every day. Make sure your declarations sheet properly reflects the right rating data. Having an incorrect usage rating on your Fit can result in significantly higher rates.
• Uninterrupted coverage lowers insurance coverage rates – Allowing your insurance coverage policy to lapse is a fast way to drive up your policy premiums. Not only will rates go up, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with your state DMV.
• Frequent insurance claims will increase rates – Companies provide the lowest premiums to drivers who are not frequent claim filers. If you’re an insured who likes to file claims you can look forward to increased rates or even have your policy non-renewed. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
• Get better rates if married – Walking down the aisle can actually save you money when buying insurance coverage. It may mean you are more mature and responsible and statistics prove drivers who are married are more cautious.
• Credit rating impact insurance coverage costs – Credit score can be a huge factor in determining what you pay for insurance coverage. Drivers with high credit ratings tend to file fewer claims as compared to drivers with lower ratings. So if your credit history is lower than you’d like, you could pay less to insure your 2017 Honda Fit by spending a little time repairing your credit.
• More people means more accidents – Living in small towns and rural areas is a positive aspect if you are looking for the lowest rates. Lower population translates into fewer accidents and also fewer theft and vandalism claims. Residents of big cities regularly have more traffic problems and more severe claims. The longer drive time means higher likelihood of an accident.
• Add-on coverages that aren’t used – There are a ton of add-on coverages that may not really be needed on your Fit policy. Insurance for roadside assistance, death and dismemberment, and extra equipment coverage are some examples. You may think they are a good idea when talking to your agent, but if you’ve never needed them in the past remove them from your policy.

Tailor your insurance coverage to you

When choosing adequate coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can help discover if your situation could use an agent’s help.

• Why do I need rental car insurance?
• Why does it cost so much to insure a teen driver?
• Are my friends covered when driving my car?
• Should I carry comprehensive and collision coverage?
• Can my teen driver be rated on a liability-only vehicle?
• How many claims can I have before being cancelled?
• How can I force my company to pay a claim?
• Are there companies who specialize in insuring high-risk drivers?
• 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 might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Specific coverages for a 2017 Honda Fit

Having a good grasp of a auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages offered by auto insurance companies.

Collision protection

This coverage covers damage to your Fit from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like damaging your car on a curb, sideswiping another vehicle and scraping a guard rail. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

This pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, falling objects, a broken windshield and damage from getting keyed. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Honda Fit.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for surgery, hospital visits, pain medications, doctor visits and funeral costs. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers 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

Liability coverages

This coverage protects you from damages or injuries you inflict on other people or property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as loss of income, emergency aid, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy higher limits if possible.

Save for a rainy day

Cheaper 2017 Honda Fit insurance is attainable online and from local agencies, so you need to shop insurance with both to have the best selection. Some insurance companies do not offer rate quotes online and many times these smaller providers only sell coverage through local independent agents.

We just presented many ways to lower your 2017 Honda Fit insurance car insurance rates. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Consumers may even find the best price on insurance is with an unexpected company. Regional companies often have lower premium rates on specific markets as compared to the big name companies such as State Farm, Geico and Nationwide.

To read more, link through to these articles:

• Credit and Insurance Scores (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)
• Cellphones, Texting and Driving (iihs.org)
• Vehicle Size and Weight FAQ (iihs.org)
• Information for Teen Drivers (Geico)