Cheaper 2009 Honda Fit Insurance Rates

Buying low-cost auto insurance on the internet can seem to be rather challenging for beginners to price shopping online. With such a large number of insurers to choose from, how can anyone effectively compare the different rates to find the cheapest available price?

It’s important to check auto insurance prices periodically because prices are rarely the same from one policy term to another. Even if you got the lowest rates for Fit insurance two years ago you may be paying too much now. Don’t believe everything you read about auto insurance online but I’m going to show you some great ways to find cheap auto insurance.

Buying car insurance is not rocket science. Essentially every vehicle owner who has to buy insurance coverage should be able to save money. But car owners must know how companies determine prices.

Cheap Insurance Comparisons

Comparing insurance rates can take time and effort if you don’t utilize the easiest way. You could spend your day talking about coverages with local insurance agents in your area, or you could use the web to get pricing more quickly.

Many of the larger companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and every company returns a competitive quote based on that information. This eliminates the need for repetitive form submissions to each individual insurance company.

To enter your information into the quoting system, click to open in new window.

The one disadvantage to using this type of system is that consumers can’t choose which insurance companies you want to price. If you would rather choose specific providers to request quotes from, we put together a list of insurance companies in your area. Click to view list.

Whichever method you choose, compare identical deductibles and coverage limits on every quote. If your comparisons have different values for each quote you can’t possibly make a fair comparison for your Honda Fit. Slightly different coverage limits can result in a big premium difference. Keep in mind that more quotes helps locate a better price.

Save with discounts on Honda Fit insurance

Companies don’t necessarily list every available discount in an easy-to-find place, so we break down both well-publicized as well as the least known insurance coverage savings.

Good Student – This discount can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
No Charge for an Accident – A few companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
Safety Course Discount – Taking part in a course teaching defensive driving skills could save 5% or more if you qualify.
Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
Air Bag Discount – Factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.

It’s important to note that most discounts do not apply to the entire policy premium. Most only reduce individual premiums such as comp or med pay. So even though they make it sound like you could get a free insurance coverage policy, you won’t be that lucky.

Insurance companies that may have these discounts are:

Check with each company what discounts are available to you. All car insurance discounts might not apply in your state.

Tailor your coverage to you

When it comes to buying coverage, there really is not a one size fits all plan. Each situation is unique.

For instance, these questions might help in determining whether or not you could use an agent’s help.

Are there companies who specialize in insuring high-risk drivers?
What is an SR-22 filing?
Why am I required to buy liability insurance?
Do I have coverage when pulling a U-Haul trailer?
How high should deductibles be on a 2009 Honda Fit?
Is my babysitter covered when using my vehicle?
Should I drop comprehensive coverage on older vehicles?
Do I need special endorsements for business use of my vehicle?
Which is better, split liability limits or combined limits?
When should I buy a commercial auto policy?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Learn about auto insurance coverages for a 2009 Honda Fit

Understanding the coverages of auto insurance aids in choosing the best coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for liability

This can cover damages or injuries you inflict on other people or property in an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as emergency aid, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for doctor visits, prosthetic devices, X-ray expenses and nursing services. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Honda Fit.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive or Other Than Collision

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like vandalism, theft, falling objects, fire damage and hail damage. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto collision coverage

Collision insurance pays for damage to your Fit from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as damaging your car on a curb, crashing into a ditch, colliding with a tree, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.