Compare 2016 Honda Fit Insurance Rates

Scraping up a payment for pricey Honda Fit insurance can bottom out your family’s budget and force you to make sacrifices. Online insurance companies like Allstate, Progressive and Geico promote their brand names with TV and radio ads and it is challenging if not impossible to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

Which auto insurance is cheapest?

Finding more affordable 2016 Honda Fit auto insurance rates is not a difficult process. Drivers just need to take a few minutes comparing rates provided by online insurance companies. Insurance prices can be quoted using one of these methods.

Without a doubt, the easiest way to get the best comparison quotes would be an industry-wide quote request form click to view form in new window. This form prevents you from having to do separate quotation requests for each company. Filling out one form gets coverage cost estimates direct from many companies.

Another way to get quotes online is spending the time to visit each individual company website and repeat the quote process. For examples sake, we’ll assume you are doing a rate comparison from Geico, Liberty Mutual and Farmers. To get rate quotes you would need to spend time on each company’s site and punch in your information repeatedly, which can be really labor intensive. For a handy list of car insurance company links in your area, click here.

The most time-consuming method to comparison shop rate quotes is calling or driving to insurance agencies in your area. Quoting and buying insurance online eliminates this option unless you require the professional assistance that can only be provided by a licensed insurance agent. It is possible to compare the best prices online but have your policy serviced through an agent.

Whichever way you choose to compare rates, try to use apples-to-apples information for each price quote. If you compare higher or lower deductibles you will not be able to truly determine the lowest rate.

Discounts can really help save money

Companies offering auto insurance do not list every possible discount very well, so the following list contains some of the more common in addition to some of the lesser obvious ways to save on auto insurance.

Government Employee Discount – Having worked for a branch of the government may qualify for a discount when you quote auto insurance for Fit coverage with a few auto insurance companies.
College Student Discount – College-age children who are enrolled in a college that is more than 100 miles from home and leave their car at home may be able to be covered for less.
Accident Forgiveness Coverage – Not really a discount, but some insurance companies will turn a blind eye to one accident without the usual rate increase as long as you don’t have any claims for a particular time prior to the accident.
Braking Control Discount – Cars and trucks with anti-lock braking systems prevent accidents and will save you 10% or more.
Sign Early and Save – A few insurance companies offer discounts for signing up prior to your current policy expiration. It’s a savings of about 10%.

Policy discounts save money, but most discount credits are not given to the entire cost. Some only apply to specific coverage prices like comprehensive or collision. If you do the math and it seems like you could get a free auto insurance policy, that’s just not realistic.

To locate insurers that have a full spectrum of discounts, click this link.

Will just any policy work for me?

When it comes to buying adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions might help in determining if your insurance needs will benefit from professional help.

Are rental cars covered under my policy?
Where can I find high-risk insurance?
Am I missing any policy discounts?
Where can I get insurance after a DUI in my state?
Do I have coverage if my license is suspended?
What exactly is covered by my policy?
Am I insured when driving a different vehicle?
Is my vehicle covered by my employer’s policy when using it for work?
Is business property covered if stolen from my car?
Should I get collision insurance on every vehicle?

If you’re not sure about those questions but you know they apply to you, you may need to chat with 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. It’s fast, free and can provide invaluable advice.

Coverages available on your insurance policy

Having a good grasp of your policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages found on the average insurance policy.

Coverage for collisions

Collision insurance covers damage to your Fit caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as driving through your garage door, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Liability car insurance

This provides protection from damage or injury you incur to a person or their property in an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like structural damage, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your 2016 Honda Fit.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally these coverages are similar to your liability insurance amounts.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for bills like funeral costs, dental work, rehabilitation expenses, hospital visits and surgery. They are often used in conjunction with a health insurance program 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 is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, hail damage, damage from getting keyed, rock chips in glass and falling objects. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.