2007 Honda Fit Insurance Quotes – 9 Discounts for Best Rates

Looking for lower auto insurance rates for your Honda Fit? Are you confused by the crazy number of auto insurance company choices? You’re not the only one! Consumers have so many companies to choose from that it can easily become a challenge to find better rates.

Consumers should take time to shop coverage around occasionally since rates fluctuate regularly. Just because you had the best deal on Fit coverage six months ago other companies may now be cheaper. There is a lot of wrong information about auto insurance online, so I’m going to show you a lot of great tips on how to reduce your auto insurance bill.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these tips. Finding cheaper coverage is simple if you know the tricks. But vehicle owners must understand how companies price online insurance and use this information to your advantage.

Discounts are great for lower rates

Companies that sell car insurance don’t list every available discount in an easy-to-find place, so here is a list both the well known as well as the least known ways to save on insurance.

  • Low Mileage Discounts – Keeping the miles down on your Honda could be rewarded with better rates on cars that stay parked.
  • Life Insurance – Some companies give a discount if you purchase life insurance from them.
  • Accident Forgiveness – Certain companies will allow you to have one accident before your rates go up if you are claim-free for a certain period of time.
  • Student Driver Training – Have your child enroll in driver’s education if it’s offered in school.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you may earn at least 10% off all policies.
  • Homeowners Discount – Owning a house can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Save over 55 – Older drivers may qualify for a discount up to 10% on Fit coverage.
  • Government Employees – Active or retired federal employment may qualify you for a discount on Fit coverage depending on your company.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.

A little note about advertised discounts, some credits don’t apply to the entire cost. Most only reduce individual premiums such as comprehensive or collision. Just because it seems like it’s possible to get free car insurance, insurance companies aren’t that generous.

A partial list of companies that possibly offer these money-saving discounts are:

Double check with each company how you can save money. Savings may not be available in your area.

How to Compare Insurance Coverage Costs

All major insurance coverage companies like Progressive, Allstate and GEICO give insurance quotes directly from their websites. Getting online rates is fairly simple as you simply type in your personal and coverage information into a form. After you complete the form, their rating system orders your driving record and credit report and provides a quote based on these and other factors.

Online quotes makes comparing rates easy, but having to visit different websites and fill out multiple forms is not the best way to spend an afternoon. But it’s very important to compare as many rates as possible if you want to find the best price on insurance coverage.

There is a better way!

A quicker way to locate the lowest prices is to use a quote form to obtain quotes from several different companies. It’s a real time-saver, requires less work, and makes online shopping much more enjoyable and efficient. After sending the form, it gets priced with multiple companies and you can pick your choice of the quotes returned. If a lower price is quoted, it’s easy to complete the application and buy the policy. The whole process can be completed in a matter of minutes and could lower your rates considerably.

In order to get comparison pricing now, click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended you input the coverages as shown on your current policy. Doing this assures you will receive a price comparison using the same coverage and limits.

You may need specialized coverage

When buying coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions may help highlight if you will benefit from professional help.

  • Am I covered if I hit my neighbor’s mailbox?
  • How high should my uninsured/underinsured coverage be in my state?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is roadside assistance coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does my insurance cover a custom paint job?
  • Should I buy additional glass protection?
  • Am I covered when delivering products for my home-based business?
  • Will filing a claim cost me more?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form.

Specific coverage details

Knowing the specifics of a auto insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Liability car insurance – Liability insurance protects you from injuries or damage you cause to a person or their property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as court costs, repair costs for stationary objects, legal defense fees, emergency aid and pain and suffering. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Collision coverages – Collision coverage pays for damage to your Fit resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like damaging your car on a curb, sustaining damage from a pot hole, hitting a parking meter, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive auto coverage – This pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, hitting a deer and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like EMT expenses, dental work and ambulance fees. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

More comparisons equals lower rates

Affordable 2007 Honda Fit insurance is available on the web as well as from independent agents, and you need to comparison shop both to have the best rate selection. Some insurance providers don’t offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

As you go through the steps to switch your coverage, do not buy less coverage just to save a little money. There have been many cases where an insured cut full coverage only to regret that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase plenty of coverage at the best price, not the least amount of coverage.

Insureds leave their current company for a variety of reasons including unfair underwriting practices, an unsatisfactory settlement offer, lack of trust in their agent or policy non-renewal. It doesn’t matter why you want to switch switching car insurance companies is pretty easy and you might even save some money in the process.

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