2009 Honda Fit Insurance Quotes – 5 Tips for Cheaper Rates

Drivers have options when trying to find the lowest priced Honda Fit insurance. They can either spend hours contacting agents trying to get quotes or leverage the internet to get rate quotes. There are both good and bad ways to shop for auto insurance and you need to know the quickest way to compare rates for a Honda and get the lowest price either online or from local insurance agents.

Quick Auto Insurance Quotes

There are multiple methods you can shop for 2009 Honda Fit auto insurance but some are easier and takes less work. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you could save time and use the internet to accomplish the same thing much quicker.

The majority of car insurance companies belong to an insurance system where insurance shoppers submit one quote, and each participating company returns a competitive quote based on that information. This system prevents you from having to do quotation requests to each company.

To fill out one form to compare multiple rates now click here to start a free quote.

The only downside to comparing rates this way is that consumers can’t choose the companies to get pricing from. If you would rather choose specific providers to compare prices, we have a listing of low cost auto insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just make absolute certain that you use exactly the same coverage limits and deductibles for each price quote. If you compare unequal deductibles or liability limits you can’t possibly decipher which rate is best.

Save $432 a year? Really?

Drivers can’t ignore all the ads for the lowest price auto insurance by companies like State Farm and Allstate. They all have a common claim that you can save if you change to them.

But how can every company say the same thing? This is how they do it.

All companies have a certain “appetite” for the type of customer that is profitable for them. An example of a desirable insured might be profiled as between the ages of 40 and 55, has no tickets, and chooses high deductibles. A propective insured that hits that “sweet spot” gets the lowest rates and as a result will probably save when switching.

Consumers who don’t measure up to the “perfect” profile must pay a higher premium and this can result in business not being written. Company advertisements say “customers who switch” not “everyone that quotes” save money. That is how companies can truthfully advertise the savings. This illustrates why it’s extremely important to compare as many rates as you can. It’s impossible to know which company will have the lowest Honda Fit insurance rates.

Policy discounts you shouldn’t miss

Companies do not advertise all available discounts very clearly, so we researched some of the best known as well as the least known discounts you could be receiving. If you’re not getting every credit available, you’re just leaving money on the table.

  • Sign Early and Save – Some companies give discounts for signing up before your current policy expires. It can save you around 10%.
  • Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less for Fit coverage than their less cautious counterparts.
  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Memberships – Belonging to a civic or occupational organization is a good way to get lower rates on your policy for Fit coverage.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off for Fit coverage with a few insurance coverage companies.

Keep in mind that most discounts do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like you can get free auto insurance, you won’t be that lucky.

For a list of insurance companies with the best insurance coverage discounts, click here.

Insurance agents can help

When choosing proper insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

For example, these questions could help you determine whether you would benefit from professional advice.

  • What discounts do I qualify for?
  • Is my nanny covered when driving my vehicle?
  • Does my insurance cover a custom paint job?
  • Where can I find DUI or SR-22 insurance?
  • Do I need an umbrella policy?
  • Is my 2009 Honda Fit covered for smoke damage?
  • What exactly is covered by my policy?
  • Does my personal policy cover me when driving out-of-state?
  • Are there companies who specialize in insuring high-risk drivers?
  • What is an SR-22 filing?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and may give you better protection.

Car insurance coverage considerations

Understanding the coverages of a car insurance policy aids in choosing which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like vandalism, damage from flooding, hitting a deer and hitting a bird. The maximum amount you’ll receive from a claim is the market value of your vehicle, 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 expenses such as rehabilitation expenses, ambulance fees, nursing services and doctor visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability insurance

Liability insurance protects you from damages or injuries you inflict on other’s property or people in an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers things such as funeral expenses, structural damage and loss of income. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Honda Fit.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverage

This coverage pays for damage to your Fit from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like rolling your car, colliding with a tree, scraping a guard rail, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

And the best car insurance company is…

Affordable 2009 Honda Fit insurance can be bought online and with local insurance agents, so compare prices from both in order to have the best price selection to choose from. Some companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

You just learned a lot of ways to compare insurance prices online. The key thing to remember is the more times you quote, the better likelihood of reducing your rate. You may be surprised to find that the lowest premiums are with a company that doesn’t do a lot of advertising.

As you shop your coverage around, make sure you don’t buy poor coverage just to save money. There are a lot of situations where someone dropped uninsured motorist or liability limits and found out when filing a claim that the savings was not a smart move. Your focus should be to buy a smart amount of coverage at a price you can afford.

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