How Much Does 2013 Honda Fit Car Insurance Cost?

Searching for the cheapest auto insurance rates for your Honda Fit? Are you tired of not being able to afford each month for car insurance? You are no different than many other consumers.

Consumers have many insurance companies to choose from, and though it is a good thing to have a selection, so many choices can make it hard to find the best rates.

Do you qualify for discounts?

The cost of insuring your cars can be expensive, but there could be available discounts that you may not know about. Most are applied when you quote, but less common discounts must be specifically requested in order for you to get them.

  • Discount for New Cars – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Homeowners Discount – Being a homeowner may earn you a small savings because maintaining a house requires personal responsibility.
  • Paperwork-free – Certain companies give back up to $50 for buying a policy and signing up online.
  • Club Memberships – Participating in a qualifying organization is a good way to get lower rates when shopping for auto insurance for Fit insurance.
  • Claim Free – Good drivers with no accidents pay less when compared with bad drivers.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for a small decrease in premiums for Fit insurance.

Drivers should understand that some of the credits will not apply to the entire cost. A few only apply to individual premiums such as liability, collision or medical payments. So when it seems like you could get a free auto insurance policy, it just doesn’t work that way. But all discounts will cut your premiums.

For a list of insurance companies with the best auto insurance discounts, click here to view.

Why your Honda Fit might be costing you more

Smart consumers have a good feel for the factors that play a part in calculating your car insurance rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that may reward you with better car insurance rates.

  • Marriage pays dividends – Having a spouse actually saves money on your car insurance policy. Having a spouse usually means you are more mature and responsible and it’s proven that drivers who are married are more cautious.
  • One company can mean more discounts – Many companies will give a discount to people who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s still a good idea to shop around to confirm you are receiving the best rates possible.
  • The more you drive the more you pay – The more miles you rack up on your Honda each year the more you will pay for car insurance. Almost all companies rate vehicles based on how the vehicle is used. Vehicles left parked in the garage qualify for better rates than those used for commuting. Improper usage on your Fit may be wasting your money. Make sure your car insurance policy is showing how each vehicle is driven.
  • Sex matters – Statistics show women tend to be less risk to insure than men. However, don’t assume that women are better drivers. They both cause accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get more serious tickets like DUI and reckless driving.

Don’t assume everyone needs the same coverage

When choosing the right insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that can help discover if your situation would benefit from an agent’s advice.

  • Can I rent a car in Mexico?
  • Should I buy full coverage?
  • Should I get collision insurance on every vehicle?
  • Why does it cost so much to insure a teen driver?
  • Am I getting all the discounts available?
  • I don’t drive much so do I pay less?
  • Do I have newly-aquired coverage?
  • Do I need rental car coverage?
  • What is the ISO rating for a 2013 Honda Fit?
  • How much liability coverage do I need in my state?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Insurance coverages and their meanings

Understanding the coverages of insurance aids in choosing the best coverages for your vehicles. Insurance terms can be confusing and coverage can change by endorsement. Shown next are the normal coverages found on the average insurance policy.

Liability

Liability coverage protects you from damage or injury you incur to other people or property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like structural damage, medical services and legal defense fees. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s 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. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for collisions

This coverage will pay to fix damage to your Fit resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a ditch, colliding with a tree, colliding with another moving vehicle, damaging your car on a curb and hitting a mailbox. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for expenses for pain medications, hospital visits, EMT expenses and dental work. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as a tree branch falling on your vehicle, hail damage and rock chips in glass. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

More choices the merrier

You just read a lot of techniques to shop for 2013 Honda Fit insurance online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the best price on insurance is with an unexpected company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.

When you buy insurance online, do not sacrifice coverage to reduce premiums. Too many times, drivers have reduced full coverage only to find out that it was a big mistake. Your strategy should be to buy enough coverage at the best price while not skimping on critical coverages.

Much more information about insurance can be found on the following sites: