Beginners Guide to Buying Auto Insurance for a Honda Fit

I can’t think of anyone who cherishes buying auto insurance, in particular when their premiums are through the roof. Companies like GEICO, 21st Century and Progressive persitently shower you with ad campaigns and it can be hard to not get sucked in by the cute commercials and do the work needed to find the best deal.

It’s important to take a look at other company’s rates yearly because rates are variable and change quite frequently. Despite the fact that you may have had the best price on Fit coverage a year ago other companies may now be cheaper. Ignore everything you know about auto insurance because we’re going to demonstrate the fastest and easiest way to eliminate unnecessary coverages and save money.

If you have a current auto insurance policy or need new coverage, you can use this information to shop for the lowest rates and possibly find even better coverage. Finding the best rates is not rocket science. Drivers just need to know the proper way to get comparison rates online.

More discounts equal less premium

Insurance can cost an arm and a leg, buy you may qualify for discounts that you may not know about. Most are applied at quote time, but some must be specially asked for before being credited. If they aren’t giving you every credit available, you are paying more than you should be.

• Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
• Sign Online – Certain companies may give you up to $50 simply for signing digitally online.
• Organization Discounts – Being a member of a professional or civic organization could qualify you for a break when shopping for auto insurance on Fit coverage.
• New Car Discount – Insuring a new car can cost up to 25% less compared to insuring an older model.
• Payment Method – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
• Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less on Fit coverage than drivers with accident claims.
• Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. A few only apply to individual premiums such as comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, companies don’t profit that way. Any amount of discount will bring down the amount you have to pay.

To choose insurers with the best auto insurance discounts, click here.

Quick Auto Insurance Quotes

All major auto insurance companies such as Allstate, GEICO and Progressive provide prices for coverage on the web. The process doesn’t take much effort as you just enter into a form. When the form is submitted, their rating system obtains credit information and your driving record and gives you a price quote. This makes comparing rates easy, but the work required to visit several different sites and fill out multiple forms can be a bit repetitive. Unfortunately, it is important to perform this step if you are searching for better prices.

The preferred way to locate the lowest prices makes use of a single form to obtain quotes from a bunch of companies at once. It saves time, helps eliminate reptitive entry, and makes price shopping online much easier to do. Immediately after you send the form, it is rated and you are able to buy any or none of the quotes returned.

If a lower price is quoted, it’s easy to complete the application and buy the policy. The whole process takes 15 minutes at the most and may result in a nice savings.

If you want to find out what other companies charge, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you replicate the insurance coverages just like they are on your policy. Doing this assures you will have a rate comparison based on similar coverages.

Final considerations

Throughout this article, we presented some good ideas how you can get a better price on Honda Fit insurance. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with the smaller companies. Regional companies often have lower prices on specific markets as compared to the big name companies such as State Farm or Progressive.

When you buy insurance online, it’s not a good idea to reduce coverage to reduce premium. Too many times, an accident victim reduced liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.