Honda Honda Fit Insurance Rates
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UPDATED: Jan 8, 2020
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Searching for the cheapest auto insurance rates? Consumers have lots of choices when looking for the lowest priced Honda Fit insurance. They can either spend hours struggling with agents getting price quotes or save time using the internet to compare rates. There are more efficient ways to buy auto insurance so you’re going to learn the best way to price shop coverage on a Honda and locate the lowest price from both online companies and local agents.
Finding affordable coverage is quite easy. If you currently have car insurance, you will be able to save some money using this strategy. Drivers just need to know how to compare rates online.
Pay less for 2008 Honda Fit insurance
Companies offering auto insurance don’t list all available discounts very well, so we took the time to find both the well known and the harder-to-find discounts you could be receiving. If you don’t get every credit available, you are paying more than you should be.
- Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
- Resident Student – Kids in college who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
- Passive Restraints – Vehicles equipped with air bags or motorized seat belts can receive discounts of more than 20%.
- Low Mileage Discounts – Fewer annual miles on your Honda could qualify for discounted rates on garaged vehicles.
- Save over 55 – Older drivers may be able to get better insurance rates on Fit insurance.
- Student Driver Training – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
- Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
- Theft Prevention System – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
- Payment Method – By paying your policy upfront instead of paying each month you could save 5% or more.
- Multiple Vehicles – Buying coverage for multiple vehicles on one policy could earn a price break for each car.
It’s important to understand that some credits don’t apply to all coverage premiums. Most only reduce individual premiums such as medical payments or collision. So when it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.
Insurance companies who might offer some of the above discounts include:
Check with each insurance company which discounts they offer. Some discounts may not apply in your state.
Complexity of Honda Fit insurance rates
An important part of buying insurance is that you know some of the elements that play a part in calculating your auto insurance rates. Knowing what determines base rates helps enable you to make changes that can help you get much lower annual insurance costs.
Shown below are a few of the “ingredients” that factor into your rates.
- A clean driving record saves money – A bad driving record has a huge affect on how much you pay. Even one speeding ticket can bump up the cost by as much as thirty percent. Drivers who don’t get tickets get better rates than people who have multiple driving citations. If you have severe violations such as DUI or reckless driving may find they need to file a SR-22 with their state DMV in order to drive a vehicle legally.
- Rural vs Urban Areas – Choosing to live in less populated areas is a positive aspect when talking about auto insurance. Fewer people translates into fewer accidents and also fewer theft and vandalism claims. Drivers in populated areas have more traffic problems and a longer drive to work. More time commuting can result in more accidents.
- How credit affects auto insurance rates – Credit score is a big factor in your rate calculation. Therefore, if your credit score is lower than you’d like, you could save money insuring your 2008 Honda Fit by improving your rating. People with good credit tend to be more responsible than those with poor credit.
- Car features impact rates – Owning a car with a theft deterrent system can help bring down rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft.
- Rates may be lower depending on your job – Occupations like real estate brokers, social workers and stock brokers have the highest rates attributed to job stress and lots of time spent at work. On the other hand, professions such as pilots, students and retirees get better rates on Fit insurance.
- Don’t let your coverage lapse – Driving without insurance can get your license suspended and you will pay a penalty because you let your insurance lapse. Not only will rates go up, getting caught without coverage may earn you a revoked license or a big fine.Then you may be required to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
- Choose a safe vehicle and save – Vehicles with high crash test scores get lower rates. These vehicles reduce injuries and better occupant protection translates into savings for insurance companies and lower rates for you. If your Honda has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
- Little extras can really add up – There are a lot of extra coverages that you can buy if you aren’t careful. Coverages for personal injury protection, towing coverage and term life insurance may be wasting your money. They may seem like a good idea when you first buy your policy, but if they’re wasting money eliminate them to save money.
Tailor your coverage to you
When it comes to buying the right insurance coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.
For instance, these questions could help you determine if you would benefit from an agent’s advice.
- How many claims can I have before being canceled?
- Where can I get insurance after a DUI in my state?
- Do I need medical payments coverage since I have good health insurance?
- Can my babysitter drive my car?
- Is my trailer covered?
- Am I getting all the discounts available?
- What if I owe more than I can insure my car for?
- Does my policy cover my teen driver if they drive my company car?
- At what point should I drop full coverage?
- Am I covered by my spouse’s policy after a separation?
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.
Is there deception in advertising?
Consumers get pounded daily by advertisements for the lowest price auto insurance from the likes of State Farm and Allstate. All the ads say the same thing that you’ll save big if you switch your coverage to them.
How do they all claim to save you money? This is how they do it.
Insurance companies have a preferred profile for the type of customer that is profitable for them. For example, a preferred risk might be profiled as between the ages of 40 and 55, owns a home, and chooses high deductibles. A driver that hits that “sweet spot” receives the best rates and as a result will probably cut their rates substantially.
Potential customers who do not match these standards will be charged more money which usually ends up with business going elsewhere. The ads state “customers who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can confidently state the savings. That is why you absolutely need to get a wide range of price quotes. You cannot predict the company that will have the lowest Honda Fit insurance rates.
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Insurance coverage basics
Learning about specific coverages of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Honda Fit.
Due to the fact that many 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 a good idea.
Auto collision coverage
Collision coverage pays for damage to your Fit resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims such as backing into a parked car, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.
Auto liability insurance
This coverage protects you from damages or injuries you inflict on other’s property or people in an accident. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged property.
Liability coverage pays for things such as bail bonds, attorney fees, funeral expenses, structural damage and court costs. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like dental work, ambulance fees and X-ray expenses. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible
This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like damage from flooding, rock chips in glass and hail damage. The highest 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.
Stretch your dollar
Lower-priced 2008 Honda Fit insurance can be purchased on the web and with local insurance agents, so you should compare both to have the best rate selection. Some car insurance companies do not offer the ability to get a quote online and these smaller companies work with independent agents.
As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.
Consumers switch companies for a number of reasons such as questionable increases in premium, extreme rates for teen drivers, high rates after DUI convictions and an unsatisfactory settlement offer. It doesn’t matter what your reason, choosing a new insurance company can be less work than you think.
Additional information is available on the following sites:
- State Car Insurance Guides (GEICO)
- Side Impact Crash Tests (iihs.org)
- Auto Insurance FAQ (Farmers Insurance)
- Get the Right Protection (InsureUonline.org)
- Vehicle Insurance (Wikipedia)
- Auto Theft Statistics (Insurance Information Insitute)
Frequently Asked Questions
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