View 2009 Honda Fit Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jan 8, 2020

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Are you tired of paying out the nose to insure your Honda every month? You’re in the same situation as most other car owners. Many car insurance companies vie to insure your vehicles, so it can be very hard to choose a insurer and get the best coverage at the lowest rate possible.

How to Get Auto Insurance

Comparing auto insurance rates can be challenging if you don’t know the best way to get rate quotes. You could waste time discussing policy coverages with local insurance agents in your area, or you could use the internet to maximize your effort.

Many popular insurance companies participate in a marketplace that enables customers to enter their coverage request one time, and each participating company can provide price quotes determined by their information. This system prevents you from having to do repetitive form submissions to every company.

To find out how much you can save on auto insurance click here to open in new window.

The single downside to using this type of system is that you can’t choose the companies to get pricing from. So if you want to choose from a list of companies to compare rates, we put together a list of low cost auto insurance companies in your area. Click here to view list.

However you get your quotes, ensure you are comparing apples-to-apples coverages for each price quote. If the quotes have unequal deductibles or liability limits it’s not possible to determine the lowest rate for your Honda Fit.

Is my situation unique?

When it comes to choosing the best car insurance coverage, there isn’t really a perfect coverage plan. Every situation is different so your insurance should reflect that For instance, these questions can aid in determining whether or not you might need an agent’s assistance.

  • Should I have a commercial auto policy?
  • Is pleasure use cheaper than using my 2009 Honda Fit to commute?
  • Do I need medical payments coverage since I have good health insurance?
  • Will my rates increase for filing one claim?
  • Does insurance cover tools stolen from my truck?
  • Am I covered if I break a side mirror?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is a new car covered when I drive it off the dealer lot?
  • Can my babysitter drive my car?

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If you’re not sure about those questions then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Car insurance coverages explained

Understanding the coverages of your car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on the average car insurance policy.

Uninsured or underinsured coverage – This gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Honda Fit.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Collision – This coverage pays for damage to your Fit resulting from colliding 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 claims like driving through your garage door, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, 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.

Auto liability – This coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property.

Liability insurance covers things such as repair costs for stationary objects, pain and suffering, funeral expenses, medical expenses and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for bills such as ambulance fees, hospital visits and surgery. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hail damage, fire damage, damage from getting keyed, a tree branch falling on your vehicle and theft. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Use our FREE quote tool to compare rates now!

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