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2013 Honda Fit EV Insurance Rates

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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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UPDATED: Mar 20, 2020

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Looking for cheaper insurance coverage rates for your Honda Fit EV? I can’t think of anyone who cherishes buying insurance coverage, especially when their premiums are through the roof. Popular companies such as Allstate and Progressive all promote huge savings with advertising and it is challenging if not impossible to ignore the flashy ads and effectively compare rates to find the best deal.

If you have insurance now or need a new policy, you can use these tips to find the best rates while maximizing coverage. Choosing the best insurance company for you is quite easy. Vehicle owners just need to know the most efficient way to get comparison rates on the web.

Comparison of Insurance Coverage

Getting a cheaper price on 2013 Honda Fit EV insurance isn’t really that difficult. You just have to take time to get quotes from different insurance companies. This can be accomplished in just a few minutes using one of these methods.

The most efficient way to get quotes is a comparison rater form (click to open form in new window). This method prevents you from having to do repetitive form entry to each individual insurance coverage company. Completing one form gets you price quotes direct from many companies.

Another way to compare rate quotes consists of visiting the website of each company and request a quote. For example, we’ll pretend you want to compare rates from Nationwide, Esurance and Farmers. To get rate quotes you would need to take the time to go to each site and enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just make absolute certain that you use apples-to-apples coverages for each price quote. If you enter mixed coverages then you won’t be able to truly determine the lowest rate.

Do you qualify for discounts?

Properly insuring your vehicles can get expensive, but you can get discounts to cut the cost considerably. A few discounts will automatically apply at the time you complete a quote, but lesser-known reductions have to be specifically requested before being credited. If you’re not getting every credit available, you are paying more than you should be.

  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off on Fit EV insurance depending on your company.
  • Payment Method – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • One Accident Forgiven – A few companies will forgive one accident before your rates go up so long as you haven’t had any claims for a set time period.
  • Sign Online – Some insurance companies will give a small break for buying a policy and signing up online.
  • Memberships – Participating in a qualifying organization could qualify you for a break when shopping for insurance coverage on Fit EV insurance.
  • Senior Citizens – Mature drivers may be able to get reduced rates on Fit EV insurance.
  • Good Student – Getting good grades can get you a discount of up to 25%. This discount can apply up to age 25.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Safety Course Discount – Taking a course in driver safety could save 5% or more if you qualify.

It’s important to understand that most discount credits are not given to the entire cost. The majority will only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky. But all discounts will bring down the amount you have to pay.

A partial list of companies that may offer these benefits are:

It’s a good idea to ask each company which discounts you may be entitled to. Discounts may not apply in your area.

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Don’t assume everyone needs the same coverage

When it comes to choosing the best car insurance coverage for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions might help in determining whether your personal situation would benefit from professional advice.

  • Do I need PIP (personal injury protection) coverage in my state?
  • When can I cancel my policy?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered if I break a side mirror?
  • I have a DUI can I still get coverage?
  • How much can I save by bundling my policies?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Are all vehicle passengers covered by medical payments coverage?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverages and their meanings

Understanding the coverages of your insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages offered by insurance companies.

Medical costs insurance

Med pay and PIP coverage kick in for bills such as chiropractic care, dental work, rehabilitation expenses and funeral costs. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually these limits are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, vandalism, hail damage and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto collision coverage

This will pay to fix damage to your Fit EV caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like sideswiping another vehicle, crashing into a building, hitting a parking meter, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Liability car insurance

This coverage can cover damage or injury you incur to a person or their property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like medical services, funeral expenses and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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