Cheapest 2014 Honda Fit EV Insurance Rates in 2023
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UPDATED: Jun 5, 2023
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Trying to find cheaper car insurance rates for your Honda Fit EV? Consumers who are new to the process of price shopping insurance online could find buying cut-rate car insurance to be a formidable task.
You should take the time to compare prices at least once a year since rates are rarely the same from one policy term to another. Just because you found the best rates for Fit EV coverage on your last policy the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because you’re about to learn the fastest way to eliminate unnecessary coverages and save money.
Finding affordable coverage is easy if you know what you’re doing. If you currently have car insurance, you should be able to cut costs considerably using these tips. Although vehicle owners can benefit from knowing how big insurance companies market insurance on the web because it can help you find the best coverage.
Parts of the Honda Fit EV rate equation
Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for insurance coverage. Knowing what influences your rates allows you to make educated decisions that could result in lower insurance coverage prices.
The list below includes a partial list of the pieces companies use to determine premiums.
- Traffic citations inflate rates – A bad driving record has a big impact on rates. Drivers with clean records have lower premiums than people who have multiple driving citations. Just one speeding ticket may increase your cost by twenty percent. If you have severe violations such as hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.
- Liability coverage protects you – Your policy’s liability coverage will protect you if ever a court rules you are at fault for causing damage or personal injury in an accident. Liability provides legal defense which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
- Never let your coverage lapse – Allowing your coverage to lapse is a fast way to pay more for insurance coverage. And not only will insurance be more expensive, but being ticketed for driving with no insurance may earn you a revoked license or a big fine.
- Bump up deductibles to save – Your deductibles represent how much money you are required to spend out-of-pocket before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply would be colliding with a building, vandalism, or theft. The more money you are required to pay out-of-pocket, the less your company will charge you for insurance for Fit EV coverage.
Auto Insurance Quote Comparison
The are a couple different ways of comparing rates from different insurance companies. By far the easiest way to compare 2014 Honda Fit EV insurance prices is to get quotes online. It is quite easy and can be accomplished in several different ways.
The most efficient way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This type of form eliminates the need for separate quote forms to each individual auto insurance company. One form submission gets rate comparisons from multiple low-cost companies. Just one form and you’re done.
A different way to compare prices requires a trip to the website of each company to complete their respective quote request forms. For instance, let’s assume you want comparison quotes from Progressive, Liberty Mutual and Allstate. To find out each rate you need to take the time to go to each site to enter your coverage information, which is why the first method is more popular.
For a list of links to companies insuring cars in your area, click here.
The least recommended method to compare rates is to waste gas driving to local insurance agencies. The internet can eliminate the need for a local agent unless you require the personal advice of a local agent. It is possible to get prices online but still have the advice of a local agent. We’ll cover that shortly.
However you get your quotes, make sure you use exactly the same coverage limits for each price quote. If you enter mixed coverages you can’t possibly make an equal comparison. Slightly different coverage limits may cause a big price difference. And when comparing auto insurance rates, know that obtaining a wide range of quotes provides better odds of finding a lower rate.
Don’t be fooled by advertising claims
Insurance providers like 21st Century, Allstate and State Farm regularly use television and radio advertisements. They all have a common claim that you’ll save big if you move to their company. But how can every company claim to save you money? This is how they do it.
Insurance companies have a preferred profile for the right customer that earns them a profit. A good example of a preferred risk might be over the age of 40, has no driving citations, and has a high credit rating. A driver who meets those qualifications is entitled to the best price and most likely will pay quite a bit less when switching companies.
Potential insureds who don’t meet these standards must pay more money and ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” but not “drivers who get quotes” save money. That’s why insurance companies can state the savings. This illustrates why drivers must compare as many rates as you can. Because you never know which company will fit your personal profile best.
Be sure to get all your discounts
Car insurance companies do not list all available discounts very well, so here is a list both the well known as well as the least known ways to save on insurance.
- Passive Restraints – Vehicles with factory air bags can receive discounts of more than 20%.
- Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount for Fit EV coverage with a few insurance companies.
- Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
- Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
- Multiple Cars – Buying insurance for all your vehicles on one policy could earn a price break for each car.
- Driver Safety – Completing a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, you won’t be that lucky.
To see a list of companies who offer insurance discounts, follow this link.
How do I know if I need professional advice?
When choosing adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Each situation is unique.
For example, these questions may help highlight if your situation might need professional guidance.
- Which is better, split liability limits or combined limits?
- Do I have coverage when using my vehicle for my home business?
- Can I afford low physical damage deductibles?
- Does my 2014 Honda Fit EV qualify for pleasure use?
- I have a DUI can I still get coverage?
- Am I covered when using my vehicle for business?
- Am I covered if I hit my neighbor’s mailbox?
- Why am I required to buy high-risk coverage?
- What is an SR-22 filing?
- If I drive on a suspended license am I covered?
If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form.
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Auto insurance policy specifics
Knowing the specifics of auto insurance can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.
This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things like sustaining damage from a pot hole, crashing into a ditch and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.
Comprehensive (Other than Collision)
Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like theft, a broken windshield and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Fit EV.
Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.
This coverage will cover damage that occurs to a person or their property. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property.
Liability coverage pays for things like bail bonds, pain and suffering and attorney fees. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.
Medical expense insurance
Coverage for medical payments and/or PIP reimburse you for bills for chiropractic care, doctor visits, dental work, funeral costs and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
In this article, we presented many ways to get a better price on 2014 Honda Fit EV insurance. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. You may even discover the biggest savings come from a small local company.
The cheapest insurance is definitely available online as well as from independent agents, so compare prices from both to get a complete price analysis. Some insurance companies don’t offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.
Insureds change insurance companies for a number of reasons such as policy non-renewal, high rates after DUI convictions, policy cancellation and even delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new company is actually quite simple.
To read more, link through to these articles:
- Older Driver Statistics (Insurance Information Insitute)
- Neck Injury FAQ (iihs.org)
- Crash Avoidance Technologies FAQ (iihs.org)
- Understanding Rental Car Insurance (Insurance Information Insitute)
Frequently Asked Questions
What factors influence the cost of insurance for a 2014 Honda Fit EV?
Several factors can impact the cost of insurance for a 2014 Honda Fit EV. These factors include your location, driving history, age, gender, credit score, the level of coverage you choose, the deductible amount, and the insurance company’s policies.
Are there any specific discounts available for insuring a 2014 Honda Fit EV?
Many insurance companies offer discounts for various factors. While specific discounts can vary by insurer, you may be eligible for discounts such as multi-vehicle discounts, good driver discounts, low-mileage discounts, safety feature discounts (such as anti-theft devices), and discounts for bundling your car insurance with other policies from the same insurer.
Are electric vehicles generally more expensive to insure than traditional vehicles?
Electric vehicles (EVs) can sometimes have higher insurance premiums compared to traditional vehicles. This can be due to several factors, including the higher cost of EVs, expensive repair and replacement costs for EV components, and limited availability of specialized EV repair shops. However, it’s important to note that insurance rates can vary widely depending on individual circumstances and the insurance company you choose.
How can I find the cheapest insurance rates for my 2014 Honda Fit EV?
To find the most affordable insurance rates for your 2014 Honda Fit EV, it’s recommended to compare quotes from multiple insurance companies. You can do this by reaching out to different insurers directly or by using online comparison tools. Additionally, maintaining a good driving record, opting for higher deductibles, and exploring potential discounts can help lower your insurance premiums.
Are there any specific insurance companies known for offering competitive rates on 2014 Honda Fit EV insurance?
Insurance rates can vary significantly depending on your location and individual circumstances. It’s best to compare quotes from different insurance providers to find the most competitive rates for your 2014 Honda Fit EV. Some well-known insurance companies that may be worth considering include GEICO, Progressive, State Farm, Allstate, and Farmers Insurance. However, it’s important to research and compare multiple options to find the best fit for your needs.
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