How Much Does 2016 Honda Fit Car Insurance Cost in 2024?

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 11, 2024

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Want the cheapest insurance rates for your Honda Fit? Are you tired of paying out the nose to keep your car insured? You’re in the same situation as the majority of other vehicle owners.

With vehicle owners having so many insurance companies to choose from, it can be impossible to locate the cheapest company.

The purpose of this post is to let you in on how to get online quotes and some tricks to saving. If you currently have car insurance, you will most likely be able to lower your premiums substantially using these methods. But consumers benefit from understanding the methods companies use to price online insurance and take advantage of how the system works.

Why you might pay inflated rates

Multiple criteria are used when you quote your car insurance policy. Some factors are common sense like an MVR report, although some other factors are not quite as obvious like your continuous coverage or your vehicle rating. Consumers need to have an understanding of some of the factors that come into play when calculating insurance rates. If you know what determines premiums, this helps enable you to make changes that could result in much lower annual insurance costs.

The list below includes a few of the “ingredients” used by your company to calculate your prices.

  • Your stress level may be raising your insurance rates – Did you know your job can affect your rates? Careers such as lawyers, executives and medical professionals generally have higher premiums than the average policyholder in part from intense work-related stress and lengthy work days. On the other hand, careers like scientists, engineers and retirees get better rates on Fit coverage.
  • Costs increase with policy add-ons – There are many extra bells and whistles that you can get tricked into buying but may not be useful. Insurance for replacement cost coverage, towing, and Farm Bureau memberships may not be needed and are just wasting money. These coverages may sound good initially, but if you don’t need them get rid of them and save.
  • Never have insurance lapses – Letting your insurance expire is a sure-fire way to drive up your policy premiums. And not only will insurance be more expensive, getting caught without coverage may result in a fine, jail time, or a revoked license. You may then be required to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • When should you not file a insurance claims? – If you are the type of insured that files lots of claims you should expect higher rates. Insurance companies generally give lower rates to insureds who file claims infrequently. Insurance coverage is intended for the large, substantial claims.
  • Rate your vehicle for proper use – The more you drive your Honda each year the more you will pay for insurance. Most companies apply a rate determined by how the vehicle is used. Cars used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. Double check that your insurance declarations sheet correctly shows how each vehicle is driven, because it can save money. An improperly rated Fit can result in significantly higher rates.
  • Deter theft and reduce prices – Choosing a vehicle with a theft deterrent system can save you some money. Anti-theft devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder car theft.

The cheapest auto insurance rate quotes online

There are multiple methods to shop for auto insurance, but some are less labor-intensive and much quicker. You can waste a lot of time talking to insurance companies in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.

Many insurance companies enroll in a system that allows shoppers to submit their information once, and each participating company can provide price quotes based on that information. This eliminates the need for quote requests for each company you want a rate for.

To find out how much you can save on auto insurance enter your zip code here.

The only downside to getting quotes like this is you are unable to specify the companies to get pricing from. So if you want to select specific providers to compare, we have a listing of low cost auto insurance companies in your area. Click to enter zip code.

Compare rates however you want, just make absolute certain that you use nearly identical coverage data for every quote you compare. If your comparisons have different coverage information you will not be able to make an equal comparison. Slightly different limits can make a big difference in price. It’s important to know that comparing a wide range of rates increases the change that you will find more affordable insurance. Some companies don’t provide quotes online, so you also need to get price quotes from them, too.

Don’t overlook these car insurance discounts

Car insurance companies don’t always advertise their entire list of discounts very clearly, so the list below gives a summary of a few of the more common in addition to some of the lesser obvious discounts that may be available. If they aren’t giving you every credit possible, you could be saving more on your car insurance.

  • Passive Restraints – Options like air bags or motorized seat belts may qualify for discounts of 20 to 30 percent.
  • Senior Citizens – If you’re over the age of 55, you may be able to get a discount up to 10% on Fit coverage.
  • Include Life Insurance and Save – Some insurance carriers give a discounted car insurance rate on car insurance if you buy some life insurance in addition to your auto policy.
  • Student Discount for Driver Training – Require your teen driver to complete a driver education course if offered at their school.
  • College Student Discount – Kids who are attending college and won’t have access to an insured vehicle could qualify for this discount.

A quick disclaimer, most credits do not apply to all coverage premiums. Most only cut specific coverage prices like liability, collision or medical payments. So even though it sounds like you can get free auto insurance, that’s just not realistic.

Large car insurance companies and their possible discounts can be read below.

  • State Farm offers discounts including safe vehicle, accident-free, Drive Safe & Save, good driver, and Steer Clear safe driver discount.
  • American Family policyholders can earn discounts including good student, mySafetyValet, air bags, TimeAway discount, bundled insurance, and good driver.
  • AAA has savings for good student, multi-car, multi-policy, AAA membership discount, pay-in-full, education and occupation, and good driver.
  • GEICO offers discounts for anti-lock brakes, anti-theft, emergency military deployment, good student, and seat belt use.
  • Mercury Insurance may include discounts for annual mileage, multi-car, good driver, ease of repair, location of vehicle, and age of vehicle.
  • Farmers Insurance includes discounts for switch companies, youthful driver, homeowner, good student, bundle discounts, and distant student.
  • Progressive discounts include multi-vehicle, multi-policy, homeowner, continuous coverage, online signing, and good student.

Before purchasing a policy, check with all the companies how many discounts you can get. Some of the discounts discussed earlier might not apply in every state.

When to get professional advice

When it comes to buying the best insurance coverage coverage, there is no one size fits all plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that may help highlight if your insurance needs will benefit from professional help.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • I have a DUI can I still get coverage?
  • When would I need additional glass coverage?
  • What is UM/UIM insurance?
  • How much liability insurance is required?
  • Can I make deliveries for my home business?
  • How do I buy GAP insurance?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete your zip code.

What car insurance coverages do you need?

Understanding the coverages of your car insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types available from car insurance companies.

Comprehensive protection

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, damage from getting keyed, hail damage and vandalism. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits are set the same as your liability limits.

Medical expense coverage

Med pay and PIP coverage reimburse you for expenses like pain medications, surgery and ambulance fees. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as sustaining damage from a pot hole, crashing into a building, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Liability coverages

Liability coverage provides protection from injuries or damage you cause to other’s property or people in an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things like funeral expenses, emergency aid, repair costs for stationary objects, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Make a quick buck

You just read some good ideas how you can save on 2016 Honda Fit insurance. The most important thing to understand is the more providers you compare, the better your comparison will be. Consumers could even find that the biggest savings come from a lesser-known regional company. Some small companies often have lower premium rates on specific markets as compared to the big name companies such as Progressive and GEICO.

Cheap 2016 Honda Fit insurance can be purchased from both online companies and with local insurance agents, and you should be comparing both so you have a total pricing picture. A few companies may not offer rates over the internet and most of the time these small insurance companies work with independent agents.

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