2019 Honda Fit Insurance Quotes 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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Shoppers have a choice when shopping for affordable Honda Fit insurance. They can either spend hours contacting agents to compare prices or use the internet to get rate quotes.

There are more efficient ways to compare insurance rates and we’ll show you the quickest way to price shop coverage for a Honda and find the lowest price from both online companies and local agents.

If you have insurance now or need new coverage, you can use this information to reduce the price you pay and still get good coverage. The purpose of this post is to help you learn how to effectively get price quotes. Drivers just need to know the proper methods to compare prices online.

Why smart buyers pay less for Honda Fit insurance

One of the most helpful ways to save on car insurance is to to have a grasp of the rating factors that come into play when calculating your premiums. When you know what positively or negatively controls the rates you pay, this allows you to make good choices that could result in lower rates.

The list below includes some of the items companies use to determine rates.

  • Small claims can cost you – Car insurance companies give most affordable rates to policyholders who do not file claims often. If you’re an insured who likes to file claims you can definitely plan on either policy cancellation or increased premiums. Your car insurance is designed for claims that pose a financial burden.
  • Lower rates come with age – Youthful drivers have been known to be easily distracted when behind the wheel so they pay higher car insurance rates. If you’ve ever had to add a first-time driver onto your car insurance will cause a huge premium hike. Mature drivers are more cautious drivers, tend to cause fewer accidents , and usually have better credit.
  • Get better prices if you’re married – Getting married may cut your premiums on car insurance. Having a significant other demonstrates that you tend to be less irresponsible and it’s proven that being married results in fewer claims.
  • Discounts for multiple policies – Most larger insurance companies afford better rates to insureds who have multiple policies with them such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even with this discount, it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible. There is a chance you can save money by insuring with multiple companies.
  • Cut car insurance rates and deter theft – Owning a car that has an advanced theft prevention system can help lower your premiums. Systems that thwart theives like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent your car from being stolen.
  • Does your occupation cost you more? – Did you know your job can affect your rates? Occupations like military personnel, airline pilots and stock brokers tend to pay higher rates than the rest of us because of intense work situations and lots of time spent away from family. Conversely, careers such as scientists, students and the unemployed get better rates on Fit coverage.
  • Drivers with high credit save – Having a bad credit history can be a huge factor in determining what you pay for car insurance. If your credit rating can be improved, you could potentially save money when insuring your 2019 Honda Fit if you improve your credit rating. People with very high credit ratings tend to be better drivers and file fewer claims than drivers with worse credit.
  • Traffic violations can increase premiums – Getting just one ticket can increase rates by as much as thirty percent. Attentive drivers have lower premiums as compared to careless drivers. Drivers unfortunate enough to have flagrant tickets such as reckless driving, hit and run or driving under the influence are required to file a SR-22 with the DMV in their state in order to prevent their license from being revoked.

The method we recommend to compare insurance rates in your area takes advantage of the fact auto insurance companies provide online access to compare rate quotes. To get started, all you need to do is provide the companies a bit of rating information including whether you drive to work or school, whether you are married, if you are currently licensed, and your credit rating estimate. Your information is submitted instantly to many of the top insurers and they respond with quotes with very little delay.

To start a rate quote now, click here and complete the quick form.

Car insurance in the media

Consumers can’t escape the ads that claim the best auto insurance rates by companies like State Farm and Allstate. They all seem to tend to make the same promise that drivers can save some big amount if you move your policy.

It sounds good, but how can they all claim to save you money? You have to listen carefully.

All companies quote the lowest rates for the type of customer that is profitable for them. For instance, a profitable customer might have to be married and over the age of 30, has no prior claims, and has a high credit rating. A customer getting a price quote that fits those parameters will qualify for the lowest auto insurance rates and have a good chance to save if they switch.

Potential customers who do not fit these standards will get a higher rate which usually ends up with the customer not buying. If you listen to the ad wording, they say “people that switch” not “all people who quote” can save as much as they claim. That is how insurance companies can confidently make those statements.

Because of the profiling, it’s extremely important to compare free insurance quotes often. It is impossible to predict which car insurance company will have the lowest rate quotes.

Insurance rates and discounts

Insurance is easily one of your largest bills, but you might be missing out on some discounts that could help you make your next renewal payment. Some of these discounts will be visible when you purchase, but a few must be asked for before you will receive the discount.

  • Passive Restraint Discount – Cars that have air bags or automatic seat belts may earn rate discounts up to 30%.
  • Early Signing – A few companies give discounts for switching policies before your current coverage expires. You may see this discount when you get insurance quotes online.
  • No Claim Discounts – Good drivers with no accidents can earn big discounts as compared to insureds who have frequent claims or accidents.
  • Military Deployment Discount – Having a deployed family member could trigger a small discount.
  • Accident Forgiveness Coverage – Not necessarily a discount, but a few companies such as Progressive, State Farm and GEICO will let one accident slide without the usual rate increase if you have no claims for a set time period.

Policy discounts save money, but many deductions do not apply to the whole policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, nobody gets a free ride.

The best insurance companies and a selection of discounts are detailed below.

  • American Family offers premium reductions for TimeAway discount, Steer into Savings, bundled insurance, good driver, mySafetyValet, and good student.
  • Nationwide has savings for good student, defensive driving, easy pay, multi-policy, and business or organization.
  • MetLife may include discounts for defensive driver, multi-policy, claim-free, good student, good driver, and accident-free.
  • 21st Century includes discounts for automatic seat belts, student driver, 55 and older, driver training, and homeowners.
  • Farmers Insurance policyholders can earn discounts including pay in full, teen driver, early shopping, bundle discounts, and mature driver.
  • Allstate may have discounts that include utility vehicle, 55 and retired, EZ pay plan discount, multi-policy, good student, resident student, and safe driver.

Before purchasing a policy, check with every prospective company how many discounts you can get. Some of the discounts discussed earlier might not be offered on policies in your state. To find insurers that offer many of these discounts, enter your zip code here.

Situations that may require an agent’s advice

When buying the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions can aid in determining whether you would benefit from professional advice.

  • Does having multiple vehicles earn me a discount?
  • Am I covered if I hit a deer?
  • Should I rate my 2019 Honda Fit as pleasure use or commute?
  • When does my teenage driver need to be added to my policy?
  • Why am I required to buy high-risk coverage?
  • How much can I save by bundling my policies?
  • What can I do if my company denied a claim?
  • Is my 2019 Honda Fit covered for flood damage?
  • Will my rates increase for filing one claim?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and enter your zip code. It’s fast, free and can provide invaluable advice.

Insurance coverage options for a 2019 Honda Fit

Understanding the coverages of insurance can help you determine the right coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as doctor visits, hospital visits, nursing services and chiropractic care. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people 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 a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability car insurance

Liability coverage provides protection from injuries or damage you cause to a person or their property. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims such as court costs, pain and suffering, medical services and legal defense fees. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, vandalism, falling objects, hitting a bird and fire damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision insurance

Collision insurance covers damage to your Fit resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a building, rolling your car, backing into a parked car 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. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Do the work, save more money

You just learned some good ideas how to reduce 2019 Honda Fit insurance car insurance rates online. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest car insurance rates are with some of the lesser-known companies.

As you quote insurance, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced uninsured motorist or liability limits only to find out that it was a big mistake. Your aim should be to get the best coverage possible for the lowest price, not the least amount of coverage.

Some companies may not provide rate quotes online and usually these smaller providers sell through local independent agencies. Low-cost 2019 Honda Fit insurance is attainable online as well as from independent agents, and you should compare rates from both to have the best chance of lowering rates.

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