View 2013 Honda Fit EV Insurance Rates 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: Apr 23, 2024

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Trying to find better insurance rates for your Honda Fit EV? Scraping up a payment for high-priced Honda Fit EV insurance can dry up your personal savings and force you to make tough financial choices. People have so many auto insurance companies to pick from, and although it’s a good thing to be able to choose, lots of choices makes it harder to locate the cheapest rates.

Consumers should take time to price shop coverage on a regular basis because insurance prices trend upward over time. If you had the best quotes for Fit EV insurance at your last renewal you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the fastest and easiest way to lower your rates without sacrificing coverage.

This information will help educate you on how to effectively get price quotes and some money-saving tips. If you are paying for car insurance now, you will most likely be able to cut costs considerably using this information. Vehicle owners only need to know the best way to shop online.

Lower rates by qualifying for discounts

Car insurance companies do not advertise every possible discount very clearly, so the following is a list of a few of the more common as well as the least known discounts that may be available.

  • Accident-Free Discounts – Insureds who avoid accidents and claims pay much less in comparison with accident-prone drivers.
  • Renewal Discounts – Some larger companies reward drivers for switching to them before your current coverage expires. Ten percent is about the average savings.
  • Safety Restraint Discount – Requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Military Discounts – Being deployed with a military unit can result in better auto insurance rates.
  • Paper-free Discount – A handful of companies will give a small break shop insurance coverage online.

As a sidenote, most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like collision or personal injury protection. Even though it appears it’s possible to get free car insurance, it doesn’t quite work that way.

To view companies with the best auto insurance discounts, enter your zip code here.

Compare insurance coverage rate quotes online

All major insurance coverage companies like 21st Century, Allstate and State Farm provide pricing from their websites. Obtaining pricing is fairly straightforward because you just enter the coverages you want into the quote form. After you submit the form their quoting system obtains your driving record and credit report and quotes a price. Online price quotes helps simplify price comparisons, but the time required to go to each company’s website and repetitively type in the same information is a waste of time. But it is imperative to perform this step if you are searching for the lowest possible prices on insurance coverage.

A quicker way to compare rates utilizes a single form to get prices from a bunch of companies at once. It’s a real time-saver, helps eliminate repetitive entry, and makes price shopping online much easier to do. As soon as you send your information, it is rated and you are able to buy your choice of the resulting price quotes.

If the quotes result in lower rates, you can simply submit the application and purchase the new policy. The whole process only takes a few minutes and you will find out if you’re overpaying now.

To quickly fill out one form to compare multiple rates now, simply enter your zip code here and complete the simple form. If you currently have coverage, we recommend you replicate the insurance coverages exactly as shown on your declarations page. This way, you’re receiving a price comparison using the same coverage and limits.

Informed drivers can reduce their insurance premiums

Lots of things are considered when quoting car insurance. Some are pretty understandable like your driving record, although some other factors are less apparent such as your credit history or your vehicle rating.

Shown below are some of the major factors insurance companies consider when setting your rates.

  • Avoid coverage lapses – Having a gap between insurance policy dates is a sure-fire way to trigger a rate increase. In addition to paying higher premiums, being ticketed for driving with no insurance may earn you a revoked license or a big fine. You may have to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Costs are affected by your address – Being located in a rural area can save you money when it comes to insurance. City drivers regularly have more auto accidents and longer commutes to work. Fewer people means fewer accidents in addition to fewer liability claims.
  • Know your credit history – A driver’s credit rating factor in determining your rates. Therefore, if your credit leaves room for improvement, you may save money insuring your 2013 Honda Fit EV by repairing your credit. People that have excellent credit scores tend to be better risks to insure than those with poor credit.
  • Frequent claims will cost you more – Auto insurance companies give better rates to insureds who are claim-free. If you file a lot of claims you can pretty much guarantee higher premiums or even policy non-renewal. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Teenagers vs. older drivers – Teen drivers have a tendency to be careless and easily distracted with other occupants in the car therefore insurance rates are much higher. Parents adding a young driver to your policy will cause a huge premium hike. Mature drivers are shown to be more cautious, tend to cause fewer accidents and are safer drivers.
  • Careless drivers pay higher prices – A bad driving record influences premium rates substantially. Getting just one driving citation can boost insurance rates by twenty percent. Careful drivers pay lower auto insurance prices compared to bad drivers. Drivers who have received severe citations such as hit and run, DWI or reckless driving convictions may need to complete a SR-22 with their state’s department of motor vehicles in order to continue driving.

Insurance is unique, just like you

When it comes to buying the best insurance coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions might point out if your situation will benefit from professional help.

  • What if I total my 2013 Honda Fit EV and owe more than it’s worth?
  • Does my 2013 Honda Fit EV need full coverage?
  • Is my ex-spouse still covered by my policy?
  • Is my trailer covered?
  • Is pleasure use cheaper than using my 2013 Honda Fit EV to commute?
  • Should I waive the damage coverage when renting a car?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, complete your zip code. It’s fast, free and can help protect your family.

But they said I’d save $431 a year!

Drivers can’t get away from all the ads that promise big savings for switching by 21st Century, Allstate and State Farm. All the companies try to convey promises that you can save if you move to them.

But how can every company charge you less for auto insurance? This is the way they can do it.

All the different companies give the best rates for the type of customer that will not have excessive claims. For instance, a profitable insured should be over the age of 45, has no tickets, and drives a vehicle with a low ISO rating. A prospective insured who matches those parameters receive the lowest rate quotes and most likely will save when they switch companies.

Drivers who don’t meet the “perfect” profile may be forced to pay higher premiums with the end result being the driver buying from a lower-cost company. If you listen to the ad wording, they say “customers who switch” not “all people who quote” can get the lowest rates when switching. That is how insurance companies can confidently lure you into getting a quote.

That is why drivers should get price quotes at each policy renewal. Because you never know which car insurance company will give you the biggest savings.

Car insurance specifics

Having a good grasp of a car insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages found on most car insurance policies.

Comprehensive coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as fire damage, hitting a bird, falling objects, rock chips in glass and hitting a deer. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like ambulance fees, nursing services and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

Collision protection

This coverage pays to fix your vehicle from damage 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 insurance covers things such as crashing into a ditch, hitting a mailbox, hitting a parking meter, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Auto liability insurance

Liability insurance provides protection from damage that occurs to other people or property that is your fault. It protects YOU against claims from other people, and does not provide coverage for 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. Your policy might show limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims such as emergency aid, attorney fees, medical services, structural damage and pain and suffering. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Final considerations

Cheaper 2013 Honda Fit EV insurance can be found both online in addition to local insurance agencies, and you need to comparison shop both so you have a total pricing picture. Some insurance providers may not have online rate quotes and usually these small, regional companies only sell coverage through local independent agents.

As you go through the steps to switch your coverage, make sure you don’t buy poor coverage just to save money. Too many times, an insured cut physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The goal is to purchase a proper amount of coverage for the lowest price, but do not skimp to save money.

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