View 2015 Honda Fit 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: May 11, 2024

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Are you burned out from sacrificing to make your car insurance payment? You are in the same boat as millions of other vehicle owners. There is such a variety of insurers to choose from, and though it is a good thing to have multiple companies, it can be more difficult to compare rates and find the lowest cost car insurance.

It’s a great practice to shop coverage around every six months due to the fact that insurance prices are variable and change quite frequently. Just because you had the best rate for Fit coverage on your last policy you will most likely find a better premium rate today. Block out anything you think you know about car insurance because we’re going to demonstrate the only way to eliminate unnecessary coverages and save money.

Finding affordable coverage is not rocket science. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. Drivers just need to know the best way to buy insurance on the web.

Don’t overlook these insurance discounts

Companies do not advertise the complete list of policy discounts in an easy-to-find place, so we took the time to find some of the best known as well as the least known credits available to bring down your rates.

  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Auto/Home Discount – If you have multiple policies with the same company you may earn up to 20% off your total premium.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower prices.
  • Theft Deterrent Discount – Cars that have factory anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
  • Telematics Data Discounts – Drivers who elect to allow their insurance company to analyze where and when they drive by using a telematics device such as Progressive’s Snapshot may see discounts if they are good drivers.
  • Renewal Discounts – A few companies allow discounts for switching to them prior to your current policy expiration. You can save around 10% with this discount.
  • Accident Forgiveness – Not necessarily a discount, but certain companies will let one accident slide without raising rates so long as you are claim-free prior to being involved in the accident.
  • Life Insurance Discount – Select insurance companies reward you with lower prices if you buy a life insurance policy as well.
  • Discounts for Cautious Drivers – Accident-free drivers may receive a discount up to 45% for Fit coverage as compared to drivers with claims.
  • Anti-lock Brake System – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions so you can save 10 percent or more.

As a footnote on discounts, most discount credits are not given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like all the discounts add up to a free policy, insurance companies aren’t that generous.

To locate insurance companies who offer discounts, enter your zip code here.

How much is car insurance?

Most larger insurance companies allow you to get prices direct online. Comparing prices online is quite easy as you just enter your coverage information on the page. After the form is submitted, the company’s rating system automatically orders credit information and your driving record and provides a quote. Being able to quote online simplifies rate comparisons, but the work required to visit multiple sites and fill out multiple forms is not the best way to spend an afternoon. But it’s very important to get many rate quotes if you want to find the lowest possible prices on car insurance.

The easiest way to get multiple rate quotes makes use of a single form that analyzes rates from multiple companies. It’s a real time-saver, requires much less work on your part, and makes quoting online a lot less work. As soon as you send your information, it is quoted and you can choose any or none of the returned quotes. If a lower price is quoted, you can simply submit the application and buy the new coverage. The whole process can be completed in a matter of minutes and may save quite a bit of money.

In order to find out how much you’re overpaying now, simply enter your zip code here and begin entering your coverage information. If you have a policy now, it’s recommended you enter identical to your current policy. This makes sure you will be getting a fair comparison based on similar coverages.

When to get professional advice

When buying the best insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different and your policy should reflect that. These are some specific questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • Is my teen driver covered when they drive my company car?
  • When does my teenage driver need to be added to my policy?
  • Am I covered when driving in Canada or Mexico?
  • Is extra glass coverage worth it?
  • Will my rates increase for filing one claim?
  • Is my dog or cat covered if injured in an accident?
  • I have good health insurance, so how much medical payments coverage do I need?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and enter your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Learn about car insurance coverages for a 2015 Honda Fit

Learning about specific coverages of car insurance can be of help when determining the best coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages available from car insurance companies.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2015 Honda Fit.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto liability insurance – This can cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like funeral expenses, pain and suffering and emergency aid. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Collision coverages – This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, colliding with a tree, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses for doctor visits, surgery and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, damage from a tornado or hurricane, theft, hitting a bird and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Be a smart shopper

We’ve covered many ways to shop for 2015 Honda Fit insurance online. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the lowest priced insurance coverage comes from a lesser-known regional company. They may cover specific market segments cheaper than their larger competitors like State Farm, GEICO and Nationwide.

While you’re price shopping online, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that the small savings ended up costing them much more. The goal is to buy enough coverage for the lowest cost, but do not skimp to save money.

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