How Much Does 2013 Honda Fit EV Insurance Cost?

Are you sick and tired of scraping the payment together to insure your Honda every month? You’re in the same situation as many other consumers. Lots of car insurance companies contend for your hard-earned dollar, so it’s not easy to compare every provider and uncover the absolute cheapest price

It is always a good idea to price shop coverage at least once a year since rates change quite often. Despite the fact that you may have had the best price for Fit EV insurance a couple years back the chances are good that you can find a lower rate today. Starting now, forget all the misinformation about insurance because you’re going to learn one of the quickest ways to properly buy coverages and cut your premium.

If you are insured now or need new coverage, you can use these techniques to shop for the lowest rates while maximizing coverage. Finding affordable coverage is not that difficult. Drivers just need to understand the proper methods to get comparison rates on the web.

Insurance Prices

Finding lower insurance rates can be quick and easy. Consumers just need to invest a few minutes comparing rate quotes from different insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. One of the best ways to find low rates is a comparison rater form like this one (opens in new window). This easy form eliminates the need for a different quote for every insurance company. One quote request will return quotes from insurance companies with the best prices.
  2. A slightly less efficient method to get comparison quotes requires you to visit the website for every company you want to comare and request a quote. For example, let’s assume you want to compare rates from Auto-Owners, Progressive and Allstate. You would have to take the time to go to each site to input your insurance information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

  3. The least efficient way to compare rates is driving to and from local insurance agencies. Shopping for insurance online eliminates the need for an insurance agent unless you prefer the personal advice that only a license agent can provide. Drivers can get prices online but buy from a local insurance agent.

Which method you use is up to you, but double check that you are using exactly the same coverages on every quote. If the quotes have higher or lower deductibles it’s impossible to decipher which rate is best.

Verify you’re getting all your discounts

Companies that sell car insurance don’t always advertise every discount in a way that’s easy to find, so here is a list some of the more common and the more hidden savings tricks you should be using. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Military Discounts – Having a family member in the military can result in better rates.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Low Mileage – Keeping the miles down on your Honda can qualify you for better rates on cars that stay parked.
  • Auto/Home Discount – If you have multiple policies with one insurance company you could get a discount of approximately 10% to 15%.
  • Air Bag Discount – Vehicles equipped with air bags may earn rate discounts up to 30%.
  • Defensive Driver – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.

Keep in mind that most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think adding up those discounts means a free policy, auto insurance companies aren’t that generous.

Companies that possibly offer these benefits may include but are not limited to:

Check with every prospective company which discounts they offer. Savings may not be available in every state.

When should I talk to an agent?

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions can help discover whether you would benefit from professional advice.

  • If my pet gets injured in an accident are they covered?
  • Is upholstery damage covered by car insurance?
  • Which is better, split liability limits or combined limits?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered if my car is in a flood?
  • Can I drive in Mexico and have coverage?
  • Do I need motorclub coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Specifics of your insurance policy

Having a good grasp of your insurance policy can be of help when determining the best coverages for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement. These are typical coverage types found on most insurance policies.

Coverage for liability – This coverage provides protection from damage that occurs to a person or their property in an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things like repair bills for other people’s vehicles, emergency aid, pain and suffering, medical services and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision – Collision coverage pays for damage to your Fit EV resulting 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 like sustaining damage from a pot hole, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as funeral costs, hospital visits, ambulance fees and doctor visits. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2013 Honda Fit EV.

Because many people only purchase the least amount of liability that is required, 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.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as falling objects, theft, vandalism, a tree branch falling on your vehicle and hail damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Be a penny pincher

In this article, we presented a lot of information how to compare 2013 Honda Fit EV insurance prices online. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the best price on car insurance is with some of the lesser-known companies. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

The cheapest insurance is available on the web and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who do not offer online price quotes and many times these smaller companies only sell through independent insurance agents.

Much more information about car insurance is available on the following sites: