Car Insurance Quotes for the Honda Fit

Your subcompact Honda Fit will let you navigate narrow roads with ease and squeeze into parking spots that are just too tight for other vehicles — as soon as you get it insured with an auto insurance policy. The cost of this coverage will be somewhere between $114 and $150 per month, but you’ll need it in order to drive your car legally.

To get a more exact quote for how much it will cost to insure your vehicle, reach out to Freeway Insurance. Our expert agents will help you decipher the code for getting the cheapest car insurance based on your needs and budget.

One of the major factors in the cost of your premiums is the coverage options you select. There are several types of car insurance coverage, and you and your agent will have to discuss which is best for your situation. Two that will surely come up are full coverage and state minimum liability.

Full Coverage

A full coverage policy is the best protection you can get for you and your Honda Fit. It will cover damage to your vehicle, even in cases where the other driver is uninsured or if you were at fault. For an average of $150, you’ll also be entitled to reimbursement for non-accident-related damages to your car. For example, during a hurricane, if your vehicle gets dented by flying debris, your insurer will cover the cost.

State Minimum Liability

Minimum liability coverage is on the other end of the spectrum. It is the basic amount of coverage you need by law to operate your vehicle on public roads. Every state has its own limits, so where you live will heavily affect your premium amount, but the national average for a Honda Fit is $114 per month.

To give you an idea of what this type of policy covers, to obtain car insurance in Georgia, you will have to purchase bodily injury protection of $25,000 per person and $50,000 per accident if you injure someone while driving, as well as $25,000 for property damage per accident. Although the cost is attractive, you can see that the coverage is minimal. In an accident, there can be damages well over these limits, and you would have to pay for the balance that exceeds your coverage out of pocket.

Insurers will look at different details about your vehicle, where you live, and what type of driver you are before quoting you a price for auto coverage. The following are some of the particulars they’ll review:

Deductible

When you get into an accident, you typically have a deductible, which is a pre-determined amount of money you pay before your insurer starts covering costs. For example, if you have a $500 deductible and are at fault for an accident that causes $200 in damage, you’ll have to pay the full $200 out of pocket. If the damage is $2,000, you would pay the first $500, and the insurer would pay $1,500.

You get to choose your deductible amount. The higher the deductible you choose, the lower your monthly payments will be because it will mean your insurer pays less if you’re ever in an accident.

Your Driving Record

While there’s no guarantee that your previous driving habits will continue into the future, insurers strongly consider your driving history when determining your rates. The cleaner your record, the less they’ll charge you for coverage.

Where You Live

Every zip code has different theft and accident rates. Repair costs also vary by location. Due to these variables, your insurer’s liability has a lot to do with conditions in your locality, which is why they base your premium amount on where you live.

It’s never safe to drink and drive — even if you’re only driving a block or two. If you get caught and are found guilty of driving under the influence, insurance companies will designate you as a high-risk driver. For the foreseeable future, your premiums will increase to well above what you’re accustomed to paying, and state law may require you to file an SR-22 certificate, depending on where you live.

The Honda Fit was sold in the U.S. from model years 2007 through 2020. This subcompact hatchback is ideal for driving and parking in busy cities or narrow streets. It is a well-priced vehicle that gives drivers all the basics, and it is an excellent option for small families since it provides plenty of room for passengers and storage for a car its size.