Best Quotes for Honda Fit Insurance in Raleigh

Discount Honda Fit insuranceIf saving money is your primary concern, then the best way to get affordable auto insurance rates in Raleigh is to compare prices once a year from providers that sell auto insurance in North Carolina.

  1. Get an understanding of coverages and the changes you can make to keep rates down. Many rating criteria that result in higher prices such as traffic tickets, fender benders, and an imperfect credit score can be rectified by improving your driving habits or financial responsibility. Keep reading for more details to prevent expensive rate increases and find discounts that you may qualify for.
  2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive and State Farm, while independent agencies can quote rates for many different companies.
  3. Compare the new rate quotes to your existing rates and determine if there is any savings. If you can save money and decide to switch, make sure coverage is continuous and does not lapse.
  4. Give proper notification to your current agent or company to cancel your existing policy and submit any necessary down payment along with the completed application for your new policy. Immediately upon receiving it, keep your new certificate verifying proof of insurance in your glove compartment.

A valuable tip to remember is to try to use similar coverage information on each price quote and and to get rate quotes from every insurance company. This guarantees an apples-to-apples comparison and maximum price selection.

We don’t have to tell you that insurance companies want to prevent you from shopping around. Insureds who compare rates annually are very likely to move their business because the odds are good of finding better rates. A recent survey discovered that people who compared prices regularly saved $3,450 over four years compared to drivers who never shopped for cheaper rates.

If finding the cheapest rates on car insurance in Raleigh is your ultimate target, then having a grasp of the best way to compare auto insurance can help you be more efficient.

Finding Honda Fit insurance in Raleigh, North Carolina

All major insurance companies like State Farm and Allstate allow consumers to get price estimates directly from their websites. Comparing Honda Fit insurance rates online is pretty painless as you simply type in your personal and coverage information into the form. Once entered, their quoting system will order reports for credit and driving violations and returns a price determined by many factors. The ability to get online rate quotes for Honda Fit insurance in Raleigh makes it easy to compare insurance prices and it’s necessary to have as many quotes as possible in order to get a better rate.

To quickly fill out one form to compare multiple rates now, take a look at the companies shown below. If you have coverage now, it’s recommended that you enter deductibles and limits as close as possible to your current policy. This ensures you will be getting a price comparison for exact coverage.

The providers in the list below can provide free rate quotes in North Carolina. If you want cheap car insurance in Raleigh, NC, we suggest you visit as many as you can to get the most competitive price.

Don’t neglect these discounts

Auto insurance companies don’t always list every discount available very well, so the list below contains some of the best known and also the more inconspicuous insurance savings.Insurance discounts

A little note about advertised discounts, most discount credits are not given to the entire cost. Some only apply to the cost of specific coverages such as medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

The illustration below illustrates the comparison of Honda Fit auto insurance rates with and without discounts being applied to the rates. The premium estimates are based on a female driver, no claims or driving violations, North Carolina state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, homeowner, claim-free, and safe-driver discounts applied.

Larger insurance companies and a summarized list of policyholder discounts can be found below.

When getting a coverage quote, ask all the companies which discounts can lower your rates. Some of the discounts discussed earlier might not be offered everywhere.

Detailed insurance information

The data table shown below showcases different rate quotes for Honda Fit models. Having a better understanding of how auto insurance prices are calculated can assist in making informed coverage decisions.

Honda Fit Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fit $100 $230 $214 $12 $64 $620 $52
Fit Sport $114 $230 $214 $12 $64 $634 $53
Fit Sport VSA $114 $272 $214 $12 $64 $676 $56
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Table data does not factor in zip code location which can impact price quotes noticeably.

Policy deductibles

One of the hardest decisions when shopping for insurance is what deductibles to buy. The rates below illustrate how much more rates are between low and high physical damage coverage deductibles. The first pricing table uses a $100 deductible for comp and collision and the second pricing table uses a $500 deductible.

Honda Fit insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fit $186 $386 $164 $10 $50 $821 $68
Fit Sport $214 $386 $164 $10 $50 $849 $71
Fit Sport VSA $214 $456 $164 $10 $50 $919 $77
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Honda Fit insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fit $136 $262 $164 $10 $50 $622 $52
Fit Sport $156 $262 $164 $10 $50 $642 $54
Fit Sport VSA $156 $308 $164 $10 $50 $688 $57
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Prices do not factor in specific garaging location which can decrease or increase price quotes considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you about $18 more each month or $216 for a full year than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally average at least 22 months between claims, you would probably be better off by going with a higher deductible.

Gender-based insurance rates in Raleigh

The illustration below compares Honda Fit auto insurance costs for male and female drivers. The rates are based on no claims or driving citations, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are applied to the premium.

Honda Fit full coverage rates compared to liability only

The example below shows the comparison of Honda Fit car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in North Carolina. Data assumes no violations or accidents, $500 deductibles, single marital status, and no discounts are applied.

When to drop comp and collision

There is no clear-cut formula to exclude comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of coverage is 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let’s pretend your Honda Fit settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $7,000 after you pay the deductible. If you are currently paying more than $700 a year for full coverage, then it may be the right time to buy liability only.

There are some conditions where dropping physical damage coverage is not a good plan. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not opt for liability only.

Local neighborhood insurance agents

Many people still like to buy from a local agent and that can be a smart move Professional insurance agents can point out coverage gaps and help file insurance claims. The biggest benefit of comparing rates online is that drivers can save money and get cheaper car insurance rates and still have an agent to talk to. Supporting neighborhood agents is important especially in Raleigh.

Raleigh insurance agentsFor easy comparison, once you complete this form (opens in new window), the coverage information gets sent to insurance agents in Raleigh that give free quotes for your coverage. You won’t even need to drive around since price quotes are sent to the email address you provide. If you wish to get a rate quote from one company in particular, don’t hesitate to search and find their rate quote page and give them your coverage information.

Below are agents in Raleigh that may be willing to give rate quotes for Honda Fit insurance in Raleigh.

5011 Falls of Neuse Rd ARaleigh, NC 27609(919) 862-1300View Map

1025 Bullard CtRaleigh, NC 27615(919) 875-8889View Map

2308 Wake Forest RdRaleigh, NC 27608(919) 832-5832View Map

9204 Falls of Neuse Rd Ste 100Raleigh, NC 27615(919) 329-2580View Map

View more Raleigh agents

Choosing a insurer should include more criteria than just the premium amount. Here are some questions you should ask.

After getting answers to your satisfaction for all questions you ask and affordable Honda Fit insurance rates in Raleigh quotes, you have narrowed it down to an provider that will properly insure your vehicles.

When do I need an agent’s advice?

Always remember that when buying proper insurance coverage for your vehicles, there really is not a one-size-fits-all type of policy. Your needs are not the same as everyone else’s so your insurance needs to address that.Higher deductibles save money
For instance, these questions might point out whether your personal situation may require specific advice.

If you’re not sure about those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Learn How to Lower Your Insurance Costs

Smart consumers have a good feel for the factors that help calculate the price you pay for auto insurance. When you know what positively or negatively positively or negatively impacts your premiums, this empowers consumers to make smart changes that could help you find much lower annual insurance costs. Lots of factors are part of the equation when premium rates are determined. Some are pretty understandable such as your driving history, but other criteria are more transparent like your vehicle usage or your financial responsibility.

The factors shown below are some of the items used by your company to calculate rates.

Three reasons to not skimp on insurance

Despite the high cost, insuring your vehicle may be required and benefits you in several ways.

The benefits of insuring your car definitely exceed the price paid, particularly if you ever have a claim. Despite what companies tell you, the average driver overpays as much as $820 a year so compare rate quotes at least once a year to be sure current rates are still competitive.

Auto insurance companies ranked

Finding a high-quality company is difficult considering how many choices drivers have in Raleigh. The rank data shown next can help you analyze which insurers you want to consider when comparing rate quotes.

Top 10 Raleigh Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

A conclusion for your car insurance search

More affordable car insurance in Raleigh is attainable both online in addition to local insurance agencies, so you should compare both to have the best chance of lowering rates. Some insurance providers do not provide online quoting and these smaller companies sell through independent insurance agents.

You just read a lot of techniques to compare Honda Fit insurance rates in Raleigh. The key concept to understand is the more price quotes you have, the higher your chance of finding low cost Raleigh car insurance quotes. You may even find the most savings is with some of the lesser-known companies. Regional companies can often provide lower auto insurance rates in certain areas than their larger competitors like State Farm, GEICO and Nationwide.

More information is located at the links below