Truthfully, the best way to find more affordable Honda Fit insurance in Fresno is to do a yearly price comparison from insurers who sell insurance in California. Drivers can shop around by following these guidelines.
First, take a few minutes and learn about the coverage provided by your policy and the measures you can control to keep rates in check. Many risk factors that result in higher prices such as traffic tickets, fender benders, and poor credit history can be rectified by making minor driving habit or lifestyle changes. Continue reading for more details to get lower rates and get discounts that may be available to you.
Second, request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from a single company like Progressive or Farmers Insurance, while agents who are independent can give you price quotes from multiple companies.
Third, compare the new rate quotes to your current policy to see if switching to a new carrier will save money. If you find a lower rate quote, make sure there is no coverage gap between policies.
The most important part of this process is that you’ll want to compare the same level of coverage on each quote and and to get prices from every insurance company. This ensures a fair rate comparison and a complete rate analysis.
We don’t have to point out that fact that insurance companies don’t want their policyholders to compare prices. Drivers who shop around for the cheapest rate will presumably switch companies because the odds are good of finding more affordable rates. A survey found that consumers who routinely compared rates saved over $3,500 over four years compared to other drivers who never compared other company’s rates.
If saving money on Honda Fit insurance is your target objective, then having some insight into the best ways to find and compare insurance premiums can help you be more efficient.
Buying cheaper policy in Fresno is quite easy. Just about anyone who is looking for cheaper car insurance will be able to cut their insurance bill. Nevertheless, California consumers can benefit from knowing the methods companies use to market insurance on the web because rates fluctuate considerably.
Companies offering Honda Fit insurance in California
The auto insurance companies shown below provide price quotes in California. If you wish to find cheaper auto insurance in Fresno, we recommend you click on several of them in order to find the cheapest rates.
Premium rates and analysis
The price information shown next highlights detailed analysis of coverage prices for Honda Fit models. Learning how rates are formulated is important for making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fit | $324 | $790 | $352 | $20 | $106 | $1,592 | $133 |
| Fit Sport | $372 | $790 | $352 | $20 | $106 | $1,640 | $137 |
| Fit Sport VSA | $372 | $930 | $352 | $20 | $106 | $1,780 | $148 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Prices do not factor in Fresno location which can revise coverage prices significantly.
Analysis of deductible levels
One frequently asked question is where to set your physical damage deductibles. The rates shown below can help illustrate the differences in premium rates between low and high comp and collision deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fit | $332 | $686 | $292 | $18 | $88 | $1,441 | $120 |
| Fit Sport | $380 | $686 | $292 | $18 | $88 | $1,489 | $124 |
| Fit Sport VSA | $380 | $810 | $292 | $18 | $88 | $1,613 | $134 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fit | $242 | $464 | $292 | $18 | $88 | $1,104 | $92 |
| Fit Sport | $278 | $464 | $292 | $18 | $88 | $1,140 | $95 |
| Fit Sport VSA | $278 | $546 | $292 | $18 | $88 | $1,222 | $102 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Price estimates do not factor in zip code location which can lower or raise coverage rates substantially.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you approximately $30 more each month or $360 annually than buying the higher $500 deductible. Since you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you average at least 13 months between claims, you would probably save some money if you choose a higher deductible.
Discount Fresno insurance quotes
Companies don’t always list all discounts in an easy-to-find place, so the following is a list of a few of the more common and the more hidden credits that may apply to you. If they aren’t giving you every credit available, you are just wasting money.
- Accident-Free Discounts – Insureds with no claims or accidents pay less as compared to policyholders that have many claims.
- Pay Now and Pay Less – If paying your policy premium upfront as opposed to paying monthly you can avoid the installment charge.
- Fresno Homeowners Discount – Owning a house in Fresno can earn you a little savings because it shows financial diligence.
- Drive Safe and Save – Drivers who avoid accidents may save up to 50% more compared to accident prone drivers.
- Theft Deterrent Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are less likely to be stolen and earn discounts up to 10% off your Fresno auto insurance quote.
It’s important to note that some of the credits will not apply to all coverage premiums. Most only reduce individual premiums such as medical payments or collision. So when it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.
The information below compares Honda Fit premium costs with and without discounts applied. The price estimates are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, claim-free, multi-car, marriage, and safe-driver discounts applied.
Auto insurance companies that may have these money-saving discounts are:
When comparing rates, check with every company what discounts are available to you. All car insurance discounts might not apply in Fresno.
How do Car Insurance Companies Determine Honda Fit Insurance Costs?
A large part of saving on insurance is knowing the factors that go into determining the rates you pay for insurance. If you have some idea of what determines premiums, this empowers consumers to make smart changes that may result in much lower annual insurance costs.
Don’t skimp on liability – Your policy’s liability coverage provides coverage when you are responsible for damages caused by your negligence. This coverage provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so do not skimp.
Do you really need roadside assistance? – There are quite a few add-on coverages that can waste your money on your insurance policy. Coverages like personal injury protection, high-cost glass coverage, and Farm Bureau memberships may not be needed and are just wasting money. They may sound like good ideas when discussing your needs, but if you have no use for them remove them from your policy.
What’s your car’s IIHS safety rating? – Safe vehicles tend to have better insurance rates. The safest vehicles reduce the chance of injuries and fewer serious injuries translates into savings for insurance companies and cheaper rates on your policy. If your Honda has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
Optional features that lower rates – Owning a car with an alarm system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart car theft.
High credit history translates to low prices – A driver’s credit history is a big factor in determining what you pay for insurance. If your credit history can be improved, you could pay less to insure your Honda Fit by improving your credit score. Drivers who have good credit tend to file fewer claims than drivers who have poor credit.
Gender as a rate factor – Over the last 50 years, statistics have shown that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. They both cause auto accidents at a similar rate, but males have costlier accidents. They also have more aggressive citations like driving under the influence (DUI).
The chart below shows the comparison of Honda Fit premium costs for male and female drivers. The premiums are based on a clean driving record, no claims, full coverage, $1,000 deductibles, drivers are single, and no other discounts are factored in.
City dwellers may pay more – Being located in small towns and rural areas may provide you with better prices when shopping for auto insurance. Drivers in populated areas regularly have much more traffic and higher rates of accident claims. Less people living in that area means fewer accidents and also fewer theft and vandalism claims.
Rates and job – Careers like fire fighters, social workers, and dentists have higher premium rates due to intense work-related stress and lengthy work days. On the flip side, occupations like farmers, athletes and the unemployed pay the least.
Insurance loss statistics a Honda Fit – Insurers use historical loss data to help calculate a profitable premium price. Models that historically have higher frequency or amount of claims will cost more for specific coverages.
The data below shows the compiled insurance loss statistics for Honda Fit vehicles. For each type of coverage, the claim probability for all vehicles, as an average, equals 100. Numbers below 100 imply a favorable loss record, while numbers above 100 point to more frequent losses or an increased probability of a larger loss.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Honda Fit | 89 | 78 | 90 | 99 | 97 | 92 |
Statistics from IIHS.org for 2013-2015 Model Years
When to get professional advice
When buying insurance from an agent or online, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed.
For example, these questions might point out if your insurance needs may require specific advice.
- Is my camper covered by my car insurance policy?
- What does medical payments cover?
- Do I need PIP coverage since I have good health insurance?
- How can I get high-risk coverage after a DUI?
- Do I need motorclub coverage?
- Do I really need UM/UIM coverage?
- What happens if I owe more than my Honda Fit is worth?
If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.
Insurance agents near you
Some people prefer to go talk to an agent and that is recommended in a lot of cases One of the best bonuses of getting online price quotes is the fact that drivers can get better rates and still choose a local agent. Buying from neighborhood insurance agencies is especially important in Fresno.
By using this form (opens in new window), your insurance data is emailed to participating agents in Fresno that provide free Fresno auto insurance quotes to get your business. It’s much easier because you don’t need to contact any agents due to the fact that quote results will go to your email. You can find lower rates without requiring a lot of work. If you want to quote rates from one company in particular, don’t hesitate to find their quoting web page and complete a quote there.
Choosing the best insurance company requires you to look at more than just a cheap price quote. Agents should be asked these questions:
- Is there any savings for paying the full premium?
- Are they able to provide referrals?
- Do they have 24-hour customer assistance?
- Is the agency involved in supporting local community causes?
- What is the financial rating for the quoted company?
After talking to the agent and getting positive responses to these questions as well as a affordable price, most likely you have located an insurance company that meets the requirements to properly service your auto insurance policy. But remember, it’s your policy and you can terminate your policy for any reason so don’t think you’re contractually obligated to any specific company with no way to switch.
More comparisons equals affordable rates
We just showed you some good ideas how you can lower your Honda Fit insurance rates in Fresno. The key thing to remember is the more rate quotes you have, the better likelihood of getting the cheapest Honda Fit rate quotes. Consumers may even find the biggest savings come from a small local company. These smaller insurers may only write in your state and offer lower car insurance rates than their larger competitors like Allstate, GEICO and Progressive.
Some auto insurance companies do not offer price quotes online and many times these small insurance companies prefer to sell through independent agents. Discount Honda Fit insurance is attainable online as well as from insurance agents, and you need to price shop both in order to have the best chance of saving money.
When shopping online for auto insurance, it’s very important that you do not skimp on coverage in order to save money. There are many occasions where someone dropped comprehensive coverage or liability limits only to discover later that it was a big error on their part. Your objective should be to purchase plenty of coverage at the best cost while not skimping on critical coverages.
Other resources
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- How Much is Fresno Auto Insurance for a Hyundai Elantra? (FAQ)
- Who Has Cheap Fresno Auto Insurance Rates for High School Students? (FAQ)
- Neck Injury FAQ (iihs.org)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)