Finding the cheapest insurance for a new or used Honda Fit in Texas can turn out to be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to find auto insurance online and we’ll show you the absolute fastest way to price shop coverage for a Honda and locate the lowest price.
Discounts are basically free money
Car insurance companies don’t always list every discount very clearly, so here is a list both well-publicized and the harder-to-find discounts you could be receiving.
- Homeowners Pay Less – Being a homeowner can save you money because owning a home demonstrates responsibility.
- Drive Safe and Save – Safe drivers can pay as much as 50% less on Fit coverage than drivers with accident claims.
- Auto/Life Discount – Companies who offer life insurance give a break if you buy a life insurance policy as well.
- Payment Method – By paying your policy upfront rather than paying monthly you could save up to 5%.
- Student in College – Children living away from home attending college and do not have a car can receive lower rates.
- Defensive Driving Course – Taking part in a course in driver safety could possibly earn you a 5% discount if you qualify.
- Military Rewards – Being on active duty in the military may qualify for rate reductions.
- Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
It’s important to understand that some credits don’t apply to the overall cost of the policy. Some only apply to specific coverage prices like liability and collision coverage. So when the math indicates it’s possible to get free car insurance, you won’t be that lucky.
To see a list of providers who offer auto insurance discounts in Texas, follow this link.
Which Auto Insurance is Cheapest in Texas?
The are a couple different ways to compare quotes from auto insurance companies in your area. The best way to compare insurance prices consists of obtaining rate quotes online. This can be accomplished using a couple different methods.
The best way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This form eliminates the need for separate quotes to each individual auto insurance company. Completing one form will get you rate comparisons from multiple companies. Recommended for those who want to invest the least amount of time.
A less efficient way to compare rate quotes requires a visit to each company’s website and fill out their own quote form. For instance, let’s assume you want rates from Liberty Mutual, GEICO and Allstate. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.
For a handy list of car insurance company links in your area, click here.
The least efficient method of getting rate comparisons is driving to local insurance agencies. Shopping for auto insurance online can eliminate the need for a local agent unless you require the professional guidance that only a license agent can provide. It is possible to get prices online but buy from a local insurance agent and we’ll touch on that later.
It’s up to you which method you use, but be sure to compare exactly the same deductibles and coverage limits with every price quote. If you enter mixed coverages then you won’t be able to find the best deal for your Honda Fit. Slightly different coverage limits may result in a large different in cost. It’s important to know that obtaining a wide range of quotes helps locate a better price.
Compare but don’t skimp
Consumers change insurance companies for a variety of reasons including delays in responding to claim requests, questionable increases in premium, policy non-renewal or being labeled a high risk driver. Whatever your reason, switching auto insurance companies can be pretty painless.
As you prepare to switch companies, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where an insured cut comprehensive coverage or liability limits only to regret that the few dollars in savings costed them thousands. The aim is to get the best coverage possible at a price you can afford, not the least amount of coverage.
Low-cost Honda Fit insurance is attainable both online as well as from independent agents in Texas, and you need to price shop both to have the best rate selection. Some auto insurance companies don’t offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.