Honda Fit Insurance Quotes in Long Beach

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Would you like to stop wasting money and find lower-priced Honda Fit insurance in Long Beach? Have you had enough of not being able to scrape enough together to pay auto insurance each month? You are no different than many other consumers in California.

Insurance quote for Honda Fit in Long BeachIt's a known fact that auto insurance companies don't want you comparing rates. Insureds who get price quotes annually will presumably switch companies because there is a great chance of getting low-cost coverage. A recent study showed that drivers who routinely compared quotes saved about $865 annually compared to drivers who never shopped around for better prices.

If finding the cheapest rates on Honda Fit insurance is your objective, then having an understanding of how to choose a company and compare insurance can help you succeed in finding affordable rates.

How to buy affordable Honda Fit insurance in Long Beach

Truthfully, the best way to find lower priced Honda Fit insurance is to compare quotes once a year from different companies who can sell car insurance in Long Beach. Price quotes can be compared by completing these steps.

  • Step 1: Try to comprehend how companies price auto insurance and the factors you can control to keep rates low. Many rating criteria that cause high rates like at-fault accidents, speeding tickets, and an imperfect credit history can be controlled by improving your driving habits or financial responsibility.
  • Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from one company like Progressive and State Farm, while independent agents can provide prices from multiple sources.
  • Step 3: Compare the quotes to your existing coverage to see if you can save by switching companies. If you can save money and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
  • Step 4: Provide written notification to your current company of your intent to cancel your current coverage. Submit payment along with a signed and completed policy application to your new agent or company. As soon as you have the new policy, place your new proof of insurance certificate along with your vehicle registration.

The most important part of shopping around is to try to compare identical limits and deductibles on every price quote and and to look at as many car insurance companies as possible. Doing this enables an apples-to-apples comparison and a better comparison of the market.

Multiple insurers compete for your insurance dollar, and because of this it can be hard to compare insurance companies to find the absolute lowest rate possible on Honda Fit insurance in Long Beach.

You need to check auto insurance prices yearly because rates fluctuate regularly. Just because you found the best premium rates on Honda Fit insurance in Long Beach last year there is a good chance you can find better prices now. Block out anything you think you know about auto insurance because I'm going to let you in on the secrets to one of the easiest ways to save money, get proper deductibles and limits, all at the lowest rate.

If you have a current insurance policy, you will surely be able to find the best rates using these methods. Locating the most cost-effective insurance policy in Long Beach is quite easy if you know the best way to do it. Nevertheless, California vehicle owners need to learn how big insurance companies compete online and take advantage of how the system works.

Honda Fit detailed coverage information

The rate table shown next outlines different coverage costs for Honda Fit models. Understanding more about how policy rates are figured helps drivers make smart choices when comparing insurance rates.

Honda Fit Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fit $332 $686 $292 $18 $88 $1,416 $118
Fit Sport $380 $686 $292 $18 $88 $1,464 $122
Fit Sport VSA $380 $810 $292 $18 $88 $1,588 $132
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Estimates do not factor in garaging location in Long Beach which can decrease or increase prices greatly.

Raise deductibles and save

A question often asked by Long Beach drivers is how high should the physical damage coverage deductibles be. The rates below can help illustrate the rate difference of buying low and high comp and collision deductibles. The first rate comparisons uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.

Honda Fit insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fit $298 $576 $292 $18 $88 $1,297 $108
Fit Sport $342 $576 $292 $18 $88 $1,341 $112
Fit Sport VSA $342 $678 $292 $18 $88 $1,443 $120
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Honda Fit insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fit $184 $362 $292 $18 $88 $944 $79
Fit Sport $210 $362 $292 $18 $88 $970 $81
Fit Sport VSA $210 $426 $292 $18 $88 $1,034 $86
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Information does not factor in Long Beach location which can impact coverage prices greatly.

Based on the data above, we can derive that using a $250 deductible costs approximately $31 more each month or $372 a year across all Honda Fit models than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 24 months between claim filings, you would more than likely save some money if you choose the higher deductible.

Auto insurance rates are higher with tickets and accidents

The chart below highlights how speeding tickets and fender-benders can drive up Honda Fit auto insurance costs for each age group. The rate quotes are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

Auto insurance rates by age and gender in Long Beach

The example below shows the comparison of Honda Fit auto insurance rates for male and female drivers. The costs are based on no violations or accidents, comprehensive and collision coverage, $250 deductibles, single marital status, and no discounts are taken into consideration.

Full coverage or liability only

The example below illustrates the comparison of Honda Fit insurance costs with liability coverage only compared to full coverage. The rate quotes are based on no accidents, no driving violations, $250 deductibles, single status, and no other discounts are factored in.

When to drop comp and collision

There is no clear-cut rule for dropping physical damage coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than about 10% of the vehicle's replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let's pretend your Honda Fit book value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $6,000 after the policy deductible has been paid. If it's costing in excess of $600 a year for full coverage, then you might consider buying liability only.

There are a few cases where buying only liability insurance is not a good idea. If you haven't paid off your loan, you have to carry full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.

Informed Drivers Save on Insurance

Multiple criteria are part of the calculation when you quote your car insurance policy. Some factors are common sense like your driving record, but other criteria are not as apparent such as whether you are married or how safe your car is. A large part of saving on insurance is knowing the rating factors that help calculate insurance rates. When you understand what influences your rates, this helps enable you to make changes that could help you find better insurance rates.

The itemized list below are some of the most common factors insurance companies consider when setting your rate level.

  • Save miles and save money - The more you drive your Honda in a year the higher your rates will be. A lot of companies price each vehicle's coverage based upon how much you drive. Cars and trucks left parked in the garage cost less to insure than those that get driven frequently. It's a good idea to make sure your policy properly reflects how each vehicle is driven. Improper usage on your Fit may be costing you.
  • Liability coverage - Liability insurance is the protection in the event that you are determined to be liable for personal injury or accident damage. It provides for a legal defense which can cost thousands of dollars. Liability is cheap compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • How old are your drivers? - Youthful drivers in California are proven to be more careless when at the wheel of a vehicle therefore insurance rates are much higher. Older insureds have been proven to be more responsible, tend to file fewer claims, and tend to be get fewer driving tickets.

    The chart below uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.

  • Low credit rating equals high premiums - Having a good credit history will be a significant factor in determining premium rates. Drivers who have very high credit ratings tend to be more responsible and file fewer claims than those with poor credit. So if your credit history could use some work, you could save money insuring your Honda Fit by taking the time to improve your credit score.
  • Is your vehicle theft-ready? - Buying a car with anti-theft technology or alarm system can help lower your premiums. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping vehicle theft.
  • Higher prices for specific occupations - Occupational choices like real estate brokers, business owners, and miners have the highest average rates due to intense work situations and lots of time spent at work. On the other hand, jobs such as professors, engineers and retirees have lower than average premiums.
  • Claims cost money - If you are the type of insured that files lots of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Companies in California give most affordable rates to insureds who are not frequent claim filers. Auto insurance is meant to be used in the event of the bigger claims that can't be paid out-of-pocket.
  • Lower premiums with continuous coverage - Not having insurance can get your license suspended and companies may charge more for letting your insurance lapse. Not only will rates go up, not being able to provide proof of insurance may result in a fine, jail time, or a revoked license. You may then have to submit proof of financial responsibility or a SR-22 with the California motor vehicle department to get your license reinstated.
  • Insurance loss data for a Honda Fit - Companies analyze claim trends for every vehicle as a tool for profitable underwriting. Vehicles that are shown to have a trend towards higher claim severity or frequency will cost more for specific coverages.

    The table shown below demonstrates the actual insurance loss data for Honda Fit vehicles. For each type of coverage, the claim probability for all vehicles, regardless of make or model, is set at 100. Percentage values below 100 are indicative of better than average losses, while percentage values above 100 indicate more frequent claims or statistically larger losses.

    Auto Insurance Loss Data for Honda Fit Models
    Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Honda Fit 89 78 90 99 97 92
    BETTER
    AVERAGE
    WORSE

    Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

California auto insurance companies

Insuring your vehicle with the right insurer is hard considering how many different insurance companies sell coverage in Long Beach. The ranking data in the next section can help you pick which car insurance providers you want to consider purchasing from.

Top 10 Long Beach Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance - 95%
  2. USAA - 94%
  3. AAA of Southern California - 92%
  4. AAA Insurance - 91%
  5. Nationwide - 90%
  6. State Farm - 90%
  7. The Hartford - 89%
  8. GEICO - 89%
  9. The General - 88%
  10. 21st Century - 88%

Cheaper car insurance rates are out there

We just presented many ways to save on Honda Fit insurance in Long Beach. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even be surprised to find that the most savings is with a small local company. They often have lower rates on specific markets as compared to the big name companies such as State Farm or Progressive.

Cheap Honda Fit insurance in Long Beach can be bought from both online companies as well as from insurance agents, so you need to shop Long Beach auto insurance with both to have the best selection. Some car insurance companies may not offer the ability to get a quote online and usually these smaller providers provide coverage only through independent insurance agents.

How to buy affordable Honda Fit insurance in Long Beach

If your goal is the lowest price, then the best way to get the cheapest Honda Fit insurance in Long Beach is to annually compare prices from different companies who provide auto insurance in California.

  1. Try to learn a little about the different coverages in a policy and the steps you can take to prevent high rates. Many risk factors that result in higher rates like speeding tickets, accidents and an imperfect credit score can be amended by improving your driving habits or financial responsibility.
  2. Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from a single company like GEICO and State Farm, while independent agents can provide prices for many different companies.
  3. Compare the new rate quotes to your existing rates and see if there is a cheaper rate in Long Beach. If you can save money and change companies, make sure there is no lapse in coverage.

A crucial key to this process is to make sure you're comparing identical coverages on each price quote and to quote with all possible companies. This helps ensure a level playing field and a good representation of prices.

More detailed car insurance information can be found by following these links: