Cheapest Insurance for a Honda Fit in San Francisco

Insurance rates Honda Fit in San FranciscoTrying to find better insurance prices for a Honda Fit in California can normally be a lot of work, but you can learn these tips to make it easier. There are more efficient ways to shop for car insurance and you need to know the quickest way to get price quotes for a Honda and get the best price possible from both online companies and San Francisco agents.

A study showed that the vast majority of consumers have bought car insurance from the same company for well over three years, and just short of a majority have never compared rates to find affordable insurance. U.S. insurance shoppers can save roughly 46.5% each year just by comparing rates, but they won’t spend time to compare rate quotes online.

If you already have coverage or just want cheaper coverage, you can use this information to lower your rates without sacrificing coverage. Locating the cheapest policy in San Francisco is easy to do. Shoppers just have to know the most time-saving way to get comparison rates from many different companies.

Getting more affordable car insurance pricing is pretty simple and can save money. Just take a few minutes to compare rate quotes to see which company has cheaper San Francisco car insurance quotes.

The providers in the list below provide quotes in California. If several companies are displayed, we recommend you visit as many as you can in order to get a fair rate comparison.

Insurance statistics for a Honda Fit

The table displayed below covers detailed analysis of insurance prices for Honda Fit models. Learning as much as possible about how policy premiums are established can aid in making smart choices when purchasing an insurance policy.

Honda Fit Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fit $302 $632 $300 $18 $90 $1,342 $112
Fit Sport $346 $632 $300 $18 $90 $1,386 $116
Fit Sport VSA $346 $744 $300 $18 $90 $1,498 $125
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rate quotes do not factor in specific San Francisco garaging location which can impact price quotes substantially.

Physical damage deductible comparison

One of the hardest decisions when shopping for insurance is at what level do you set your deductibles. The comparisons below can help show how much more rates are between low and high physical damage deductibles. The first rate estimation uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.

Honda Fit insurance policy 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 policy 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
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Prices 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, claim-free, homeowner, and multi-policy. Table data does not factor in garaging location in San Francisco which can influence prices substantially.

Using the premium rates above, we can conclude that using a $250 deductible would cost the average driver about $31 more each month or $372 annually than choosing the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 24 months between claim filings, you would save money if you decide on a higher deductible.

How to decide to raise your deductibles

Average monthly premium for $250 deductibles: $113
Average monthly premium for $1,000 deductibles (subtract): – $82
Monthly savings from raising deductible: $31
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

The example below illustrates how your choice of deductibles and can raise or lower Honda Fit annual premium costs for different age groups. The premium estimates are based on a married female driver, comp and collision included, and no discounts are factored in.

Buying the right Honda vehicle insurance in California is an important decision

Despite the high insurance cost for a Honda Fit in San Francisco, insurance may be mandatory for several reasons.

The benefits of carrying enough insurance more than offset the price you pay, particularly if you ever have a claim. Today the average American driver is overpaying over $869 every year so we recommend shopping around at every policy renewal to help ensure money is not being wasted.

What Determines Honda Fit Insurance Premiums?

Part of the insurance buying process is learning some of the factors that come into play when calculating insurance rates. If you have a feel for what influences your rates, this allows you to make educated decisions that may result in much lower annual insurance costs. Many different elements are part of the equation when you get a price on insurance. Some factors are common sense such as your driving history, although some other factors are not as apparent like where you live or your vehicle rating.

What are good liability insurance limits? – Liability coverage will provide protection if ever a jury decides you are liable for damages from an accident. It provides for a legal defense to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.

Car features impact rates – Selecting a car model with a theft deterrent system can earn a premium discount. Advanced theft deterrents such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent vehicle theft.

High credit scores equal low rates – Credit history can be a huge factor in determining premium rates. If your credit score can be improved, you could potentially save money when insuring your Honda Fit by spending a little time repairing your credit. People that have excellent credit scores tend to be better risks to insure than drivers with poor credit scores.

Safer vehicles means better premiums – Vehicles with good safety scores can get you lower premiums. The safest vehicles reduce injuries and fewer serious injuries translates directly to fewer claims passed on to you as lower rates.

High performance equals high prices – The make and model of the car you own makes a substantial difference in your premium level. The lowest premiums are for lower performance four cylinder passenger cars, but the final cost of insurance is determined by many other factors.

The chart below assumes a single female driver age 40, full coverage with $500 deductibles, and no discounts or violations. It compares Honda Fit insurance rates compared to other makes and models that have a range of performances.

Honda Fit insurance claim data – Insurers use past insurance losses to help set a rate to offset losses. Models that the data determines to have high amounts or severity of claims will cost more for specific coverages. The table below outlines the collected loss data for Honda Fit vehicles.

For each coverage type, the loss probability for all vehicles, regardless of make or model, is a value of 100. Percentage numbers below 100 are indicative of better than average losses, while values over 100 indicate more frequent claims or larger claims.

Insurance Loss Ratings for Honda Fit Vehicles
Specific Honda Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Honda Fit 89 78 90 99 97 92

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Do I need special coverages?

When choosing insurance from an agent or online, there really is no one size fits all plan. Everyone’s needs are different so your insurance needs to address that.Safe vehicles cost less to insure
For example, these questions may help you determine if your insurance needs may require specific advice.

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Quote often and quote early

As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. In many cases, an accident victim reduced comprehensive coverage or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase plenty of coverage for the lowest cost, not the least amount of coverage.

You just read a lot of tips how to find cheap Honda Fit insurance in San Francisco. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. Consumers may even find the best price on car insurance is with a small mutual company. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as GEICO and State Farm.

How to find cheaper quotes for Honda Fit insurance in San Francisco

It takes a few minutes, but the best way to find cheaper quotes for Honda Fit insurance in San Francisco is to do a yearly price comparison from companies who provide car insurance in California. Prices can be compared by following these steps.

  1. Read about the coverage provided by your policy and the modifications you can make to prevent expensive coverage. Many rating criteria that cause rate increases such as at-fault accidents and a less-than-favorable credit score can be eliminated by paying attention to minor details.
  2. Request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from one company like Progressive or State Farm, while independent agents can provide rate quotes for a wide range of companies.
  3. Compare the new quotes to the premium of your current policy to see if switching to a new carrier will save money. If you can save money and make a switch, make sure there is no coverage gap between policies.
  4. Give proper notification to your current agent or company of your intention to cancel your current auto insurance policy and submit payment along with a signed and completed policy application for your new coverage. When you receive it, place your new proof of insurance certificate with your vehicle’s registration.

An important note is that you use identical coverages on every quote and and to get price quotes from as many carriers as you can. Doing this ensures a fair rate comparison and the best rate selection.

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