Save Money on Honda Fit Insurance in San Antonio

Purchasing the most affordable San Antonio Honda Fit insurance quotes over the internet might appear somewhat difficult for drivers not familiar with online price comparisons. With dozens of insurance companies available, how can you have a chance to compare all the different companies and get the best available rates?

It goes without saying that insurance companies don’t want you comparing rates. Consumers who get price quotes annually will, in all likelihood, switch companies because of the high probability of finding coverage at a more affordable price. A survey found that drivers who regularly compared rates saved about $3,400 over four years compared to policyholders who never compared other company’s rates.

If finding the best price on car insurance is your objective, then learning a little about how to compare car insurance can help you succeed in finding affordable rates.

It’s a good idea to take a look at other company’s rates as often as possible because car insurance prices change quite often. If you had the best rates on Honda Fit insurance in San Antonio a few years ago you can probably find a better rate quote now. You can find a lot of information about Fit insurance on the web, but in a few minutes you can learn the easiest ways to lower your car insurance rates in San Antonio.

If you are paying for car insurance now, you will most likely be able to find the best rates using this information. The goal of this article is to introduce you to the best way to quote coverages. But Texas car owners should learn the way insurance companies calculate their prices because it can help you find the best coverage.

How to get free Honda Fit insurance quotes online

Most of the larger companies give coverage price quotes on the web. This process can be done by anyone as you simply enter your coverage information as requested by the quote form. Once entered, their quoting system will obtain reports for credit and driving violations and generates a price based on the data you entered.

Using the web to get price quotes for Honda Fit insurance in San Antonio simplifies rate comparisons, and it is imperative to have as many quotes as possible in order to find a better rate.

To save time and fill out one form to compare multiple rates now, take a look at the companies shown below. To compare your current rates, we recommend you duplicate your coverages exactly as they are listed on your policy. Using the same limits helps guarantee you will have comparison quotes based on the exact same insurance coverage.

The companies shown below can provide free quotes in Texas. If more than one company is shown, it’s highly recommended you visit several of them in order to find the most competitive rates.

You may qualify for discounts for Honda Fit insurance in San Antonio

Buying car insurance is not cheap, but there’s a good chance there are discounts that can help lower your rates. Many discounts should be triggered when you get a quote, but some need to be requested specifically before being credited. If you don’t get every credit possible, you could be paying more than you need to.

• Anti-lock Brakes – Cars and trucks with ABS and/or traction control can stop better under adverse conditions so companies give up to a 10% discount.
• Theft Deterrent – Cars and trucks optioned with advanced anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
• Sign Early and Save – A few larger companies give discounts for switching policies early. This can save 10% or more.
• Multiple Vehicles – Buying insurance for more than one vehicle with the same company can reduce the rates for all insured vehicles.
• Professional Organizations – Affiliation with a civic or occupational organization in San Antonio may earn a discount when getting a San Antonio auto insurance quote.
• Life Insurance Discount – Select insurance companies reward you with lower car insurance rates if you buy auto and life insurance together.
• Paper-free Discount – Many car insurance companies will provide an incentive for buying a policy and signing up on your computer.
• Save with a New Car – Buying a new car instead of a used Fit can save up to 30% since new vehicles have better safety ratings.
• Pay Upfront and Save – By paying your entire bill at once rather than paying in monthly installments you can avoid the installment charge.
• Defensive Driving Course – Participating in a course teaching defensive driver skills could cut 5% off your bill and make you a better driver.

Just know that some credits don’t apply to your bottom line cost. Some only reduce specific coverage prices like medical payments or collision. Even though it appears adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

The information below shows the difference between Honda Fit insurance premiums with and without discounts being applied to the rates. The price estimates are based on a female driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, safe-driver, marriage, and multi-policy discounts applied.

A list of car insurance companies and some of their more popular discounts are shown below.

• Progressive includes discounts for online signing, multi-policy, multi-vehicle, good student, and homeowner.
• MetLife may offer discounts for multi-policy, defensive driver, claim-free, good student, and good driver.
• Mercury Insurance policyholders can earn discounts including annual mileage, ease of repair, multi-car, type of vehicle, accident-free, location of vehicle, and age of vehicle.
• Nationwide offers discounts including Farm Bureau membership, accident-free, business or organization, easy pay, anti-theft, good student, and multi-policy.
• GEICO has savings for air bags, anti-lock brakes, five-year accident-free, defensive driver, emergency military deployment, military active duty, and daytime running lights.
• AAA has discounts for anti-theft, pay-in-full, education and occupation, good driver, and AAA membership discount.

Before purchasing a policy, check with each insurance company the best way to save money. Depending on the company, some discounts may not be available in San Antonio.

Rates and statistics

The price information displayed below outlines estimates of insurance premium costs for Honda Fit models. Understanding how insurance premiums are calculated can assist in making smart choices when purchasing an auto insurance policy.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Prices do not factor in vehicle location which can influence coverage prices noticeably.

An analysis of deductible level

When shopping for insurance, a common question is where should you set your physical damage deductibles. The comparisons below may help you to understand the rate difference between low and high deductibles. The first rate estimation uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Table data does not factor in vehicle garaging location which can increase or decrease insurance rates noticeably.

Based on these figures, using a $250 deductible will cost you roughly $15 more each month or $180 each year than requesting the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 17 months between claims, you would save money by selecting a higher deductible.

One important note is that higher deductibles results in having to pay to pay more out-of-pocket when you have a claim. That will require some extra savings in the event you need to pay more to get your vehicle repaired.

The information below demonstrates how deductibles and can affect Honda Fit insurance costs for different age groups of insureds. The costs are based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.

Neighborhood agents and auto insurance

Some people still like to visit with an insurance agent and we recommend doing that One of the best bonuses of price shopping on the web is that you can obtain cheap auto insurance rates but still work with a licensed agent. Supporting neighborhood agents is still important in San Antonio.

By using this quick form, the quote information is emailed to local insurance agents in San Antonio that provide free San Antonio auto insurance quotes for your business. You don’t have to drive around as quotes are delivered directly to you. You’ll get the best rates without a big time investment. If you wish to get a comparison quote from a particular provider, don’t hesitate to go to their quote page and fill out their quote form.

Types of auto insurance agents in San Antonio

When searching for a local San Antonio insurance agency, you need to know there are two different types of agencies that differ in how they can insure your vehicles. Insurance agencies in San Antonio are considered either exclusive agents or independent agents.

Independent Auto Insurance Agents (or Brokers)

These agents do not have single company limitations and that allows them to write policies amongst many companies and find the cheapest rate. If premiums increase, they simply move your policy to a different company without you having to go to a different agency. When searching for an agent, you will want to get some free quotes from multiple independent agents for the best price selection. Many independent agencies also insure through mutual insurance companies that may provide cheaper auto insurance rates.

Shown below is a short list of independent agencies in San Antonio that may be able to give competitive price quotes.

• Ellis Insurance Agency
  15335 San Pedro Ave – San Antonio, TX 78232 – (210) 979-9000 – View Map
• Legion Insurance Agency
  5309 Wurzbach Rd – San Antonio, TX 78230 – (210) 693-1501 – View Map
• Mesquite Insurance Agency
  501 W Quincy St – San Antonio, TX 78212 – (210) 472-3034 – View Map

View more San Antonio agents

Exclusive Agents

These agents generally can only insure with one company like State Farm, AAA, and Liberty Mutual. They generally cannot provide other company’s prices so if the price isn’t competitive there isn’t much they can do. Exclusive agents are highly trained in insurance sales which helps them sell on service rather than price. Some people will only use the same exclusive agent partially due to the brand instead of buying on price only.

Listed below are San Antonio exclusive insurance agents willing to provide price quote information.

• Mary Ellen Jablonski – State Farm Insurance Agent
  2606 TPC Pkwy #107 – San Antonio, TX 78259 – (210) 829-1778 – View Map
• Raul Benavides III – State Farm Insurance Agent
  6900 San Pedro Ave #135 – San Antonio, TX 78216 – (210) 824-5724 – View Map
• Chuck Laubach – State Farm Insurance Agent
  14425 Brook Hollow Blvd Suite 101 – San Antonio, TX 78232 – (210) 494-7695 – View Map

View more San Antonio agents

Picking an insurance agency requires you to look at more than just the bottom line cost. A good agent in San Antonio will have answers to these questions.

• Does the agency have a current Errors and Omissions policy?
• Are aftermarket or OEM parts used to repair vehicles?
• Is their price quote a firm figure or are their hidden costs?
• Do the companies they represent have a solid financial rating?
• Are claims handled at the agent’s location?
• Do you need full coverage on every vehicle?
• Can glass claims be handled at your home?

Do I need special coverages?

Always keep in mind that when comparing adequate coverage for your vehicles, there really isn’t a one-size-fits-all type of policy. Every insured’s situation is different.

For example, these questions could help you determine if you might need professional guidance.

• How much will a speeding ticket raise my rates?
• Does my personal policy cover me when driving out-of-state?
• Does car insurance cover theft of personal property?
• Should I put collision coverage on all my vehicles?
• What can I do if my company won’t pay a claim?
• Is business property covered if stolen from my car?
• Is my business laptop covered if it gets stolen from my vehicle?
• What are the liability requirements in my state?
• Should I pay a claim out-of-pocket?
• What is the premium to book value ratio for dropping full coverage?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Components of Your Honda Fit Insurance Prices

Multiple criteria are taken into consideration when you quote your car insurance policy. Most are fairly basic such as your driving history, although others are not as apparent such as your marital status or your commute time.

The itemized list below are just a few of the factors that factor into rates.

• Car insurance liability protection limits – The liability section of your policy will provide protection if ever you are determined to be liable for damages from an accident. Your policy’s liability insurance provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should carry high limits.
• Save money with high credit – Having a bad credit rating is likely to be a major factor in calculating your premium rate. If your credit is not that good, you could pay less to insure your Honda Fit if you clean up your credit. Drivers who have excellent credit tend to be better risks to insure than those with lower credit scores.
• Bundling policies can get discounts – Most car insurance companies allow lower prices to clients who buy several policies from them, otherwise known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even with this discount applied, it’s always a smart idea to shop around to help ensure you have the lowest rates.There is a chance you can save even more even if you insure with multiple companies

• Better drivers pay better prices – Attentive drivers get better prices compared to drivers with tickets. Only having one citation can increase rates by twenty percent. Drivers unfortunate enough to have license-revoking citations such as DUI or reckless driving may need to submit a SR-22 form with their state in order to prevent their license from being revoked.

  The example below shows how speeding tickets and fender-benders drive up Honda Fit annual premium costs for different age groups. The premiums are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are applied.

• Lower coverage deductibles cost more – The deductibles define the amount you are required to spend out-of-pocket if a claim is determined to be covered. Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of some claims that would be covered are a windshield broken by a bird, damage caused by hail, or theft of your vehicle. The more you have to pay, the less your car insurance will be.

• Gender and insurance – Over the last 30 years, statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. Men and women are in accidents in similar numbers, but guys have accidents that have higher claims. Not only that, but men also receive more costly citations such as DWI and reckless driving. Male drivers age 16 to 19 have the highest risk to insure and thus pay the highest rates.

  The chart below visualizes the comparison of Honda Fit insurance costs for male and female drivers. The premiums are based on no claims, a clean driving record, full coverage, $250 deductibles, single status, and no discounts are taken into consideration.

• Costs are impacted by vehicle performance – The performance level of the car, truck or SUV you need to insure makes a big difference in the rate you pay. Lower cost passenger models generally have the cheapest insurance rates, but many other things help determine your insurance rates.

  The data below uses these variables: married female driver age 30, full coverage with $500 deductibles, and no discounts or violations. The chart compares Honda Fit insurance rates compared to other makes and models that have different risk factors.

• GPS tracking and theft deterrents systems cut rates – Buying a car that has a built-in theft deterrent system can earn a premium discount. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop auto theft and help lower rates.

• Honda Fit historical loss data – Insurance companies factor in insurance loss information to help calculate a profitable premium price. Vehicles that the data determines to have a higher amount or frequency of claims will have higher rates. The data below shows the historical insurance loss data for Honda Fit vehicles.

  For each coverage category, the loss probability for all vehicles compiled together equals 100. Numbers under 100 imply a favorable loss record, while numbers above 100 point to more losses or an increased likelihood of larger losses.

  
  

  Honda Fit Insurance Loss Statistics

  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

  Statistics from IIHS.org for 2013-2015 Model Years

Protect more than your Honda vehicle

Despite the high cost of buying insurance for a Honda Fit in San Antonio, auto insurance serves a purpose in several ways.

First, just about all states have compulsory liability insurance requirements which means you are required to buy specific minimum amounts of liability insurance in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your vehicle has a loan, more than likely the lender will require that you have physical damage coverage to protect their interest in the vehicle. If you do not keep the policy in force, the lender may insure your Honda at a much higher premium rate and make you pay a much higher amount than you were paying before.

Third, auto insurance preserves both your Honda and your assets. It also can pay for medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, will also pay for a defense attorney in the event you are sued. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of carrying enough insurance more than offset the price you pay, especially for larger claims. But the average American driver overpays as much as $865 each year so you should quote rates each time the policy renews to make sure the price is not too high.

One last thing about your coverage

In this article, we covered many ideas to get a better price on Honda Fit insurance in San Antonio. The most important thing to understand is the more companies you get premium rates for, the better likelihood of getting affordable Honda Fit insurance quotes. Consumers could even find that the most savings is with a smaller regional carrier.

Insureds change insurance companies for a number of reasons such as delays in paying claims, delays in responding to claim requests, extreme rates for teen drivers or even policy cancellation. It doesn’t matter why you want to switch choosing a new insurance company is less work than it seems.

Discount Honda Fit insurance in San Antonio is possible online as well as from insurance agents, so you need to shop San Antonio auto insurance with both in order to have the best chance of saving money. Some insurance companies do not offer rates over the internet and these small, regional companies work with independent agents.

Additional learning opportunities

• Think You’re a Safe Driver? (State Farm)
• What Car Insurance is Cheapest for a Nissan Altima in San Antonio? (FAQ)
• Who Has Cheap Auto Insurance Quotes for 19 Year Olds in San Antonio? (FAQ)
• Determining Auto Insurance Rates (GEICO)
• A Tree Fell on Your Car: Now What? (Allstate)
• Understanding Your Insurance Deductible (Insurance Information Institute)
• What is Full Coverage? (Allstate)