Honda Fit Insurance Quotes in Scottsdale

If you want to find the absolute lowest rates, then the best way to find low-cost prices for Honda Fit insurance in Scottsdale is to annually compare prices from companies who can sell car insurance in Arizona. You can compare prices by following these steps.

1. Gain an understanding of how auto insurance works and the steps you can take to prevent expensive coverage. Many things that increase rates like accidents, careless driving, and a substandard credit history can be rectified by improving your driving habits or financial responsibility. Later in this article we will cover tips to get lower rates and find discounts that you may qualify for.
2. Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from one company like Progressive or State Farm, while independent agents can quote rates from many different companies. Compare rates now
3. Compare the new rate quotes to your existing policy to see if a cheaper price is available in Scottsdale. If you find a lower rate quote and decide to switch, make sure coverage is continuous and does not lapse.
4. Provide proper notification to your current company to cancel your current auto insurance policy. Submit a signed application and payment for the new coverage. Make sure you place your new proof of insurance paperwork in an accessible location in your vehicle.

One tip to remember is that you use similar deductibles and liability limits on every price quote and and to get price estimates from as many auto insurance providers as possible. Doing this guarantees a level playing field and maximum price selection.

Unfortunately, over 70% of consumers kept their coverage with the same car insurance company for well over three years, and virtually 40% of consumers have never compared car insurance rates at all. Consumers in Scottsdale can save hundreds of dollars each year just by getting comparison quotes, but they just don’t understand how much money they would save if they changed companies.

Getting quotes for affordable protection in Scottsdale is not as time-consuming as you think. Essentially every car owner who wants cheaper car insurance will more than likely buy a cheaper policy. But Arizona consumers do need to understand the way companies determine what you pay.

The quickest way to compare rate quotes for Honda Fit insurance in Scottsdale is to know most larger insurance companies have advanced systems to give you rate quotes. All you need to do is take a few minutes to give details such as the make and model of your vehicles, types of safety features, whether you have decent credit, and how you use your vehicles. Your insurance information is automatically sent to many highly-rated insurers and they return quotes immediately.

If you wish to get multiple quotes for your car now, click here and enter your coverage details.

The companies shown below are our best choices to provide price comparisons in Arizona. If you wish to find the best auto insurance in Arizona, we recommend you visit several of them in order to find the lowest rates.

Here’s why car insurance is not optional

Despite the high insurance cost for a Honda Fit in Scottsdale, buying car insurance is most likely required but also gives you several important benefits.

• The majority of states have mandatory insurance requirements which means you are required to carry a minimum amount of liability if you want to drive legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you bought your Honda with a loan, it’s most likely the lender will require that you have full coverage to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank will be required to insure your Honda at a much higher rate and require you to reimburse them for it.
• Car insurance protects not only your Honda Fit but also your financial assets. Insurance will pay for all forms of medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also covers legal expenses in the event you are sued. If you have damage to your Honda as the result of the weather or an accident, collision and comprehensive coverages will pay to have it repaired.

The benefits of insuring your car greatly outweigh the cost, particularly when you have a large claim. According to a recent study, the average American driver is overpaying more than $820 a year so compare rates each time the policy renews to be sure current rates are still competitive.

Detailed insurance information

The table displayed next highlights a range of insurance rates for Honda Fit models. Understanding how insurance prices are determined can assist in making smart choices when comparing insurance rates.

Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rates do not factor in Scottsdale location which can affect prices significantly.

Policy deductible comparison

One of the hardest decisions when shopping for insurance is what deductibles to buy. The following tables show the costs and benefits when you choose different coverage deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Price information does not factor in your specific Scottsdale location which can modify price quotes significantly.

Based on the above data, using a $250 deductible could cost the average driver approximately $12 more each month or $144 annually than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally average more than 21 months between claim filings, you would most likely save money if you elect the higher deductible. The illustration below shows how we made this calculation.

One important note is that a higher deductible level results in having to pay to pay more out-of-pocket when you have a physical damage claim. You need enough money stashed away in the event you have to pay more to get your vehicle repaired.

The example below demonstrates how deductibles and can impact Honda Fit yearly insurance costs for different age groups of insureds. The premiums are based on a married female driver, comp and collision included, and no discounts are applied to the premium.

Male drivers compared to female drivers in Scottsdale

The illustration below compares Honda Fit insurance costs for male and female drivers. The prices are based on no claims or violations, comp and collision included, $1,000 deductibles, drivers are single, and no discounts are factored in.

Should you buy full coverage?

The information below shows the difference between Honda Fit insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on no claims or violations, $1,000 deductibles, single status, and no discounts are applied to the premium.

When to drop comp and collision

There is no clear-cut rule of when to stop paying for physical damage insurance, but there is a general convention. If the yearly cost of comp and collision coverage is more than around 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s assume your Honda Fit book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $4,000 after paying the physical damage deductible. If premium cost is more than $400 annually for physical damage coverage, then it might be time to consider dropping full coverage.

There are some situations where dropping full coverage is not a good idea. If you still have a lienholder on your title, you are required to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Save money on Honda Fit insurance in Scottsdale with these discounts

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that you may not know about. Some discounts apply automatically when you get a quote, but lesser-known reductions have to be specially asked for before they will apply.

• Good Grades Discount – Maintaining excellent grades may save as much as 25% on a Scottsdale auto insurance quote. Many companies even apply the discount to college students until age 25.
• Anti-lock Brake System – Vehicles that have anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
• No Accidents – Drivers who don’t have accidents pay less in comparison to accident-prone drivers.
• Government Employee Discount – Having worked for a branch of the government could provide a small rate reduction with select insurance companies.
• Save with More Vehicles Insured – Drivers who insure more than one vehicle on one policy qualifies for this discount.
• Renewal Discounts – Select insurance companies give a discount for switching companies prior to the expiration date on your current Fit insurance policy. You may see this discount when you get Scottsdale auto insurance quotes online.
• Senior Citizens – Drivers over the age of 55 may qualify for a discount up to 10%.

Don’t be surprised that many deductions do not apply to the whole policy. The majority will only reduce individual premiums such as liability, collision or medical payments. If you do the math and it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

The example below shows the comparison of Honda Fit insurance premiums with and without discounts applied to the policy rates. The information is based on a male driver, no claims or violations, Arizona state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, safe-driver, homeowner, multi-policy, and marriage discounts applied.

Popular car insurance companies and their possible discounts are outlined below.

• American Family offers discounts for multi-vehicle, good student, Steer into Savings, defensive driver, bundled insurance, TimeAway discount, and early bird.
• Farm Bureau offers premium reductions for multi-policy, safe driver, good student, 55 and retired, multi-vehicle, and youthful driver.
• State Farm may offer discounts for passive restraint, good driver, anti-theft, good student, defensive driving training, and driver’s education.
• Travelers policyholders can earn discounts including payment discounts, save driver, student away at school, driver training, continuous insurance, and new car.
• The Hartford discounts include bundle, good student, defensive driver, air bag, and anti-theft.
• GEICO may include discounts for membership and employees, defensive driver, emergency military deployment, federal employee, and five-year accident-free.
• Progressive offers discounts including multi-vehicle, homeowner, online quote discount, online signing, multi-policy, continuous coverage, and good student.

When getting a coverage quote, ask every insurance company which discounts can lower your rates. Some credits might not apply everywhere. To see insurance companies offering car insurance discounts in Scottsdale, follow this link.

Car insurance agents can help

Some consumers still prefer to visit with an insurance agent and that is OK! A nice benefit of price shopping on the web is the fact that you can find cheap auto insurance quotes and still choose a local agent. Putting coverage with local insurance agents is important especially in Scottsdale.

After completing this simple form, your insurance coverage information is instantly submitted to local insurance agents who will give you bids for your auto insurance coverage. It makes it easy because there is no need to even leave your home since price quotes are sent to your email. You can find better rates and work with a local agent. If you have a need to get a rate quote from a specific auto insurance provider, you just need to jump over to their website to submit a rate quote request.

Scottsdale auto insurance agents come in two flavors

If you want to buy auto insurance from a local Scottsdale insurance agent, you should know the different types of agents and how they are distinctly different. Insurance agencies in Scottsdale can either be exclusive or independent agents depending on their company appointments.

Independent Auto Insurance Agents (or Brokers)

Agents in the independent channel can sell policies from many different companies so they can quote policies with many different companies depending on which coverage is best. If premiums increase, the agent simply finds a different carrier which is easy for the insured. If you are comparing rate quotes, we recommend you get quotes from several independent agencies to have the best price comparison.

Below is a list of independent insurance agencies in Scottsdale that may be able to give you comparison quotes.

More insurance agents

Exclusive Auto Insurance Agents

Exclusive agents can only provide pricing for a single company such as Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot shop your coverage around so you need to shop around if the rates are high. Exclusive agents receive extensive training on their company’s products which aids in selling service over price.

Below is a short list of exclusive agents in Scottsdale that can give you price quotes.

More insurance agents

Choosing an insurance agency requires more thought than just a cheap quote. The questions below may impact your decision as well.

• Does the agency have a positive business rating?
• Is there a Errors and Omissions policy in force?
• If your car is totaled, how to they determine the replacement cost?
• Do the companies they represent have a solid financial rating?
• Does the agent help file claims?
• When do they do a full risk review?
• Do they have any clout with companies to ensure a fair claim settlement?
• Are they giving you every discount you deserve?

Which policy gives me the best coverage?

Always keep in mind that when comparing your policy, there isn’t really a cookie cutter policy. Your needs are unique to you.

For example, these questions can aid in determining whether your personal situation would benefit from professional advice.

• What does PIP insurance cover?
• When do I need to add a new car to my policy?
• Can I get by with minimal medical coverage if I have good health insurance?
• Does my policy cover my teen driver if they drive my company car?
• How high should deductibles be on a Honda Fit?
• Can good grades get a discount?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form.

A conclusion for your auto insurance search

You just learned a lot of information how to shop for Honda Fit insurance online. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may even be surprised to find that the best prices are with a small mutual company.

Lower-priced Honda Fit insurance in Scottsdale can be bought both online and also from your neighborhood Scottsdale agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers don’t offer online price quotes and many times these regional carriers work with independent agencies.

As you quote Scottsdale auto insurance, do not buy poor coverage just to save money. There have been many cases where an insured dropped collision coverage and discovered at claim time that the savings was not a smart move. Your goal is to get the best coverage possible at the best cost, not the least amount of coverage.

Additional information

• Anti-Lock Brake FAQ (iihs.org)
• Who Has Affordable Car Insurance for Nurses in Scottsdale? (FAQ)
• How Much is Car Insurance for Drivers Over Age 70 in Scottsdale? (FAQ)
• What Auto Insurance is Cheapest for First-time Drivers in Scottsdale? (FAQ)
• What Insurance is Cheapest for Postal Workers in Scottsdale? (FAQ)
• Who Has Cheap Scottsdale Car Insurance Quotes for Teenage Males? (FAQ)
• Who Has the Cheapest Scottsdale Auto Insurance for a Learners Permit? (FAQ)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
• Collision Insurance Coverage (Nationwide)
• State Car Insurance Guides (GEICO)