Best Seattle Honda Fit Insurance

Discount Honda Fit insuranceNo normal person fancies paying their premiums for auto insurance, especially knowing they are paying too much.

A recent study showed that over 70% of drivers have been with the same company for at least the last four years, and 38% of drivers have never compared rate quotes at all. Most drivers in Washington could pocket $430 a year just by comparing rates, but they don’t believe the benefits if they swap their current policy for a cheaper one. Due to the abundance of different company options, it can be diffult for people to pick the most cost effective company.

The providers in the list below are ready to provide comparison quotes in Washington. If more than one company is shown, it’s highly recommended you get rate quotes from several of them to get the best price comparison.

Honda Fit Insurance Rate Estimates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fit $190 $448 $204 $12 $62 $916 $76
Fit Sport $160 $304 $204 $12 $62 $742 $62
Fit Sport VSA $282 $664 $262 $16 $78 $1,302 $109
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium amounts do not factor in specific Seattle garaging location which can lower or raise prices greatly.

Should you raise deductibles?

The chart below shows how choosing a deductible and can affect Honda Fit yearly insurance costs for each age group. The prices are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Higher deductibles lower rates

One of the more difficult decisions when buying car insurance is the level to set your comp and collision deductibles. The comparison tables below determine the premium difference when you select higher and lower physical damage coverage deductibles. The first rate quote example uses a $250 comprehensive and collision deductible and the second price grid 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 $198 $384 $194 $12 $58 $871 $73
Fit Sport $228 $384 $194 $12 $58 $901 $75
Fit Sport VSA $228 $452 $194 $12 $58 $969 $81
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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 $122 $242 $194 $12 $58 $628 $52
Fit Sport $140 $242 $194 $12 $58 $646 $54
Fit Sport VSA $140 $284 $194 $12 $58 $688 $57
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in specific location information which can revise rates substantially.

We can estimate from the data above that using a $250 deductible could cost the average driver approximately $22 more each month or $264 annually than selecting the higher $1,000 deductible. Since you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 34 months between claims, you would probably save some money by selecting a higher deductible.

Discounts for lower-cost auto insurance rates

Some companies do not advertise every discount in a way that’s easy to find, so the below list has some of the best known as well as the least known credits that you can use to lower your rates. If you do not check that you are getting every discount you qualify for, you’re paying more than you need to.Discount auto insurance

It’s important to understand that some credits don’t apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think you can get free auto insurance, auto insurance companies aren’t that generous.

If you would like to choose from a list of insurers with the best discounts in Washington, click this link.

Car insurance agents are professional risk managers

Some people just want to sit down and talk to an agent and that is not a bad decision Professional agents are highly skilled in risk management and help you file claims. A nice benefit of comparing insurance prices online is you may find cheap car insurance rates and still choose a local agent.

Seattle insurance agentsTo find an agent, once you fill out this short form, the coverage information is transmitted to local insurance agents in Seattle who can give free rate quotes for your business. You don’t have to find an agent on your own due to the fact that quote results will go to you instantly. If you want to compare prices from a specific company, you would need to find their quoting web page and fill out their quote form.

Choosing the best provider should include more criteria than just the bottom line cost. These are some questions your agent should answer.

If you want to use a local Seattle insurance agency, it helps to know the two types of insurance agents that you can choose from. Car insurance agents can either be exclusive agents or independent agents. Either one can insure your vehicles, but it’s worth learning why they differ since it may influence the selection process.

Exclusive Car Insurance Agents

Agents in the exclusive channel can only provide pricing for a single company like Farmers Insurance, American Family, State Farm and Allstate. Exclusive agencies are unable to place coverage with different providers so they really need to provide good service. They are well trained in insurance sales and that can be a competitive advantage.

Shown below are exclusive agencies in Seattle that are able to give rate quotes.

200 Roy St #102Seattle, WA 98109(206) 284-9700View Map

Andy Hubbard – State Farm Insurance Agent
1515 NW 52nd St aSeattle, WA 98107(206) 789-4211View Map

315 N 36th St #201Seattle, WA 98103(206) 588-0559View Map

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Independent Agencies or Brokers

Independent insurance agents can quote rates with many companies so they can insure your vehicles with lots of companies and find the cheapest rate. If you want to switch companies, they simply move your policy to a different company and you won’t have to switch agencies.

When comparing car insurance prices, it’s recommended you compare prices from multiple independent agents in order to have the best price comparison.

The following are Seattle independent insurance agents that are able to give comparison quotes.

412 Queen Anne Ave NSeattle, WA 98109(206) 284-0470View Map

4634 E Marginal Way S C 140Seattle, WA 98134(206) 682-9990View Map

1200 Westlake Ave N #607Seattle, WA 98109(206) 284-0171View Map

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The Honda Fit Insurance Premium Equation

It’s important that you understand the rating factors that are used to determine the price you pay for car insurance. When you know what positively or negatively influences your rates, this allows you to make good choices that could help you find lower rates. Many different elements are part of the equation when you get a price on insurance. A few of the factors are predictable such as traffic violations, but others are more transparent such as your marital status or how safe your car is.

Shown below are just a few of the factors used by companies to determine your premiums.

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

Even though Seattle Fit insurance rates can get expensive, buying auto insurance is mandatory in Washington but it also protects more than you think.

The benefits of insuring your Fit more than cancel out the cost, especially if you ever need it. The average driver in America is currently overpaying as much as $855 a year so it’s very important to do a rate comparison each time the policy renews to ensure rates are inline.

Cheaper insurance is a realistic goal

In this article, we covered a lot of techniques to compare Honda Fit insurance rates in Seattle. The key thing to remember is the more you quote Seattle auto insurance, the higher your chance of finding affordable Honda Fit insurance quotes. Consumers may even find the biggest savings come from the least-expected company. Some small companies often have lower car insurance rates on specific markets than the large multi-state companies such as Progressive or GEICO.

As you prepare to switch companies, it’s not a good idea to skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice collision coverage only to regret at claim time that they should have had better coverage. Your goal is to find the BEST coverage at the best possible price, but do not sacrifice coverage to save money.

Additional detailed information can be found by following these links: