Insurance for Honda FitHow long have you put off shopping around for low-cost Honda Fit insurance in Fort Wayne? Are you sick and tired of being strong-armed to make your auto insurance payment? Your situation is no different than the majority of other drivers in Indiana.

A recent auto insurance study revealed that a large majority of consumers have bought auto insurance from the same company for a minimum of four years, and 38% of drivers have never compared rates from other carriers. With the average premium in Indiana being $1,389, drivers could save as much as $697 each year by just comparing rate quotes, but they don't understand how simple it is to compare rate quotes online. Many insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurers to find the absolute best rate on Honda Fit insurance in Fort Wayne.

If you're already insured or want to find a cheaper company, you can use these tips to buy cheaper auto insurance without sacrificing coverage. Locating the best insurance company for you in Fort Wayne can really be easy if you know what you're doing. Shoppers just need to understand the proper way to quote multiple rates on the web.

The quickest way to compare rate quotes for Honda Fit insurance in Fort Wayne utilizes the fact auto insurance companies will pay a fee to compare rate quotes. The only thing you need to do is take a few minutes to give details like if you're married, driver details, if the vehicle is leased, and an estimate of your credit level. That rating information gets sent immediately to insurance companies and you should receive rate quotes with very little delay.

To compare affordable Honda Fit insurance rates now, click here and enter your zip code.

The companies shown below are ready to provide price comparisons in Fort Wayne, IN. If multiple companies are shown, we recommend you visit two to three different companies to get the cheapest price.

Honda Fit Insurance Costs in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fit $100 $236 $210 $12 $62 $620 $52
Fit Sport $208 $428 $210 $12 $62 $920 $77
Fit Sport VSA $216 $430 $186 $10 $56 $898 $75
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Prices do not factor in Fort Wayne location which can modify insurance rates greatly.

Deductible analysis

One frequently asked question is how high should the physical damage coverage deductibles be. The rates below may help to illustrate how much more you'll pay between low and high physical damage deductibles. The first price estimate table uses a $250 physical damage coverage deductible and the second price grid uses a $1,000 deductible.

Honda Fit insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fit $188 $366 $186 $10 $56 $831 $69
Fit Sport $216 $366 $186 $10 $56 $859 $72
Fit Sport VSA $216 $430 $186 $10 $56 $923 $77
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Honda Fit insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fit $116 $230 $186 $10 $56 $598 $50
Fit Sport $134 $230 $186 $10 $56 $616 $51
Fit Sport VSA $134 $270 $186 $10 $56 $656 $55
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Estimates do not factor in Fort Wayne location which can alter premiums considerably.

Based on the data above, we can derive that using a $250 deductible will cost you about $21 more each month or $252 every year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 36 months between claim filings, you would more than likely save some money if you choose a higher deductible.

Insurance rate increases from tickets or accidents

The diagram below shows how traffic citations and at-fault claims drive up Honda Fit premium costs for each different age group. The information is based on a married female driver, full coverage, $500 deductibles, and no policy discounts are applied.

Yearly car insurance costs for men versus women

The example below shows the difference between Honda Fit car insurance costs for male and female drivers. The premium estimates are based on no violations or accidents, comp and collision included, $100 deductibles, drivers are not married, and no additional discounts are factored in.

Earn discounts on Fort Wayne auto insurance

Insuring your fleet can be pricey, but there could be significant discounts that you may not even be aware of. Many discounts should be triggered at the time of purchase, but a few must be requested specifically prior to getting the savings.Save money with discounts

While discounts sound great, it's important to understand that many deductions do not apply to the entire cost. Some only reduce individual premiums such as medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, companies don't profit that way.

Larger auto insurance companies and some of their more popular discounts can be read below.

Check with every prospective company to apply every possible discount. All car insurance discounts may not be available in Fort Wayne. To see a list of companies who offer discounts in Indiana, click here.

Why you need to buy car insurance

Even though it can be expensive, insuring your vehicle is mandatory in Indiana but it also protects more than you think.

The benefits of insuring your car definitely exceed the price paid, particularly for liability claims. An average driver in America is overpaying more than $865 each year so you should quote and compare rates once a year at a minimum to save money.

Exclusive and independent insurance agents

Many people prefer to buy from a local agent and that is OK! Good insurance agents can help determine the best coverages and help submit paperwork. One of the benefits of comparing car insurance online is the fact that you can find cheap car insurance quotes and also buy local.

Find insurance agent in Fort WayneAfter filling out this short form, your coverage information is submitted to local insurance agents in Fort Wayne who can give free rate quotes for your car insurance coverage. You don't have to find an agent on your own because quoted prices will be sent immediately to your email address. If you need to quote rates from a specific company, feel free to search and find their rate quote page and complete a quote there.

Deciding on an company shouldn't rely on just the bottom line cost. Any good agent in Fort Wayne should know the answers to these questions.

Pick the best car insurance agent in Fort Wayne for you

When searching for a reliable insurance agency, it can be helpful to understand the different types of agencies and how they work. Car insurance agents in Fort Wayne can either be exclusive or independent. Both types can sell and service car insurance coverage, but it's important to know why they differ since it may influence your selection of an agent.

Exclusive Car Insurance Agencies

Agents in the exclusive channel can only provide pricing for a single company and some examples include State Farm or Allstate. Exclusive agents are unable to place coverage with different providers so if the price isn't competitive there isn't much they can do. Exclusive agencies are trained well on their company's products which helps overcome the inability to quote other rates.

Listed below is a short list of exclusive insurance agencies in Fort Wayne willing to provide rate quotes.


702 W Coliseum Blvd d - Fort Wayne, IN 46808 - (260) 484-5577 - View Map


1104 W State Blvd - Fort Wayne, IN 46808 - (260) 420-2000 - View Map


6061 N Clinton St - Fort Wayne, IN 46825 - (260) 484-6199 - View Map

More Fort Wayne agents

Independent Agents (or Brokers)

Agents in the independent channel are not limited to a single company so they can write business with lots of companies and potentially find a lower price. If prices rise, your agent can just switch to a different company without you having to go to a different agency. If you are comparing car insurance prices, we recommend you get insurance quotes from a few independent agents in order to have the best price comparison.

Listed below is a short list of independent agents in Fort Wayne willing to provide comparison quotes.


7113 W Jefferson Blvd - Fort Wayne, IN 46804 - (260) 969-5613 - View Map


6628 Constitution Dr - Fort Wayne, IN 46804 - (260) 436-3544 - View Map


127 W Berry St # 500 - Fort Wayne, IN 46802 - (260) 424-4150 - View Map

More Fort Wayne agents

Auto insurance coverage specifics

Understanding the coverages of your auto insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you'll find the normal coverages offered by auto insurance companies.

Comprehensive insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a broken windshield, falling objects, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like chiropractic care, X-ray expenses, doctor visits, prosthetic devices and pain medications. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sideswiping another vehicle, driving through your garage door, colliding with another moving vehicle, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also increase the deductible on your Fit in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. It can pay for injuries sustained by your vehicle's occupants as well as damage to your Honda Fit.

Due to the fact that many Indiana drivers only carry the minimum required liability limits (25/50/10 in Indiana), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability

This will cover damage or injury you incur to people or other property by causing an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/10 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $10,000.

Liability coverage pays for claims like emergency aid, bail bonds, loss of income, legal defense fees and pain and suffering. How much liability should you purchase? That is your choice, but you should buy higher limits if possible. Indiana state law requires minimum liability limits of 25/50/10 but it's recommended drivers buy higher limits.