Auto Insurance Rates for a Honda Fit in San Jose

Inconceivable but true, almost 70% of drivers have purchased from the same company for at least four years, and practically 40% of car insurance customers have never quoted car insurance rates at all. Many drivers in San Jose could save almost $469 each year just by getting comparison quotes, but they think it’s difficult to find affordable insurance by shopping around.

Insurance quote for Honda Fit in San JoseThe most effective way to get discount Honda Fit insurance in San Jose is to compare quotes annually from insurers in California.

The most important part of shopping around is that you use the same amount of coverage on each quote and and to get prices from as many companies as possible. Doing this helps ensure an apples-to-apples comparison and the best price selection.

If you are paying for car insurance now, you should be able to shop for the lowest rates using these techniques. Finding and comparing the most affordable protection in San Jose is not as difficult as people think. But California car owners should learn the way insurance companies sell online and apply this information to your search.

The majority of larger companies such as GEICO, State Farm and Progressive make it easy to get price estimates from their websites. Getting Honda Fit insurance prices online is very simple as all you need to do is type in your coverage information as requested by the quote form. Behind the scenes, the system makes automated requests for your credit score and driving record and returns a price quote based on these and other factors.

This simplifies rate comparisons, and it’s necessary to compare as many rates as possible if you want to find a better rate.

To save time and use this form to compare rates, compare rate quotes from the providers shown below. If you have a policy now, it’s recommended you duplicate deductibles and limits as shown on your current policy. Using the same limits helps guarantee you will receive a price comparison for similar coverage.

The companies in the list below are ready to provide price comparisons in San Jose, CA. If multiple providers are shown, we recommend you visit as many as you can to get the cheapest price.

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

Auto insurance is expensive, but you might find some hidden discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied when you quote, but a few must be asked for before you will receive the discount.Auto insurance discounts

We need to note that many deductions do not apply to the entire cost. Some only reduce individual premiums such as comprehensive or collision. Even though the math looks like you can get free auto insurance, companies don’t profit that way.

The illustration below shows the comparison of Honda Fit insurance rates with and without discounts applied to the policy premium. The rate quotes are based on a female driver, no claims or driving violations, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, multi-car, safe-driver, claim-free, and marriage discounts applied.

Some of the larger companies that may include many of the previously listed discounts possibly include:

When getting free San Jose car insurance quotes, it’s a good idea to all the companies which credits you are entitled to. Discounts may not apply to policyholders in San Jose. If you would like to see a list of auto insurance companies that can offer you the previously mentioned discounts in California, follow this link.

Insurance statistics and figures

The data table displayed next showcases different policy rates for Honda Fit models. Learning as much as possible about how auto insurance premiums are figured can help drivers make smart choices when comparing insurance quotes.

Honda Fit Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fit $158 $354 $330 $20 $98 $960 $80
Fit Sport $182 $354 $330 $20 $98 $984 $82
Fit Sport VSA $182 $418 $330 $20 $98 $1,048 $87
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rates do not factor in garaging location in San Jose which can revise rates noticeably.

The example below shows how different deductible levels and can increase or decrease Honda Fit insurance prices for each age group. The data assumes a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Liability only or full coverage

The diagram below shows the difference between Honda Fit insurance rates with liability coverage only compared to full coverage. The data is based on no driving violations, no at-fault accidents, $1,000 deductibles, marital status is single, and no other discounts are factored in.

Deciding between full coverage and liability only

There is no clear-cut formula to eliminate comp and collision coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Honda Fit settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $5,000 after you pay the deductible. If you are paying more than $500 annually for your policy with full coverage, then you may need to consider dropping full coverage.

There are a few cases where eliminating full coverage is not in your best interest. If you still have a loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Informed Consumers Can Lower Insurance Rates

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 more obscure like your continuous coverage or your vehicle rating. Consumers need to have an understanding of some of the elements that help determine your premiums. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that could result in lower premium levels.

The following are some of the most rate-impacting factors utilized by car insurance companies to help set prices.

Prices for males may be higher – Over time, data shows that females tend to be a little less risky than males. However, don’t assume that males are worse at driving than females. They both cause fender benders in similar numbers, but guys have accidents that have higher claims. Not only are claims higher, but men get higher numbers of serious violations like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.

The illustration below shows the difference between Honda Fit insurance prices for male and female drivers. Data assumes no tickets, no at-fault accidents, full coverage, $500 deductibles, marital status is single, and no discounts are taken into consideration.

Do you really need to file that insurance claims? – Companies in California provide lower rates to policyholders that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can expect higher premiums or even policy non-renewal. Your car insurance is designed for claims that pose a financial burden.

Commute or pleasure use – Driving more miles each year the more it will cost to insure it. Most companies charge rates based upon how you use the vehicle. Vehicles used primarily for pleasure use qualify for better rates than those used for commuting. A policy that improperly rates your Fit may be costing you. It’s a smart idea to ensure your declarations sheet is rated on the correct usage, because it can save money.

Do you have a high stress employer? – Did you know your job can affect your rates? Careers like military generals, police officers, and stock brokers are shown to have higher premiums than the average policyholder due to intense work-related stress and lots of time spent at work. Conversely, careers like actors, engineers and the unemployed have lower than average premiums.

Honda Fit statistical loss data – Car insurance companies use past insurance losses to help determine the price you pay. Vehicles that the data determines to have higher number or severity of losses will have higher rates for specific coverages. The table below demonstrates the collected loss data for Honda Fit vehicles.

For each policy coverage, the claim amount for all vehicles, regardless of manufacturer or model, equals 100. Values that are below 100 represent a good loss history, while values that are above 100 indicate more frequent losses or statistically larger claims.

Honda Fit Insurance Loss Statistics
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Honda Fit 89 78 90 99 97 92

Statistics from for 2013-2015 Model Years