Being forced to pay for expensive car insurance premiums can bleed your budget and possibly require you to analyze your spending habits.
Sadly, most consumers in Texas kept their policy with the same company for four years or more, and virtually 40% of consumers have never compared rates from other carriers. Consumers in the U.S. can save roughly $859 each year by just comparing rate quotes, but they just assume it’s a time-consuming process to compare rate quotes online. Many auto insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurers and get the best coverage at the lowest rate possible on Honda Fit insurance in Houston.
Consumers need to get comparison quotes at least once a year because car insurance rates change quite often. Even if you think you had the lowest premium rates on Honda Fit insurance in Houston a couple years back you will most likely find a better price today. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate how to quote online to properly buy coverages while reducing your premium.
If you are insured now or just want cheaper rates, use these money-saving tips to cut your premiums and possibly find even better coverage. Buying the cheapest car insurance in Houston is really not that difficult. Shoppers just have to use the least time-consuming way to compare different rates using one simple form.
Low-cost companies for Honda Fit insurance
The companies shown below are our best choices to provide free rate quotes in Houston, TX. If more than one company is shown, we suggest you visit two to three different companies in order to find the most competitive rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fit Sport VSA||$182||$368||$252||$14||$76||$892||$74|
|Get Your Own Custom Quote Go|
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Price estimates do not factor in the specific area where the vehicle is garaged which can raise or lower coverage prices significantly.
The illustration below illustrates how your choice of deductibles and can influence Honda Fit premium costs for different age categories. The premiums assume a married male driver, full coverage, and no discounts are factored in.
Honda Fit insurance premiums by gender in Houston
The diagram below compares Honda Fit premium costs for male and female drivers. Data assumes no driving violations, no at-fault accidents, full physical damage coverage, $100 deductibles, drivers are not married, and no policy discounts are applied.
Full coverage versus liability-only in Houston
The example below shows the comparison of Honda Fit insurance prices with full coverage and liability only. The premium estimates are based on a clean driving record, no at-fault accidents, $500 deductibles, single male driver, and no policy discounts are applied.
When to eliminate full coverage
There is no exact rule to stop paying for full coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your Honda Fit claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $4,000 after the policy deductible has been paid. If you are paying in excess of $400 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.
There are some scenarios where eliminating full coverage is not advised. If you haven’t paid off your loan, you have to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should maintain full coverage.
Get cheaper rates on Honda Fit insurance in Houston with these insurance discounts
Buying insurance is not cheap, but you can get discounts that you may not know about. Many discounts should be triggered at the time you complete a quote, but some need to be asked for prior to getting the savings.
- Discount for Passive Restraints – Cars that have air bags and/or automatic seat belt systems can get savings as much as 30%.
- Multiple Policy Discount – If you combine your homeowners and auto policies with the same company you could save 10% to 20% off each policy.
- Drivers Education – Require your teen driver to enroll in driver’s education as it will make them better drivers and lower rates.
- Homeowners Savings – Owning a house in Houston may earn you a small savings due to the fact that maintaining a home shows financial diligence.
- Defensive Driver Discounts – Successfully completing a course that instructs on driving safety is a good idea and can lower rates and make you a better driver.
- Distant College Student Discount – Any of your kids who live away from home at college and do not have access to a covered vehicle can receive lower rates.
- Accident Free – Insureds who avoid accidents and claims get the best insurance rates in comparison with frequent claim filers.
- Pay Upfront and Save – If you pay your bill all at once rather than paying in monthly installments you may have a lower total premium amount.
- Military Rewards – Being deployed in the military may lower your insurance rates slightly.
Keep in mind that most of the big mark downs will not be given to your bottom line cost. A few only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way.
To view providers that offer multiple discounts in Texas, follow this link.
Which policy gives me the best coverage?
When buying insurance from an agent or online, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.
For example, these questions might point out if your situation may require specific advice.
- When would I need rental car insurance?
- When can my company non-renew my policy?
- Should I buy only the required Texas minimum liability coverage?
- Am I missing any policy discounts?
- How do I file an SR-22 for a DUI in Texas?
- What does UM/UIM cover?
- I have good health insurance, so how much medical payments coverage do I need?
- Should I bundle my homeowners policy with my auto?
- Can my teen driver be rated on a liability-only vehicle?
If you’re not sure about 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. It’s fast, free and may give you better protection.
Auto insurance agents can help
Many drivers still like to have an agent’s advice and we recommend doing that Agents can point out coverage gaps and help in the event of a claim. A good thing about getting free rate quotes online is that you can obtain better rates and still have an agent to talk to. And buying from local insurance agents is still important in Houston.
By using this simple form, the quote information is sent to local insurance agents that give free quotes for your insurance coverage. There is no reason to leave your computer as quotes are delivered directly to you. If you need to get a rate quote from a specific car insurance provider, don’t hesitate to find their quoting web page and submit a quote form there.
Not all car insurance agents are the same
When searching for a reliable insurance agent, you must know there are a couple different types of agencies and how they differ in how they quote coverages. Insurance agencies in Houston are categorized either independent agents or exclusive agents depending on their employer. Both types can insure your vehicles, but it’s worth mentioning the difference in the companies they write for since it can affect your agent selection.
Independent Car Insurance Agents (or Brokers)
Agents that elect to be independent do not write with just one company and that allows them to write policies with an assortment of companies and find the cheapest car insurance rates. If prices rise, the agent simply finds a different carrier which is easy for the insured.
When comparing car insurance rates, you need to contact a couple of independent agencies to get the best comparison.
Listed below are Houston independent agents who may provide free car insurance quotes.
210 W Greens Rd # B – Houston, TX 77067 – (281) 872-6100 – View Map
Exclusive Car Insurance Agents
These agents write business for a single company such as State Farm, Allstate, or Farmers Insurance. These agents are not able to provide other company’s prices so you need to shop around if the rates are high. Exclusive agencies are very knowledgeable on their company’s products and that can be a competitive advantage.
The following are exclusive insurance agencies in Houston willing to provide comparison quotes.
Lucrecia Jasminoy – State Farm Insurance Agent
223 Cavalcade St – Houston, TX 77009 – (713) 884-1442 – View Map
Picking an auto insurance agent needs to be determined by more than just the bottom line cost. These are valid questions to ask:
- Does the agency support the community they serve?
- How would your car be valued if totalled?
- How are they compensated?
- Do they have a Better Business Bureau rating in Houston?
- What discounts might you be missing?
- Can you get a list of referrals?
- Will you get a loaner vehicle if you car is being repaired?
- Do they see any coverage gaps in your plan?
After getting acceptable answers to all your questions and an affordable coverage quote, it’s possible that you found an insurance agency that meets your needs to properly service your car insurance policy. But keep in mind it’s your policy and you can cancel your policy when you choose so don’t feel that you’re stuck with any specific agency with no way to switch.
The ad said I’d save $392 a year!
Consumers in Texas can’t get away from ads for auto insurance savings by State Farm and Allstate. All the companies have a common claim that drivers will save a bundle if you get a free Houston car insurance quote and switch your policy.
How does every auto insurance company have lower policy pricing? Here is the trick they use.
Auto insurance companies provide the lowest rates for the type of driver that earns them the most money. An example of a desirable risk might have to be between the ages of 30 and 50, has no claims, and drives less than 5,000 miles a year. Any person who matches those parameters will get the preferred prices in Houston and as a result will probably pay quite a bit less when switching companies.
Potential customers who cannot meet these stringent criteria will get higher premiums with the end result being the customer not purchasing. If you listen to the ad wording, they say “customers who switch” not “all people who quote” save that much money. This is how insurance companies can claim big savings.
Different companies use different criteria so you really need to get a wide range of price quotes. Because you never know with any certainty which company will have the lowest Honda Fit insurance in Houston.
A little work can save a LOT of money
When searching for affordable Honda Fit insurance quotes, make sure you don’t reduce coverage to reduce premium. In many cases, an insured cut liability coverage limits and learned later that they should have had better coverage. The ultimate goal is to buy enough coverage at the best cost, but do not skimp to save money.
We just covered a lot of techniques to compare Honda Fit insurance rates in Houston. It’s most important to understand that the more times you quote, the better likelihood of getting cheaper Houston car insurance quotes. You may even be surprised to find that the most savings is with the smaller companies.
Lower-priced insurance in Houston can be sourced both online as well as from independent agents in Houston, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not have rate quotes online and usually these regional carriers sell through local independent agents.
More detailed insurance information is located in these articles:
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Who Has the Cheapest Houston Auto Insurance Rates for Unemployed Drivers? (FAQ)
- Car Insurance FAQ (Trusted Choice)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)