Insurance quote for Honda Fit in EvansvilleAre you doing reasearch to find more affordable Honda Fit insurance in Evansville? I can't think of anyone who enjoys paying for auto insurance, especially when they know they are paying too much.

It's hard to fathom, but the vast majority of drivers have remained with the same auto insurance company for over three years, and nearly 40% of drivers have never quoted auto insurance rates at all. Indiana consumers could save an average of as much as 55% each year just by shopping around, but they underestimate the rate savings if they switch to a new company.

Vehicle owners have many insurance companies to choose from, and even though it's nice to have multiple companies, so many choices can make it hard to compare rates and find the lowest cost auto insurance.

You should take the time to shop coverage around occasionally since prices are usually higher with each renewal. Despite the fact that you may have had the lowest rates on Honda Fit insurance in Evansville last year you may be paying too much now. There is too much inaccurate information about Fit insurance online, but I'm going to show you some tested techniques to put money back in your pocket.

Affordable rates by getting discounts

Car insurance is not an enjoyable expense, but there could be available discounts that many consumers don't even know exist. Larger premium reductions will be automatically applied when you quote, but some must be specially asked for prior to getting the savings.Car insurance discounts

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think it's possible to get free car insurance, car insurance companies aren't that generous.

To view companies with significant discounts in Evansville, click here to view.

Keep in mind that comparing a large number of companies helps you find a lower rate than you're paying now. Not every company provides online rate quotes, so it's important to also get price estimates from them as well.

The providers in the list below can provide free rate quotes in Indiana. If multiple companies are shown, we recommend you get rate quotes from several of them to find the most affordable car insurance rates.

Honda Fit Insurance Price Estimates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fit $182 $428 $194 $12 $58 $874 $73
Fit Sport $186 $376 $210 $12 $62 $846 $71
Fit Sport VSA $212 $496 $224 $14 $68 $1,014 $85
Get Your Own Custom Quote Go

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can impact auto insurance rates significantly.

How high should deductibles be?

One of the hardest decisions when shopping for car insurance is how high should the physical damage deductibles be. The figures shown below show the rate differences when you select higher and lower physical damage coverage deductibles. The first pricing table uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Honda Fit insurance 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
Get Your Own Custom Quote Go
Honda Fit insurance 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

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Estimates do not factor in your specific Evansville location which can alter premium rates greatly.

Based on these figures, using a $250 deductible will cost you roughly $21 more each month or $252 a year than buying the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 36 months between claims, you would probably save some money if you choose a higher deductible.

Exclusive and independent auto insurance agents

Certain consumers would rather get professional advice from a licensed agent and that is just fine! The best thing about getting free rate quotes online is that drivers can save money and get cheaper prices and still buy from a local agent.

To find an agent, once you fill out this quick form, your coverage information is sent to participating agents in Evansville that give free quotes for your insurance coverage. You don't have to drive around since price quotes are sent to the email address you provide. Get lower rates without having to waste a lot of time. If for some reason you want to get a comparison quote from a specific insurance provider, you would need to navigate to their website to submit a rate quote request.

Choosing a provider should depend on more than just the quoted price. These are some valid questions you should ask.

The type of auto insurance agent you choose is important

If you are searching for a reliable insurance agent, you need to know there are two types of insurance agents and how they differ in how they quote coverages. Insurance agents can be described as either exclusive or independent.

Exclusive Agencies

Exclusive insurance agents are contracted to one company such as American Family, State Farm, and AAA. They are unable to shop your coverage around so if the price isn't competitive there isn't much they can do. Exclusive insurance agents receive extensive training on what they offer which helps overcome the inability to quote other rates.

Listed below are Evansville exclusive agencies who can help you get comparison quotes.

556 S Green River Rd - Evansville, IN 47715 - (812) 477-9020 - View Map

1033 Mt Pleasant Rd a - Evansville, IN 47725 - (812) 477-3004 - View Map

3335 N Green River Rd - Evansville, IN 47715 - (812) 473-2863 - View Map

More Evansville agents

Independent Agencies or Brokers

Independent agents often have many company appointments and that is an advantage because they can write policies amongst many companies and help determine which has the cheapest rates. To transfer your coverage to a different company, they simply switch companies in-house and you stay with the same agent.

If you are comparing insurance prices, it's recommended you include price quotes from at least one independent agent in order to compare the most rates.

The following are independent insurance agents in Evansville willing to provide rate quotes.

Lancaster Insurance Agency
658 S Green River Rd - Evansville, IN 47715 - (812) 477-8883 - View Map

3812 N First Ave - Evansville, IN 47710 - (812) 479-9028 - View Map

120 N Fulton Ave a - Evansville, IN 47710 - (812) 485-2800 - View Map

More Evansville agents

How much can you save?

While you're price shopping online, it's very important that you do not reduce needed coverages to save money. In too many instances, consumers will sacrifice physical damage coverage to discover at claim time that the savings was not a smart move. Your objective should be to buy the best coverage you can find for the lowest cost while not skimping on critical coverages.

In this article, we covered a lot of ways to lower your Honda Fit insurance premium rates in Evansville. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest premium rates come from an unexpected company. Some small companies often have lower prices on specific markets than the large multi-state companies such as Progressive or GEICO.

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