Save Money on Honda Fit Insurance in New Orleans

Discount Honda Fit insuranceShopping for cheap New Orleans Honda Fit insurance quotes on the web might appear difficult for drivers new to comparing rates on the internet. With such a large number of companies in the marketplace, how are drivers able to have the ability to compare each option to find better rates?

How to find cheaper rates for Honda Fit insurance in New Orleans

If you want to save money, the best way to find cheaper quotes for auto insurance rates is to regularly compare price quotes from companies that sell auto insurance in New Orleans. Prices can be compared by following these steps.

A key point to remember is that you use the same coverage limits and deductibles on every quote and and to get price quotes from as many different companies as possible. Doing this provides an apples-to-apples comparison and a thorough selection of prices.

Amazingly, the vast majority of insurance customers renewed their policy with the same company for at least the last four years, and almost half have never even shopped around for affordable coverage. The average driver in New Orleans can cut their rates by up to $900 a year by just comparing rate quotes, but they just don’t understand how easy it is to shop around.

Most major insurance companies such as State Farm, GEICO and Progressive allow you to get coverage price quotes direct online. The process is fairly straightforward as you simply enter the coverages you want into a form. Upon sending the form, the system pulls information on your driving record and credit history and returns pricing information.

Getting online price quotes for Honda Fit insurance in New Orleans makes comparing rates easy, and it is imperative to compare as many rates as possible if you want to get the best rate on car insurance.

In order to compare rates using this form now, compare quotes from the companies shown below. If you have your current policy handy, we recommend that you enter the insurance coverages exactly as shown on your declarations page. Using the same limits helps guarantee you will have rate quotes for the exact same coverage.

The companies shown below are our best choices to provide free rate quotes in New Orleans, LA. To find cheaper auto insurance in New Orleans, we suggest you visit two to three different companies to get the most competitive price.

Discounts can help to save on Honda Fit insurance in New Orleans

Auto insurance is easily one of your largest bills, but there’s a good chance there are discounts that many consumers don’t even know exist. A few discounts will be applied when you quote, but a few must be requested specifically prior to receiving the credit.Cheaper auto insurance with discounts

Don’t be shocked that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. Despite the appearance that adding up those discounts means a free policy, auto insurance companies aren’t that generous.

The illustration below compares Honda Fit yearly insurance costs with and without discounts. The rates are based on a female driver, no accidents or driving violations, Louisiana state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, safe-driver, marriage, multi-car, and claim-free discounts applied.

If you would like to see a list of companies that have a full spectrum of discounts in Louisiana, click this link.

Rates and statistics

The price information shown below covers detailed analysis of insurance policy prices for Honda Fit models. Learning more about how policy premiums are calculated can aid in making smart buying decisions.

Honda Fit Insurance Rates in New Orleans, LA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fit $218 $478 $322 $20 $96 $1,134 $95
Fit Sport $250 $478 $322 $20 $96 $1,166 $97
Fit Sport VSA $250 $564 $322 $20 $96 $1,252 $104
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Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Price estimates do not factor in garaging location in New Orleans which can affect auto insurance rates considerably.

How high should deductibles be?

One of the hardest decisions when shopping for insurance is how high should the deductibles for physical damage be. The comparisons below determine the price difference when you choose different deductibles. The first table uses a $100 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.

Honda Fit insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fit $348 $722 $306 $18 $92 $1,511 $126
Fit Sport $400 $722 $306 $18 $92 $1,563 $130
Fit Sport VSA $400 $850 $306 $18 $92 $1,691 $141
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Honda Fit insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fit $194 $380 $306 $18 $92 $990 $83
Fit Sport $222 $380 $306 $18 $92 $1,018 $85
Fit Sport VSA $222 $448 $306 $18 $92 $1,086 $91
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Table data does not factor in vehicle garaging location which can lower or raise price quotes noticeably.

Using the premium rates above, we can conclude that using a $100 deductible could cost the average driver approximately $46 more each month or $552 for a full year than choosing the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 20 months between claims, you would save money going with the higher deductible.

The diagram below shows how choosing a deductible and can change Honda Fit premium costs for different categories of driver ages. The premium estimates are based on a married male driver, full coverage, and no discounts are factored in.

New Orleans Insurance Prices are Influenced by These Factors

Many different elements are used when pricing auto insurance. Some are pretty understandable like a motor vehicle report, but other criteria are not quite as obvious like your continuous coverage or your commute time. One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that aid in calculating your premiums. If you know what determines base rates, this enables informed choices that can earn you better insurance rates.

Shown below are some of the things that factor into your premiums.

Get rate quotes but still have a neighborhood New Orleans auto insurance agent

Some people still like to buy from a licensed agent and doing so can bring peace of mind A nice benefit of comparing rate quotes online is you may find cheap car insurance quotes and still have a local agent.

New Orleans insurance agentsTo make it easy to find an agent, after completing this quick form, your coverage information gets sent to local insurance agents that can give you free New Orleans auto insurance quotes to get your business. There is no reason to contact any insurance agencies since price quotes are sent instantly to you. You can most likely find cheaper rates without having to waste a lot of time. If for some reason you want to compare rates from a specific company, you just need to navigate to their website and submit a quote form there.

Finding a good insurer should depend on more than just a low price. Some important questions to ask are:

Exclusive agents vs. Independent agents

When looking for a reputable insurance agent or broker, you need to know there are two types of agencies and how they are distinctly different. Agents can be described as either exclusive or independent.

Exclusive Car Insurance Agencies

Exclusive agents can only write with one company and examples are Allstate, Farmers Insurance or State Farm. These agents are unable to shop your coverage around so you might not find the best rates. Exclusive insurance agents are trained well on their company’s products and that enables them to sell even at higher rates. Some consumers prefer to use the same exclusive agent mainly due to the brand name rather than low price.

The following are New Orleans exclusive agents willing to provide price quotes.

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Independent Agents (or Brokers)

These agents are not employed by any specific company so they have the ability to put coverage with many different companies and help determine which has the cheapest rates. To transfer your coverage to a different company, the agent simply finds a different carrier and you won’t have to switch agencies.

If you need lower rates, you will definitely want to get rate quotes from a few independent agents so that you have a good selection of quotes to compare. Most can insure with small mutual carriers that may have much lower rates than larger companies.

The following are New Orleans independent insurance agencies that can give you rate quotes.

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After receiving positive feedback to any questions you have and an acceptable price quote, you’ve probably found a car insurance agent that will provide car insurance coverage.

You may need specialized auto insurance coverage

When choosing insurance from an agent or online for your vehicles, there really is not a perfect coverage plan. Everyone’s needs are different so this has to be addressed.Drive safe and save
These are some specific questions can aid in determining whether your personal situation would benefit from professional advice.

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Quote. Compare. Save.

As you quote New Orleans auto insurance, do not reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced collision coverage only to discover later that it was a big mistake. The ultimate goal is to find the BEST coverage at the best possible price.

We just showed you some good ideas how to reduce Honda Fit insurance rates online in New Orleans. The most important thing to understand is the more companies you get auto insurance rates for, the better likelihood of getting the cheapest Honda Fit rate quotes. Consumers may even find the lowest rates come from a smaller regional carrier. They often have lower auto insurance rates on specific markets as compared to the big name companies such as Progressive or GEICO.

How to buy low-cost Honda Fit insurance in New Orleans

If your goal is the lowest price, then the best way to find better pricing on car insurance rates is to start doing a yearly price comparison from insurance carriers in New Orleans. You can compare rates by completing these steps.

  1. Gain an understanding of how companies set rates and the modifications you can make to prevent expensive coverage. Many factors that increase rates such as accidents, careless driving, and a bad credit score can be rectified by making minor changes in your lifestyle.
  2. Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from one company like Progressive or Farmers Insurance, while independent agencies can quote prices for many different companies.
  3. Compare the price quotes to your current policy premium to see if a cheaper price is available. If you can save money, make sure there is no lapse in coverage.
  4. Provide notification to your current company of your intention to cancel your current auto insurance policy. Submit a signed application and payment to the new company. Make sure you keep your new proof of insurance paperwork along with the vehicle’s registration papers.

An important note is to make sure you’re comparing identical deductibles and limits on each quote request and and to get price estimates from as many carriers as you can. Doing this ensures a level playing field and plenty of rates choose from.

More detailed car insurance information can be found by following these links: