If you want to save the most money, the best way to get more affordable car insurance rates is to do a yearly price comparison from insurance carriers who can sell car insurance in Tucson. This can be done by completing these steps.
- Take a little time to learn about how companies set rates and the measures you can control to keep rates down. Many risk factors that are responsible for high rates like multiple speeding tickets and a not-so-good credit score can be remedied by making small lifestyle or driving habit changes.
- Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like Progressive or Farmers Insurance, while independent agencies can quote rates from multiple sources. Find a Tucson insurance agent
- Compare the new quotes to your existing rates to determine if switching companies saves money. If you find a lower rate quote, make sure coverage is continuous and does not lapse.
- Tell your current agent or company of your intent to cancel your existing policy. Submit a down payment and signed policy application for the new policy. Don’t forget to safely store the proof of insurance certificate with the vehicle registration.
A good piece of advice is to try to use the same level of coverage on each price quote and and to get price estimates from as many car insurance companies as possible. Doing this ensures a fair price comparison and the best price selection.
Smart shoppers know that car insurance companies want to keep you from shopping around. People who perform rate comparisons will most likely switch insurance companies because they have a good chance of finding a policy with more affordable rates. A recent survey found that people who regularly compared price quotes saved about $860 a year compared to policyholders who never shopped for cheaper rates.
If finding the cheapest price on Honda Fit insurance in Tucson is your ultimate goal, understanding how to compare car insurance can save money and time.
This article will teach you a little about the most effective ways to compare rates and some money-saving tips. If you are paying for car insurance now, you will surely be able to shop for the lowest rates using this information. Nevertheless, Arizona vehicle owners need to learn how insurance companies market on the web and use this information to your advantage.
The method we recommend to compare car insurance company rates for Honda Fit insurance in Tucson is to take advantage of the fact most of the larger companies allow for online access to give free rates quotes. The one thing you need to do is provide details including how much education you have, an estimate of your credit level, the ages of drivers, and how many miles driven. Your insurance information gets sent immediately to insurance companies and you receive quotes very quickly.
To check rates for your car now, click here and enter the information requested.
The companies shown below are our best choices to provide price comparisons in Arizona. In order to find the best car insurance in Tucson, AZ, we recommend you visit as many as you can to find the most affordable car insurance rates.
Insurance coverage analysis
The coverage information displayed next highlights estimates of coverage costs for Honda Fit models. Knowing how auto insurance policy rates are determined can be of help when making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fit | $128 | $268 | $190 | $12 | $56 | $654 | $55 |
| Fit Sport | $146 | $268 | $190 | $12 | $56 | $672 | $56 |
| Fit Sport VSA | $146 | $316 | $190 | $12 | $56 | $720 | $60 |
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Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in vehicle garaging location which can raise or lower coverage rates substantially.
The information below demonstrates how deductibles and can raise or lower Honda Fit insurance rates for different insured age categories. The data assumes a single male driver, comp and collision included, and no discounts are factored in.
Rate difference between full and liability-only coverage
The illustration below illustrates the difference between Honda Fit auto insurance costs with full coverage and liability only. Data assumes no claims or violations, $1,000 deductibles, drivers are single, and no policy discounts are applied.
When to buy liability coverage only
There is no definitive guideline to stop buying physical damage coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Honda Fit replacement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $2,000 after paying the physical damage deductible. If it’s costing in excess of $200 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.
There are some scenarios where only buying liability is not recommended. If you still owe money on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not drop full coverage.
Three good reasons to insure your Fit
Even though it can be expensive, car insurance is required by state law in Arizona and it also provides benefits you may not be aware of.
- Most states have minimum liability requirements which means the state requires specific limits of liability coverage in order to get the vehicle licensed. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your Honda with a loan, almost every bank will stipulate that you buy full coverage to guarantee loan repayment. If you let the policy lapse, the bank will be required to insure your Honda at a significantly higher premium and require you to fork over the higher price.
- Car insurance protects both your assets and your vehicle. It will also cover medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability insurance also pays expenses related to your legal defense if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will cover the repair costs.
The benefits of having insurance more than cancel out the cost, particularly for liability claims. On average, a vehicle owner in Tucson is overpaying over $700 annually so you should quote rates at least once a year to ensure rates are competitive.
Get cheaper rates on Honda Fit insurance in Tucson with these ten auto insurance discounts
Properly insuring your vehicles can get expensive, but companies offer discounts that you may not even be aware of. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be asked for before you get the savings.
- Discount for Good Grades – Excelling in school can get you a discount of up to 25%. The good student discount can last up to age 25.
- Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
- Theft Deterrent Discount – Cars that have factory anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
- Discount for New Cars – Adding a new car to your policy may earn a small discount since newer models have better safety ratings.
- Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in school or through a local driver safety program.
- Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
- Driver Training Discounts – Passing a class that teaches defensive driver techniques could save 5% or more if your company offers it.
- Discount for Multiple Policies – If you insure your home and vehicles with the same insurance company you will save nearly 15% which can help you find inexpensive Honda Fit insurance in Tucson.
- Service Members Pay Less – Having an actively deployed family member may qualify for rate reductions.
- College Student Discount – Children living away from Tucson attending college and do not take a car to college could qualify for this discount.
As a sidenote, some credits don’t apply to the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky.
The example below illustrates the difference between Honda Fit insurance costs with and without policy discounts. The data assumes a male driver, no accidents, no driving violations, Arizona 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-car, multi-policy, claim-free, marriage, safe-driver, and homeowner discounts applied.
If you would like to see a list of insurers offering auto insurance discounts in Tucson, click here to view.
What if I want to buy from local Tucson insurance agencies?
A lot of people still prefer to have an agent’s advice and we recommend doing that A nice benefit of getting free rate quotes online is that you can obtain lower rates and also buy local. Buying from and supporting local agents is still important in Tucson.
For easy comparison, once you complete this simple form, your insurance coverage information is transmitted to companies in Tucson that can give you free Tucson auto insurance quotes for your business. It’s much easier because you don’t need to visit any agencies since price quotes are sent to the email address you provide. You can most likely find cheaper rates and an insurance agent to talk to. If you have a need to compare rates from one company in particular, you can always navigate to their website and submit a quote form there.
Finding the right insurer should depend on more than just a cheap price. Any good agent in Tucson should know the answers to these questions.
- Are there any discounts that you might be missing?
- Do they offer rental car reimbursement?
- Which family members are covered?
- Which companies can they place coverage with?
- Does the agent recommend any additional coverage?
If you feel you receive good feedback to your questions and a low price estimate, you have narrowed it down to an insurer that is a good match to insure your vehicles.
Detailed coverages of your auto insurance policy
Having a good grasp of auto insurance aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages found on most auto insurance policies.
Auto liability insurance
This coverage will cover damage that occurs to a person or their property. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 15/30/10 which means a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.
Liability can pay for things such as structural damage, repair bills for other people’s vehicles, loss of income, bail bonds and medical services. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible. Arizona requires drivers to carry at least 15/30/10 but drivers should carry more coverage.
The chart below shows why low liability limits may not be enough coverage.
Uninsured Motorist or Underinsured Motorist insurance
This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Honda Fit.
Since a lot of drivers only purchase the least amount of liability that is required (Arizona limits are 15/30/10), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages are similar to your liability insurance amounts.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance pay for immediate expenses such as nursing services, chiropractic care, pain medications and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Collision protection
Collision coverage will pay to fix damage to your Fit from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as rolling your car, hitting a mailbox, sideswiping another vehicle, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to bump up the deductible on your Fit to get cheaper collision coverage.
Comprehensive coverage (or Other than Collision)
This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like a tree branch falling on your vehicle, vandalism, damage from getting keyed and rock chips in glass. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Car insurance companies ranked
Choosing a good quality auto insurance provider is difficult considering how many companies provide coverage in Arizona. The rank data displayed below may help you pick which auto insurance companies you want to consider when comparing rates.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
A conclusion for your insurance search
When getting Tucson auto insurance quotes online, it’s very important that you do not sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal should be to purchase a proper amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.
You just read many ideas to compare Honda Fit insurance car insurance rates in Tucson. The key concept to understand is the more companies you get premium rates for, the better your comparison will be. Consumers could even find that the lowest priced insurance comes from a smaller regional carrier. These companies can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.
Some companies do not offer the ability to get a quote online and many times these regional carriers sell through independent agents. Cheap Honda Fit insurance in Tucson can be found from both online companies and also from your neighborhood Tucson agents, and you should compare rates from both so you have a total pricing picture.
Additional information can be found below:
- Red Light Cameras (State Farm)
- How Much are Car Insurance Rates for Drivers Over Age 60 in Tucson? (FAQ)
- Who Has the Cheapest Tucson Car Insurance for Felons? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Honda Accord in Tucson? (FAQ)
- Who Has Cheap Tucson Car Insurance Rates for a School Permit? (FAQ)
- How Much is Auto Insurance for a Dodge Ram in Tucson? (FAQ)
- Auto Insurance Basics (Insurance Information Institute)
- How to Avoid Common Accidents (State Farm)
- Rental Reimbursement Coverage (Allstate)
- Airbag FAQ (iihs.org)