Do you want to learn how to find lower-priced Honda Fit insurance in Pittsburgh? I really doubt anyone likes buying car insurance, particularly when they could get a better deal.
It’s well known that car insurance companies don’t want you to look at other companies. Drivers who shop rates annually are very likely to switch car insurance companies because they stand a good chance of finding a lower-priced company. A recent study showed that drivers who shopped around annually saved on average $865 a year compared to those who never shopped around.
If finding the most affordable Honda Fit insurance in Pittsburgh is your ultimate objective, learning how to find companies and compare coverage rates can make the process more efficient.
Insurance companies such as Allstate, Liberty Mutual and State Farm all promote huge savings with catchy ads and it can be hard to sift through the bull and take the time to shop coverage around.
Smart consumers take time to compare premium rates before your next renewal since rates are variable and change quite frequently. Just because you had the lowest rate on Honda Fit insurance in Pittsburgh at your last renewal other companies may now be cheaper. You can search a lot of Fit insurance online, but in just a couple of minutes you can learn some great ideas on how to lower your car insurance rates in Pittsburgh.
If you currently have car insurance, you will be able to find better prices using the techniques presented in this article. Buying affordable car insurance in Pittsburgh is actually not that difficult if you follow our advice. Nevertheless, Pennsylvania consumers need to learn how big insurance companies determine how much to charge and take advantage of how the system works.
When comparing car insurance rates, know that making a lot of price comparisons helps increase your odds of locating the best offered rates. Not every company does rate quotes online, so you should also compare quotes from them as well.
The companies in the list below have been selected to offer price quotes in Pittsburgh, PA. If your goal is to find cheap auto insurance in Pittsburgh, it’s a good idea that you visit several of them in order to get a fair rate comparison.
Lower-cost Pittsburgh auto insurance rates with discounts
Auto insurance companies don’t necessarily list every discount they offer very well, so the list below gives a summary of some of the best known as well as the least known discounts that you may qualify for.
- Defensive Driver Discounts – Successfully completing a safe driver course could save 5% or more if your company offers it.
- Military Discounts – Having a deployed family member may lower your auto insurance rates slightly.
- Low Mileage Discounts – Low mileage vehicles could qualify for slightly better rates than normal.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy auto and life insurance together.
- Accident Forgiveness Coverage – This isn’t a discount exactly, but companies like Allstate, Progressive, and GEICO will let one accident slide before your rates go up with the catch being you have to be claim-free before the accident.
Please keep in mind that most of the big mark downs will not be given to the entire cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it appears you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.
The illustration below shows the difference between Honda Fit insurance rates with and without discounts being applied to the rates. The premiums are based on a female driver, no violations or claims, Pennsylvania 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-car, multi-policy, claim-free, marriage, homeowner, and safe-driver discounts applied.
If you would like to see a list of providers with the best Honda Fit insurance discounts in Pittsburgh in Pennsylvania, click here to view.
Honda Fit coverage statistics
The price information below highlights detailed analysis of insurance prices for Honda Fit models. Being able to understand how rate quotes are formulated helps drivers make decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fit | $240 | $502 | $222 | $14 | $66 | $1,044 | $87 |
| Fit Sport | $274 | $502 | $222 | $14 | $66 | $1,078 | $90 |
| Fit Sport VSA | $274 | $590 | $222 | $14 | $66 | $1,166 | $97 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Prices do not factor in the specific area where the vehicle is garaged which can change coverage rates significantly.
Where to set your deductibles
When buying car insurance, a common question is how high should the deductibles for physical damage be. The premium rates below highlight the costs and benefits when you choose different coverage deductibles. The first rate estimation uses a $100 comprehensive and collision deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fit | $246 | $512 | $218 | $12 | $66 | $1,079 | $90 |
| Fit Sport | $284 | $512 | $218 | $12 | $66 | $1,117 | $93 |
| Fit Sport VSA | $284 | $602 | $218 | $12 | $66 | $1,207 | $101 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fit | $136 | $270 | $218 | $12 | $66 | $702 | $59 |
| Fit Sport | $158 | $270 | $218 | $12 | $66 | $724 | $60 |
| Fit Sport VSA | $158 | $318 | $218 | $12 | $66 | $772 | $64 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Information does not factor in vehicle garaging location which can affect coverage prices greatly.
Based on the data above, we can derive that using a $100 deductible costs roughly $34 more each month or $408 for a full year averaged for all Fit models than opting for the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 26 months between claims, you would probably save some money if you choose the higher deductible. The illustration below shows an example of how this decision is made.
| Average monthly premium for $100 deductibles: | $95 |
| Average monthly premium for $1,000 deductibles (subtract): | – $61 |
| Monthly savings from raising deductible: | $34 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $34 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 26 months |
The chart below illustrates how choosing a deductible and can increase or decrease Honda Fit insurance costs for different age groups of insureds. The prices are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.
Why Informed Drivers Pay Less for Honda Fit Insurance
When buying car insurance it’s important to understand the rating factors that help determine the price you pay for car insurance. When consumers understand what determines premiums, this empowers consumers to make smart changes that will entitle you to much lower annual insurance costs. Many factors are part of the calculation when premium rates are determined. Some are pretty understandable such as your driving history, although some other factors are less apparent like your vehicle usage or your vehicle rating.
- Adjust deductibles and save – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Some examples of covered claims are a dented fender, collision with an animal, and windstorm damage. Physical damage deductibles represent how much money you are willing to pay if the claim is covered. The more you’re willing to pay, the bigger discount you will receive.
- Occupation and insurance prices – Do you have a high-stress occupation? Careers like military personnel, social workers, and stock brokers tend to have higher premiums than the average policyholder attributed to intense work situations and long work days. Conversely, jobs like professors, engineers and retirees get better rates.
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Performance impacts insurance costs – The performance of the car you drive makes a big difference in the rate you pay. The lowest performance passenger cars normally have pretty low rates, but many other things help determine your insurance rates.
The following data assumes a married female driver age 50, full coverage with $500 deductibles, and no discounts or violations. It compares Honda Fit car insurance rates compared to other makes and models that have different risk factors.
- How credit rating affects car insurance costs – A driver’s credit score factor in calculating your car insurance rates. So if your credit rating can be improved, you could be paying less to insure your Honda Fit by improving your rating. People with high credit ratings tend to file fewer claims and have better driving records than drivers with lower ratings.
- Where you live plays a part – Being located in small towns and rural areas is a positive aspect when buying car insurance. Drivers who live in large cities have more aggressive driving styles and a longer drive to work. Lower population means reduced accidents in addition to lower liability claims.
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Gals tend to cost less – Over the last 50 years, statistics have shown that women are safer drivers than men. It does not mean men are worse drivers. Both sexes are responsible for at-fault accidents in similar percentages, but males have costlier accidents. Men also tend to get cited for more serious violations like DWI (DUI) or reckless driving.
The illustration below visualizes the comparison of Honda Fit auto insurance rates for male and female drivers. The rate quotes are based on no violations or accidents, full coverage, $500 deductibles, single marital status, and no discounts are applied to the premium.
- Infrequent drivers can save – The more you drive your Honda in a year the higher your rate. Most insurance companies charge rates based upon how much you drive. Autos that sit idle most of the time receive better premium rates compared to those used for work or business. It’s a good idea to make sure your policy states annual mileage, because improper ratings can cost you money. Incorrect rating for your Fit may be wasting your money.
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Honda Fit claim data – Insurers take into consideration insurance loss statistics for every vehicle when setting rates for each model. Models that historically have a higher amount or frequency of claims will have a higher cost to insure. The table below shows the insurance loss data for Honda Fit vehicles.
For each coverage category, the loss probability for all vehicles, without regard to make or model, is a value of 100. Values that are under 100 represent a good loss history, while numbers above 100 point to more frequent losses or tendency to have higher losses.
Honda Fit Insurance Loss Statistics Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Honda Fit 89 78 90 99 97 92 BETTERAVERAGEWORSEStatistics from IIHS.org for 2013-2015 Model Years
Compare rates but buy from a local Pittsburgh insurance agent
Many people just prefer to talk to an insurance agent and that is recommended in a lot of cases One of the great benefits of comparing rate quotes online is the fact that drivers can get the best rates and still buy from a local agent.
For easy comparison, once you complete this simple form, your coverage information is immediately sent to participating agents in Pittsburgh that provide free Pittsburgh car insurance quotes for your auto insurance coverage. You don’t have to visit any agencies since price quotes are sent immediately to you. It’s the lowest rates without the usual hassles of price shopping. In the event you want to compare prices from a specific auto insurance provider, feel free to go to their quote page and give them your coverage information.
Choosing an insurance company should include more criteria than just a cheap quote. Here are some questions you might want to ask.
- What companies can they write with?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Who is covered by the car insurance policy?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they review policy coverages at every renewal?
- Is there a 24/7 contact number?
- Does the company have a local claim office in Pittsburgh?
- Which insurance company do they prefer to write with?
What type of Pittsburgh auto insurance agent is right for you?
If you need to find a local agent, you must know there are a couple types of agencies that you can choose from. Auto insurance agents in Pittsburgh are categorized either exclusive or independent.
Exclusive Agencies
Exclusive agents can usually just insure with one company such as American Family, State Farm, and AAA. Exclusive agencies are unable to compare other company’s rates so they have to upsell other benefits. These agents are usually well trained on their products and sales techniques and that allows them to sell at a higher price point.
Shown below are exclusive insurance agents in Pittsburgh who can help you get rate quotes.
Steve Heller – State Farm Insurance Agent
146 Forest Hills Rd – Pittsburgh, PA 15221 – (412) 824-4800 – View Map
Allstate Insurance: Thomas Bianco
1154 Freeport Rd – Pittsburgh, PA 15238 – (412) 967-7655 – View Map
Mike Newell – State Farm Insurance Agent
4772 Liberty Ave – Pittsburgh, PA 15224 – (412) 621-0600 – View Map
Independent Auto Insurance Agencies
Agents of this type do not have single company limitations and that enables them to quote your coverage with a variety of different insurance companies and find the cheapest rate. To move your coverage to a new company, they simply move the coverage in-house and you won’t have to switch agencies. When comparing auto insurance rates, we highly recommend that you get quotes from several independent agencies to get the best comparison.
Shown below are independent agencies in Pittsburgh willing to provide comparison quotes.
MADIA INSURANCE AGENCY INC
9370 McKnight Rd #300A – Pittsburgh, PA 15237 – (412) 367-9200 – View Map
Murray Insurance Agency
1565 McFarland Rd – Pittsburgh, PA 15216 – (412) 561-1600 – View Map
Dowd Insurance Agency Inc
998, Greensburg Pike – East Pittsburgh, PA 15112 – (412) 271-5477 – View Map
One last note
In this article, we presented a lot of ways to save on Honda Fit insurance in Pittsburgh. The key concept to understand is the more rate quotes you have, the better your chances of lowering your premium rates. Consumers may even find the best car insurance rates are with an unexpected company. Some small companies can often insure niche markets at a lower cost compared to the large companies like Progressive or GEICO.
When buying insurance coverage, never skimp on coverage in order to save money. There have been many cases where an accident victim reduced liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your objective should be to find the BEST coverage at the best cost.
How to find affordable quotes for Honda Fit insurance in Pittsburgh
The recommended way to find low-cost auto insurance rates is to start comparing rates regularly from insurance carriers who can sell car insurance in Pittsburgh.
- Gain an understanding of coverages and the factors you can control to keep rates low. Many things that cause rate increases like accidents, traffic tickets, and a not-so-good credit history can be rectified by making small lifestyle or driving habit changes.
- Request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from a single company like Progressive and State Farm, while independent agents can quote rates for a wide range of companies. View a list of agents
- Compare the new rate quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find better rates and decide to switch, verify that coverage does not lapse between policies.
A good tip to remember is to try to use the same physical damage deductibles and liability limits on each price quote and and to get price estimates from every insurance company. Doing this enables a fair price comparison and a thorough price selection.
Much more information about auto insurance in Pennsylvania can be read below:
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- What Insurance is Cheapest for a GMC Sierra in Pittsburgh? (FAQ)
- How Much are Auto Insurance Quotes for a Dodge Ram in Pittsburgh? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Ford Explorer in Pittsburgh? (FAQ)
- Who Has Affordable Pittsburgh Car Insurance Rates for 16 Year Olds? (FAQ)
- How Much is Pittsburgh Auto Insurance for a 20 Year Old Male? (FAQ)
- How Much are Car Insurance Quotes for Police Officers in Pittsburgh? (FAQ)
- What is Full Coverage? (Allstate)
- Liability Insurance Coverage (Nationwide)