Want to know how to find lower-priced insurance rates in Columbia, SC? Columbia buyers have many options when searching for low-cost Honda Fit insurance. You can either spend your time calling around trying to get quotes or utilize the internet to compare rates.
There are both good and bad ways to shop for insurance so we're going to tell you the proper way to price shop coverage on a Honda and obtain the lowest possible price either online or from Columbia insurance agents.
A recent NerdWallet.com study revealed that most drivers kept their coverage with the same insurance company for at least four years, and approximately 40% of consumers have never even compared rates from other companies. With the average premium in South Carolina being $1,430, drivers could pocket $700 a year by just comparing rate quotes, but they don't know how much they could save if they switch to a new company.
This article will teach you how car insurance quotes work and how you can save the most money. If you have a current insurance policy, you will most likely be able to save money using this strategy. You just have to know the most time-saving way to quote multiple rates over the internet.
The quickest method we recommend to compare car insurance company rates for Honda Fit insurance in Columbia is to take advantage of the fact most of the bigger providers actually pay money for the chance to compare their rates. The one thing you need to do is give them rating details like how much school you completed, what your job is, how many miles driven, and if you lease or own. That information is instantly provided to many highly-rated insurers and you receive quotes with very little delay.
If you wish to get multiple quotes for your Honda Fit now, click here then complete the form.
The companies in the list below are ready to provide free quotes in Columbia, SC. If several companies are displayed, we suggest you compare several of them in order to find the lowest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fit Sport VSA||$252||$644||$254||$16||$76||$1,242||$104|
|Get Your Own Custom Quote Go|
Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Premium amounts do not factor in zip code location which can alter auto insurance rates noticeably.
Physical damage deductibles
The diagram below illustrates how your deductible choice and can change Honda Fit insurance rates for different age groups. The data assumes a single female driver, comp and collision included, and no additional discounts are factored in.
Honda Fit annual premiums for males versus females
The example below illustrates the comparison of Honda Fit insurance rates for male and female drivers. The costs are based on no accidents, no driving violations, full physical damage coverage, $250 deductibles, marital status is single, and no additional discounts are factored in.
Earn discounts to get lower-cost Columbia car insurance quotes
Insurance can cost an arm and a leg, but you may find discounts that you may not know about. Some discounts apply automatically at the time you complete a quote, but some may not be applied and must be specifically requested before they will apply. If you check and find you aren't receiving every discount possible, you could be paying more than you need to.
- Data Collection Discounts - Insureds who allow their insurance company to look at vehicle usage by using a telematics device such as Progressive's Snapshot could save a few bucks if they have good driving habits.
- Policy Bundle Discount - When you combine your auto and home insurance with one company you may save at least 10 to 15 percent or more.
- Drivers Education - Cut your cost by having your teen driver participate in a local driver's education class if it's offered in school.
- Discount for Life Insurance - Larger insurance companies have lower prices if you buy life insurance.
- Service Members Pay Less - Being deployed in the military could mean lower rates.
- Discount for Passive Restraints - Factory air bags and/or automatic seat belt systems can receive discounts of 25 to 30%.
Consumers should know that most credits do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like it's possible to get free car insurance, nobody gets a free ride.
To locate providers who offer online Honda Fit insurance quotes in Columbia, click this link.
When should I talk to an insurance agency?
A lot of people would rather go talk to an agent and that is not a bad decision Experienced insurance agents can answer important questions and help file insurance claims. A good thing about comparing rates online is that you can obtain lower rates and still buy from a local agent. And supporting small agencies is especially important in Columbia.
Upon completion of this quick form, your insurance coverage information is instantly submitted to insurance agents in Columbia that can give you free Columbia car insurance quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to find an agent on your own because quoted prices will be sent immediately to your email address. If you wish to compare prices from a specific insurance company, you just need to search and find their rate quote page and give them your coverage information.
When researching a reliable agent, there are a couple of different agency structures that you can select. Car insurance agents can either be exclusive or independent (non-exclusive). Either type can insure your vehicles properly, but it's important to know the differences since it can impact the selection process.
Independent Car Insurance Agents (or Brokers)
Agents that elect to be independent do not have single company limitations so they can quote policies through many companies and potentially find a lower price. If your agent finds better pricing, the agent simply finds a different carrier which is easy for the insured. When comparing car insurance rates, we highly recommend that you include rate quotes from several independent agencies in order to compare the most rates. Many write coverage with less well-known companies that may have much lower rates than larger companies.
Below are independent insurance agencies in Columbia that can possibly get you rate quotes.
- Midland Agency
22 Office Park Ct - Columbia, SC 29223 - (803) 788-1312 - View Map
- Davis-Garvin Agency Inc
1 Fernandina Ct - Columbia, SC 29212 - (803) 732-0060 - View Map
- Butler's Insurance Agency
1617 Broad River Rd - Columbia, SC 29210 - (803) 772-6688 - View Map
Exclusive agents can only provide pricing for a single company and examples are State Farm, AAA, and Liberty Mutual. They generally cannot shop your coverage around so they are skilled at selling on more than just price. Exclusive agents are highly trained in insurance sales which helps them compete with independent agents. Some people will only buy from exclusive agents primarily because of the brand name and solid financial strength.
Listed below is a list of exclusive insurance agents in Columbia that can give you price quotes.
- GEICO Insurance Agent
504 Gervais St - Columbia, SC 29201 - (803) 250-4930 - View Map
- Amy Masincupp - State Farm Insurance Agent
612 St Andrews Rd #4 - Columbia, SC 29210 - (803) 772-5554 - View Map
- Gary Williamson - State Farm Insurance Agent
132 Harbison Blvd #100 - Columbia, SC 29212 - (803) 749-1279 - View Map
Selecting an insurance agent is decision based upon more than just the price. Any good agent in Columbia should know the answers to these questions.
- Does the agent help file claims?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Is there a Errors and Omissions policy in force?
- What kind of financial rating does the company have?
- How long have they been in business?
- Do they specialize in personal lines auto insurance in Columbia?
Buying the right Honda vehicle insurance in South Carolina is an important decision
Despite the high insurance cost for a Honda Fit in Columbia, auto insurance is required for several reasons.
- Most states have mandatory liability insurance requirements which means you are required to buy specific limits of liability if you drive a vehicle. In South Carolina these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Honda Fit has a loan, almost every bank will require you to buy full coverage to ensure loan repayment if the vehicle is totalled. If the policy lapses, the lender may have to buy a policy to insure your Honda at an extremely high rate and force you to reimburse them the higher premium.
- Insurance protects both your Honda Fit and your assets. It will also cover many types of medical costs for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney in the event you are sued. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of having auto insurance definitely exceed the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver overpays more than $865 each year so it's very important to do a rate comparison every year to make sure the price is not too high.
Insurance coverage considerations
Having a good grasp of your policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things such as theft, damage from a tornado or hurricane, fire damage, rock chips in glass and hitting a deer. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.
Insurance for medical payments
Coverage for medical payments and/or PIP kick in for expenses for rehabilitation expenses, surgery, pain medications, chiropractic care and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Honda Fit.
Since many South Carolina drivers have only the minimum liability required by law (South Carolina limits are 25/50/25), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are identical to your policy's liability coverage.
This can cover damages or injuries you inflict on other's property or people. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.
Liability can pay for things like medical services, legal defense fees, emergency aid, court costs and bail bonds. How much coverage you buy is your choice, but consider buying as high a limit as you can afford. South Carolina state minimum liability requirements are 25/50/25 but it's recommended drivers buy more coverage.
Collision coverage protection
This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things such as driving through your garage door, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible on your Fit in order to get cheaper collision rates.
Be persistent and save
Low-cost Honda Fit insurance in Columbia can be found from both online companies as well as from insurance agents, so get free Columbia car insurance quotes from both of them in order to have the best price selection to choose from. Some insurance providers may not provide rate quotes online and many times these small insurance companies work with local independent agents.
Consumers leave their current company for a number of reasons such as lack of trust in their agent, an unsatisfactory settlement offer, high prices or even policy cancellation. It doesn't matter what your reason, finding a new insurance company is easier than you think.
When getting Columbia car insurance quotes online, never reduce needed coverages to save money. Too many times, someone dropped comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage at a price you can afford, not the least amount of coverage.
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