The recommended way to find lower priced auto insurance rates in Columbus is to compare quotes annually from insurers in Ohio.
First, try to learn about individual coverages and the modifications you can make to prevent high rates. Many things that cause high rates like traffic citations, accidents, and an imperfect credit rating can be remedied by making minor changes in your lifestyle.
Second, quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from one company like GEICO and Allstate, while agents who are independent can provide prices from many different companies. Start a quote
Third, compare the new rate quotes to your existing policy and see if there is a cheaper rate in Columbus. If you find a lower rate quote and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
An important bit of advice to remember is that you use similar deductibles and liability limits on every price quote and and to compare every insurance company. Doing this provides a level playing field and a complete price analysis.
It’s hard to believe, but most insurance customers kept buying from the same company for at least the last four years, and 38% of drivers have never compared rates to find affordable insurance. The average driver in Columbus could save nearly 55% a year by just comparing quotes, but they don’t know the large savings they would see if they just switched companies.
Insurance discounts are available to cut your rates
Not many people think insurance is cheap, but companies offer discounts that many consumers don’t even know exist. Most are applied when you purchase, but occasionally some discounts must be inquired about before they will apply.
- New Car Discount – Adding a new car to your policy can save you some money because newer vehicles keep occupants safer.
- Lower Rates for Military – Having a family member in the military may lower your insurance rates slightly.
- Student Discount for Driver Training – Teen drivers should successfully complete driver’s ed class in school.
- Discount for Low Mileage – Keeping the miles down on your Honda can qualify you for cheaper premium rates.
- Safety Course Discount – Successfully completing a defensive driver course could cut 5% off your bill if your company offers it.
- Theft Deterrent System – Vehicles with anti-theft systems help deter theft and earn discounts up to 10% off your Columbus auto insurance quote.
As is typical with insurance, some credits don’t apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as comp or med pay. Even though it may seem like you can get free auto insurance, nobody gets a free ride. But all discounts should help reduce your insurance premiums.
The illustration below shows the comparison of Honda Fit insurance costs with and without policy discounts. The costs are based on a male driver, no driving violations, no at-fault accidents, Ohio state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-policy, safe-driver, multi-car, and claim-free discounts applied.
Popular insurance companies and their offered discounts can be found below.
- The Hartford offers discounts for anti-theft, vehicle fuel type, defensive driver, air bag, and bundle.
- American Family may offer discounts for multi-vehicle, early bird, TimeAway discount, mySafetyValet, accident-free, and good driver.
- Progressive offers premium reductions for online signing, good student, multi-vehicle, homeowner, and online quote discount.
- Travelers includes discounts for save driver, good student, continuous insurance, early quote, home ownership, and multi-policy.
- Farmers Insurance may include discounts for early shopping, youthful driver, teen driver, mature driver, and good student.
- USAA has savings for multi-policy, loyalty savings, vehicle storage, new vehicle, driver training, family discount, and multi-vehicle.
- Liberty Mutual policyholders can earn discounts including newly married, multi-policy, good student, teen driver discount, new move discount, and exclusive group savings.
If you want affordable Columbus auto insurance quotes, ask every insurance company the best way to save money. Savings might not be offered everywhere.
Shop Honda Fit insurance online
Most of the larger companies allow you to get prices online. Comparing Honda Fit insurance rates online is fairly simple as you simply type in your required coverages into the form. After you submit the form their quoting system collects information on your driving record and credit history and provides a quote based on the data you entered.
The ability to get online rates for Honda Fit insurance in Columbus makes it a lot easier to compare rates and it’s necessary to have as many quotes as possible in order to find a lower rate.
To quickly compare rates using this form now, take a look at the companies shown below. If you currently have coverage, we recommend you replicate your coverages exactly as they are listed on your policy. Doing this guarantees you will have a price comparison using the same coverage and limits.
The companies in the list below provide price quotes in Columbus, OH. If multiple providers are shown, we suggest you compare several of them to get the best price comparison.
Analysis of Honda Fit rates
The rate information shown below covers detailed analysis of insurance premium costs for Honda Fit models. Having insight into how insurance prices are figured can assist in making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fit | $142 | $238 | $196 | $12 | $58 | $646 | $54 |
| Fit Sport | $162 | $238 | $196 | $12 | $58 | $666 | $56 |
| Fit Sport VSA | $162 | $280 | $196 | $12 | $58 | $708 | $59 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rate information does not factor in specific garaging location which can modify prices considerably.
Comparison of policy deductibles
One of the most common auto insurance questions is at what level do you set your deductibles. The rates shown below may help you to understand the rate difference when you select higher and lower coverage deductibles. The first set of rates uses a $250 physical damage deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fit | $152 | $296 | $150 | $10 | $44 | $677 | $56 |
| Fit Sport | $176 | $296 | $150 | $10 | $44 | $701 | $58 |
| Fit Sport VSA | $176 | $348 | $150 | $10 | $44 | $753 | $63 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fit | $94 | $186 | $150 | $10 | $44 | $484 | $40 |
| Fit Sport | $108 | $186 | $150 | $10 | $44 | $498 | $42 |
| Fit Sport VSA | $108 | $220 | $150 | $10 | $44 | $532 | $44 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in specific zip code location which can affect auto insurance rates noticeably.
Based on the figures above, using a $250 deductible will cost you approximately $17 more each month or $204 a year averaged for all Fit models than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 44 months between claim filings, you would probably come out ahead by going with a higher deductible.
Price comparison of only insuring for liability
The information below illustrates the difference between Honda Fit annual premium costs with full coverage and liability only. Data assumes a clean driving record, no claims, $100 deductibles, drivers are not married, and no discounts are applied to the premium.
When to stop buying full coverage
There isn’t a steadfast formula to eliminate full coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let’s pretend your Honda Fit claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $7,000 after you pay the deductible. If premiums are more than $700 a year for physical damage coverage, then it might be time to consider dropping full coverage.
There are a few situations where dropping physical damage coverage is not a good idea. If you still have a loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not drop full coverage.
When to have guidance from a local insurance agent
A lot of people prefer to buy from a local agent. The best thing about getting free rate quotes online is that you can find better rates and still have a local agent.
After completing this simple form, your insurance data is immediately sent to companies in Columbus who will gladly provide quotes to get your business. There is no reason to drive around since rate quotes are delivered straight to your inbox. You can most likely find cheaper rates AND a local agent. In the event you want to get a price quote from one company in particular, feel free to jump over to their website and fill out their quote form.
Picking an insurance company is decision based upon more than just the bottom line cost. Any good agent in Columbus should know the answers to these questions.
- Are aftermarket or OEM parts used to repair vehicles?
- Which company do they place the most coverage with?
- Are they able to provide referrals?
- Is there a 24/7 contact number?
- Does the agency have a current Errors and Omissions policy?
- Is the agency involved in supporting local community causes?
- Can they help ensure a fair claim settlement?
Best car insurance agent in Columbus
When looking for local Columbus agents, it can be helpful to understand the different agency structures and how they can quote your rates. Car insurance agents are classified as either independent or exclusive.
Exclusive Insurance Agents
Agents in the exclusive channel generally can only insure with one company such as State Farm or Allstate. Exclusive agents cannot compare rates from other companies so they are skilled at selling on more than just price. Exclusive insurance agents are highly trained on sales techniques and that allows them to sell at a higher price point. Drivers often use the same exclusive agent mostly because of the brand instead of buying on price only.
Listed below are Columbus exclusive insurance agents willing to provide price quote information.
- Bruce Rothermund – State Farm Insurance Agent
50 Northwoods Blvd – Columbus, OH 43235 – (614) 888-5830 – View Map - Howard Tyler – State Farm Insurance Agent
1395 E Dublin Granville Rd #201 – Columbus, OH 43229 – (614) 431-8192 – View Map - Buddy White – State Farm Insurance Agent
1500 S Hamilton Rd – Columbus, OH 43227 – (614) 864-1050 – View Map
Independent Agents (or Brokers)
Agents that choose to be independent are not locked into one company so as a result can place your coverage through many different car insurance companies and find the cheapest rate. If they find a lower price, the business is moved internally without you having to go to a different agency. When comparing car insurance prices, we recommend you get several quotes from a couple of independent agencies in order to compare the most rates. Most independent agents also contract with smaller regional carriers which can save you money.
The following is a short list of independent insurance agents in Columbus who can help you get price quote information.
- Nationwide Insurance: Sylvia A Garrett Insurance Agency Llc
1 W Nationwide Blvd – Columbus, OH 43215 – (614) 249-2141 – View Map - Ansong Insurance Agency
5272 Cleveland Ave – Columbus, OH 43231 – (614) 259-3635 – View Map - Nationwide Insurance: Robert Darnell Jackson Agency
2690 E Main St – Columbus, OH 43209 – (614) 235-5413 – View Map
After receiving reasonable responses to these questions and cheap Fit insurance quotes, you may have found an insurance agent that is reliable enough to adequately provide car insurance.
Do the work, save more money
Drivers change insurance companies for any number of reasons including questionable increases in premium, unfair underwriting practices, high rates after DUI convictions or policy cancellation. It doesn’t matter why you want to switch finding the right insurance provider is actually quite simple.
Budget-conscious Honda Fit insurance can be bought on the web and from local agencies, so you should compare both to have the best rate selection. There are still a few companies who may not have online rate quotes and usually these regional insurance providers provide coverage only through local independent agencies.
We covered many ideas to reduce Honda Fit insurance prices online in Columbus. The key concept to understand is the more price quotes you have, the better likelihood of getting cheaper Columbus auto insurance quotes. You may even find the lowest prices come from a company that doesn’t do a lot of advertising.
Additional detailed information can be read in these articles:
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Who Has Cheap Auto Insurance for a Honda Accord in Columbus? (FAQ)
- Who Has Cheap Auto Insurance Rates for First-time Drivers in Columbus? (FAQ)
- Who Has Affordable Columbus Car Insurance for Felons? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Honda CR-V in Columbus? (FAQ)
- How Much are Columbus Auto Insurance Quotes for a Toyota Highlander? (FAQ)
- Safety Belts FAQ (iihs.org)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- A Tree Fell on Your Car: Now What? (Allstate)
- Vehicle Insurance in the U.S. (Wikipedia)