Save on 1996 Honda Passport Insurance Rates

Trying to find the cheapest insurance for a Honda Passport could be an all-consuming task, but you can follow our insurance coverage buying tips and make it easy. There is a right way and a wrong way to shop for insurance coverage and you need to know the absolute fastest way to price shop coverage for your Honda and obtain the best price possible.

It’s important to compare prices before your policy renews because rates are rarely the same from one policy term to another. Despite the fact that you may have had the best rates on Passport coverage a year ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate one of the easiest ways to eliminate unnecessary coverages and save money.

Finding affordable coverage is not that difficult. If you are insured now or are looking for a new policy, you will benefit by learning to shop for the lowest rates while maximizing coverage. Vehicle owners just need to know the best way to shop over the internet.

How to Compare Insurance

Most major insurance companies allow you to get pricing on their websites. Getting online rates is quite easy as you simply enter the amount of coverage you want into the quote form. After the form is submitted, their rating system orders information on your driving record and credit history and generates a price based on these factors.

Online price quotes streamlines rate comparisons, but the process of having to visit multiple sites and type in the same information is not the best way to spend an afternoon. But it’s absolutely necessary to compare as many rates as possible if you are searching for lower prices.

Quote rates the easy way

The easiest way to compare rates uses one form that gets prices from several companies at one time. The form is fast, eliminates repetitive work, and makes online shopping much easier to do. Immediately after you send the form, your coverage is rated with multiple companies and you can pick any or none of the resulting price quotes. If you find a better price you simply finish the application and buy the new coverage. The entire process takes less than 15 minutes and could lower your rates considerably.

In order to find out if lower rates are available, click here and begin entering your coverage information. To compare your current rates, we recommend you duplicate the coverage information exactly as shown on your declarations page. Doing this assures you will have an apples-to-apples comparison for exact coverage.

Companies offer discounts so take them!

Companies that sell car insurance don’t list all available discounts very well, so here is a list some of the more common as well as the least known savings tricks you should be using. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Sign Early and Save – Some insurance companies reward drivers for switching to them prior to your current policy expiration. It can save you around 10%.
  • Good Student – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Homeowners Pay Less – Owning a house may trigger a insurance coverage policy discount due to the fact that maintaining a home shows financial diligence.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Passport coverage than drivers with accidents.
  • Low Mileage – Keeping the miles down on your Honda can earn discounted rates on garaged vehicles.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off on Passport coverage with a few insurance coverage companies.
  • Multi-policy Discount – When you have multiple policies with one insurance company you will save up to 20% off your total premium.
  • Safety Course Discount – Successfully completing a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Multiple Vehicles – Insuring multiple vehicles on one policy may reduce the rate for each vehicle.
  • No Claims – Drivers who don’t have accidents can earn big discounts when compared with frequent claim filers.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most cut individual premiums such as comp or med pay. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

A partial list of companies that may offer these discounts may include but are not limited to:

Before buying, ask each company how you can save money. Some discounts might not apply in every state.

Do I just need basic coverages?

When choosing the best insurance coverage coverage for your vehicles, there is no perfect coverage plan. Each situation is unique.

These are some specific questions might point out whether your personal situation may require specific advice.

  • Where can I get insurance after a DUI in my state?
  • Is motorclub coverage worth it?
  • Should I buy only the required minimum liability coverage?
  • Am I covered if my car is in a flood?
  • Is my teen driver covered when they drive my company car?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is other people’s property covered if stolen from my vehicle?
  • When should I not file a claim?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

Coverages available on your policy

Learning about specific coverages of your policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision coverage – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a mailbox, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like rock chips in glass, damage from getting keyed, hitting a bird, falling objects and hitting a deer. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for liability – Liability coverage protects you from damages or injuries you inflict on a person or their property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as loss of income, pain and suffering and structural damage. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Honda Passport.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP – Med pay and PIP coverage pay for expenses like pain medications, ambulance fees, rehabilitation expenses, X-ray expenses and prosthetic devices. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay