Cheap 2000 Honda Passport Insurance Quotes

Looking for cheaper insurance rates for your Honda Passport? No one in their right mind likes paying for insurance, in particular when they are paying too much.

With consumers having so many choices, it’s nearly impossible to locate the best insurance company.

The purpose of this post is to help educate you on the most effective way to quote insurance and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Nevertheless, vehicle owners need to learn how the larger insurance companies market insurance on the web and take advantage of how the system works.

Compare the Market for Insurance

When shopping for insurance there are multiple ways to get quotes and find the best price. One of the best ways to find competitive 2000 Honda Passport insurance rates consists of obtaining rate quotes online. It is quite easy and can be accomplished using a couple different methods.

  1. The first (and easiest) way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This easy form eliminates the need for repetitive form entry for each company. One form will return quotes from all major companies.
  2. A different way to compare prices is spending the time to visit the website for every company you want to comare to request a price quote. For examples sake, let’s assume you want rates from State Farm, Safeco and Progressive. To get each rate you have to spend time on each company’s site and enter your policy data, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just make absolute certain that you use the exact same deductibles and coverage limits on every quote. If you have unequal deductibles or liability limits you will not be able to determine the best price for your Honda Passport. Having just a slight variation in coverage limits may result in a large different in cost. Keep in mind that quoting more provides better odds of finding the best price.

Save on 2000 Honda Passport insurance

The cost of insuring your cars can be expensive, but you can get discounts to help bring down the price. A few discounts will automatically apply when you purchase, but some must be specially asked for prior to getting the savings.

  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course in school.
  • Early Switch Discount – Some companies give discounts for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Accident Waiver – Certain companies allow you one accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • College Student – Any of your kids who are attending college and do not have a car may be able to be covered for less.
  • Homeowners Discount – Owning a house can help you save on car insurance because maintaining a house demonstrates responsibility.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% on Passport coverage depending on your company.
  • Senior Citizens – Older drivers may qualify for a small decrease in premiums on Passport coverage.

Consumers should know that most credits do not apply to the entire cost. Most only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like you can get free auto insurance, car insurance companies aren’t that generous. Any amount of discount will help reduce your overall premium however.

To see a list of insurers with the best car insurance discounts, follow this link.

Tailor your coverage to you

When it comes to buying adequate coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that might help in determining whether or not you could use an agent’s help.

  • How high should deductibles be on a 2000 Honda Passport?
  • Does coverage extend to Mexico or Canada?
  • Do I benefit by insuring my home with the same company?
  • When should I not file a claim?
  • Can my babysitter drive my car?
  • I don’t drive much so do I pay less?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Lesser-known factors impacting Honda Passport insurance rates

It’s important that you understand the rating factors that come into play when calculating your insurance coverage rates. Having a good understanding of what impacts premium levels enables informed choices that could result in big savings.

The list below includes a partial list of the pieces insurance coverage companies consider when setting premiums.

  • Your stress level may be raising your rates – Jobs such as lawyers, architects and stock brokers are shown to have the highest rates in part from stressful work requirements and long work hours. On the other hand, jobs such as pilots, students and the unemployed pay the least on Passport coverage.
  • Tickets mean higher rates – Drivers with clean records get better rates than bad drivers. Even a single citation may increase your cost by as much as thirty percent. Drivers with serious tickets like hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
  • Add-on coverages can add up – There are a lot of additional coverages that you can get tricked into buying on your Passport policy. Coverages for roadside assistance, accidental death and motor club memberships are examples of these. They may seem good when talking to your agent, but if you don’t need them eliminate them to save money.
  • Small claims can cost you – If you file claims often, you can expect either a policy non-renewal or much higher rates. Auto insurance companies award discounts to drivers who do not file claims often. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Pay less if you’re married – Having a wife or husband helps lower the price when buying insurance coverage. Marriage means you’re more mature than a single person it has been statistically shown that married couples file fewer claims.
  • Liability insurance protects assets – Your policy’s liability coverage is the protection in the event that a court rules you are at fault for personal injury or accident damage. Liability insurance provides legal defense coverage which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so drivers should carry high limits.

Car insurance ads bend the truth

Companies like 21st Century, Allstate and State Farm continually stream television and radio advertisements. All the ads make the same claim that you’ll save big after switching to them. How do they all claim to save you money?

All companies have a preferred profile for the type of customer that earns them a profit. For example, a profitable customer could possibly be between the ages of 40 and 55, is a homeowner, and has great credit. A propective insured that hits that “sweet spot” gets the lowest rates and most likely will save quite a bit of money when switching.

Drivers who don’t measure up to the requirements must pay a more expensive rate which leads to business going elsewhere. The ad wording is “people who switch” not “everyone that quotes” save that much. That’s the way companies can truthfully make those claims.

This illustrates why you absolutely need to get a wide range of price quotes. Because you never know which insurance companies will fit your personal profile best.

Auto insurance coverages

Understanding the coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages found on the average car insurance policy.

Liability car insurance

This coverage provides protection from damage or injury you incur to other’s property or people. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like attorney fees, legal defense fees, medical services and emergency aid. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they 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 2000 Honda Passport.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, fire damage, damage from getting keyed and falling objects. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for collisions

Collision insurance will pay to fix damage to your Passport from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like damaging your car on a curb, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for bills for surgery, prosthetic devices, rehabilitation expenses and doctor visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Cheaper insurance is a realistic goal

Affordable 2000 Honda Passport insurance can be sourced from both online companies as well as from independent agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who don’t offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

As you restructure your insurance plan, you should never reduce needed coverages to save money. There are too many instances where an insured cut liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

We’ve covered a lot of ways to get a better price on insurance. It’s most important to understand that the more you quote, the better your comparison will be. Consumers could even find that the biggest savings come from some of the lesser-known companies. These smaller insurers may cover specific market segments cheaper than their larger competitors like State Farm, Geico and Nationwide.

More tips and info about insurance coverage is located at these sites: