Lower Your 2001 Honda Passport Insurance Cost

Drivers have lots of choices when trying to find affordable Honda Passport insurance. You can either waste hours driving around to compare prices or save time using the internet to make rate comparisons. There are both good and bad ways to shop for car insurance and you need to know the absolute fastest way to compare rates for a new or used Honda and locate the cheapest rates either online or from local insurance agents.

It’s a good idea to compare rates before your policy renews because prices fluctuate regularly. If you had the lowest rates for Passport insurance a couple years back other companies may now be cheaper. There is a lot of bad advice regarding car insurance on the web, but we’re going to give you some tested techniques to find affordable car insurance.

Don’t miss these discounts

Car insurance companies don’t necessarily list all available discounts very clearly, so we took the time to find some of the more common and also the lesser-known ways to save on insurance coverage. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Defensive Driving Course – Taking part in a course teaching defensive driving skills can save you 5% or more if you qualify.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with a substantially lower rate.
  • Auto/Life Discount – Larger companies have lower rates if you buy auto and life insurance together.
  • E-sign – Some insurance companies will give a small break for buying a policy and signing up online.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for a small decrease in premiums for Passport insurance.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident without raising rates so long as you haven’t had any claims for a certain period of time.

Consumers should know that most discounts do not apply to the overall cost of the policy. Some only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way.

To see a list of companies with discount insurance coverage rates, click here.

Compare the Market for Auto Insurance

Most major insurance companies such as Allstate and Progressive allow you to get insurance quotes online. This process is quite easy as you simply enter the coverage amounts you desire as detailed in the form. Upon sending the form, their system orders your driving record and credit report and returns a price.

This helps simplify price comparisons, but the time required to go to each company’s website and repetitively enter the same data into a form can be a bit repetitive. But it’s very important to have as many quotes as possible if you want to find a lower rate.

The easiest way to compare rates makes use of a single form that gets price quotes from more than one company. This type of form saves time, helps eliminate reptitive entry, and makes online quotes much easier to do. After sending your information, it is quoted and you are able to buy any of the pricing results. If you find a better price you simply finish the application and purchase the new policy. This process can be completed in less than 10 minutes and may result in a nice savings.

To save time and use this form to compare rates, click here to open in new window and submit the form. To compare your current rates, we recommend you complete the form with the insurance coverages exactly as they are listed on your policy. Doing this guarantees you will be getting comparison quotes for the exact same coverage.

When might I need help?

When buying adequate coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining whether you may require specific advice.

  • Are split liability limits better than a combined single limit?
  • What if I owe more than I can insure my car for?
  • Does coverage extend to Mexico or Canada?
  • Is my cargo covered for damage or theft?
  • Do I need PIP coverage since I have good health insurance?
  • How high should my medical payments coverage be?
  • Do I have coverage if my license is suspended?
  • Does insurance cover damages from a DUI accident?
  • Do I have newly-aquired coverage?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Parts of your insurance policy

Knowing the specifics of insurance helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as theft, rock chips in glass and a broken windshield. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Honda Passport.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision insurance

Collision coverage will pay to fix damage to your Passport caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like rolling your car, crashing into a building, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for bills for surgery, funeral costs and rehabilitation expenses. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Auto liability insurance

This coverage provides protection from damage or injury you incur to people or other property. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like court costs, attorney fees, structural damage and medical expenses. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

More comparisons equals lower rates

Cheaper 2001 Honda Passport insurance can be purchased on the web as well as from independent agents, and you should be comparing both to have the best rate selection. Some insurance companies don’t offer online quoting and these regional insurance providers work with independent agents.

We covered a lot of techniques to get a better price on insurance. The key concept to understand is the more price quotes you have, the higher your chance of finding lower rates. You may even discover the biggest savings come from a lesser-known regional company.

When shopping online for insurance, make sure you don’t reduce needed coverages to save money. In many instances, an accident victim reduced collision coverage and learned later that they should have had better coverage. Your focus should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

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