1994 Honda Passport Car Insurance Cost – 9 Policy Discounts

Searching for the cheapest insurance rates for your Honda Passport? Are you drained from robbing Peter to pay Paul to insure your Honda every month? You are no different than most other vehicle owners.

Vehicle owners have many auto insurance companies to pick from, and though it is a good thing to have a selection, it makes it harder to locate the cheapest rates.

It’s a good idea to get comparison quotes as often as possible due to the fact that insurance prices are constantly changing. Just because you found the best rates for Passport insurance a couple years back you can probably find a better premium rate now. Forget all the misinformation about insurance because it’s time to teach you the only way to find lower rates on insurance.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this strategy. But car owners do need to understand how big insurance companies sell insurance online because it can help you find the best coverage.

Verify you’re earning every discount

Some companies don’t always advertise their entire list of discounts in a way that’s easy to find, so the list below details both the well known as well as the least known savings tricks you should be using when you buy insurance online.

  • Drivers Education – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Military Rewards – Being on active duty in the military could mean lower prices.
  • Membership in Organizations – Joining a qualifying organization could qualify you for a break on your policy.
  • College Student Discount – Kids who live away from home at college without a vehicle on campus could qualify for this discount.
  • Buy New and Save – Buying auto insurance coverage on a new vehicle can be considerably cheaper since new model year vehicles have better safety ratings.
  • No Charge for an Accident – Not necessarily a discount, but companies like Allstate, State Farm and GEICO may permit one accident without getting socked with a rate hike if you have no claims prior to the accident.
  • Driving Data Discount – Drivers that enable their company to study driving manner by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they are good drivers.
  • Discount for Passive Restraints – Factory air bags or automatic seat belts may qualify for discounts of 25 to 30%.
  • Discounts for Federal Employees – Federal government employees may qualify for a discount when you quote insurance for Passport insurance with a few auto insurance companies.

We need to note that some credits don’t apply to the entire cost. Most only cut individual premiums such as collision or personal injury protection. Despite the appearance that all the discounts add up to a free policy, companies wouldn’t make money that way.

Large auto insurance companies and some of the discounts are shown below.

  • State Farm offers premium reductions for safe vehicle, good driver, anti-theft, multiple autos, defensive driving training, passive restraint, and multiple policy.
  • Nationwide policyholders can earn discounts including multi-policy, easy pay, good student, family plan, and defensive driving.
  • GEICO includes discounts for emergency military deployment, good student, seat belt use, anti-theft, anti-lock brakes, and military active duty.
  • AAA offers discounts for anti-theft, good driver, multi-car, education and occupation, and pay-in-full.
  • 21st Century may include discounts for good student, theft prevention, air bags, anti-lock brakes, and student driver.
  • The Hartford offers discounts including air bag, good student, anti-theft, defensive driver, driver training, and bundle.

If you need lower rates, check with every prospective company to apply every possible discount. Savings may not be available in your area. To choose auto insurance companies that can offer you the previously mentioned discounts, follow this link.

Which insurance coverage is cheapest?

All the larger insurance coverage companies provide prices for coverage online. Obtaining pricing can be done by anyone as you simply type in your coverage preferences into the form. Upon sending the form, the quote system requests information on your driving record and credit history and returns a price based on these factors. This streamlines rate comparisons, but having to visit multiple sites and type in the same information is not the best way to spend an afternoon. But it is imperative to compare as many rates as possible if you are searching for the lowest insurance coverage rates.

The quickest way to get multiple rate quotes requires only one form that gets price quotes from several different companies. It saves time, requires much less work on your part, and makes online shopping much easier. Immediately after you send the form, it is quoted and you can choose any one of the resulting price quotes. If the quotes result in lower rates, you simply finish the application and buy the new coverage. The whole process just takes a couple of minutes and may result in a nice savings.

To quickly compare rates using this form now, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend that you enter identical to your current policy. Doing this assures you will have rate comparison quotes using the exact same coverages.

When should I discuss my situation with an agent?

When choosing adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. For example, these questions can aid in determining if your situation would benefit from an agent’s advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered by my spouse’s policy after a separation?
  • What is covered by UM/UIM coverage?
  • Does car insurance cover theft of personal property?
  • Should I get collision insurance on every vehicle?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Information about specific coverages

Learning about specific coverages of insurance aids in choosing the best coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types found on the average insurance policy.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as prosthetic devices, EMT expenses, ambulance fees, chiropractic care and doctor visits. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive insurance – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a deer, vandalism, damage from getting keyed and damage from flooding. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low 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 are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your 1994 Honda Passport.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision – Collision coverage covers damage to your Passport resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like driving through your garage door, colliding with another moving vehicle, sideswiping another vehicle, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Liability coverages – This protects you from damage or injury you incur to other people or property that is your fault. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as structural damage, bail bonds, medical services and pain and suffering. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Final considerations

Cost effective 1994 Honda Passport insurance can be found online as well as from insurance agents, and you should be comparing both in order to have the best chance of saving money. A few companies may not offer online rate quotes and these smaller companies prefer to sell through independent agencies.

When you buy insurance online, it’s a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits only to find out that it was a big mistake. The proper strategy is to get the best coverage possible at the lowest possible cost but still have enough coverage for asset protection.

We just covered many ways to shop for 1994 Honda Passport insurance online. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may be surprised to find that the best premium rates are with a lesser-known regional company. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and GEICO.

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