Compare 1996 Honda Passport Car Insurance Rates

Searching for better auto insurance rates for your Honda Passport? Being forced to pay for high-priced auto insurance premiums can stress out your accounts and force you to tighten up your finances. Getting a rate comparison is an excellent way to make ends meet.

Consumers have many car insurance companies to choose from, and even though it’s nice to have multiple companies, too many choices makes it more difficult to find the best rates for your vehicles.

Insurance costs are influenced by these factors

Part of the car insurance buying process is learning a few of the rating criteria that help determine car insurance rates. If you know what influences your rates, this empowers consumers to make smart changes that could result in big savings.

Shown below are some of the factors used by companies to determine your rate level.

  • Liability limits should be high – A critical coverage on your policy, liability insurance will protect you if ever a jury decides you are liable for causing damage or personal injury in an accident. Your liability coverage provides you with a defense in court which can cost thousands of dollars. Liability is cheap compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
  • Eliminate unneeded incidental coverages – There are quite a few extra coverages that sound like a good idea at the time but may not be useful. Insurance for coverage for rental cars, towing coverage, and term life insurance may be costing you every month. The coverages may be enticing when deciding what coverages you need, but now you might not need them so consider taking them off your policy.
  • Decrease prices by maintaining coverage – Driving without insurance coverage in place is against the law and your next policy will cost more because you let your insurance coverage expire. Not only will you pay higher rates, getting caught without coverage may earn you a revoked license or a big fine.
  • Pay more by driving carelessly – Attentive drivers get better prices than people who have multiple driving citations. Even a single citation can boost insurance rates substantially. Drivers who have license-revoking violations like reckless driving or DUI might be required by their state to submit a SR-22 form with the DMV in their state in order to prevent their license from being revoked.
  • Your address can impact price – Living in areas with lower population is a good thing when trying to find low car insurance rates. Less people living in that area means fewer accidents in addition to fewer liability claims. People who live in big cities have to deal with more road rage incidents and longer commutes to work. Longer commute distances can result in more accidents.
  • Better credit means lower costs – Credit history can be an important factor in calculating your car insurance rates. If your credit score is lower than you’d like, you may save money insuring your 1996 Honda Passport if you clean up your credit. People that have high credit ratings tend to be more responsible as compared to drivers with lower ratings.

Insurance coverage discounts are available to reduce your rates

Companies that sell car insurance don’t always advertise every disount available in an easy-to-find place, so we researched both the well known and also the lesser-known savings tricks you should be using when you buy insurance coverage online.

  • Student Discounts – Maintaining excellent grades can be rewarded with saving of up to 25%. Most companies allow this discount until age 25.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers sucessfully take a drivers education course if offered at their school.
  • Federal Employees – Having worked for a branch of the government could provide a small rate reduction for Passport coverage with a few insurance coverage companies.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for Passport coverage as compared to drivers with claims.
  • Safety Course Discount – Taking part in a defensive driving class could save 5% or more and make you a better driver.
  • Own a Home and Save – Being a homeowner can earn you a little savings because maintaining a house is proof that your finances are in order.
  • Auto/Life Discount – Larger insurance coverage companies have a small discount if you purchase life insurance.

Keep in mind that most discount credits are not given to your bottom line cost. Most only cut the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Larger insurance coverage companies and a partial list of their discounts are:

  • State Farm has savings for defensive driving training, anti-theft, passive restraint, Steer Clear safe driver discount, and good driver.
  • GEICO discounts include air bags, seat belt use, military active duty, anti-theft, and federal employee.
  • Progressive has discounts for multi-vehicle, multi-policy, online signing, online quote discount, and good student.
  • 21st Century may offer discounts for early bird, good student, driver training, air bags, teen driver, theft prevention, and student driver.
  • American Family offers discounts for TimeAway discount, air bags, good driver, bundled insurance, early bird, and good student.
  • The Hartford policyholders can earn discounts including anti-theft, driver training, air bag, defensive driver, good student, and vehicle fuel type.
  • AAA may include discounts for multi-car, good driver, education and occupation, good student, multi-policy, AAA membership discount, and anti-theft.

Before buying, ask every insurance company which credits you are entitled to. Some of the earlier mentioned discounts might not be offered on policies everywhere. If you would like to choose from a list of providers with discount rates, follow this link.

Tricks in car insurance advertising

Consumers constantly see and hear ads that promise big savings by State Farm, GEICO and Progressive. They all seem to make the promise about savings if you get a free insurance coverage quote and switch to them.

How does each company make almost identical claims? Here is the trick they use.

Most companies have strict underwriting profiles for a prospective insured that earns them the most money. For instance, a preferred risk might be over age 30, owns a home, and drives a safe vehicle. Anyone who fits that profile will get very good rates and will probably save when switching.

Potential customers who do not fit the ideal profile will get a higher rate and ends up with the prospect going elsewhere. If you listen closely, the ads state “customers that switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way companies can advertise the savings.

Each company has different criteria, so it is so important to get as many free insurance coverage quotes as possible. It’s just not possible to know which company will have the best prices for your profile.

Everyone needs different auto insurance coverages

When it comes to buying the best auto insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether you will benefit from professional help.

  • When should I drop full coverage on my 1996 Honda Passport?
  • Does coverage extend to Mexico or Canada?
  • What if I don’t agree with a claim settlement offer?
  • Does car insurance cover theft of personal property?
  • Do I pay less if my vehicle is kept in my garage?
  • When can my company non-renew my policy?
  • How much liability do I need to cover my assets?
  • Am I better off with higher deductibles on my 1996 Honda Passport?
  • How much liability insurance is required?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Auto insurance coverages

Learning about specific coverages of your policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by car insurance companies.

Coverage for collisions

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

Collision coverage pays for claims like sustaining damage from a pot hole, damaging your car on a curb and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability coverages

Liability coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for things like attorney fees, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for immediate expenses such as EMT expenses, prosthetic devices and doctor visits. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a deer, a tree branch falling on your vehicle and theft. The maximum amount 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.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally these limits are set the same as your liablity limits.

The bottom line

As you restructure your insurance plan, make sure you don’t buy less coverage just to save a little money. In too many instances, someone sacrificed liability coverage limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage at the best possible price, but don’t skip important coverages to save money.

Budget-friendly car insurance is available on the web in addition to local insurance agencies, so get free insurance coverage quotes from both of them to have the best rate selection. Some insurance providers do not provide the ability to get quotes online and many times these regional carriers only sell coverage through independent insurance agents.

Additional detailed information is available by following these links: