Lower Your 1997 Honda Passport Insurance Quotes

Shopping for the lowest price insurance over the internet can be overwhelming for consumers who are beginners to quoting and comparing rates on the web. Because there are so many online companies available, how are consumers expected to even start to compare all the different companies and get the best pricing?

How to compare free insurance coverage quotes

Effectively comparing insurance coverage prices is a ton of work if you don’t utilize the most efficient way. You can spend countless hours talking about coverages with insurance agencies in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

Most of the larger companies belong to a marketplace where insurance shoppers submit their information once, and at least one company returns a rated price. This eliminates the need for repetitive form submissions to each company.

To get comparison pricing now click here to start a free quote.

The single downside to using this type of form is you cannot specify the insurers to get quotes from. So if you want to select individual companies to compare rates, we have a page of companies who write insurance coverage in your area. Click to view list.

It’s up to you how you get prices quotes, just make sure you compare nearly identical deductibles and coverage limits on every quote. If the quotes have higher or lower deductibles you can’t possibly determine the best price for your Honda Passport. Having just a slight variation in limits can result in a big premium difference. Just remember that comparing more quotes helps you find a better price. Some smaller insurers to not give online rate quotes, so you need to compare price estimates on coverage from those companies, too.

Get lower rates by taking advantage of discounts

Companies offering auto insurance don’t always list all possible discounts in an easy-to-find place, so we break down both well-publicized as well as some of the hidden discounts that you may qualify for. If you aren’t receiving every discount available, you are just wasting money.

• Organization Discounts – Participating in a civic or occupational organization is a simple method to lower premiums on your next renewal.
• Smart Student Discounts – Being a good student may save you up to 25%. The discount lasts until age 25.
• Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying in monthly installments you may have a lower total premium amount.
• Federal Government Employee – Active or retired federal employment may reduce rates when you quote insurance coverage on Passport insurance with select insurance companies.
• Low Miles Discount – Driving fewer miles may enable drivers to earn substantially lower premium rates.
• Early Switch Discount – Some insurance companies reward drivers for switching to them prior to your current policy expiration. It could save around 10% when you buy insurance coverage online.
• Safe Drivers – Drivers who don’t get into accidents can save as much as half off their rates on Passport insurance than drivers with accidents.
• E-sign Discounts – Some larger companies provide a small discount for signing up on the internet.
• Driver Education Discount – It’s a good idea to have your young drivers take driver’s ed class in high school.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply the the whole policy. A few only apply to specific coverage prices like comp or med pay. Even though it may seem like adding up those discounts means a free policy, you aren’t that lucky.

To find insurance companies who offer insurance discounts, follow this link.

How much insurance coverage do I need?

When it comes to buying adequate coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is a little different.

These are some specific questions may help highlight whether or not you will benefit from professional help.

• How can I get my company to pay me more for my totalled car?
• I don’t drive much so do I pay less?
• How can I find cheaper teen driver insurance?
• Do I have coverage when making deliveries for my home business?
• Are rental cars covered under my policy?
• When can my company non-renew my policy?
• Is my babysitter covered when using my vehicle?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Coverage specifics

Understanding the coverages of your car insurance policy helps when choosing appropriate coverage for your vehicles. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like X-ray expenses, hospital visits, funeral costs and pain medications. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision – This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as driving through your garage door, damaging your car on a curb and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Honda Passport.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually these coverages are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a deer, hail damage, vandalism, damage from flooding and rock chips in glass. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability insurance – This coverage can cover damages or injuries you inflict on people or other property. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like bail bonds, attorney fees, funeral expenses and legal defense fees. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.