1998 Honda Passport Car Insurance Quotes – 8 Tips for Best Rates

Trying to find cheaper insurance for a new or used Honda Passport can normally be difficult, but you can learn the following methods to save time. There are both good and bad ways to buy auto insurance and you need to know the quickest way to quote coverages on a Honda and locate the best price possible either online or from local insurance agents.

Finding affordable coverage is not rocket science. If you have insurance now or need a new policy, you can use these techniques to reduce the price you pay and possibly find even better coverage. Drivers just need to know the proper methods to compare price quotes online.

Buy auto insurance online

Performing a rate comparison is a ton of work if you don’t utilize the most efficient way. You can spend countless hours talking about coverages with insurance companies in your area, or you could use online quotes to maximize your effort.

Many popular insurance companies are enrolled in a marketplace where insurance shoppers enter their coverage request one time, and at least one company then returns a price quote determined by their information. This prevents consumers from doing quote requests for every auto insurance company.

To find out how much you’re overpaying now click here to start a free quote.

The only drawback to using this type of form is you don’t know exactly which carriers you want pricing from. If you prefer to choose from a list of companies to compare rates, we have a listing of companies who write auto insurance in your area. View list of insurance companies.

It’s your choice how you get your quotes, but be sure to compare nearly identical deductibles and coverage limits for each price quote. If you use different limits and deductibles on each one it’s not possible to determine the best price for your Honda Passport.

Verify you’re getting every discount

Auto insurance companies do not list every possible discount in a way that’s easy to find, so the list below gives a summary of a few of the more common and the harder-to-find car insurance savings.

  • Low Mileage Discounts – Driving less may allow you to get lower car insurancerates due to less chance of an accident.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts may qualify for discounts up to 30%.
  • Drive Safe and Save – Insureds without accidents could pay up to 40% less for Passport insurance as compared to drivers with claims.
  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and can earn a small discount on your policy.
  • Safety Course Discount – Participating in a course that instructs on driving safety may get you a small discount and make you a better driver.
  • Distant Student – Children who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle could qualify for this discount.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for Passport insurance depending on your car insurance provider.
  • Life Insurance Discount – Some insurance companies give a break if you buy auto and life insurance together.

While discounts sound great, it’s important to understand that some credits don’t apply the the whole policy. A few only apply to individual premiums such as liability and collision coverage. If you do the math and it seems like you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will reduce your car insurance premiums.

If you would like to view insurers who offer online car insurance quotes, click here.

When should I discuss my situation with an agent?

When buying the best insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining whether your personal situation might need professional guidance.

  • Is upholstery damage covered by car insurance?
  • When does my teenage driver need to be added to my policy?
  • When would I need rental car insurance?
  • Am I getting all the discounts available?
  • Why does it cost so much to insure a teen driver?
  • Does insurance cover damages from a DUI accident?
  • Is business property covered if stolen from my car?
  • Should I waive the damage coverage when renting a car?
  • At what point should I drop full coverage?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage information

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as crashing into a ditch, damaging your car on a curb and crashing into a building. This coverage can be expensive, so consider dropping it from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Liability

This provides protection from damage that occurs to other’s property or people by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like repair costs for stationary objects, medical services, attorney fees, medical expenses and funeral expenses. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Honda Passport.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like theft, damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from flooding and falling objects. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as prosthetic devices, surgery and nursing services. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

More choices the merrier

The cheapest 1998 Honda Passport insurance is attainable on the web and from local insurance agents, and you should be comparing both to have the best selection. Some companies don’t offer rates over the internet and most of the time these regional insurance providers only sell through local independent agents.

As you shop your coverage around, it’s very important that you do not sacrifice coverage to reduce premiums. In many cases, drivers have reduced collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your goal is to purchase a proper amount of coverage at an affordable rate and still be able to protect your assets.

We just presented a lot of techniques to compare 1998 Honda Passport insurance premium rates online. The most important thing to understand is the more providers you compare, the better your comparison will be. Consumers may even find the best premium rates are with some of the smallest insurance companies.

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