View 2001 Honda Passport Insurance Quotes

Scraping up a payment for high-priced Honda Passport insurance can bleed your monthly budget and make it tough to pay other bills. Comparing price quotes can help to make ends meet.

You have multiple insurers to buy insurance from, and although it’s a good thing to have a selection, it makes it harder to find the lowest rates.

It is always a good idea to compare premium rates once or twice a year since insurance prices tend to go up over time. Just because you found the best rate for Passport coverage last year a different company probably has better premium rates today. Ignore everything you know about auto insurance because I’m going to teach you the best way to save on auto insurance.

Affordable auto insurance price quotes online

Effectively comparing auto insurance prices can be a lot of work if you don’t know the easiest way. You can waste hours talking about coverages with insurance agencies in your area, or you can stay home and use the internet to get prices fast.

The majority of car insurance companies take part in a program where insurance shoppers submit their information once, and each company can give them a price for coverage. This system prevents you from having to do quotation requests for each company you want a rate for.

To enter your information into the quoting system, click here to start a free quote.

The one downside to comparing rates this way is you cannot specify the insurers you want pricing from. If you prefer to choose from a list of companies to request quotes from, we have a listing of low cost auto insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, make sure you use nearly identical coverages for every quote you compare. If you have different data you will not be able to decipher which rate is best. Just slight variations in insurance coverages can result in a big premium difference. And when price shopping your coverage, getting more free quotes will improve the odds of getting the best offered rates. Not every company provides quotes online, so you should also compare rates from those companies as well.

Insurance companies offer lots of discounts

Insuring your fleet can be pricey, but you can get discounts to reduce the price significantly. Some discounts apply automatically when you purchase, but some need to be specially asked for before being credited.

  • Anti-lock Brake System – Cars with ABS braking systems or traction control are much safer to drive so you can save 10 percent or more.
  • Telematics Devices – Insureds that choose to allow companies to scrutinize when and where they use their vehicle through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if they exhibit good driving behavior.
  • Accident Free – Insureds who avoid accidents and claims have much lower rates as opposed to frequent claim filers.
  • Defensive Driver – Taking a driver safety course could possibly earn you a 5% discount depending on where you live.
  • Anti-theft Discount – Vehicles that have factory anti-theft systems are stolen less frequently and that can save you a little bit as well.
  • Government Employee Discount – Active or former government employment could qualify for a slight premium decrease for Passport coverage with some insurance companies.
  • Multi-Vehicle Discounts – Drivers who insure several vehicles on one policy could earn a price break for each car.
  • Discounts for Responsible Drivers – Insureds who avoid accidents can pay as much as 50% less for Passport coverage compared to accident prone drivers.

Drivers should understand that most discounts do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like you could get a free insurance policy, company stockholders wouldn’t be very happy. Any qualifying discounts will cut your overall bill.

Larger insurance companies and some of their more popular discounts are:

  • Progressive may have discounts that include online signing, online quote discount, multi-vehicle, homeowner, good student, and multi-policy.
  • The Hartford may include discounts for anti-theft, air bag, driver training, defensive driver, bundle, and vehicle fuel type.
  • Mercury Insurance offers discounts including professional/association, accident-free, type of vehicle, anti-theft, location of vehicle, and good driver.
  • GEICO offers premium reductions for defensive driver, anti-theft, multi-policy, seat belt use, federal employee, membership and employees, and military active duty.
  • AAA has savings for multi-car, anti-theft, pay-in-full, multi-policy, and good driver.
  • State Farm may offer discounts for Steer Clear safe driver discount, accident-free, good driver, driver’s education, multiple autos, defensive driving training, and Drive Safe & Save.

Double check with every prospective company what discounts are available to you. All car insurance discounts may not apply to policies in your state. To see a list of companies who offer free insurance quotes, follow this link.

Do I just need basic coverages?

When buying the best auto insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions might point out whether you may require specific advice.

  • Do all my vehicles need collision coverage?
  • When should I remove comp and collision on my 2001 Honda Passport?
  • When would I need additional glass coverage?
  • Can I afford to buy a different vehicle if my 2001 Honda Passport is totaled?
  • Am I missing any policy discounts?
  • What can I do if my company won’t pay a claim?
  • Am I covered by my spouse’s policy after a separation?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, 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 your policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. These are the usual coverages found on the average auto insurance policy.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage caused by 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 pays for things like driving through your garage door, scraping a guard rail, colliding with a tree, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Auto liability

This provides protection from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as repair costs for stationary objects, medical services and emergency aid. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Comprehensive (Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a bird, theft, vandalism, rock chips in glass and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Honda Passport.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as chiropractic care, funeral costs, EMT expenses and ambulance fees. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage