Compare 1994 Honda Passport Insurance Rates

Trying to find the cheapest insurance rates for your Honda Passport? Are you sick and tired of scraping the payment together each month for insurance? You are in the same boat as most other drivers.

There are many auto insurance companies to purchase coverage from, and although it’s nice to have multiple companies, it can be more difficult to find the lowest cost provider.

Consumers need to compare prices periodically due to the fact that insurance prices trend upward over time. Even if you think you had the best price on Passport insurance a few years ago there may be better deals available now. Forget anything you know (or think you know) about insurance because it’s time to teach you the fastest way to lower your annual insurance bill.

Shopping for the cheapest car insurance coverage is not that difficult. Essentially every vehicle owner who is required by state law to have car insurance will be able to lower their premiums. Nevertheless, vehicle owners benefit from understanding how the larger insurance companies price insurance differently and use this information to your advantage.

How to compare free insurance coverage rate quotes

Comparing insurance coverage rates can take time and effort if you don’t utilize the best way to get rate quotes. You can waste hours talking about coverages with local insurance agents in your area, or you can utilize online quotes to quickly compare rates.

Many companies participate in a marketplace where prospective buyers submit one quote, and each company provides a quote based on the submitted data. This eliminates the need for form submissions to each company.

To participate in this free quote system, click here (opens in new window).

The single downside to using this type of form is buyers cannot specifically choose which providers to receive prices from. If you would rather choose specific insurance companies to compare, we have a page of companies who write insurance coverage in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but compare identical information on every price quote you get. If the quotes have differing limits you will not be able to make a fair rate comparison. Quoting even small variations in limits may result in a large different in cost. Just keep in mind that more quotes helps increase your odds of locating more affordable insurance. Not every company provides price estimates online, so you need to compare prices from the smaller companies as well.

Auto insurance savings promises

Allstate and Progressive continually stream ads on TV and radio. All the companies say the same thing that people will save if you change your policy. How does every company lower your rates? This is the way they can do it.

Insurance providers have a certain “appetite” for the type of customer that earns them the highest profit. For instance, this type of driver might have to be a married female, has no prior claims, and drives less than 7,500 miles a year. Anyone that fits those parameters will probably get cheap car insurance rates and as a result will probably save money with a new company.

People who cannot meet these standards may be required to pay a more expensive rate and the customer not purchasing. The wording the ads use say “drivers that switch” but not “everyone who gets a quote” will save that much if they switch. That’s why insurance companies can make those claims.

This emphasizes why drivers must do a quote comparison often. It is impossible to predict which insurance companies will fit your personal profile best.

Choices you make can impact your insurance premiums

Multiple criteria are part of the equation when quoting car insurance. Most are fairly basic such as your driving history, but others are more obscure such as your credit history or how financially stable you are.

• Reduce prices by driving safer cars – Vehicles with good safety scores cost less to insure. Highly rated vehicles protect occupants better and any reduction in injury severity translates directly to fewer claims and more competitive rates for policyholders. If your Honda Passport scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
• Men tend to take more risk – Statistics demonstrate females are less aggressive when driving. Now that doesn’t mean females are better drivers. Both genders tend to get into accidents at about the same rate, but males have costlier accidents. Men also get more serious tickets like DWI (DUI) or reckless driving.
• Don’t get traffic citations – How you drive has a huge affect on how much you pay. Even a single moving violation may cause rates to rise to the point where it’s not affordable. Careful drivers have lower premiums than people who have multiple driving citations. Drivers who get careless citations like DUI or reckless driving may be required to submit a SR-22 form with their state’s department of motor vehicles in order to drive a vehicle legally.
• Teenagers are high risk – More experienced drivers are more cautious drivers, cost insurance companies less in claims , and usually have better credit.Teenage drivers are statistically shown to be easily distracted when at the wheel of a vehicle and because of this, their auto insurance rates are much higher.

More discounts mean affordable premiums

Insurance can be prohibitively expensive, but you may qualify for discounts to help offset the cost. Some trigger automatically at the time you complete a quote, but some discounts are required to be requested specifically before being credited.

• Sign Online – Many companies will provide an incentive shop car insurance over the internet.
• Data Collection Discounts – Drivers who agree to allow their insurance company to scrutinize driving manner by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks as long as the data is positive.
• Discount for Life Insurance – Larger auto insurance companies have a small discount if you purchase life insurance from them.
• New Car Discount – Putting auto insurance coverage on a new car is cheaper since newer vehicles have better safety ratings.
• Memberships – Being in qualifying clubs or civic groups is a good way to get lower rates on your next renewal.
• Discount for Home Ownership – Owning a house can help you save on auto insurance because owning a home requires personal responsibility.
• Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may qualify for discounts as much as 30%.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. Even though it appears having all the discounts means you get insurance for free, it just doesn’t work that way.

Insurance companies that may include most of the discounts above include:

• Progressive
• SAFECO
• American Family
• MetLife
• Geico
• The Hartford

When quoting, ask every prospective company how many discounts you can get. A few discounts might not be offered in your area. To view companies that provide some of the discounts listed above, click here to view.

It’s not one size fits all

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique so this has to be addressed. These are some specific questions may help highlight whether your personal situation may require specific advice.

• How do I buy GAP insurance?
• Am I covered if hit by an uninsured driver?
• What are the best liability limits?
• If I drive on a suspended license am I covered?
• Why do I need rental car insurance?
• Where can I find DUI or SR-22 insurance?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

What car insurance coverages do you need?

Understanding the coverages of a car insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average car insurance policy.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Honda Passport.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for bills for rehabilitation expenses, surgery, funeral costs and doctor visits. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Auto collision coverage

Collision insurance pays for damage to your Passport from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with another moving vehicle, hitting a parking meter, damaging your car on a curb, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like fire damage, falling objects, vandalism, a tree branch falling on your vehicle and rock chips in glass. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for liability

This coverage provides protection from damages or injuries you inflict on other’s property or people. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like funeral expenses, loss of income, legal defense fees and court costs. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Smart shoppers get results

We just showed you a lot of tips how to save on 1994 Honda Passport insurance. The most important thing to understand is the more you quote car insurance, the better your chances of lowering your rates. Consumers may even find the best prices are with the smaller companies. Some small companies may often insure only within specific states and give getter rates compared to the large companies like Allstate or State Farm.

As you restructure your insurance plan, make sure you don’t skimp on coverage in order to save money. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal is to buy the best coverage you can find at the best cost, but do not sacrifice coverage to save money.

More resources

• Things to Know Before you Cancel Insurance (Allstate)
• Vehicle Size and Weight FAQ (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)
• Keeping Children Safe in Crashes Video (iihs.org)