How Much Does 1995 Honda Passport Insurance Cost?

Want better car insurance rates for your Honda Passport? Expensive car insurance can eat up your bank account and maybe even restrict other spending. Performing a price comparison can save money and help to make sure you’re not throwing money away.

Big companies like State Farm and Geico all claim big savings, bombarding you with fancy advertisements and it is challenging if not impossible to see through the cute green geckos and mayhem and do the work needed to find the best deal.

It’s smart to do rate comparisons as often as possible because rates trend upward over time. If you had the best rate for Passport coverage a few years ago you will most likely find a better price today. Forget all the misinformation about car insurance because we’re going to show you the best methods to properly buy coverages and cut your premium.

If you have a current insurance coverage policy or need new coverage, you can use these tips to get lower rates and still get good coverage. Finding the best rates is easy if you know what you’re doing. Drivers only need an understanding of the tricks to get comparison rates online.

How your Passport insurance costs are determined

An important part of buying insurance is that you know the rating factors that come into play when calculating the price you pay for insurance. If you have a feel for what influences your rates, this empowers consumers to make smart changes that may result in lower insurance prices. Many things are used when premium rates are determined. Most are fairly basic like a motor vehicle report, although others are not quite as obvious like your continuous coverage or how safe your car is.

Listed below are most of the major factors used by your company to calculate your prices.

• Get a ticket, pay higher prices – Having a clean driving record impacts premiums far more than you think. Only having one speeding ticket or other violation may cause rates to rise substantially. Good drivers get better prices compared to drivers with tickets. Drivers who have license-revoking violations such as DUI or reckless driving are required to prove financial responsibility with their state DMV in order to legally drive a vehicle.
• Save money by eliminating extra policy coverages – There are a lot of additional coverages that you can get tricked into buying if you aren’t careful. Add-on coverages like replacement cost coverage, better glass coverage, and term life insurance are probably not needed. These coverages may sound good when buying your policy, but your needs may have changed so eliminate them to save money.
• Save money by raising comp and collision deductibles – The deductibles you choose represent how much money you are willing to pay out-of-pocket if you file a covered claim. Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your car. Examples of some claims that would be covered are a windshield broken by a bird, damage from fire, and damage caused by road hazards. The more money the insured is willing to pay, the bigger discount you will receive for Passport coverage.
• Frequent policy claims increase insurance rates – Insurance companies give the lowest premiums to policyholders who only file infrequent claims. If you are the type of insured that files lots of claims you can expect higher rates. Your insurance policy is designed for larger claims.
• Safer vehicles save money – Safer cars get lower rates. These vehicles reduce injuries and fewer injuries translates into fewer and smaller insurance claims which can mean better rates for you. If your Honda Passport has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.

Buy auto insurance online

There are a lot of ways to shop for auto insurance, and some are less time-consuming than others. You could spend the better part of a day talking about coverages with insurance companies in your area, or you could save time and use the web to accomplish the same thing much quicker.

Many insurance companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and each participating company provides a quote for coverage. This eliminates the need for repetitive form submissions for every auto insurance company.

To fill out one form to compare multiple rates now click here (opens in new window).

The only drawback to getting quotes like this is you don’t know exactly the insurers to get quotes from. If you would rather choose specific insurance companies to compare prices, we have a listing of companies who write auto insurance in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just try to use equivalent coverages and limits on every quote. If you use different limits and deductibles on each one it will be very difficult to get a fair rate comparison.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t avoid all the ads that promise big savings from the likes of State Farm and Allstate. They all make the same claim that drivers will save a bundle if you get a free insurance coverage quote and switch your car insurance coverage to their company.

Is it even possible that every company can charge you a lower premium? This is how they do it.

Companies look for specific characteristics for the right customer that will add to their bottom line. A good example of a profitable insured might be a female over age 40, has no driving citations, and drives a safe vehicle. A propective insured that matches those criteria may get the lowest prices and most likely will save when they switch companies.

People who don’t measure up to this stringent profile may be required to pay a higher rate which leads to business not being written. If you listen closely, the ads state “drivers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s the way insurance companies can advertise the savings. Because every company is different, you really should compare as many free insurance coverage quotes as you can. It’s just not possible to know with any certainty which company will have the best auto insurance rates at this point in time.

Get cheaper rates by taking advantage of discounts

Companies offering auto insurance do not advertise every disount available in an easy-to-find place, so here is a list a few of the more well known as well as some of the hidden discounts that you may qualify for. If they aren’t giving you every credit you qualify for, you are just wasting money.

• Membership in Organizations – Having an affiliation with a qualifying organization could earn you a nice discount on your next renewal.
• Paper-free Discount – Some larger companies may give you up to $50 for buying your policy over the internet.
• Bundle and Save – When you combine your homeowners and auto insurance and place coverage with the same company you could get a discount of at least 10 to 15 percent or more.
• Military Rewards – Having a deployed family member could qualify you for better rates.
• Defensive Driver – Taking part in a course teaching defensive driving skills is a good idea and can lower rates if you qualify.
• Early Switch Discount – Select larger companies give a discount for switching to them before your current expiration date. You could save around 10% when you buy insurance coverage online.
• Anti-lock Brakes – Cars equipped with ABS or steering control prevent accidents and the ABS can save up to 10%.
• Employee of Federal Government – Active or retired federal employment may qualify for a discount when you quote insurance coverage for Passport coverage with certain companies.

It’s important to understand that most discount credits are not given to all coverage premiums. Most only reduce the price of certain insurance coverages like comp or med pay. Even though it appears it’s possible to get free car insurance, you’re out of luck.

A few of the larger companies and the discounts they provide are shown below.

• Farm Bureau policyholders can earn discounts including driver training, good student, renewal discount, youthful driver, and multi-vehicle.
• State Farm has savings for accident-free, anti-theft, student away at school, driver’s education, safe vehicle, and passive restraint.
• Progressive includes discounts for online quote discount, homeowner, good student, online signing, multi-policy, and multi-vehicle.
• Allstate may have discounts that include EZ pay plan discount, defensive driver, multi-policy, senior citizen, good payer, economy car, and early signing.
• Nationwide offers premium reductions for defensive driving, anti-theft, Farm Bureau membership, easy pay, multi-policy, and accident-free.
• MetLife may offer discounts for good driver, good student, defensive driver, claim-free, multi-policy, accident-free

Before buying, ask each company how you can save money. Some of the discounts discussed earlier may not apply to policies in your area. To choose insurers with discount rates, click this link.

How much car insurance do I need?

When it comes to choosing proper insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. For instance, these questions may help highlight if your insurance needs would benefit from professional advice.

• Who is covered by my policy?
• Are there companies who specialize in insuring high-risk drivers?
• Do I have coverage when using my vehicle for my home business?
• Will my insurance pay for OEM parts?
• Can I drive in Mexico and have coverage?
• What is PIP insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Coverages available on your car insurance policy

Having a good grasp of a car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages available from car insurance companies.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as nursing services, doctor visits, dental work, chiropractic care and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as vandalism, damage from a tornado or hurricane and hitting a bird. The highest amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision insurance

Collision insurance pays for damage to your Passport caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sideswiping another vehicle, driving through your garage door and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Auto liability insurance

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

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like medical services, emergency aid and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Saving money is sweet as honey

In this article, we presented a lot of information how to reduce 1995 Honda Passport insurance prices online. The most important thing to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest prices come from a small mutual company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, Geico and Nationwide.

When trying to cut insurance costs, never buy poor coverage just to save money. There are many occasions where someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Additional detailed information can be read in these articles:

• Determing Auto Insurance Rates (Geico)
• Frontal Crash Tests (iihs.org)
• Safety Belts FAQ (iihs.org)
• A Tree Fell on Your Car: Now What? (Allstate)