1996 Honda Passport Insurance Quotes – 5 Discounts for Best Rates

Searching for better car insurance rates for your Honda Passport? Locating cheap car insurance on the web may at first seem to be somewhat difficult for price shopping on the internet. When there are so many companies, how can anyone have the ability to compare all the different companies and get the best available rates?

Auto insurance quotes comparison

The are a couple different ways to compare quotes from lots of auto insurance companies. The recommended way to compare 1996 Honda Passport insurance prices is to jump online and get quotes. This is very easy and can be done in several different ways.

1. The easiest and least time consuming way to get quotes is an all-inclusive rate comparison click to view form in new window. This quick form keeps you from doing multiple quote forms to each individual auto insurance company. Filling out one form will return quotes direct from many companies. This is by far the quickest method.
2. A more time consuming way to get quotes online is to take the time to go to the website for every company you want to comare and go through the quote process again. For example, let’s say you want rates from Progressive, Geico and Liberty Mutual. In order to compare rates, you need to navigate to each company’s site and punch in your information repeatedly, which is not fast way to get rate quotes. For a handy list of car insurance company links in your area, click here.

How you compare quotes is your choice, just make sure you use identical coverages on every quote you get. If you use different limits and deductibles on each one it will be very difficult to determine which rate is truly the best. Having just a slight variation in insurance coverages can mean a large discrepancy in price. Keep in mind that more quotes increases the change that you will find better pricing. Some companies don’t provide quotes online, so you should also compare quotes from those companies as well.

Insurance agents can help

When buying proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

For example, these questions can aid in determining if you would benefit from an agent’s advice.

• Should I have combined single limit or split liability limits?
• How can I get my company to pay me more for my totalled car?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• When should I drop full coverage on my 1996 Honda Passport?
• I have health insurance so do I need medical payments coverage?
• Do I need an umbrella policy?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance coverage specifics

Knowing the specifics of a car insurance policy aids in choosing the right coverages and proper limits and deductibles. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, ambulance fees and X-ray expenses. They can be 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 in addition to getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverages – This coverage covers damage to your Passport from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a building, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Liability insurance – Liability insurance provides protection from injuries or damage you cause to a person or their property by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things like bail bonds, court costs, emergency aid, attorney fees and funeral expenses. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Comprehensive auto coverage – This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, fire damage and hitting a bird. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your 1996 Honda Passport.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.