1997 Honda Passport Insurance Rates – 6 Tips to Save

Trying to find lower auto insurance rates? Buyers have options when searching for the lowest priced Honda Passport insurance. You can either spend your time calling around trying to get quotes or leverage the internet to make rate comparisons. There are more efficient ways to shop for auto insurance so we’re going to tell you the proper way to compare rates for a new or used Honda and get the lowest possible price from both online companies and local agents.

It’s a good idea to get comparison quotes periodically since prices trend upward over time. Even if you got the lowest price for Passport insurance on your last policy you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate how to quote online to eliminate unnecessary coverages and save money.

Finding the best rates is quite easy. If you are paying for car insurance now, you will most likely be able to cut costs considerably using this information. Vehicle owners only need to know the proper way to get comparison rates online.

The method we recommend to compare policy rates takes advantage of the fact auto insurance companies have advanced systems to quote your coverage. The only thing you need to do is give them some information such as what you do for a living, deductibles desired, the year, make and model of vehicles, and if you are currently licensed. Those rating factors is sent automatically to insurance carriers in your area and you should receive rate quotes with very little delay.

Insurance ads are enticing

Consumers can’t ignore all the ads that claim the lowest prices by 21st Century, Allstate and State Farm. All the companies make the point that drivers can save some big amount after switching your policy.

How is it possible that every company can charge lower premium rates?

All companies give the best rates for the driver that will add to their bottom line. For instance, a desirable risk could possibly be over the age of 45, has a clean driving record, and does not commute to work. A propective insured that fits those parameters will get the preferred rates and therefore will save quite a bit of money when switching.

People who fall short of this ideal profile will be quoted higher premiums which usually ends up with the customer buying from a different company. Company advertisements say “customers that switch” not “everybody who quotes” save the amount stated. That’s why insurance companies can confidently advertise the savings. This really emphasizes why you really need to do a quote comparison often. Because you never know with any certainty which company will have the lowest rate quotes.

Get affordable auto insurance quotes with discounts

Insurance can be prohibitively expensive, but you can get discounts that many people don’t even know exist. Many of these discounts will be applied automatically at the time of purchase, but less common discounts must be asked about prior to getting the savings.

  • New Vehicle Savings – Insuring a vehicle that is new may earn a small discount since newer models are generally safer.
  • Low Miles Discount – Driving less could be rewarded with cheaper auto insurancerates.
  • Distant Student Discount – living away from home attending college and do not have a car may be insured at a cheaper rate.
  • Pay Now and Pay Less – If you can afford to pay the entire bill rather than paying in monthly installments you can avoid the installment charge.
  • Driver’s Education for Students – Have your child successfully complete driver’s ed class in school or through a local driver safety program.
  • Senior Citizen Discount – Drivers over the age of 55 can get reduced rates for Passport insurance.

Don’t be surprised that many deductions do not apply to the entire policy premium. Some only apply to individual premiums such as liability, collision or medical payments. If you do the math and it seems like you could get a free auto insurance policy, nobody gets a free ride.

A few of the larger companies and their offered discounts include:

  • Geico policyholders can earn discounts including anti-theft, air bags, five-year accident-free, defensive driver, multi-vehicle, and membership and employees.
  • MetLife has discounts for accident-free, claim-free, good driver, defensive driver, multi-policy, and good student.
  • State Farm may include discounts for anti-theft, good driver, defensive driving training, multiple autos, good student, student away at school, and safe vehicle.
  • Progressive offers premium reductions for online quote discount, multi-policy, multi-vehicle, homeowner, online signing, continuous coverage, and good student.
  • Mercury Insurance includes discounts for multi-policy, type of vehicle, annual mileage, age of vehicle, accident-free, professional/association, and location of vehicle.
  • 21st Century has savings for driver training, student driver, theft prevention, air bags, anti-lock brakes, 55 and older, and automatic seat belts.
  • Allstate may offer discounts for new car, passive restraint, utility vehicle, anti-theft, and multi-policy.

When getting a coverage quote, ask each insurance company which discounts you qualify for. A few discounts might not be offered in your area.

Tailor your car insurance coverage to you

When buying the best car insurance coverage, there really is no single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that might point out whether you will benefit from professional help.

  • Which is better, split liability limits or combined limits?
  • What is high-risk coverage and where do I buy it?
  • Which companies will insure high-risk drivers?
  • Should I buy only the required minimum liability coverage?
  • Do I need replacement cost coverage?
  • Is a fancy paint job covered?
  • Do I have coverage when making deliveries for my home business?
  • Is my 1997 Honda Passport covered for smoke damage?
  • Is my camper covered by my car insurance policy?

If you can’t answer these questions but you know they apply to you, 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. It’s fast, doesn’t cost anything and may give you better protection.

Insurance specifics

Having a good grasp of your insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Auto liability

This can cover injuries or damage you cause to people or other property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

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 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for things such as repair costs for stationary objects, medical expenses, structural damage and court costs. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Medical costs insurance

Med pay and PIP coverage reimburse you for immediate expenses like dental work, chiropractic care, prosthetic devices and hospital visits. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive or Other Than Collision

This covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, fire damage and a broken windshield. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

This 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 then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a ditch, sustaining damage from a pot hole, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

UM/UIM Coverage

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Online plus local equals savings

As you quote insurance, it’s very important that you do not sacrifice coverage to reduce premiums. In many cases, someone sacrificed comprehensive coverage or liability limits and learned later they didn’t purchase enough coverage. Your aim should be to get the best coverage possible at the best price while not skimping on critical coverages.

Drivers leave their current company for many reasons like an unsatisfactory settlement offer, lack of trust in their agent, high prices or extreme rates for teen drivers. Regardless of your reason, switching companies is not as hard as you think.

Discount 1997 Honda Passport insurance is available from both online companies and from local insurance agents, so you should compare both so you have a total pricing picture. Some insurance providers may not provide rates over the internet and many times these smaller providers only sell through local independent agents.

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Comments About 1997 Honda Passport Insurance

  1. Charis Burris

    Looking for cheaper 1997 Honda Passport insurance in Pittsburgh, PA. Help!

  2. Elza Guerrero

    Cheap is relative. From northwest of Augusta, GA. Can’t remember who all I quoted but I ended up saving about $10 each month. Was with AIG Insurance. Moved home policy as well. They have free quotes online. I dropped full coverage awhile back.

  3. Sanjuanita Baxter

    If you have a clean record and live near Great Falls, MT, check out GEICO. You might save some money. I don’t put full coverage on it.

  4. Kassie Pate

    I live just outside Gulfport, Mississippi. Got rates from AIG Insurance, MetLife, and some smaller one I can’t remember the name of for my 1997 Honda Passport and I think I saved about $30 each month. Online quotes are the way to go.

  5. Merlin Martin

    I found affordable 1997 Honda Passport insurance from Progressive in Lewiston, ME.

  6. Natashia Lott

    From Nashville, TN. Got rates from Allstate, GMAC, and Encompass for my Passport and I think I am saving around $30 each month. Just waiting to see how claims go. Anyone else drop full coverage?

  7. Shaunda Herrera

    If you have a clean record and live near Charleston, WV, check out Progressive. I saved quite a bit. I recommend comparing lots of rates. My Honda doesn’t have full coverage.

  8. Aretha Griffith

    I went with Allstate at renewal. Best rates in Fort Smith, Arkansas. I got prices on the web. It’s too old for full coverage.