Cheaper 1998 Honda Passport Insurance Quotes

Searching for lower auto insurance rates for your Honda Passport? Locating low-cost insurance for a Honda Passport can normally be difficult, but you can use the following methods to find lower rates. There is a better way to find auto insurance online so you’re going to learn the proper way to compare rates on a Honda and obtain the cheapest rates from local insurance agents and online providers.

If you are insured now or need new coverage, you can use these tips to find the best rates and possibly find even better coverage. Buying the best coverage is simple if you know the tricks. Drivers just need to understand the tricks to shop for car insurance online.

Verify you’re applying every discount

Companies that sell car insurance don’t always publicize all disounts in a way that’s easy to find, so we researched some of the best known in addition to some of the lesser obvious credits that may apply to you. If you’re not getting every credit available, you’re just leaving money on the table.

• Student in College – Any of your kids who are attending college and do not take a car to college may qualify for this discount.
• Driver Safety – Taking a defensive driving course could save 5% or more depending on where you live.
• Homeowners Pay Less – Being a homeowner can save a few bucks since home ownership shows financial diligence.
• Accident-Free Discounts – Insureds with no claims or accidents get the best car insurance rates compared to accident-prone drivers.
• Clubs and Organizations – Being in specific professional or occupational memberships or organizations may earn a discount on your bill.
• Discount for Good Grades – This discount may save as much as 25% on a car insurance quote. The discount lasts up to age 25.
• ABS Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes are much safer to drive and earn discounts up to 10%.
• Full Payment Discount – By paying your entire bill at once rather than paying monthly you may reduce your total bill.
• Discount for Multiple Policies – When you have multiple policies and insure them with the same company you may earn at least 10 to 15 percent or more.

One thing to note about discounts is that some of the credits will not apply to the overall cost of the policy. Most cut the cost of specific coverages such as medical payments or collision. So when the math indicates it’s possible to get free car insurance, nobody gets a free ride.

For a list of providers that offer many of these discounts, click here to view.

How to compare insurance coverage rate quotes

Reducing your 1998 Honda Passport insurance rates is not rocket science. The only thing you need to do is take time comparing rates to find. Insurance prices can be quoted in a couple of different ways.

The fastest way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This quick form saves time by eliminating separate quote forms for each price estimate. One quote request gets rate comparisons from insurance coverage companies with the best prices. It’s the fastest way to compare.

A harder way to compare rate quotes consists of visiting each company’s website to complete their respective quote request forms. For examples sake, we’ll assume you need rates from Auto-Owners, Liberty Mutual and GMAC. You would need to spend time on each company’s site and type in your information over and over, which is why first method is reommended.

To view a list of companies in your area, click here.

The least recommended method to get price estimates to local insurance agencies. The ability to quote online reduces the need to sit down with an agent unless you prefer the professional advice of a licensed agent. If you prefer, some companies allow you to obtain prices from the web but still have the advice of a local agent.

It’s up to you which method you use, but make absolute certain that you use nearly identical coverage information on every quote. If your comparisons have different coverage information it will be impossible to determine which rate is truly the best.

Lower your insurance costs

The best way to find cheaper auto insurance is to take a look at some of the elements that aid in calculating the level of your policy premiums. If you understand what impacts premium levels, this helps enable you to make changes that may reward you with lower rates. Many things are used when pricing auto insurance. Most are fairly basic such as your driving history, but some are more obscure like your vehicle usage and annual miles driven.

• Liability protection limits should be high – The liability coverage on your policy is the protection if you are ruled to be at fault for damages caused by your negligence. This coverage provides legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so insureds should have plenty of protection for their assets.
• You might pay more if you are single – Having a significant other helps lower the price on your auto insurance bill. Having a significant other translates into being more financially stable and insurance companies like that drivers who are married are more cautious.
• Gender matters – Statistics have proven that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Males and females are responsible for at-fault accidents in similar numbers, but the male of the species get into accidents with more damage. Men also statistically receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 have the highest risk to insure and therefore are the most expensive to insure.
• Premiums impacted by vehicle usage – The higher the miles on your Honda in a year’s time the more you’ll pay to insure it. Many insurance companies calculate prices based on how the vehicle is used. Autos left parked in the garage receive better premium rates than vehicles that are driven to work every day. Double check that your declarations sheet states the correct driver usage, because it can save money. A policy that improperly rates your Passport can result in significantly higher rates.

When should I discuss my situation with an agent?

When choosing coverage, there is no cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether you would benefit from an agent’s advice.

• Can I pay claims out-of-pocket if I buy high deductibles?
• When should my teen driver be added to my policy?
• Where can I get insurance after a DUI in my state?
• Should I buy full coverage?
• Should I buy additional glass protection?
• Why do I need rental car insurance?
• When should I not file a claim?
• What is the minimum liability in my state?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Specific coverage details

Having a good grasp of your auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverage (or 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 coverage protects against claims like hail damage, a broken windshield, theft and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability car insurance

This coverage will cover damages or injuries you inflict on other people or property. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as structural damage, attorney fees, loss of income and legal defense fees. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for things like EMT expenses, doctor visits, X-ray expenses and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Honda Passport.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as sustaining damage from a pot hole, damaging your car on a curb, crashing into a ditch, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Make a quick buck

Consumers switch companies for any number of reasons including an unsatisfactory settlement offer, high rates after DUI convictions, delays in responding to claim requests and extreme rates for teen drivers. Regardless of your reason, choosing a new insurance company can be less work than you think.

Affordable 1998 Honda Passport insurance is available from both online companies in addition to local insurance agencies, and you should be comparing both to have the best selection. Some insurance companies may not provide the ability to get quotes online and many times these smaller companies only sell through independent agents.

While you’re price shopping online, never buy lower coverage limits just to save a few bucks. In many instances, an insured dropped liability limits or collision coverage only to regret that the savings was not a smart move. Your goal should be to find the BEST coverage for the lowest cost while not skimping on critical coverages.

Additional auto insurance information can be read on the following sites:

• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Car Insurance FAQ (Trusted Choice)
• Safety Features for Your New Car (State Farm)
• Safe Vehicles for Teens (iihs.org)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Learn About Car Insurance (Geico)