Cheaper 1999 Honda Passport Insurance Rates

Trying to find lower auto insurance rates for your Honda Passport? Perplexed by the crazy number of auto insurance companies available to you? You have so many companies available that it can be a challenge to find the best premium rates.

The best way to compare rates is to know almost all companies pay for the opportunity to give free rates quotes. To get started, all you need to do is give them rating details such as if the vehicle is leased, how old drivers are, an estimate of your credit level, and if it has an anti-theft system. Your information is then submitted to multiple auto insurance providers and you get price estimates within a short period of time.

To compare multiple company rates now, click here and enter your coverage details.

Get lower-cost insurance coverage with discounts

Some insurance providers do not advertise their entire list of discounts very clearly, so the list below details a few of the more common in addition to some of the lesser obvious insurance coverage savings.

• Claim-Free Discount – Drivers with accident-free driving histories pay much less in comparison with insureds who have frequent claims or accidents.
• Government Employees – Having worked for a branch of the government may qualify for a discount when you quote car insurance on Passport insurance with a few insurance coverage companies.
• Fewer Miles Equal More Savings – Keeping the miles down on your Honda could earn substantially lower prices.
• ABS Braking Discount – Cars and trucks that have steering control and anti-lock brakes are much safer to drive and qualify for as much as a 10% discount.
• Defensive Driving Course – Taking time to complete a course in defensive driving can save you 5% or more and also improve your driving technique.
• Save with a New Car – Adding a new car to your policy can save you some money since new vehicles are generally safer.

Just know that many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, it just doesn’t work that way.

If you would like to view insurers who offer online insurance coverage quotes, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight whether your personal situation would benefit from an agent’s advice.

• Does my policy pay for OEM or aftermarket parts?
• Does insurance cover tools stolen from my truck?
• When should I drop full coverage on my 1999 Honda Passport?
• Is a blown tire covered by insurance?
• Is my custom paint covered by insurance?
• How high should my uninsured/underinsured coverage be in my state?
• Is my camper covered by my car insurance policy?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Good decisions result in lower insurance premiums

Consumers need to have an understanding of some of the things that play a part in calculating the rates you pay for insurance coverage. When consumers understand what positively or negatively impacts your premiums, this helps enable you to make changes that could help you find big savings.

The list below includes some of the most common factors utilized by car insurance companies to help set your prices.

• Bundle and save – The majority of insurers provide a discount to buyers that buy multiple policies such as combining an auto and homeowners policy. Even though this discount sounds good, consumers should still shop around to make sure you are getting the best deal.
• Liability insurance – The liability coverage on your policy will provide protection in the event that a court rules you are at fault for an accident. Liability insurance provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
• Reserve insurance coverage claims for larger damages – If you are a frequent claim filer, you shouldn’t be surprised to get either a policy non-renewal or much higher rates. Car insurance companies award the best rates to policyholders who are not frequent claim filers. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.
• Males are more aggressive – The statistics show women tend to be less risk to insure than men. This data doesn’t prove that men are WORSE drivers than women. Both genders tend to get into accidents at about the same rate, but males have costlier accidents. Men also get cited for more serious violations such as DWI and reckless driving. Teenage male drivers are the most expensive to insure so it costs more to insure them.
• Tickets are costly – Only having one driving citation may increase your cost twenty percent or more. Drivers who don’t get tickets have lower premiums than their less careful counterparts. Drivers unfortunate enough to have careless violations like DUI or willful reckless driving may find that they have to to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.
• Remove unneeded incidental coverages – There are quite a few extra add-on coverages that sound like a good idea at the time if you don’t pay attention. Insurance for things like roadside assistance, towing coverage, and membership fees may not be needed and are just wasting money. They may seem good at first, but if you don’t need them consider taking them off your policy.
• Deter theft and save money – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your insurance coverage. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
• Low mileage costs less – The more miles you rack up on your Honda in a year the more you’ll pay to insure your vehicle. Most companies rate vehicles partially by how you use the vehicle. Autos used primarily for pleasure use receive better premium rates than vehicles that are driven to work every day. It’s a good idea to make sure your insurance coverage policy reflects annual mileage. Improper usage on your Passport may be costing you higher rates.

Don’t be fooled by advertising claims

Big name companies like Geico, State Farm and Progressive seem to constantly run ads in print and on television. All the companies state the claim about savings if you move your policy. How do they all give you a lower rate? It’s all in the wording.

Insurance providers have an ideal profile for the type of insured that earns them a profit. An example of a profitable risk profile might be described as over age 30, carries high limits, and chooses high deductibles. Any person who matches that profile receive the lowest rate quotes and most likely will save quite a bit of money when switching.

Drivers who may not quite match the requirements may be required to pay higher premium rates which leads to the prospect going elsewhere. The wording the ads use say “people that switch” not “all people who quote” save that kind of money. That is how companies can make the claims of big savings.

This illustrates why it’s extremely important to do a quote comparison often. You cannot predict the company that will have the lowest rate quotes.

Learn about insurance coverages for a 1999 Honda Passport

Learning about specific coverages of insurance aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a mailbox, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Coverage for liability

Liability coverage can cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as medical expenses, emergency aid, medical services, bail bonds and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive or Other Than Collision

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hail damage, hitting a bird, vandalism and hitting a deer. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Passport.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for EMT expenses, chiropractic care, rehabilitation expenses, ambulance fees and dental work. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

And the best car insurance company is…

Insureds change insurance companies for a variety of reasons including extreme rates for teen drivers, high rates after DUI convictions, unfair underwriting practices and even poor customer service. Regardless of your reason, choosing a new company is less work than it seems.

While you’re price shopping online, do not buy less coverage just to save a little money. In too many instances, consumers will sacrifice liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase a proper amount of coverage at an affordable rate.

Some auto insurance companies may not have online price quotes and usually these smaller providers sell through independent agents. Cheaper 1999 Honda Passport insurance can be purchased online and also from your neighborhood agents, and you should compare rates from both to have the best rate selection.

More information is available at these links:

• Preventing Carjacking and Theft (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• Teen Driver Licensing Information (iihs.org)
• How to Avoid Common Accidents (State Farm)