Cheaper 2000 Honda Passport Insurance Cost

Want cheaper insurance rates for your Honda Passport? No car owner looks forward to paying premiums for insurance, in particular when the price is too high. Multiple auto insurance companies compete to insure your vehicles, and because of this it can be hard to compare auto insurance companies to find the best rates possible.

The best way to compare policy rates is to take advantage of the fact most insurance companies will pay a fee to give free rates quotes. To get started, all you need to do is give them some information like daily mileage, whether you have decent credit, if you require a SR-22, and level of coverage desired. The rating information gets transmitted to many different companies and they provide comparison quotes almost instantly.

Insurance coverage discounts help cut rates

Insurance coverage can be pricey, but you might already qualify for some discounts that can dramatically reduce your bill. Some discounts will apply when you quote, but a few need to be asked for before they will apply.

  • Discount for Home Ownership – Just owning your own home can earn you a little savings since owning and maintaining a home demonstrates responsibility.
  • Multi-car Discount – Purchasing coverage when you have all your vehicles with the same company can get a discount for every vehicle.
  • Discounts for Federal Employees – Active or retired federal employment may qualify for a discount when you quote auto insurance on Passport insurance with select insurance companies.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Honda could earn better rates on cars that stay parked.
  • Discount for Passive Restraints – Factory air bags or motorized seat belts could see savings of more than 20%.
  • Driver’s Education for Students – It’s a good idea to have your young drivers complete a driver education course if it’s offered in school.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, insurance coverage companies aren’t that generous. But all discounts will positively reduce the premium cost.

The best insurance coverage companies and some of the premium reductions they offer are outlined below.

  • Geico may include discounts for air bags, driver training, good student, federal employee, and seat belt use.
  • Auto-Owners Insurance offers premium reductions for student away at school, safe driver, multiple vehicles, company car, multi-policy, and teen driver.
  • American Family has savings for defensive driver, TimeAway discount, good student, air bags, multi-vehicle, and mySafetyValet.
  • Esurance may have discounts that include multi-policy, multi-car, online quote, paid-in-full, anti-lock brakes, and good student.
  • Progressive discounts include multi-vehicle, online signing, good student, homeowner, continuous coverage, online quote discount, and multi-policy.
  • State Farm may offer discounts for passive restraint, multiple autos, safe vehicle, good student, and driver’s education.
  • AAA has discounts for multi-car, multi-policy, anti-theft, good driver, and AAA membership discount.

When getting a coverage quote, ask every company to give you their best rates. Savings may not apply to policies in your state. To choose providers that offer discounts, follow this link.

Which is the best insurance?

When buying coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. For instance, these questions can aid in determining whether your personal situation may require specific advice.

  • What vehicles should carry emergency assistance coverage?
  • Is my trailer covered?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my teen driver covered when they drive my company car?
  • How much liability do I need to cover my assets?
  • Why do I only qualify for high-risk insurance?
  • Should I have combined single limit or split liability limits?
  • What can I do if my company denied a claim?
  • Why does it cost so much to insure a teen driver?
  • Why am I required to buy liability insurance?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Honda Passport insurance premium factors

Lots of factors are considered when quoting car insurance. Some are pretty understandable like your driving record, although others are not as apparent such as whether you are married or your commute time.One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that go into determining your premiums. When you know what positively or negatively controls the rates you pay, this helps enable you to make changes that may reward you with cheaper rates.

  • Policy add-ons may be wasting money – There are quite a few extra coverages that may not really be needed if you don’t pay attention. Insurance for personal injury protection, death and dismemberment, and extra equipment coverage may be costing you every month. You may think they are a good idea when deciding what coverages you need, but your needs may have changed so remove them and pocket the money.
  • Liability coverage preserves assets – Your policy’s liability coverage is the coverage that protects you if a jury decides you are liable for personal injury or accident damage. It will provide legal defense coverage starting from day one. This coverage is very inexpensive when compared to the cost of physical damage coverage, so do not skimp.
  • Teen drivers cost more – Youthful drivers have been known to get distracted easily when driving so they pay higher auto insurance rates. Older drivers have been proven to be more responsible, cost insurance companies less in claims and are safer drivers.
  • Save money by having multiple policies – The majority of companies give discounts to customers who buy several policies from them such as combining an auto and homeowners policy. Even with this discount applied, you still need to shop around to guarantee you are still saving the most. You may still find lower rates by buying from different companies
  • Tickets mean higher prices – How you drive can have a huge impact on auto insurance premiums. Drivers who don’t get tickets get better prices than bad drivers. Having just one driving citation can increase rates by as much as twenty percent. Drivers unfortunate enough to have dangerous tickets like DUI or reckless driving may face state-mandated requirements to maintain a SR-22 with their state’s licensing department in order to continue driving.
  • Auto insurance policy lapses increase prices – Having an insurance coverage lapse can be a fast way to pay more for auto insurance. In addition to paying higher premiums, not being able to provide proof of insurance may earn you fines or a revoked license.

Auto insurance coverages

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages available from insurance companies.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, hitting a deer and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for immediate expenses such as pain medications, nursing services, funeral costs, hospital visits and doctor visits. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. It covers 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

Auto liability

This coverage can cover injuries or damage you cause to a person or their property that is your fault. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as attorney fees, bail bonds, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Honda Passport.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Collision protection

Collision insurance covers damage to your Passport resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a building, damaging your car on a curb, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Save for a rainy day

We just presented some good ideas how you can reduce 2000 Honda Passport insurance prices online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the lowest prices come from the smaller companies. Regional companies may only write in your state and offer lower rates compared to the large companies like Allstate or State Farm.

When buying insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced full coverage and discovered at claim time that it was a big mistake. Your focus should be to buy enough coverage at an affordable rate but still have enough coverage for asset protection.

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Comments About 2000 Honda Passport Insurance

  1. Tuan Church

    From northwest of New York City, NY. Received quotes with Amica, MetLife, and some smaller one I can’t remember the name of for my 2000 Honda Passport and I’m now saving $12 a month. I’m thinking about dropping full coverage though.

  2. Enola Adkins

    If you have a good history and are close to Fort Wayne, IN, check out Allstate. They seem to be cheaper. It’s still not cheap enough. Book value doesn’t justify full coverage anymore.

  3. Kesha Vang

    Like your site, BTW. I live on the north side of Columbus, GA. Got prices from State Farm, Auto-Owners, and some I forget for my 2000 Honda Passport and saved just over $100 a year. Left 21st Century to switch. Are quotes cheaper online? Not worth enough to pay for comprehensive and collision.

  4. Kareem Brown

    Where is cheaper car insurance? I’m from Grand Forks, ND. I got free prices from The General, AAA, Sentry, and a couple others for my Passport and I’m now saving $17 a month. I even had a DUI years ago.

  5. Richard Mann

    If you have a good history and are close to West Valley City, UT, check out State Farm. I saved quite a bit. Book value doesn’t justify full coverage anymore.

  6. Buck Moses

    I got quite a few price quotes for a 2000 Honda Passport in Las Cruces, NM. Ended up at darn near $110 every six months with Auto-Owners. Good savings if you bundle.

  7. Tyson Montoya

    I was with Hanover last year but switched to Progressive. Located in Springfield, MA. I only have liability coverage on it.

  8. Yee Kerr

    Hope my car insurance gets cheaper. I live in a small town just outside of Rockford, Illinois. Quoted prices from Amica, Mercury, and Western Auto Insurance for my 2000 Honda Passport and saved $117 a year. Insured with Erie before. I only have liability coverage on it.

  9. Angelena Maxwell

    If you don’t have tickets and are close to Honolulu, HI, check out GEICO. I saved quite a bit. Ask about discounts. They were helpful in switching over. Anyone else drop full coverage?

  10. Vicki Hensley

    GEICO and State Farm were both pretty cheap in Minneapolis, MN.

  11. Dorotha Aguilar

    I got quite a few price quotes for a 2000 Honda Passport in Biloxi, Mississippi. Ended up at roughly $110 every six months with Auto-Owners. Left Amica to switch. My new agent seems to be really good. I don’t put full coverage on it.

  12. Silas Kirkland

    Checking in from Provo, UT, and Progressive rates were best. Hardly afford to drive anymore. I dropped full coverage awhile back.

  13. Sherrill Gould

    If you have a clean record and live in the vicinity of Juneau, AK, check out Allstate. You might get cheaper rates. Insured with Esurance before. Next renewal I’ll just do liability.

  14. Rona Haney

    Allstate is cheapest in Minnesota! :)