2000 Honda Passport Insurance Quotes

If you’re trying to find more affordable insurance online, are you baffled by the sheer number of insurance sources that you can choose from? Many other drivers are too. There are so many sources available that it can easily turn into a ton of work to lower your insurance rates.

Consumers need to price shop coverage as often as possible since prices are constantly changing. Despite the fact that you may have had the best rates for Passport insurance on your last policy other companies may now be cheaper. There is lot of inaccurate information about insurance online but in a few minutes you can learn some solid techniques on how to lower your insurance bill.

Buying car insurance is not that difficult. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Nevertheless, drivers benefit from understanding how companies sell online because it can help you find the best coverage.

Pay discount rates with these discounts

Properly insuring your vehicles can get expensive, but there are discounts available to help bring down the price. Some of these disounts will be visible when you purchase, but less common discounts must be specially asked for before you get the savings. If you’re not getting every credit available, you could be getting lower rates.

  • Low Mileage – Maintaining low annual mileage could be rewarded with better premium rates on cars that stay parked.
  • Discounts for Responsible Drivers – Insureds without accidents can save as much as half off their rates for Passport insurance than drivers with accidents.
  • Own a Home and Save – Just being a homeowner may trigger a policy discount on insurance coverage because owning a home demonstrates responsibility.
  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and will qualify for a discount on a car insurance quote.
  • Government Employee Discount – Federal government employees can save as much as 8% for Passport insurance with some insurance coverage companies.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may get savings of more than 20%.
  • Pay Upfront and Save – By paying your entire bill at once instead of making monthly payments you may have a lower total premium amount.
  • Driver Education Discount – It’s a good idea to have your young drivers take driver’s ed class as it can save substantially.
  • Paper-free Discount – Many insurance coverage companies will give you a small discount for buying a policy and signing up on their website.
  • ABS Brakes – Cars, trucks, and SUVs that have anti-lock braking systems are safer to drive and will save you 10% or more.

Discounts save money, but please remember that most credits do not apply the the whole policy. Most only apply to specific coverage prices like comp or med pay. If you do the math and it seems like you would end up receiving a 100% discount, you aren’t that lucky.

The best insurance coverage companies and their possible discounts can be read below.

  • State Farm offers premium reductions for Drive Safe & Save, student away at school, safe vehicle, good driver, good student, driver’s education, and defensive driving training.
  • GEICO has discounts for defensive driver, emergency military deployment, driver training, military active duty, anti-theft, and daytime running lights.
  • Progressive policyholders can earn discounts including multi-policy, online quote discount, multi-vehicle, good student, and homeowner.
  • 21st Century includes discounts for homeowners, early bird, 55 and older, automatic seat belts, air bags, defensive driver, and teen driver.
  • American Family offers discounts for multi-vehicle, early bird, air bags, bundled insurance, Steer into Savings, mySafetyValet, and TimeAway discount.
  • The Hartford has savings for driver training, anti-theft, bundle, defensive driver, air bag, and good student.
  • AAA may have discounts that include multi-car, anti-theft, multi-policy, good driver, good student, AAA membership discount, and education and occupation.

When getting a coverage quote, ask every insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts might not apply in your state. To locate providers with discount rates, click here.

Good decisions result in lower insurance premiums

Part of the insurance coverage buying process is learning the different types of things that are used to determine your insurance coverage rates. When consumers understand what determines premiums, this allows you to make good choices that could help you find big savings.

  • Raising comp and collision deductibles lowers rates – Insurance for physical damage, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Examples of covered claims would be a broken windshield, hail damage, and rolling your vehicle. Comp and collision deductibles define how much the insured will be required to pay if the claim is covered. The more money the insured has to pay upfront, the better rate you will receive for Passport insurance.
  • Bad credit hurts insurance prices – Credit rating is likely to be a major factor in determining what you pay for insurance coverage. Consumers who have high credit ratings tend to file fewer claims and have better driving records than drivers who have lower ratings. If your credit rating can be improved, you could potentially save money when insuring your 2000 Honda Passport by spending a little time repairing your credit.
  • Insurance premiums and driver gender – The statistics show that women are safer drivers than men. Now that doesn’t mean males are worse at driving than females. Women and men have accidents in similar numbers, but the men have accidents that have higher claims. Not only that, but men also get cited for more serious violations like DWI (DUI) or reckless driving.
  • Always keep your policy in force – Driving any period of time without insurance can get you a ticket and you will pay a penalty because you let your insurance lapse for non-payment. In addition to paying higher rates, getting caught without coverage will get you a hefty fine and possibly a revoked license. You may then have to file a SR-22 with your state motor vehicle department.
  • Safeguard your assets with liability protection – Your policy’s liability coverage is the protection if a jury decides you are liable for causing personal injury or damage in an accident. Liability provides for a legal defense which can be incredibly expensive. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so do not skimp.
  • Safer the car lower the rate – Cars with five star safety ratings tend to have lower insurance rates. Highly rated vehicles protect occupants better and reduced instances of injuries translates into savings for insurance companies and lower rates for you. If your Honda Passport is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Fewer miles means better premiums – The more miles you rack up on your Honda in a year the higher your rates will be. Most companies calculate prices determined by how the vehicle is used. Autos that sit idle most of the time receive lower rates compared to those used for work or business. It’s always a good idea to double check that your insurance coverage declarations sheet is showing the right rating data, because it can save money. An incorrectly rated Passport may be costing you.

Your situation helps dictate your coverage

When it comes to buying the best insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different.

For example, these questions might help in determining whether or not you could use an agent’s help.

  • Do I get a pro-rated refund if I cancel my policy early?
  • What is the rate difference between pleasure use and commuting?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered if I break a side mirror?
  • Does my personal policy cover me when driving out-of-state?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form.

Brand name doesn’t guarantee savings

State Farm and Allstate continually stream television and radio advertisements. They all seem to try to convey promises about savings if you just switch your insurance coverage to their company. It sounds good, but how can they all claim to save you money? You have to listen carefully.

Most companies have a preferred profile for the driver that earns them the most money. One example of a preferred risk may be over the age of 35, carries high limits, and drives a safe vehicle. Anyone that matches those criteria will get low premium rates and is almost guaranteed to save money with a new company.

Drivers who do not fit these standards will see higher prices which results in the customer not purchasing. The trick companies use is to say “drivers that switch” not “everyone that quotes” will save that much if they switch. This is how companies can make those claims. Because of these techniques, drivers should compare many company’s car insurance rates. It’s not possible to predict which company will give you the biggest savings.

Learn about car insurance coverages for a Honda Passport

Understanding the coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

This gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Honda Passport.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Collision protection

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

Collision coverage protects against things such as hitting a mailbox, driving through your garage door, scraping a guard rail, colliding with another moving vehicle and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive car insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, damage from a tornado or hurricane and rock chips in glass. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like chiropractic care, X-ray expenses, hospital visits and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability auto insurance

Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like repair bills for other people’s vehicles, attorney fees and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Online plus local equals savings

Insureds change insurance companies for a number of reasons such as high prices, delays in paying claims, policy non-renewal and even denial of a claim. It doesn’t matter what your reason, finding the right auto insurance provider is easier than you think.

Budget-friendly auto insurance can be purchased from both online companies and from local agencies, so you need to shop car insurance with both to have the best selection. There are still a few companies who may not offer online price quotes and usually these smaller companies only sell through independent insurance agents.

When shopping online for auto insurance, make sure you don’t buy poor coverage just to save money. In many cases, an insured cut liability coverage limits and found out when filing a claim that they should have had better coverage. Your goal is to find the BEST coverage at the best possible price, but do not sacrifice coverage to save money.

More information is located at the links below