1994 Honda Passport Car Insurance Quotes

Searching for lower auto insurance rates for your Honda Passport? Did you make the mistake of buying overpriced auto insurance? Don’t feel bad because there are many drivers thinking the same thing. Drivers have so many car insurance companies to choose from, and although it’s a good thing to be able to choose, it makes it harder to find the best rates.

Consumers need to price shop coverage on a regular basis because prices tend to go up over time. If you had the best rates for Passport insurance a few years ago you can probably find a lower rate today. You’ll find a ton of advice on auto insurance out there, but in just a couple of minutes you can learn some solid techniques on how to buy auto insurance cheaper.

This article will tell you the most effective way to quote insurance. If you currently have a car insurance policy, you will be able to reduce your rates substantially using these methods. Consumers just need to understand how to buy auto insurance online.

How to lower your insurance cost

There are several ways you can shop for insurance but one way is less labor-intensive and much quicker. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you could save time and use online quoting to get prices fast.

Most of the best insurance companies take part in a program that allows shoppers to enter their policy data once, and each participating company returns a competitive quote based on the submitted data. This saves time by eliminating quotation requests for each company you want a rate for.

To compare rates now click to open in new window.

The one downside to comparing rates this way is that consumers can’t choose the providers you want to price. So if you prefer to pick specific providers to request quotes from, we have a listing of low cost insurance companies in your area. View list of insurance companies.

However you get your quotes, make darn sure you compare the same coverage limits and deductibles on every quote you get. If your comparisons have higher or lower deductibles it will be next to impossible to decipher which rate is best.

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Insurance discounts help slash rates

Companies that sell car insurance don’t always advertise their entire list of discounts very clearly, so the next list breaks down both well-publicized in addition to some of the lesser obvious savings tricks you should be using when you buy auto insurance online.

• College Student – Youth drivers living away from home attending college and leave their car at home may be able to be covered for less.
• Home Ownership Discount – Owning your own home or condo can save a few bucks since owning and maintaining a home is proof that your finances are in order.
• Professional Organizations – Affiliation with qualifying clubs or civic groups could earn you a nice discount when shopping for insurance.
• Auto/Home Discount – If you insure your home and vehicles with the same company they may give you a discount of at least 10 to 15 percent or more.
• Buy New and Save – Putting coverage on a new car can get you a discount compared to insuring an older model.
• Sign Online – Some insurance companies give back up to $50 for buying your policy on the web.
• Safety Course Discount – Successfully completing a course in safe driver can save you 5% or more and make you a better driver.

One thing to note about discounts is that some of the credits will not apply to all coverage premiums. Most only reduce individual premiums such as comp or med pay. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way.

To view companies that offer discounts, follow this link.

Which is the best insurance?

When choosing the right insurance coverage, there isn’t really a cookie cutter policy. Each situation is unique so your insurance should reflect that Here are some questions about coverages that might point out if you might need professional guidance.

• Do I get a pro-rated refund if I cancel my policy early?
• Why do I need rental car insurance?
• Is rental equipment covered for theft or damage?
• How can I find cheaper teen driver insurance?
• Should I buy more coverage than the required minimum liability coverage?
• Is business equipment covered while in my vehicle?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Does my medical payments coverage pay my health insurance deductible?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Five tips to get cheaper insurance rates

Lots of things are taken into consideration when pricing auto insurance. A few of the factors are predictable like an MVR report, but some are not quite as obvious such as whether you are married and annual miles driven.Smart consumers have a good feel for the different types of things that come into play when calculating car insurance rates. When you understand what determines base rates, this helps enable you to make changes that can help you get much lower annual insurance costs.

The list below includes some of the most rate-impacting factors car insurance companies consider when setting your rates.

• Raise your deductibles for better rates – Physical damage coverage, otherwise known as comp (or other than collision) and collision, helps pay for damage to your vehicle. Some coverage claims are colliding with a building, damage from fire, and damage caused by flying debris. Your deductibles tell how much you are required to spend out-of-pocket if you file a covered claim. The more expense the insured has to pay upfront, the lower your rates will be for Passport insurance.
• High claims frequency drives up car insurance rates – Insurance companies generally give the lowest premiums to insureds who are not frequent claim filers. If you are a frequent claim filer, you can look forward to increased rates or even have your policy non-renewed. Auto insurance is meant to be used in the event of more catestrophic claims.
• How do annual miles impact costs? – The higher the miles on your Honda each year the more you’ll pay to insure it. A lot of companies calculate rates based upon how the vehicle is primarily used. Cars and trucks that sit idle most of the time can be on a lower rate level than those that get driven frequently. Double check that your car insurance policy properly reflects the correct usage for each vehicle. A policy that improperly rates your Passport may be wasting your money.
• Your spouse saves you money – Having a significant other may cut your premiums when shopping for car insurance. It usually means you are more mature than a single person and it’s statistically proven that married drivers tend to have fewer serious accidents.
• Teenagers are high risk – Older insureds are more cautious drivers, tend to cause fewer accidents and are safer drivers.Inexperience drivers are known to be more careless when behind the wheel and because of this, their car insurance rates are much higher.

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Drivers who switch save $402 a year? Really?

Drivers can’t avoid all the ads that claim the cheapest auto insurance rates from the likes of State Farm and Allstate. They all make an identical promise that drivers can save some big amount just by switching your policy.

But how can every company offer you a better deal? This is the trick they use.

Car insurance companies quote their cheapest rates for the type of driver that earns them the most money. A good example of a desirable risk might be described as a married female, has no claims, and has a short commute. Any driver that meets those criteria will get the preferred rates and will most likely save quite a bit of money when switching.

Drivers who fall short of these stringent criteria may be required to pay a higher premium with the end result being business going elsewhere. The wording the ads use say “people that switch” not “everyone who quotes” save that much money. That’s why insurance companies can make those statements.

This emphasizes why you really need to get auto insurance quotes as often as possible. It’s just too difficult to predict which insurance companies will have better rates than you’re paying now.

Specific coverages for a Honda Passport

Having a good grasp of your policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages found on the average insurance policy.

Liability

This coverage protects you from damages or injuries you inflict on other people or property. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as repair bills for other people’s vehicles, loss of income, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Passport.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, rock chips in glass, hitting a bird, damage from getting keyed and fire damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as prosthetic devices, X-ray expenses, rehabilitation expenses and dental work. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like scraping a guard rail, rolling your car, colliding with another moving vehicle, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, 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.

Spend less. Save more.

We just covered a lot of tips how to reduce 1994 Honda Passport insurance prices online. The key concept to understand is the more providers you compare, the better likelihood of getting the cheapest auto insurance. You may be surprised to find that the lowest prices are with a company that doesn’t do a lot of advertising. They may only write in your state and offer lower rates than their larger competitors like Progressive or Geico.

Lower-priced 1994 Honda Passport insurance can be found on the web and from local agencies, and you should compare rates from both to have the best selection. Some car insurance companies may not provide rate quotes online and these regional insurance providers only sell coverage through independent agents.

While you’re price shopping online, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice full coverage only to find out that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage at the best price, not the least amount of coverage.

More tips and info about car insurance can be read in the articles below:

• Liability Insurance Coverage (Nationwide)
• Vehicle Insurance in the U.S. (Wikipedia)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)

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