How Much Does 2000 Honda Passport Insurance Cost?

Pricey Honda Passport insurance can deplete your family’s budget, especially in this economy. Price shopping at each renewal is a fast and free way to ensure you are getting the best deal.

People have many car insurance companies to pick from, and although it’s nice to have a selection, it makes it harder to get the best deal.

Buy insurance coverage online

Cutting your insurance coverage rates is not a difficult process. Just spend a little time to compare free insurance coverage quotes to see which company has low cost insurance coverage quotes. It’s really simple and can be done using one of these methods.

• The best way to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This style of form prevents you from having to do a different quote to each individual insurance coverage company. Completing one form gets you price quotes from insurance coverage companies with the best prices.
• A more difficult way to get comparison quotes consists of visiting the website for every company you want to comare to request a price quote. For instance, let’s assume you want to view quotes from Allstate, Farmers and American Family. You would be required to visit each site and enter your information, which can get rather old. For a list of companies in your area, click here.

It doesn’t matter which method you choose, just compare the same information with every price quote. If you have different limits and deductibles on each one it’s not possible to decipher which rate is best.

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Drivers can save with with these discounts

Insuring your fleet can be pricey, but you might already qualify for some discounts that may help make it more affordable. Most are applied at the time of quoting, but a few must be asked for prior to receiving the credit. If you are not receiving all the discounts you deserve, you could be getting lower rates.

• Passive Restraints – Options like air bags or motorized seat belts can receive discounts of 25 to 30%.
• Good Student – Being a good student may save as much as 25% on a insurance coverage quote. Earning this discount can benefit you until age 25.
• Discount for Home Ownership – Owning your own home or condo may trigger a policy discount on insurance because it requires personal responsibility.
• E-sign – Many insurance companies may give you up to $50 for signing up on your computer.
• Early Payment Discounts – If you pay your bill all at once rather than spreading payments over time you could save 5% or more.
• No Accidents – Drivers who don’t have accidents have much lower rates when compared to frequent claim filers.
• Multiple Vehicles – Buying insurance for several vehicles with the same insurance company can reduce rates for all insured vehicles.
• ABS and Traction Control Discounts – Vehicles that have anti-lock braking systems are much safer to drive so companies give up to a 10% discount.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like it’s possible to get free car insurance, that’s just not realistic. Any amount of discount will positively reduce your policy premium.

Companies and some of their more popular discounts are outlined below.

• Progressive offers discounts including online quote discount, online signing, multi-policy, good student, homeowner, and multi-vehicle.
• Farmers Insurance policyholders can earn discounts including teen driver, switch companies, electronic funds transfer, bundle discounts, business and professional, pay in full, and alternative fuel.
• Farm Bureau offers discounts for driver training, safe driver, youthful driver, multi-policy, and multi-vehicle.
• State Farm has savings for multiple policy, good driver, defensive driving training, good student, multiple autos, Steer Clear safe driver discount, and safe vehicle.
• Geico includes discounts for defensive driver, membership and employees, seat belt use, multi-policy, and anti-theft.
• SAFECO may have discounts that include teen safety rewards, bundle discounts, drive less, anti-theft, multi-car, teen safe driver, and anti-lock brakes.
• Liberty Mutual may include discounts for new move discount, new graduate, safety features, newly married, teen driver discount, and newly retired.

When quoting, ask each company how you can save money. A few discounts may not be available in your area. If you would like to choose from a list of insurers with the best discounts, click this link.

Insurance rate influencing factors

Many factors are taken into consideration when you get your auto insurance bill. A few of the factors are predictable like a motor vehicle report, although others are more transparent like your continuous coverage or your commute time.

Listed below are some of the most common factors companies use to determine your rate level.

• Keep auto insurance rates low by being claim-free – If you file a lot of claims you can definitely plan on increased rates or even have your policy non-renewed. Auto insurance companies give better rates to policyholders who file claims infrequently. Auto insurance is intended to be relied upon for larger claims.
• Vehicles with better crash test results means cheaper insurance – Vehicles that have high safety ratings cost less to insure. Safer cars result in less severe injuries and reduced instances of injuries means less claims paid and thus lower rates.
• Save money with higher coverage deductibles – Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your vehicle. Some examples of covered claims are collision with another vehicle, hail damage, and having your car stolen. Deductibles for physical damage represent how much money you are required to spend before a claim is paid by your company. The more of the claim the insured is willing to pay, the less your auto insurance will be for Passport insurance.
• Men drivers tend to cost more – Over the last 30 years, statistics show females are less aggressive when driving. The data does not necessarily mean that females are better drivers. Both sexes have auto accidents in similar percentages, but guys tend to have more serious accidents. Men also tend to get ticketed for serious violations like DUI and reckless driving. Teenage male drivers are the most expensive to insure and therefore are the most expensive to insure.

Your situation helps dictate your coverage

When it comes to choosing adequate coverage, there really is not a “best” method to buy coverage. Each situation is unique and your policy should reflect that. For instance, these questions may help you determine whether or not you might need professional guidance.

• Are rock chip repairs covered?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Am I covered if hit by an uninsured driver?
• When do I need to add a new car to my policy?
• Am I covered when driving a rental car?
• I don’t drive much so do I pay less?
• How do I insure my teen driver?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and may give you better protection.

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Save $425 a year. For real?

Consumers constantly see and hear ads for cheaper insurance by companies like Allstate, Geico and Progressive. All the ads say the same thing that you can save if you switch your policy.

How do they all charge you less for car insurance? It’s all in the words they use.

Most companies have specific guidelines for a prospective insured that will not have excessive claims. For instance, a desirable risk could possibly be between the ages of 30 and 50, has no prior claims, and drives a vehicle with a low ISO rating. Any driver that meets those criteria receives the best rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who don’t meet these stringent criteria will be quoted higher prices which usually ends up with the customer buying from a different company. The ads state “customers that switch” but not “all drivers who get quotes” save that much when switching. This is how insurance companies can make claims like that.

This really illustrates why you really need to compare price quotes frequently. Because you cannot predict which company will provide the lowest prices.

Car insurance policy specifics

Knowing the specifics of car insurance can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most car insurance policies.

Comprehensive car insurance

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a broken windshield, a tree branch falling on your vehicle, theft and hitting a deer. The most a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Honda Passport.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Coverage for collisions

This covers damage to your Passport caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a building, backing into a parked car, colliding with another moving vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability auto insurance

Liability coverage protects you from damage or injury you incur to people or other property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things like repair costs for stationary objects, loss of income and legal defense fees. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like EMT expenses, prosthetic devices and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Have money to burn

Budget-conscious 2000 Honda Passport insurance is possible both online and from local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies do not provide the ability to get quotes online and most of the time these smaller companies work with independent agents.

You just read a lot of techniques to compare 2000 Honda Passport insurance rates online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding affordable insurance coverage. You may even find the most savings is with the smaller companies. They can often provide lower auto insurance rates in certain areas than the large multi-state companies such as Progressive or Geico.

For more information, feel free to visit the following helpful articles:

• Understanding Car Crashes Video (iihs.org)
• Frontal Crash Tests (iihs.org)
• Event Data Recorders FAQ (iihs.org)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)

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