2001 Honda Passport Insurance Quotes

Online price comparisons for affordable insurance can seem difficult if you are like the majority of consumers and have never used online quotes. But keep reading because we’re going to show you how.

How to compare auto insurance quotes

To get inexpensive insurance quotes, there a variety of ways of comparing rates from all the different companies. The best way to find the cheapest 2001 Honda Passport insurance rates is to jump online and get quotes. It is quite easy and can be accomplished by using one of the methods below.

If you don’t have a lot of time, the easiest way to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This type of form eliminates the need for a different quote for each company. Just one form compares rates instantly. It’s the fastest way to compare.

A slightly less efficient method to find lower rates requires visiting each company’s website and fill out their own quote form. For instance, let’s assume you want to compare Allstate, Geico and Farmers. To get each rate you have to visit each site and enter your policy data, which can get rather old. For a list of links to companies insuring cars in your area, click here.

The hardest method of comparing rate quotes is to spend time driving to insurance agencies in your area. Doing it all online has made agencies unnecessary unless you prefer the trained guidance of a local agent. It is possible to price shop online and still use a local agent.

Whichever way you use, do your best to enter identical quote information on every quote. If each company quotes different liability limits you can’t possibly determine the best price for your Honda Passport. Quoting even small variations in insurance coverages or limits can result in a big premium difference. And when quoting auto insurance, remember that making a lot of price comparisons increases the change that you will find the best price.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheaper rates by taking advantage of discounts

Auto insurance is not inexpensive, but you may qualify for discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of quoting, but a few must be asked about before you will receive the discount.

• Multi-car Discount – Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.
• Driver Training Discounts – Taking time to complete a defensive driver course can save you 5% or more and easily pay for the cost of the class.
• Multi-line Discount – If the company offers life insurance, you could get better auto insurancerates if you take out some life insurance in addition to your auto policy.
• Theft Prevention System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and can earn a small discount on your policy.
• Switch and Save Discount – Select larger companies give a discount for switching to them before your current expiration date. This discount can save up to 10%.
• Accident Free – Claim-free drivers pay less when compared to drivers who are more careless.
• Distant Student Discount – College-age children living away from home attending college and leave their car at home can receive lower rates.
• Anti-lock Brakes – Cars equipped with ABS or steering control have fewer accidents and therefore earn up to a 10% discount.
• Early Payment Discounts – By paying your entire bill at once instead of paying each month you may have a lower total premium amount.

One last thing about discounts, most discount credits are not given to all coverage premiums. Most only reduce the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like all those discounts means the company will pay you, companies don’t profit that way.

A few popular companies and their possible discounts are:

• American Family may offer discounts for early bird, TimeAway discount, defensive driver, Steer into Savings, and bundled insurance.
• State Farm has savings for good student, safe vehicle, student away at school, multiple policy, defensive driving training, and passive restraint.
• 21st Century policyholders can earn discounts including early bird, driver training, 55 and older, homeowners, and air bags.
• Travelers may have discounts that include driver training, hybrid/electric vehicle, continuous insurance, student away at school, home ownership, early quote, and multi-policy.
• Geico offers premium reductions for federal employee, defensive driver, anti-lock brakes, membership and employees, and air bags.

Before purchasing a policy, check with each company how you can save money. All car insurance discounts may not apply to policies everywhere. To choose insurance companies that offer the discounts shown above, click here.

How much insurance do I need?

When buying the right insurance coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions might point out whether or not you may require specific advice.

• Is my 2001 Honda Passport covered for flood damage?
• I have health insurance so do I need medical payments coverage?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Do I need replacement cost coverage on my 2001 Honda Passport?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Is my trailer covered?
• Can I drive in Mexico and have coverage?
• Does my insurance cover damage caused when ticketed for reckless driving?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Car insurance coverage breakdown

Understanding the coverages of a car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Coverage for liability

Liability insurance provides protection from injuries or damage you cause to other’s property or people. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims like attorney fees, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Coverage for collisions

This coverage pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a mailbox, sustaining damage from a pot hole, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from getting keyed, vandalism, falling objects, hail damage and theft. The most your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Honda Passport.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time the UM/UIM limits are set the same as your liablity limits.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like doctor visits, ambulance fees and X-ray expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

In Summary

Some insurance providers may not provide the ability to get a quote online and usually these small insurance companies prefer to sell through independent agents. The cheapest 2001 Honda Passport insurance can be sourced from both online companies and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from.

In this article, we covered a lot of information how to compare 2001 Honda Passport insurance premium rates online. It’s most important to understand that the more times you quote, the better likelihood of getting cheap insurance. You may even discover the lowest priced auto insurance comes from an unexpected company.

As you prepare to switch companies, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced full coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage at an affordable rate and still be able to protect your assets.

More resources

• Distracted Driving Statistics (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Credit and Insurance Scores (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• Neck Injury FAQ (iihs.org)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption