Compare 2002 Honda Passport Insurance Rates

If online insurance comparisons are new to you, there’s a good chance you are baffled by the large number of online companies offering coverage.

If you have car insurance now, you will most likely be able to cut costs considerably using this information. Shopping for the best insurance coverage can be fairly easy. But consumers must understand the methods companies use to sell insurance online and apply this information to your search.

How to find affordable insurance coverage

Comparing insurance coverage rates can be a daunting task if you don’t know the most efficient way to do it. You could spend your day talking to local insurance agents in your area, or you could save time and use the web to achieve your goal.

Most major companies belong to an insurance system 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 quote requests to each company.

To compare rates using this form now click to open in new window.

The only drawback to doing it this way is you are unable to specify which insurance companies you want to price. If you prefer to choose specific providers to receive pricing from, we put together a list of insurance coverage companies in your area. Click here to view list.

Which method you use is up to you, but do your best to enter identical coverages for each price quote. If each company quotes higher or lower deductibles it’s not possible to decipher which rate is best. Just slight variations in insurance coverages or limits may cause a big price difference. Keep in mind that getting more free quotes helps increase your odds of locating better pricing.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight whether your personal situation may require specific advice.

• Is my cargo covered for damage or theft?
• Is my babysitter covered when using my vehicle?
• Where can I get insurance after a DUI in my state?
• Do I need special endorsements for business use of my vehicle?
• Is my 2002 Honda Passport covered for flood damage?
• Does my car insurance cover rental cars?
• Does my 2002 Honda Passport need full coverage?
• When should I drop full coverage on my 2002 Honda Passport?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Car insurance 101

Knowing the specifics of your policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured and underinsured coverage – This provides protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Honda Passport.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability insurance – This coverage provides protection from damage or injury you incur to other’s property or people. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like legal defense fees, medical services, emergency aid and court costs. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like X-ray expenses, surgery and hospital visits. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverages – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, a broken windshield and hail damage. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverages – This pays for damage to your Passport resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with another moving vehicle, rolling your car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.