1999 Honda Passport Insurance Rates – 5 Tricks for Best Quotes

Trying to find the cheapest insurance coverage rates for your Honda Passport? Are you burned out from wondering where the money will come from to pay high insurance coverage rates every month? You are in the same boat as many other consumers. Drivers have many insurance companies to choose from, and although it’s a good thing to be able to choose, so many choices can make it hard to locate the cheapest rates.

You should make it a habit to quote other rates as often as possible because insurance coverage prices change frequently. Even if you got the best rates for Passport coverage a few years ago the chances are good that you can find a lower rate quote today. Forget all the misinformation about insurance coverage because I’m going to teach you the fastest and easiest way to lower your annual insurance bill.

Compare car insurance price quotes

Cutting your car insurance rates is an easy way to save money. The only requirement is to invest a little time to get quotes to find out which insurance company has cheap car insurance quotes. It’s really simple and can be done in just a few minutes using one of these methods.

• The most recommended method to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This quick form keeps you from doing a different quote for every company. A single form gets coverage cost estimates from multiple companies.
• A more time consuming way to find better pricing requires you to visit each individual company website and fill out a new quote form. For sake of this example, let’s assume you want to compare Nationwide, State Farm and GMAC. You would have to take the time to go to each site to enter the same coverage data repeatedly, which is not fast way to get rate quotes. For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just do your best to use apples-to-apples coverages on every quote. If each company quotes different data it’s impossible to make a fair rate comparison.

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Auto insurance rates and discounts

Companies don’t always list every policy discount very clearly, so the list below details both the well known as well as the least known credits that you can use to lower your rates.

• Accident Forgiveness Coverage – This isn’t a discount exactly, but some insurance companies will allow you to have one accident without getting socked with a rate hike so long as you haven’t had any claims for a specific time period.
• Discount for New Cars – Adding a new car to your policy can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.
• Anti-lock Brake Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes can stop better under adverse conditions and the ABS can save up to 10%.
• Distant Student – Youth drivers who attend college more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
• Discount for Swiching Early – A few insurance companies allow discounts for renewing your policy before your current policy expires. You can save around 10% with this discount.

As a footnote on discounts, most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like you can get free auto insurance, auto insurance companies aren’t that generous.

A list of auto insurance companies and some of their more popular discounts are shown below.

• Farm Bureau may have discounts that include youthful driver, driver training, 55 and retired, good student, renewal discount, safe driver, and multi-policy.
• State Farm includes discounts for driver’s education, defensive driving training, multiple policy, safe vehicle, Drive Safe & Save, and accident-free.
• Progressive discounts include multi-policy, online quote discount, good student, multi-vehicle, online signing, continuous coverage, and homeowner.
• Allstate has discounts for defensive driver, auto/life discount, economy car, utility vehicle, and safe driver.
• Nationwide offers premium reductions for family plan, good student, Farm Bureau membership, defensive driving, anti-theft, and business or organization.
• MetLife has savings for multi-policy, good student, good driver, accident-free, defensive driver, and claim-free.

When comparing rates, check with every prospective company which discounts you qualify for. A few discounts might not be available to policyholders in your state. To see insurance companies who offer auto insurance discounts, click here to view.

Situations that may require an agent’s advice

When it comes to buying the best car insurance coverage for your vehicles, there really is no single plan that fits everyone. Each situation is unique so this has to be addressed. These are some specific questions might point out whether your personal situation would benefit from an agent’s advice.

• Am I covered when driving a rental car?
• Is my trailer covered?
• How can I find cheaper teen driver insurance?
• Is my 1999 Honda Passport covered for flood damage?
• What is medical payments coverage?
• Does coverage extend to my business vehicle?
• When should I drop full coverage on my 1999 Honda Passport?
• Is my ex-spouse still covered by my policy?
• When would I need additional glass coverage?
• Do I pay less if my vehicle is kept in my garage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Insurance coverage basics

Having a good grasp of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most insurance policies.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as rehabilitation expenses, pain medications and EMT expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Honda Passport.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally these coverages are similar to your liability insurance amounts.

Liability insurance

Liability insurance can cover damage or injury you incur to other people or property in an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like repair bills for other people’s vehicles, attorney fees and medical services. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from flooding, damage from getting keyed, hitting a bird, theft and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto collision coverage

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a ditch, sideswiping another vehicle, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

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Shop smart and save

Lower-priced insurance is attainable on the web and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not offer rate quotes online and many times these smaller providers only sell through independent agencies.

As you go through the steps to switch your coverage, it’s very important that you do not sacrifice coverage to reduce premiums. In many cases, drivers have reduced full coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible at an affordable rate while still protecting your assets.

You just learned a lot of ways to get a better price on 1999 Honda Passport insurance. The most important thing to understand is the more quotes you get, the better your comparison will be. Consumers may even find the best price on insurance is with a small local company. These smaller insurers may cover specific market segments cheaper than their larger competitors like Geico and State Farm.

Other resources

• Crash Avoidance Technologies FAQ (iihs.org)
• Credit Impacts Car Insurance Rates (State Farm)
• Credit and Insurance Scores (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)
• How to Avoid Staged Accidents (State Farm)

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