1997 Honda Passport Insurance Quotes – 9 Tips for Cheapest Rates

Trying to come up with a payment for high-priced insurance can take a big chunk out of your accounts and force you to cut corners elsewhere.

Many insurers compete for your business, so it can be very hard to choose a company and uncover the absolute best rates possible.

It’s a good habit to take a look at other company’s rates every six months because insurance prices are constantly changing. Despite the fact that you may have had the best rates on Passport insurance six months ago there may be better deals available now. You can find a lot of information about insurance online, but we’re going to give you some great ideas on how to find cheap insurance.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these methods. Finding the best rates is easy if you know what you’re doing. Nevertheless, vehicle owners should learn the way companies market on the web because it can help you find the best coverage.

How to buy insurance online

To get the cheapest insurance quotes, there a variety of ways of comparing rate quotes from different companies. The best way to find competitive 1997 Honda Passport insurance rates involves getting comparison quotes online. This can be accomplished using a couple different methods.

One of the best ways to find low rates is to use a rate comparison form like this one (opens in new window). This quick form prevents you from having to do separate forms for each company you want a rate for. A single form will get you rate comparisons instantly.

A harder way to find more affordable insurance is spending the time to visit the website for every company you want to comare and repeat the quote process. For examples sake, we’ll assume you want to compare rates from USAA, Allstate and Liberty Mutual. To get rate quotes you would need to visit each site and type in your information over and over, and that explains why we recommend the first method.

To view a list of companies in your area, click here.

The final way to compare price quotes is going to different agent offices. The ability to get quotes online eliminates this option unless you require the advice and guidance that only an agent can give. Drivers can comparison shop your insurance online and get advice from an agent in your area.

It’s up to you which method you use, but compare nearly identical quote information for each quote you get. If the quotes have mixed coverages it will be impossible to determine which rate is truly the best. Just slight variations in coverage limits may cause a big price difference. And when price shopping your coverage, getting more free quotes increases your odds of finding the best price. Some companies don’t provide online rate quotes, so you should also compare price quotes from them as well.

There’s no such thing as the perfect insurance policy

When buying proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Every situation is different so your insurance should reflect that For example, these questions might help in determining if your situation would benefit from an agent’s advice.

• Is my custom paint covered by insurance?
• Should I carry comprehensive and collision coverage?
• How do I insure my teen driver?
• Do I need more liability coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?
• How does medical payments coverage work?
• What can I do if my company won’t pay a claim?

If you don’t know the answers to these questions but a few of them apply, you might consider talking 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 companies in your area.

Car insurance coverage information

Learning about specific coverages of your car insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types offered by car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Honda Passport.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision coverage

Collision insurance pays for damage to your Passport from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like driving through your garage door, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Auto liability insurance

This provides protection from damage that occurs to a person or their property in an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as pain and suffering, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for bills such as ambulance fees, chiropractic care and doctor visits. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hail damage, rock chips in glass, hitting a deer and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.