Cheaper 1994 Honda Passport Insurance Cost

Finding better rates for insurance coverage is always hard for beginners to comparison shopping online. There are so many options available that it can be a challenge to locate the lowest price.

Buying more affordable auto insurance is simple if you know the tricks. Just about anyone who shops for auto insurance stands a good chance to be able to reduce their rates. But drivers must comprehend the methods companies use to compete online.

Cheap Auto Insurance Comparisons

When shopping for auto insurance there are multiple ways of comparing rates and find the best price. One of the best ways to find competitive 1994 Honda Passport insurance rates consists of obtaining rate quotes online. This is very easy and can be done in a couple of different ways.

  1. The easiest and least time consuming way to find low rates would be an industry-wide quote request form click to view form in new window. This form eliminates the need for separate quotes for each company you want a rate for. One simple form compares rates direct from many companies. Recommended for those who want to invest the least amount of time.
  2. Another way to obtain and compare quotes online is to manually visit the website for every company you want to comare and request a quote. For examples sake, we’ll assume you want to compare Allstate, Safeco and Liberty Mutual. You would have to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.
  3. The least efficient way to get comparison rates is to drive around to different agent offices. The ability to buy insurance online has reduced the need for local agents unless you want the trained guidance only provided by licensed agents. Drivers can get prices online but buy from a local insurance agent and we’ll touch on that later.

However you get your quotes, make darn sure you compare apples-to-apples coverage information for every company. If the quotes have mixed coverages then you won’t be able to determine the best price for your Honda Passport. Quoting even small variations in coverage limits could mean much higher rates. And when price shopping your coverage, comparing more company’s prices will increase your chances of finding better pricing.

Don’t miss out on these money-saving discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available to help bring down the price. A few discounts will automatically apply at the time of purchase, but some may not be applied and must be asked about before being credited.

  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Homeowners Pay Less – Owning a house may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
  • Paperwork-free – Some insurance companies give back up to $50 for buying your policy digitally online.
  • Low Mileage Discounts – Driving fewer miles could qualify for better rates on cars that stay parked.
  • Save over 55 – Older drivers may qualify for a small decrease in premiums for Passport coverage.
  • Auto/Home Discount – When you have multiple policies with one company you may earn approximately 10% to 15%.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy life insurance from them.

Drivers should understand that some of the credits will not apply to your bottom line cost. A few only apply to specific coverage prices like collision or personal injury protection. Just because you may think it’s possible to get free car insurance, companies don’t profit that way. But all discounts will reduce your premiums.

Companies that may offer these benefits may include but are not limited to:

Check with every prospective company which discounts you may be entitled to. Savings may not apply in your state.

Honda Passport insurance premiums are calculated by many factors

An important part of buying insurance is that you know the rating factors that help determine your insurance rates. Knowing what influences your rates enables informed choices that can help you get lower insurance prices.

  • Do you need the policy add-ons? – There are a lot of add-on coverages that you can get tricked into buying on your insurance policy. Coverages for vanishing deductibles, accidental death and motor club memberships may be costing you every month. These may sound like a good investment at first, but if you don’t need them eliminate them to save money.
  • Keep rates low by being claim-free – If you frequently file small claims, you can expect either policy cancellation or increased premiums. Insurance companies generally give lower rates to people who are claim-free. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Men are more aggressive – Statistics demonstrate women are more cautious behind the wheel. Now that doesn’t mean men are worse drivers. Both sexes tend to get into accidents at a similar rate, but the men tend to have more serious accidents. Men also statistically receive more costly citations such as reckless driving.
  • One company can mean more discounts – Many insurance companies give discounts to people who carry more than one policy. It’s known as a multi-policy discount. Discounts can be 10 percent or more. Even if you’re getting this discount you still need to compare rates to confirm you are receiving the best rates possible.
  • Liability coverage is cheap – The liability section of your policy is the coverage that protects you if ever you are found to be at fault for damages caused by your negligence. It provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.

Do I need special coverages?

When it comes to buying coverage, there is no single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining whether you would benefit from professional advice.

  • When should I buy a commercial auto policy?
  • Does car insurance cover theft of personal property?
  • Do I need to file an SR-22 for a DUI in my state?
  • Can I afford low physical damage deductibles?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I insured when driving a different vehicle?
  • What companies insure drivers after a DUI or DWI?
  • Will filing a claim cost me more?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Do drivers who switch really save?

Progressive, Allstate and Geico regularly use ads on TV and radio. All the companies have a common claim of big savings if you move your coverage to them. How can each company claim to save you money?

All companies have a preferred profile for the driver that earns them a profit. A good example of a desirable insured might be between the ages of 40 and 55, a clean driving record, and drives newer vehicles. A customer getting a price quote who matches those parameters will get the preferred rates and as a result will probably save when switching.

Potential insureds who do not match these standards will be charged more money which leads to business going elsewhere. Company advertisements say “drivers who switch” not “people who quote” save that much. That’s why insurance companies can make those claims.

That is why it’s extremely important to compare many company’s rates. You cannot predict which insurance companies will provide you with the cheapest Honda Passport insurance rates.

Car insurance coverage information

Having a good grasp of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Liability auto insurance

This coverage protects you from injuries or damage you cause to other people or property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as funeral expenses, bail bonds and structural damage. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as fire damage, a broken windshield and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Honda Passport.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like funeral costs, rehabilitation expenses and X-ray expenses. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Collision protection

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

Collision insurance covers things like crashing into a building, scraping a guard rail, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

A penny saved is a penny earned

Insureds change insurance companies for many reasons like high prices, poor customer service, not issuing a premium refund or questionable increases in premium. It doesn’t matter what your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut physical damage coverage to discover at claim time that they should have had better coverage. The aim is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

In this article, we presented a lot of tips how to get a better price on 1994 Honda Passport insurance. The key thing to remember is the more companies you get rates for, the better your comparison will be. You may even discover the lowest premiums are with some of the lesser-known companies.

Additional detailed information is available in the articles below: