Cheap 1995 Honda Passport Insurance Rates

Trying to find better auto insurance rates for your Honda Passport? Expensive auto insurance can take a big chunk out of your savings account and force you to make sacrifices. Shopping your coverage around is free and is an excellent way to lower your monthly bill.

Consumers have many car insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, so many choices can make it hard to adequately compare rates.

Smart consumers take time to get comparison quotes every six months because rates are constantly changing. Just because you had the best rates for Passport insurance a couple years back there may be better deals available now. There is too much inaccurate information about auto insurance online, so I’m going to show you a lot of great tips on how to find cheap auto insurance.

Factors that can influence Honda Passport insurance rates

Smart consumers have a good feel for some of the elements that come into play when calculating the rates you pay for auto insurance. Understanding what influences your rates empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

  • Do you know your deductibles? – The deductibles define the amount you are willing to pay in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of covered claims are running into the backend of another car, collision with an animal, and rolling your vehicle. The higher the amount you’re willing to pay, the bigger discount you will receive for Passport insurance.
  • How your age affects price – Teen drivers are statistically proven to get distracted easily behind the wheel so they pay higher auto insurance rates. Having to add a young driver to your policy can really hurt. Older drivers are more responsible, tend to cause fewer accidents and receive fewer citations.
  • Protect your assets with liability insurance – Your policy’s liability coverage is the protection when you are found liable for causing damage or personal injury in an accident. Liability insurance provides legal defense which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
  • Never go without insurance – Driving your car without having proper coverage is against the law and your next policy will cost more because you let your insurance expire. Not only will you pay more, but being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.
  • Males pay more for insurance – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that women are better drivers. Men and women cause accidents at about the same rate, but the men cause more damage. Men also statistically have more aggressive citations like reckless driving and DUI. Teenage male drivers are the most expensive to insure and therefore are the most expensive to insure.
  • Equipment add-ons that lower auto insurance rates – Driving a car with a theft deterrent system can help bring down rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • Multiple policies with one company can save – The majority of auto insurance companies give discounts to people who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to compare other company rates to make sure you are getting the best deal. Consumers may find a better deal by buying insurance from more than one company.

Lower rates by qualifying for discounts

Auto insurance companies don’t always list all available discounts very well, so we took the time to find both well-publicized and the harder-to-find auto insurance savings.

  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount for Passport insurance with a few auto insurance companies.
  • Multiple Policy Discount – When you have multiple policies with one insurance company you will save approximately 10% to 15%.
  • Club Memberships – Being a member of a civic or occupational organization could qualify you for a break on auto insurance for Passport insurance.
  • Homeowners Savings – Simply owning a home may trigger a auto insurance policy discount because of the fact that having a home demonstrates responsibility.
  • Good Student Discount – Performing well in school can save 20 to 25%. This discount can apply well after school through age 25.

Consumers should know that most credits do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way.

Car insurance companies that may offer these benefits include:

It’s a good idea to ask each company what discounts are available to you. Discounts might not apply everywhere.

Car insurance is unique, just like you

When it comes to buying adequate coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might help in determining whether you might need an agent’s assistance.

  • Is motorclub coverage worth it?
  • Which is better, split liability limits or combined limits?
  • Does my policy pay for OEM or aftermarket parts?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does insurance cover tools stolen from my truck?
  • Am I covered if hit by an uninsured driver?
  • Does my insurance cover my expensive audio equipment?
  • What are the financial responsibility laws in my state?
  • Do all my vehicles need collision coverage?
  • Do I need replacement cost coverage on my 1995 Honda Passport?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Car insurance coverage information

Having a good grasp of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by insurance companies.

Comprehensive coverage

This covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a deer, damage from flooding, damage from a tornado or hurricane and hitting a bird. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability auto insurance

This coverage provides protection from injuries or damage you cause to other’s property or people. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: 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 a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as emergency aid, funeral expenses, structural damage, repair costs for stationary objects and medical expenses. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Collision protection

Collision insurance pays for damage to your Passport caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as backing into a parked car, sideswiping another vehicle, colliding with a tree, rolling your car and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for bills for nursing services, X-ray expenses, surgery and EMT expenses. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants 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. So UM/UIM coverage is important protection for you and your family.

In any little way, save everyday

We just showed you a lot of tips how to save on 1995 Honda Passport insurance. The key concept to understand is the more quotes you get, the better your comparison will be. Consumers may even find the lowest premiums are with some of the smallest insurance companies. These companies often have lower prices on specific markets as compared to the big name companies such as Allstate, Geico and Progressive.

While you’re price shopping online, don’t be tempted to reduce coverage to reduce premium. There have been many situations where someone dropped liability limits or collision coverage and learned later they didn’t purchase enough coverage. The proper strategy is to purchase plenty of coverage at the best price, not the least amount of coverage.

More detailed insurance coverage information can be read by following these links: