Cheaper 1997 Honda Passport Car Insurance Rates

Locating the cheapest insurance for a Honda Passport could be a lot of work, but you can learn these tips and make it easy. There are more efficient ways to compare insurance coverage rates so you’re going to learn the absolute fastest way to price shop coverage for a Honda and obtain the lowest price from both online companies and local agents.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have a current insurance coverage policy or are shopping for new coverage, you can use these techniques to cut your premiums and possibly find even better coverage. Vehicle owners just need to learn the tricks to shop over the internet.

How much can you save with discounts?

Auto insurance companies don’t always advertise every discount in a way that’s easy to find, so we break down some of the more common and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Multiple Policy Discount – When you have multiple policies with one insurance company you may earn at least 10% off all policies.
  • No Charge for an Accident – Certain companies permit an accident without raising rates if you are claim-free for a certain period of time.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Save with a New Car – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Safety Course Discount – Taking a course in driver safety could save 5% or more depending on where you live.
  • Low Mileage Discounts – Keeping the miles down on your Honda can qualify you for discounted rates on garaged vehicles.
  • Discount for Swiching Early – Select companies give a discount for switching to them prior to your current policy expiring. The savings is around 10%.
  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks just for signing your application over the internet.

Keep in mind that most credits do not apply to your bottom line cost. Most only cut specific coverage prices like medical payments or collision. So when the math indicates it’s possible to get free car insurance, auto insurance companies aren’t that generous.

To see a list of insurers offering auto insurance discounts, click here.

Cheap Insurance Comparisons

Finding lower insurance rates can be quick and easy. You just need to spend a little time to compare quotes online from several insurance companies. It is quite easy and can be accomplished in several different ways.

The best way to find low rates is to use a rate comparison form like this one (opens in new window). This method keeps you from doing separate forms for each company you want a rate for. Completing one form gets rate comparisons from multiple low-cost companies. It’s the fastest way to compare.

A more difficult way to get quotes online is to manually visit the website of each company to complete their respective quote request forms. For sake of this example, let’s say you want to compare USAA, Geico and State Farm. To get each rate you have to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular.

For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but make darn sure you compare identical coverage limits and deductibles for each comparison quote. If you enter mixed coverages it’s impossible to determine which rate is truly the best.

Honda Passport rates are complex

Consumers need to have an understanding of some of the elements that play a part in calculating the rates you pay for insurance. Knowing what controls the rates you pay helps enable you to make changes that may reward you with lower insurance prices.

  • Lower deductibles cost more – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Honda. Examples of covered claims could be a windshield shattered by a rock, vandalism, and windstorm damage. Your deductibles are how much you are required to spend out-of-pocket in the event of a claim. The more money you’re willing to pay, the bigger discount you will receive for Passport insurance.
  • Don’t buy coverages you don’t need – There are a ton of add-on coverages that can waste your money on your Passport policy. Things like vanishing deductibles, accident forgiveness and additional equipment coverage are some examples. They may seem good when talking to your agent, but now you might not need them so remove them from your policy.
  • The more you drive the more you pay – Driving more miles each year the higher your rates will be. Almost all companies charge to insure your cars based upon how you use the vehicle. Autos used primarily for pleasure use can get a lower rate than those used for commuting. Improper usage on your Passport may be wasting your money. Double check that your insurance coverage properly reflects the proper vehicle usage, because it can save money.
  • Always keep insurance in force – Driving without insurance can get your license suspended and as a result your rates will increase for letting your coverage lapse. Not only will you pay more, failure to provide proof of insurance will get you a license revocation or jail time.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.

How much car insurance do I need?

When choosing coverage for your vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions could help you determine whether your personal situation would benefit from professional advice.

  • Is my trailer covered?
  • What is UM/UIM insurance?
  • Do I have coverage when making deliveries for my home business?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my teenager covered with friends in the car?
  • Is my dog or cat covered if injured in an accident?
  • Is a fancy paint job covered?

If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can help protect your family.

Coverage specifics

Having a good grasp of insurance helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

Liability coverage

Liability insurance will cover damage or injury you incur to a person or their property. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against claims like repair costs for stationary objects, loss of income, medical services and legal defense fees. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like chiropractic care, pain medications and doctor visits. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Honda Passport.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like rock chips in glass, hail damage, fire damage, damage from getting keyed and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage protection

This coverage will pay to fix 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 sideswiping another vehicle, hitting a mailbox, crashing into a ditch, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Shop around and save

Throughout this article, we presented a lot of ways to lower your 1997 Honda Passport insurance rates. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the best price on insurance coverage is with a lesser-known regional company.

When trying to cut insurance costs, don’t be tempted to buy less coverage just to save a little money. There are many occasions where someone dropped full coverage and learned later that it was a big mistake. Your strategy should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Cheap insurance can be found on the web in addition to many insurance agents, so you should compare both so you have a total pricing picture. Some insurance coverage companies do not provide online price quotes and most of the time these small, regional companies sell through independent agents.

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