1998 Honda Passport Car Insurance Rates

Buyers have a choice when searching for the best price on Honda Passport insurance. You can either spend your time contacting agents to get rate comparisons or use the internet to compare rates.

There are both good and bad ways to buy insurance so we’re going to tell you the quickest way to get price quotes on a Honda and find the lowest possible price either online or from local insurance agents.

Don’t miss these discounts

The cost of insuring your cars can be expensive, but there could be available discounts to help bring down the price. Certain discounts will be triggered automatically when you purchase, but a few need to be specially asked for before you get the savings. If you don’t get every credit available, you are throwing money away.

  • Student in College – Youth drivers who live away from home and do not have a car may qualify for this discount.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Accident Forgiveness – Certain companies permit an accident before your rates go up as long as you don’t have any claims for a certain period of time.
  • Auto/Home Discount – If you have multiple policies with one insurance company you may save at least 10% off all policies.
  • Safety Course Discount – Taking a defensive driving course could cut 5% off your bill if your company offers it.
  • Multi-car Discount – Having more than one vehicle on the same insurance coverage policy may reduce the rate for each vehicle.
  • Memberships – Affiliation with a professional or civic organization may earn a discount when shopping for insurance coverage for Passport coverage.
  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Passport coverage with a few insurance coverage companies.
  • Sign Early and Save – Some companies give discounts for signing up prior to your current policy expiring. It can save you around 10%.

Drivers should understand that many deductions do not apply to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, it just doesn’t work that way. Any qualifying discounts will bring down the amount you have to pay.

Companies that possibly offer these money-saving discounts are:

Double check with every prospective company which discounts you may be entitled to. Discounts may not apply in every state.

The most recommended method to compare rates is to realize almost all companies participate in a system to give you rate quotes. The only thing you need to do is provide information like distance driven, level of coverage desired, whether you drive to work or school, and how much education you have. That rating data is instantly submitted to insurance companies and you receive quotes with very little delay.

Honda Passport insurance rates consist of many parts

Consumers need to have an understanding of the factors that help determine insurance coverage rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that may reward you with lower insurance coverage prices.

The following are a few of the “ingredients” companies use to determine rates.

  • Theft deterrents lower rates – Choosing a vehicle with an alarm system can save you a little every year. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft.
  • Little extras can really add up – There are many extra bells and whistles you can purchase if you aren’t careful. Coverages for roadside assistance, better glass coverage and membership fees may be wasting your money. They may seem like a good idea when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • Protect your assets with liability insurance – Liability insurance provides coverage in the event that you are found to be at fault for personal injury or accident damage. It will provide legal defense coverage starting from day one. Liability is cheap compared to physical damage coverage, so do not skimp.
  • How your age affects price – Teenage drivers tend to be less responsible when behind the wheel so insurance coverage rates are higher. Older insureds tend to be more responsible, tend to file fewer claims and get fewer tickets.
  • Careful drivers pay lower rates – Good drivers receive lower rates than people who have multiple driving citations. Just one moving violation can increase rates twenty percent or more. Drivers with severe tickets like DWI, reckless driving or hit and run convictions are required to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.

When might I need help?

When it comes to buying proper insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions can help discover if your insurance needs would benefit from professional advice.

  • What if I total my 1998 Honda Passport and owe more than it’s worth?
  • Are rental cars covered under my policy?
  • Are my friends covered when driving my 1998 Honda Passport?
  • How much liability insurance is required?
  • If I drive on a suspended license am I covered?
  • When should I not file a claim?
  • Am I covered if I hit a deer?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered when driving a rental car?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It is quick, free and may give you better protection.

Save 15 percent in 15 minutes? Is it for real?

Drivers constantly see and hear ads for cheaper car insurance from companies such as Allstate and Progressive. They all seem to say the same thing about savings after switching your policy.

But how can every company say the same thing?

All the different companies have a certain “appetite” for the driver that earns them a profit. An example of a driver they prefer might be between the ages of 40 and 55, has no tickets, and drives newer vehicles. A customer getting a price quote who fits that profile will qualify for the lowest rates and therefore will pay quite a bit less when switching companies.

Potential insureds who do not match the requirements will have to pay higher rates and this can result in business not being written. Company advertisements say “drivers who switch” not “everyone that quotes” save money. That’s why companies can truthfully claim big savings.

Because of the profiling, drivers must quote coverage with many companies. You cannot predict which company will provide you with the cheapest Honda Passport insurance rates.

Insurance coverages and their meanings

Having a good grasp of insurance aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Uninsured and underinsured coverage

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses like ambulance fees, hospital visits, dental work, chiropractic care and EMT expenses. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Liability

Liability coverage protects you from damage that occurs to other’s property or people. This insurance 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. You commonly see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like pain and suffering, medical expenses, loss of income and medical services. How much coverage you buy is your choice, but consider buying higher limits if possible.

Comprehensive coverages

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, damage from a tornado or hurricane, hail damage and falling objects. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision protection

This covers damage to your Passport resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sustaining damage from a pot hole, driving through your garage door, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Make an honest buck

Cheap 1998 Honda Passport insurance is attainable online as well as from independent agents, and you should be comparing both to get a complete price analysis. There are still a few companies who don’t offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

Insureds change insurance companies for many reasons like poor customer service, an unsatisfactory settlement offer, unfair underwriting practices or even policy non-renewal. Regardless of your reason, finding the right insurance provider can be easier than you think.

We just presented some good ideas how you can get a better price on insurance. The key concept to understand is the more you quote, the higher the chance of saving money. You may be surprised to find that the lowest priced insurance comes from a smaller regional carrier.

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