View 1997 Honda Passport Insurance Rates

Pretty sure you bought an overpriced insurance coverage policy? You’re in good company because many consumers feel financially strained by their insurance coverage policy. Popular companies such as State Farm, Farmers Insurance, Geico and Allstate promote their brand names with ad campaigns and it is challenging if not impossible to ignore the flashy ads and find the best price available.

If you have a current car insurance policy or are shopping for new coverage, you can follow these tips to find better prices and possibly find even better coverage. Buying car insurance is quite easy. Vehicle owners only need to know how to compare price quotes online.

How to get auto insurance quotes

Most larger insurance companies like Allstate, Geico and Progressive give coverage price quotes on their websites. Comparing rates online is fairly simple as you just type in the coverages you want into the quote form. After the form is submitted, their system pulls reports for credit and driving violations and gives you a price quote based on these and other factors. Online price estimates makes it easy to compare insurance prices but the process of having to visit each company’s website and repetitively type in the same information is repetitive and time-consuming. But it’s absolutely necessary to compare as many rates as possible if you want to find better prices.

Compare rates the easy way

A better way to locate the lowest prices uses one simple form to obtain quotes from several companies at one time. It’s a real time-saver, eliminates repetitive work, and makes rate comparisons much simpler. Once the form is submitted, it is quoted and you are able to buy any of the quotes returned.

If you find a better price you can simply submit the application and purchase the new policy. It takes just a few minutes to complete and may save quite a bit of money.

If you want to find out if lower rates are available, click here to open in a new tab and fill out the form. If you currently have coverage, we recommend that you enter the insurance coverages exactly as they are listed on your policy. Doing this assures you will receive rate comparison quotes for exact coverage.

Car insurance policy discounts

Car insurance can be pricey, but there’s a good chance there are discounts to help offset the cost. Larger premium reductions will be automatically applied when you quote, but some need to be asked for before you will receive the discount.

  • Driver Safety – Participating in a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Low Miles Discount – Driving less could earn discounted premium rates on garaged vehicles.
  • Active Military Service – Being deployed in the military can result in better prices.
  • Buy New and Save – Insuring a new car is cheaper compared to insuring an older model.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can stop better under adverse conditions so you can save 10 percent or more.
  • Club Memberships – Belonging to certain professional organizations may earn a discount on car insurance.
  • Discounts for Federal Employees – Active or former government employment could provide a small rate reduction for Passport coverage with certain companies.
  • Discount for Swiching Early – A few car insurance companies allow discounts for buying a policy prior to the expiration date on your current policy. It’s a savings of about 10%.

A little disclaimer on discounts, most discount credits are not given to the entire cost. Most only reduce individual premiums such as comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, companies wouldn’t make money that way.

The best car insurance companies and a summarized list of policyholder discounts can be read below.

  • State Farm policyholders can earn discounts including safe vehicle, good driver, driver’s education, passive restraint, and accident-free.
  • Geico discounts include membership and employees, daytime running lights, military active duty, driver training, and anti-lock brakes.
  • Liberty Mutual may include discounts for exclusive group savings, newly married, good student, preferred payment discount, multi-policy, newly retired, and new graduate.
  • The Hartford may have discounts that include defensive driver, air bag, driver training, anti-theft, vehicle fuel type, and good student.
  • MetLife offers discounts including good student, defensive driver, multi-policy, accident-free, and claim-free.
  • Progressive has savings for online quote discount, good student, multi-policy, multi-vehicle, online signing, and homeowner.

Before purchasing a policy, check with each insurance company which discounts you qualify for. Some of the discounts discussed earlier may not apply to policyholders in your area. To see a list of companies with discount rates, click here to view.

Learn how to lower your insurance rates

One of the most helpful ways to save on insurance is to to have a grasp of some of the things that play a part in calculating the level of your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make good choices that could result in lower insurance prices. Many different elements are used in the calculation when quoting car insurance. Some are pretty understandable like a motor vehicle report, but other factors are more transparent like where you live or how safe your car is.

  • Good drivers pay less – Being a careful driver can have a huge impact on auto insurance premiums. Only having one citation can increase rates forty percent or more. Careful drivers get better prices than their less careful counterparts. Drivers who have flagrant violations like hit and run, DWI or reckless driving convictions may need to file a SR-22 with their state’s licensing department in order to continue driving.
  • Liability is important – A critical coverage on your policy, liability insurance is the coverage that protects you when you are ruled to be at fault for physical damage or personal injury to other. Liability provides legal defense to attempt to prove you were not liable. Liability is cheap compared to other policy coverages, so do not skimp.
  • Low mileage costs less – Driving more miles in a year the more you’ll pay to insure your vehicle. A lot of companies calculate rates determined by how the vehicle is used. Cars that are left in the garage qualify for better rates compared to those used for work or business. It’s always a good idea to double check that your declarations sheet correctly shows the proper vehicle usage. A policy that improperly rates your Passport is throwing money out the window.
  • Get cheaper costs after the wedding – Being married actually saves money when buying insurance. Having a significant other may mean you are more financially stable and insurance companies reward insureds because drivers who are married are more cautious.
  • Do you qualify for a multi-policy discount? – Some insurance companies provide a discount to people that have more than one policy. It’s known as a multi-policy discount. The discount can be ten percent or more. Even with this discount, it’s still a good idea to shop around to help ensure you have the lowest rates. It’s possible to still find lower rates by buying insurance from a different company.

How do I know if I need professional advice?

When buying adequate coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that may help highlight whether or not you may require specific advice.

  • Are my tools covered if they get stolen from my vehicle?
  • What if I don’t agree with a claim settlement offer?
  • How much liability insurance is required?
  • Am I covered by my spouse’s policy after a separation?
  • Where can I find DUI or SR-22 insurance?
  • I don’t drive much so do I pay less?
  • When can my company non-renew my policy?
  • Should I buy full coverage?
  • Will my rates increase for filing one claim?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Can you really save $410 a year?

Consumers can’t ignore all the ads that claim the cheapest prices from the likes of Allstate, Geico and Progressive. They all make an identical promise that drivers will save a bundle if you move your car insurance coverage to their company.

How does every company say the same thing? This is the trick they use.

Different companies provide the lowest rates for the type of customer that earns them the most money. For instance, this type of driver might have to be between the ages of 40 and 55, has few claims, and insures a new vehicle. Any new insured that matches those criteria gets the lowest rates and therefore will save quite a bit of money when switching.

People who do not match those standards will see a higher premium and the customer buying from a different company. The ads say “people that switch” but not “all drivers who get quotes” save that much when switching. That is how insurance companies can confidently advertise the way they do.

That is why drivers must compare as many free insurance quotes as you can. You cannot predict the company that will have the best auto insurance rates.

Auto insurance coverages explained

Understanding the coverages of a auto insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are typical coverages available from auto insurance companies.

Medical payments coverage and PIP

Med pay and PIP coverage pay for expenses for rehabilitation expenses, chiropractic care, ambulance fees, surgery and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision insurance

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

Collision can pay for things like hitting a mailbox, scraping a guard rail, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, damage from flooding, damage from a tornado or hurricane and hail damage. The maximum amount 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 removing comprehensive coverage.

Liability car insurance

Liability coverage can cover injuries or damage you cause to a person or their property. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as emergency aid, loss of income and legal defense fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

More quotes mean more savings

Affordable 1997 Honda Passport insurance is available from both online companies and also from your neighborhood agents, so you need to shop insurance with both so you have a total pricing picture. Some insurance providers may not offer online price quotes and usually these smaller providers sell through independent agents.

As you quote insurance, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed full coverage to discover at claim time they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.

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