Cheap 1999 Honda Passport Car Insurance Quotes

Drivers have options when trying to find affordable Honda Passport insurance. They can either spend hours contacting agents trying to get quotes or leverage the internet to get rate quotes.

There are more efficient ways to buy car insurance and you need to know the quickest way to price shop coverage for a Honda and get the lowest price from both online companies and local agents.

This article will teach you how car insurance quotes work and some tips to save money. If you currently have car insurance, you will most likely be able to lower your premiums substantially using these tips. Consumers just need to know the tricks to get comparison quotes online.

Verify you’re applying every discount

Some insurers don’t always publicize every policy discount very clearly, so here is a list some of the best known in addition to some of the lesser obvious credits available to you.

  • Distant College Student Discount – College-age children who are attending college and don’t have a car may qualify for this discount.
  • Professional Memberships – Being a member of certain professional organizations could qualify you for a break on your next renewal.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase some life insurance in addition to your auto policy.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but certain companies will allow you to have one accident without getting socked with a rate hike if you are claim-free for a set time period.
  • Discounts for Government Workers – Simply working for the federal government could cut as much as 10% off for Passport insurance depending on your company.

Policy discounts save money, but most credits do not apply to the entire policy premium. The majority will only reduce specific coverage prices like medical payments or collision. Even though it appears you would end up receiving a 100% discount, nobody gets a free ride. Any amount of discount should help reduce your overall premium however.

Popular insurance coverage companies and a partial list of their discounts can be found below.

  • Progressive may include discounts for homeowner, online signing, multi-policy, continuous coverage, and multi-vehicle.
  • Farmers Insurance has discounts for good student, alternative fuel, business and professional, teen driver, electronic funds transfer, and distant student.
  • Farm Bureau has savings for 55 and retired, youthful driver, multi-policy, renewal discount, good student, and safe driver.
  • State Farm offers discounts including passive restraint, Steer Clear safe driver discount, anti-theft, safe vehicle, and Drive Safe & Save.
  • Geico includes discounts for seat belt use, federal employee, anti-theft, emergency military deployment, and driver training.
  • SAFECO policyholders can earn discounts including teen safety rewards, accident prevention training, bundle discounts, multi-car, and teen safe driver.
  • Liberty Mutual may offer discounts for new move discount, teen driver discount, new graduate, safety features, and newly married.

If you need lower rates, check with each company or agent what discounts are available to you. All car insurance discounts might not be available to policyholders in your state. For a list of insurance coverage companies with discount insurance coverage rates, click here.

Insurance premium influencing factors

Many things are taken into consideration when premium rates are determined. Most are fairly basic like your driving record, although others are more obscure such as your marital status or your commute time.

  • Occupation stress can affect premiums – Occupations like fire fighterspolice officers and financial analysts generally pay higher rates than average in part from intense work-related stress and lengthy work days. On the other hand, professions such as farmers, historians and performers have lower than average premiums for Passport insurance.
  • Single drivers take more risk – Your spouse helps lower the price when buying insurance. Having a significant other translates into being more mature than a single person and it’s proven that married couples file fewer claims.
  • Cheaper rates with high coverage deductibles – Physical damage insurance, also called comprehensive and collision insurance, is used to repair damage to your Honda. Examples of covered claims are a dented fender, collision with an animal, and burglary. Comp and collision deductibles tell how much you are required to spend if the claim is covered. The higher the amount the insured has to pay upfront, the lower your rates will be for Passport insurance.
  • Use credit responsibly and save – Credit score is likely to be a major factor in determining what you pay for insurance. Insureds with excellent credit tend to file fewer claims as compared to drivers with poor credit scores. If your credit history can be improved, you could save money insuring your 1999 Honda Passport by improving your rating.
  • Too many insurance claims will drive premiums up – Auto insurance companies award most affordable rates to policyholders who only file infrequent claims. If you tend to file frequent claims, you can pretty much guarantee higher premiums or even policy non-renewal. Your insurance policy is meant to be used in the event of more catestrophic claims.
  • How your age affects costs – Youthful drivers have been known to get distracted easily in a vehicle so insurance rates are higher. Older insureds tend to be more responsible, cause fewer claims and accidents and are safer drivers.
  • Rental and towing coverage may not be needed – There are a lot of extra coverages that sound like a good idea at the time on your insurance policy. Coverage for things like replacement cost coverage, death and dismemberment, and extra equipment coverage may be wasting your money. They may sound like good ideas when you first buy your policy, but your money might be better spent on other coverage so think about removing them and cutting costs.

When should I discuss my situation with an agent?

When it comes to buying adequate coverage, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining whether or not you would benefit from professional advice.

  • Does having multiple vehicles earn me a discount?
  • Is my babysitter covered when using my vehicle?
  • Is motorclub coverage worth it?
  • How can I get high-risk coverage after a DUI?
  • Are rental cars covered under my policy?
  • Do I have coverage when making deliveries for my home business?
  • Is my custom paint covered by insurance?
  • What companies insure drivers after a DUI or DWI?
  • Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance ads bend the truth

Drivers constantly see and hear ads that claim the lowest premium rates by Progressive, Geico, Allstate and State Farm. They all seem to state the claim that you can save if you just switch your coverage to them.

It sounds good, but how can they all say the same thing? This is the trick they use.

Companies give the best rates for the type of customer that will generate a profit. One example of this type of driver could possibly be between the ages of 30 and 45, insures multiple vehicles, and drives a safe vehicle. Anybody who fits that profile receives the best premium rates and therefore will save a lot if they switch.

Drivers who are not a match for this ideal profile may be required to pay a more expensive rate and ends up with the customer buying from someone else. Company advertisements say “drivers that switch” not “all people who quote” save that much when switching. That’s why companies can truthfully make those claims.

Each company has different criteria, so you need to get a wide range of price quotes. It is impossible to guess which car insurance company will have the lowest prices for your situation.

Car insurance coverage information

Having a good grasp of your policy helps when choosing the right coverages for your vehicles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive auto coverage – Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hail damage and a broken windshield. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability – This can cover damages or injuries you inflict on other people or property. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which means 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. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things like bail bonds, repair costs for stationary objects, funeral expenses and legal defense fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage – This coverage will pay to fix damage to your Passport caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a mailbox, backing into a parked car, sustaining damage from a pot hole, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for ambulance fees, hospital visits and nursing services. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

A fool and his money are soon parted

Throughout this article, we presented a lot of tips how to compare 1999 Honda Passport insurance rates online. The key thing to remember is the more price quotes you have, the better likelihood of getting cheap insurance coverage. Consumers could even find that the lowest priced insurance coverage comes from some of the lesser-known companies.

When trying to cut insurance costs, make sure you don’t buy poor coverage just to save money. There have been many cases where an accident victim reduced full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to buy enough coverage at an affordable rate but still have enough coverage for asset protection.

A few companies do not offer online price quotes and many times these smaller companies prefer to sell through independent insurance agencies. The cheapest 1999 Honda Passport insurance can be found online in addition to local insurance agencies, so you should be comparing quotes from both to have the best selection.

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