Save on 2002 Honda Passport Insurance Quotes

Want cheaper auto insurance rates for your Honda Passport? Nobody I know is fond of buying auto insurance, especially knowing the cost is way too high.

Lots of insurers contend for your hard-earned dollar, so it’s not easy to compare every company to get the lowest cost out there.

The fastest way that we advise to compare car insurance company rates is to understand most larger insurance companies participate in online systems to quote your coverage. To start a quote, the only thing you need to do is provide information such as coverage limits, whether you drive to work or school, if you’re married, and if the car is leased. Your rating data is instantly provided to insurance carriers in your area and you will get price comparisons with very little delay.

If you would like to compare rates now, click here and complete the quick form.

Slash your auto insurance rates with discounts

Car insurance can cost a lot, but you might be missing out on some discounts to reduce the price significantly. Certain reductions will be credited when you complete an application, but some must be specially asked for prior to receiving the credit.

  • Low Miles Discount – Keeping the miles down on your Honda can qualify you for substantially lower prices.
  • Professional Memberships – Being a member of qualifying employment or professional organizations could qualify you for a break when getting a auto insurance quote.
  • Mature Driver Discount – Drivers that qualify as senior citizens may qualify for a discount up to 10% on Passport insurance.
  • Student Driver Training – It’s a good idea to have your young drivers complete a driver education course if offered at their school.
  • Active Service Discounts – Having a family member in the military could be rewarded with lower premium rates.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • E-sign – Many insurance companies provide a small discount for signing up over the internet.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. The discount lasts until age 25.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

For a list of companies that offer the discounts shown above, click this link.

You are unique and your insurance coverage should be too

When choosing adequate coverage, there is no best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that might point out if your situation would benefit from an agent’s advice.

  • How much liability insurance is required?
  • What vehicles should carry emergency assistance coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Who is covered by my policy?
  • Am I covered when driving a rental car?
  • Can I get a multi-policy discount?
  • What is the difference between comprehensive and collision coverage?
  • When can my company non-renew my policy?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

How do insurance providers determine Honda Passport insurance prices?

An important part of buying insurance is that you know a few of the rating criteria that play a part in calculating the level of your policy premiums. When you understand what influences your rates, this enables you to make decisions that will entitle you to cheaper rates.

The list below includes just a few of the factors used by your company to calculate premiums.

  • Where you live – Choosing to live in smaller towns and rural areas of the country may provide you with better prices when insuring your vehicles. Less people living in that area translates into fewer accidents and a lower car theft rate. People in densly populated areas regularly have traffic congestion and more severe claims. The longer drive time means more chances of being involved in an auto accident.
  • How credit rating affects insurance coverage costs – An insured’s credit score is likely to be a major factor in determining what you pay for insurance coverage. Drivers with very good credit scores tend to be more responsible and file fewer claims than drivers who have poor credit. If your credit history can use some improvement, you could save money insuring your 2002 Honda Passport by improving your rating.
  • How much liability coverage – Liability coverage kicks in if ever you are ruled to be at fault for causing personal injury or damage in an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
  • Poor driving habits leads to higher rates – Even a single speeding ticket can increase the cost of insurance twenty percent or more. Drivers with clean records receive lower rates as compared to careless drivers. Drivers with flagrant violations such as DUI, reckless driving or excessive speeding may find they need to file a proof of financial responsibility form (SR-22) with their state in order to continue driving.
  • Buy a safe car and pay less – Safe vehicles cost less to insure. The safest vehicles reduce the chance of injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims which can result in lower premiums. If the Honda Passport is rated at a minimum four stars on Safercar.gov you are probably receiving a discount.
  • Do you really need to file that insurance coverage claims? – If you tend to file frequent claims, you should expect either a policy non-renewal or much higher rates. Car insurance companies generally give better rates to people who do not rely on their insurance for small claims. Your car insurance is intended for claims that pose a financial burden.

Information about specific coverages

Having a good grasp of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types available from auto insurance companies.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as ambulance fees, chiropractic care, prosthetic devices, surgery and funeral costs. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Auto liability insurance

Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. It protects YOU from claims by other people, and 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 commonly see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like funeral expenses, medical services, bail bonds, repair costs for stationary objects and court costs. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, fire damage and vandalism. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for collisions

Collision insurance covers damage to your Passport caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as driving through your garage door, backing into a parked car, sideswiping another vehicle, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

In conclusion

In this article, we covered many ways to compare 2002 Honda Passport insurance rates online. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the most savings is with an unexpected company. These companies often have lower car insurance rates on specific markets compared to the large companies like Progressive and Geico.

While you’re price shopping online, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced collision coverage only to regret at claim time that the savings was not a smart move. Your goal should be to get the best coverage possible at an affordable rate, but do not sacrifice coverage to save money.

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