Save on 1998 Honda Passport Insurance Cost

Want cheaper car insurance rates for your Honda Passport? Nobody looks forward to buying car insurance, especially knowing the cost is too high.

Many insurance companies compete to insure your vehicles, so it can be very hard to choose a insurer to discover the definitive lowest cost out there.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this strategy. Finding the best rates is quite easy. Although car owners can benefit by having an understanding of how companies price insurance differently and apply this information to your search.

The best way we recommend to compare policy rates is to know the fact most larger insurance companies pay for the opportunity to compare rate quotes. To get started, all you need to do is give them some information including whether or not you need a SR-22, your education level, daily mileage, and the ages of drivers. Your details is sent automatically to many highly-rated insurers and you should receive rate quotes instantly to find the best rate.

To start a quote now, click here and see if a lower rate is available.

Discounts on 1998 Honda Passport insurance

Insuring your fleet can be pricey, but there are discounts available to cut the cost considerably. Certain discounts will be applied when you purchase, but a few must be specifically requested before they will apply.

  • Discount for New Cars – Adding a new car to your policy can save up to 30% since new cars are generally safer.
  • Accident Waiver – Some insurance companies allow you one accident before raising your premiums if your claims history is clear for a set time period.
  • Discount for Life Insurance – Select insurance companies reward you with better rates if you take out life insurance.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • E-sign – Certain companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Safety Course Discount – Completing a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Own a Home – Owning a house can help you save on insurance coverage due to the fact that maintaining a home requires personal responsibility.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce specific coverage prices like comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way. Any qualifying discounts will reduce the amount you have to pay.

To see a list of providers offering insurance coverage discounts, click here to view.

Tailor your coverage to you

When buying coverage for your personal vehicles, there is no “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that For example, these questions might help in determining if your situation will benefit from professional help.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I buy additional glass protection?
  • What is high-risk coverage and where do I buy it?
  • How do I insure my teen driver?
  • Which companies will insure high-risk drivers?
  • Will my insurance pay for OEM parts?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my teenager covered with friends in the car?
  • Should I carry comprehensive and collision coverage?

If you can’t answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

What insurance coverages do you need?

Learning about specific coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages available from insurance companies.

Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

Auto liability – This coverage provides protection from damage or injury you incur to people or other property that is your fault. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like medical expenses, attorney fees, court costs and emergency aid. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for expenses for nursing services, surgery and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from getting keyed, hail damage, a tree branch falling on your vehicle, hitting a bird and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – Collision insurance covers damage to your Passport 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 protects against things like rolling your car, hitting a parking meter, sideswiping another vehicle, driving through your garage door and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.