1996 Honda Passport Car Insurance Quotes

Nobody I know looks forward to buying insurance coverage, especially when the cost is way too high. Companies like Geico, 21st Century and Progressive persitently shower you with TV and radio ads and it can be hard to ignore the propoganda and find the best price available.

Save big with these discounts

Companies don’t necessarily list every discount in an easy-to-find place, so here is a list some of the best known and the more hidden savings tricks you should be using. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • E-sign – Certain companies will discount your bill up to fifty bucks for buying your policy online.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on Passport coverage with select insurance companies.
  • Multi-policy Discount – When you have multiple policies with one company you may earn approximately 10% to 15%.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.
  • No Accidents – Drivers who don’t have accidents can earn big discounts compared to frequent claim filers.
  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.

Drivers should understand that some of the credits will not apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, you’re out of luck.

Insurance companies who might offer these discounts may include but are not limited to:

Check with each insurance company what discounts are available to you. Savings may not be available in your area.

Automobile Insurance Quotes

Cutting your insurance coverage rates can be relatively painless. Drivers just need to spend a little time to compare quotes online with multiple companies. This is very easy and can be done in a couple of different ways.

  • One of the simplest ways to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This method prevents you from having to do boring form submissions for every insurance coverage company. One simple form will return price quotes from several companies.
  • A more difficult way to obtain and compare quotes online consists of visiting each company website to complete their respective quote request forms. For instance, let’s assume you want to compare USAA, State Farm and American Family. To find out each rate you need to go to every website and enter your policy data, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  • The least efficient way to compare rates is driving to and from local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you want the trained guidance that only a license agent can provide. However, consumers can compare online quotes but buy from a local insurance agent and we’ll cover that in a bit.

Whichever method you choose, compare exactly the same information with every price quote. If the quotes have differing limits it will be next to impossible to make an equal comparison.

But I don’t know anything about car insurance

When buying the best auto insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. These are some specific questions can help discover whether your personal situation will benefit from professional help.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I really need UM/UIM coverage?
  • Do I need motorclub coverage?
  • Am I better off with higher deductibles on my 1996 Honda Passport?
  • Is my camper covered by my car insurance policy?
  • Why am I required to get a high-risk car insurance policy?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered if I wreck a rental car?
  • Does insurance cover tools stolen from my truck?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Car insurance 101

Learning about specific coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by insurance companies.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Honda Passport.

Because many people 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.

Liability coverages – Liability coverage will cover damage that occurs to people or other property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

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. As an example, you may have policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like court costs, emergency aid and medical expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive (Other than Collision) – This covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, hitting a bird, theft, vandalism and damage from getting keyed. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with a tree, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Medical expense insurance – Med pay and PIP coverage reimburse you for short-term medical expenses such as nursing services, pain medications and surgery. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Final thoughts

We just presented many ideas to shop for 1996 Honda Passport insurance online. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. Consumers could even find that the lowest priced insurance coverage comes from an unexpected company. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as Allstate and Progressive.

As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped liability limits or collision coverage to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Cost effective insurance can be bought both online and with local insurance agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who do not offer online quoting and these regional insurance providers work with independent agents.

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