1998 Honda Passport Insurance Rates

Looking for lower insurance rates for your Honda Passport? Confused by the number of insurance options? Many other drivers are as well. People have so many companies to choose from that it can easily become a lot of work to find lower rates.

Smart consumers take time to compare prices on a regular basis due to the fact that insurance rates go up and down regularly. If you had the lowest rates for Passport coverage a few years ago the chances are good that you can find a lower rate today. So block out anything you think you know about insurance because we’re going to show you one of the easiest ways to reduce your cost while increasing coverage.

Choosing the best insurance company for you is not that difficult. If you currently have car insurance, you will most likely be able to cut costs considerably using these methods. Nevertheless, vehicle owners can benefit by having an understanding of how big insurance companies compete online and take advantage of how the system works.

Insurance Coverage Comparisons

The are a couple different ways of comparing rates from insurance coverage companies in your area. The simplest method to find the lowest 1998 Honda Passport rates is to get quotes online. This is very easy and can be done using a couple different methods.

The best way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This form eliminates the need for separate quote forms to each individual insurance coverage company. Completing one form gets you price quotes from several companies. Just one form and you’re done.

A different way to get quotes online is going to the website for every company you want to comare to complete their respective quote request forms. For sake of this example, let’s say you want comparison quotes from USAA, Allstate and Travelers. To get rate quotes you would need to visit each site and enter your information, and that’s why the first method is more popular.

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

It doesn’t matter which method you choose, just compare the exact same coverages and limits for each comparison quote. If you enter different liability limits you will not be able to truly determine the lowest rate. Slightly different insurance coverages may result in a large different in cost. Just remember that obtaining a wide range of quotes helps you find better pricing.

Save big with these discounts

Companies that sell car insurance do not advertise every available discount in an easy-to-find place, so we break down both the well known and also the lesser-known ways to save on car insurance.

  • No Claims – Claim-free drivers pay less when compared to bad drivers.
  • Resident Student – Kids in college who live away from home without a vehicle on campus can be insured at a reduced rate.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Auto/Life Discount – Some companies give a discount if you purchase auto and life insurance together.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Organization Discounts – Affiliation with a qualifying organization may earn a discount on car insurance for Passport coverage.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Honda can qualify you for better rates on cars that stay parked.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% for Passport coverage with select insurance companies.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can receive discounts of more than 20%.

A little note about advertised discounts, most discounts do not apply to the entire cost. Some only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you could get a free car insurance policy, it just doesn’t work that way.

To see a list of companies with the best car insurance discounts, follow this link.

But I don’t know anything about car insurance

When buying the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different.

These are some specific questions can aid in determining if your situation could use an agent’s help.

  • How can I get my company to pay me more for my totalled car?
  • Can I drive in Mexico and have coverage?
  • Who is covered by my policy?
  • Is my teen driver covered when they drive my company car?
  • Is my babysitter covered when using my vehicle?
  • Will filing a claim cost me more?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I get a pro-rated refund if I cancel my policy early?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form.

Factors influencing Honda Passport insurance rates

Smart consumers have a good feel for the factors that come into play when calculating car insurance rates. Understanding what controls the rates you pay enables informed choices that could result in lower car insurance prices.

The list below includes a partial list of the pieces car insurance companies consider when setting premiums.

  • Do men or women drive better? – Statistics have proven that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. Men and women have accidents in similar percentages, but the men cause more damage. Men also statistically receive more costly citations such as reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and thus pay the highest rates.
  • Poor driving leads to higher costs – Even a single moving violation may increase your cost by twenty percent. Drivers with clean records receive lower rates than bad drivers. Drivers who get serious violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
  • An active claims history can cost you – If you are a frequent claim filer, you can look forward to higher rates. Car insurance companies award discounts to drivers who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of larger claims.
  • Where you live can impact rates – Residing in small towns and rural areas can be a good thing when it comes to car insurance. City drivers tend to have much more traffic and longer commute times. Fewer drivers means fewer accidents as well as less vandalism and auto theft.
  • Drive a safer car and pay less – Cars with high safety ratings get lower rates. These vehicles protect occupants better and any reduction in injury severity means lower claim amounts and thus lower rates. If your Honda Passport scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • With age comes lower rates – Teenage drivers are statistically proven to be careless and easily distracted when behind the wheel so car insurance rates are higher. Older insureds are more cautious drivers, tend to cause fewer accidents and receive fewer citations.
  • Marriage brings a discount – Having a wife or husband can actually save you money on your policy. Having a spouse usually means you are more mature it has been statistically shown that married drivers get in fewer accidents.

Do insurance companies bend the truth?

Insurance providers like 21st Century, Allstate and State Farm continually stream ads in print and on television. They all have a common claim about savings after switching your policy. How does each company say the same thing? This is how they do it.

Different companies can use profiling for the type of driver that earns them a profit. For instance, a desirable insured might be over the age of 40, insures multiple vehicles, and drives less than 7,500 miles a year. Any driver who matches those parameters gets the lowest rates and most likely will pay quite a bit less when switching companies.

Potential customers who do not match the “perfect” profile must pay a higher premium and this can result in business not being written. The ad wording is “customers that switch” not “everyone that quotes” save that much. This is how companies can advertise the savings. This illustrates why drivers must compare as many rates as you can. Because you never know which insurance companies will give you the biggest savings on Honda Passport insurance.

Specific coverage details

Learning about specific coverages of auto insurance can help you determine which coverages you need at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Liability auto insurance

Liability insurance can cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against claims like bail bonds, repair bills for other people’s vehicles, emergency aid, structural damage and medical expenses. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Collision insurance

This pays for 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, colliding with another moving vehicle, hitting a parking meter, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Honda Passport.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses for hospital visits, chiropractic care and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverages

This pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as vandalism, damage from flooding, theft and hitting a bird. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Save your cold hard cash

Discount 1998 Honda Passport insurance is possible from both online companies and also from your neighborhood agents, so you should compare both so you have a total pricing picture. Some car insurance companies may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where an accident victim reduced physical damage coverage to discover at claim time that the savings was not a smart move. Your focus should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

People who switch companies do it for many reasons like unfair underwriting practices, policy cancellation, not issuing a premium refund and an unsatisfactory settlement offer. Whatever your reason, switching companies can be easier than you think.

Additional car insurance information can be read on the following sites: