2002 Honda Passport Car Insurance Rates – 9 Tips to Save

Want cheaper insurance rates for your Honda Passport? No one looks forward to paying for insurance, in particular when their premiums are through the roof. Companies like State Farm, Geico and Farmers Insurance constantly blast consumers with advertising and consumers find it hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.

Finding Car Insurance Deals

There are a variety of methods to compare 2002 Honda Passport car insurance prices and some are easier and takes less work. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you could use the web to achieve your goal.

Many of the larger companies belong to a marketplace where insurance shoppers enter their coverage request one time, and each company then returns a price quote based on that data. This eliminates the need for quote requests to each company.

To compare 2002 Honda Passport rates now click here to start a free quote.

The only downside to doing it this way is you don’t know exactly which companies to get pricing from. So if you want to select specific insurance companies to receive pricing from, we have assembled a list of companies who write car insurance in your area. Click here for list of insurance companies.

Whichever way you use, ensure you are comparing exactly the same quote information for each price quote. If you use different liability limits then you won’t be able to make an equal comparison.

Save money by taking advantage of these nine discounts

Companies that sell car insurance don’t always advertise all available discounts very well, so we researched both the well known and also the lesser-known insurance coverage savings. If you don’t get every credit possible, you’re just leaving money on the table.

  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount on Passport insurance depending on your company.
  • Resident Student – Youth drivers who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Auto/Home Discount – When you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
  • Accident Free – Claim-free drivers pay less compared to drivers who are more careless.
  • 55 and Retired – Older drivers may receive a discount up to 10% on Passport insurance.

It’s important to understand that some of the credits will not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like you can get free auto insurance, insurance coverage companies aren’t that generous.

Companies that may offer these benefits may include but are not limited to:

Before buying, ask each company which discounts they offer. Discounts might not be offered in your state.

When should I use an insurance agent?

When it comes to choosing adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether or not you would benefit from professional advice.

  • Am I covered if I break a side mirror?
  • Why does it cost so much to insure a teen driver?
  • Do I need an umbrella policy?
  • What if I owe more than I can insure my car for?
  • Is my cargo covered for damage or theft?
  • Is my trailer covered?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Auto insurance coverage specifics

Knowing the specifics of your policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages found on most auto insurance policies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like hospital visits, pain medications, rehabilitation expenses and nursing services. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, hitting a deer, hail damage, fire damage and vandalism. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2002 Honda Passport.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like backing into a parked car, sideswiping another vehicle, scraping a guard rail, colliding with another moving vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Liability coverage

This can cover damage or injury you incur to a person or their property by causing an accident. It protects YOU from claims by 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. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like attorney fees, funeral expenses, pain and suffering, legal defense fees and emergency aid. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

The bottom line

Lower-priced 2002 Honda Passport insurance is attainable from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. Some companies don’t offer online price quotes and many times these smaller companies only sell through independent insurance agents.

When you buy insurance online, you should never sacrifice coverage to reduce premiums. There have been many cases where an insured cut liability limits or collision coverage only to find out that it was a big mistake. The ultimate goal is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

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