Cheap 1999 Honda Passport Insurance Cost

Are you tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as most other car owners.

Many auto insurance companies compete to insure your vehicles, and it can be difficult to compare rates to discover the definitive best rate

Companies offer discounts so take them!

Car insurance companies don’t always advertise every discount in an easy-to-find place, so here is a list both well-publicized as well as the least known ways to save on car insurance.

  • Sign Online – Some insurance companies give back up to $50 simply for signing digitally online.
  • Accident Forgiveness – Certain companies permit an accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% for Passport insurance with certain companies.
  • No Accidents – Drivers who don’t have accidents can save substantially compared to accident-prone drivers.
  • Clubs and Organizations – Being a member of a professional or civic organization is a good way to get lower rates when buying car insurance for Passport insurance.
  • Safety Course Discount – Taking a driver safety course could possibly earn you a 5% discount depending on where you live.
  • Senior Citizens – Mature drivers may qualify for a discount up to 10% for Passport insurance.
  • Air Bag Discount – Vehicles with factory air bags or motorized seat belts can receive discounts of up to 25% or more.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Most only cut specific coverage prices like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck.

For a list of insurers offering car insurance discounts, follow this link.

Comprehensive Insurance Coverage Comparison

There are several ways of comparing rate quotes from insurance coverage companies in your area. The fastest way to find the cheapest 1999 Honda Passport insurance rates is to get quotes online. This can be done in several different ways.

One of the best ways to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do a different quote for every insurance coverage company. A single, simple form gets rate comparisons from insurance coverage companies with the best prices.

A slightly less efficient method to obtain and compare quotes online requires you to visit each company’s website and request a quote. For instance, let’s assume you want comparison quotes from Geico, 21st Century and Allstate. To find out each rate you need to visit each site and enter your information, which is why the first method is more popular.

To view a list of companies in your area, click here.

The most time-consuming method of comparing rate quotes is to spend your day driving to local insurance agencies. The internet can eliminate the need for a local agent unless you prefer the professional guidance only provided by licensed agents. It is possible to price shop online and still use a local agent.

Which method you use is up to you, but ensure you are comparing apples-to-apples coverage information on every quote. If you enter unequal deductibles or liability limits it will be very difficult to truly determine the lowest rate. Having just a slight variation in limits may cause a big price difference. And when comparison shopping, comparing more company’s prices will increase your chances of finding the best offered rates.

Elements that influence Honda Passport insurance rates

Smart consumers have a good feel for the rating factors that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that will entitle you to big savings.

Shown below are some of the items used by your company to calculate prices.

  • High deductibles save money – The deductibles define the amount you are required to spend before your auto insurance pays a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, covers damage that occurs to your car. A few examples of covered claims could be running into the backend of another car, damage caused by hail, and burglary. The more expense you have to pay, the lower your rates will be for Passport insurance.
  • How your age affects price – Mature drivers are viewed as being more responsible, file fewer claims and get fewer tickets. Youthful drivers are statistically proven to be careless and easily distracted in a vehicle therefore auto insurance rates are much higher.
  • Extra coverages can waste money – There are a lot of add-on coverages that can waste your money when buying auto insurance. Coverages like roadside assistance, accident forgiveness and motor club memberships are examples of these. They may seem like a good idea at first, but if you don’t need them get rid of them and save.
  • Theft deterrents lower rates – Owning a car with anti-theft technology or alarm system can help lower your rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft.
  • Always keep insurance in force – Having an insurance coverage lapse is a sure-fire way to bump up your auto insurance costs. Not only will rates go up, getting caught without coverage can result in a license revocation or jail time.
  • High credit ratings translate to low rates – Credit score is a big factor in your rate calculation. Consumers who have high credit scores tend to be less risk to insure than those with poor credit. Therefore, if your credit is low, you could save money insuring your 1999 Honda Passport by repairing your credit.
  • Bad driving skills means higher rates – Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Even one citation can bump up the cost by as much as thirty percent. Drivers with severe tickets like DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.

Do I just need basic coverages?

When choosing proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Each situation is unique so your insurance should reflect that For example, these questions may help highlight whether or not you will benefit from professional help.

  • Am I covered if I hit a deer?
  • How can I find cheaper teen driver insurance?
  • When can my company non-renew my policy?
  • Does my policy pay for OEM or aftermarket parts?
  • Does coverage extend to my business vehicle?
  • How high should deductibles be on a 1999 Honda Passport?
  • Do I have coverage for damage caused while driving under the influence?
  • What if I total my 1999 Honda Passport and owe more than it’s worth?
  • Is business equipment covered while in my vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Specific coverages for a 1999 Honda Passport

Knowing the specifics of a car insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages found on most car insurance policies.

Auto liability – Liability insurance provides protection from damage or injury you incur to people or other property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for claims like legal defense fees, structural damage, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Honda Passport.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for pain medications, chiropractic care and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a mailbox, backing into a parked car, damaging your car on a curb, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive insurance – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, hitting a bird, hail damage and rock chips in glass. The highest amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

More quotes mean more savings

When you buy insurance online, it’s not a good idea to sacrifice coverage to reduce premiums. Too many times, an insured cut full coverage to discover at claim time that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at an affordable rate.

You just learned many ideas to get a better price on 1999 Honda Passport insurance. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. Drivers may discover the best prices are with a lesser-known regional company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like State Farm, Geico and Nationwide.

Cheaper insurance can be sourced online and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance coverage companies do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

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