Shoppers have a choice when shopping for the best price on Honda Passport insurance. You can either spend your time struggling with agents to compare prices or use the internet to compare rates.
There are both good and bad ways to shop for car insurance and we’ll show you the best way to get price quotes on a Honda and find the lowest possible price either online or from local insurance agents.
If you currently have a car insurance policy, you stand a good chance to be able to save some money using these tips. This information will help you learn how car insurance quotes work and some money-saving tips. Although consumers do need to know how insurance companies determine prices and take advantage of how the system works.
Cheap car insurance rates with discounts
Buying car insurance is not cheap, but you might be missing out on some discounts to help offset the cost. Certain reductions will be credited at the time of quoting, but some discounts are required to be specially asked for before you will receive the discount.
- Service Members Pay Less – Being deployed in the military could trigger a small discount.
- Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to use their safety belts can save 10% or more off PIP or medical payments premium.
- Safe Driver Discount – Insureds without accidents could pay up to 40% less for Passport coverage compared to accident prone drivers.
- Homeowners Discount – Owning your own home or condo can save a few bucks because of the fact that having a home shows financial diligence.
- Waiver for an Accident – but a handful of insurance companies permit an accident without raising rates if you are claim-free for a particular time prior to the accident.
- Early Switch Discount – Some car insurance companies reward drivers for switching policies before your current policy expires. It could save around 10% when you .
- Discounts for Multiple Vehicles – Drivers who insure several vehicles on one policy can reduce rates for all insured vehicles.
A little note about advertised discounts, some credits don’t apply the the whole policy. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, it doesn’t quite work that way.
To view insurance companies that have a full spectrum of discounts, click here.
There are several ways you can shop for car insurance and some are less labor-intensive and much quicker. You can spend your afternoon talking about coverages with insurance companies in your area, or you can stay home and use the web to get rates in a matter of minutes.
Most of the best insurance companies participate in an industry program where insurance shoppers send in one quote, and each company returns a rated price based on that information. This saves time by eliminating form submissions for every car insurance company. To participate in this free quote system, click here to start a free quote.
The only drawback to using this type of form is that consumers can’t choose which carriers you want pricing from. So if you want to select specific providers to compare, we have assembled a list of the cheapest car insurance companies in your area. Click here to view list.
It doesn’t matter which method you choose, just be sure you’re using apples-to-apples coverages for each quote you get. If your comparisons have different deductibles it’s not possible to get a fair rate comparison. Just slight variations in coverages can make a big difference in price. And when price shopping your coverage, obtaining a wide range of quotes will improve the odds of getting lower pricing.
Car insurance coverage basics
Learning about specific coverages of car insurance can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and coverage can change by endorsement.
Liability coverages
Liability insurance can cover damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.
Liability insurance covers claims like court costs, medical services and structural damage. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Passport.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally these coverages are similar to your liability insurance amounts.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP provide coverage for immediate expenses such as hospital visits, surgery, doctor visits, dental work and nursing services. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage
Collision coverage protection
Collision coverage will pay to fix damage to your Passport resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things such as driving through your garage door, sustaining damage from a pot hole, colliding with a tree, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.
Comprehensive insurance
Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as hitting a deer, rock chips in glass and damage from getting keyed. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Leave no stone unturned
You just learned a lot of techniques to get a better price on Honda Passport insurance. It’s most important to understand that the more companies you get premium rates for, the higher the chance of saving money. Consumers could even find that the lowest auto insurance rates are with some of the lesser-known companies.
When you , you should never buy poor coverage just to save money. There are many occasions where an insured cut liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.
Affordable Honda Passport insurance can be found on the web as well as from independent agents in your state, and you should compare rates from both to have the best chance of lowering rates. Some insurance companies may not provide the ability to get quotes online and most of the time these smaller companies provide coverage only through independent insurance agents.
