1997 Honda Passport Car Insurance Cost

Searching for better auto insurance rates for your Honda Passport? Buying the lowest cost auto insurance over the internet can seem to be difficult for consumers new to online price comaprisons. With so many choices of companies in the marketplace, how can drivers effectively compare them all to find the lowest price?

If you are paying for car insurance now, you will be able to cut costs considerably using these tips. This article will instruct you on how car insurance quotes work and some money-saving tips. Although vehicle owners must learn the way insurance companies price insurance differently and take advantage of how the system works.

The quickest way to compare insurance rates from multiple companies is to realize most larger insurance companies provide online access to provide you with free rate quotes. The only thing you need to do is take a few minutes to give details including whether or not you need a SR-22, types of safety features, your job, and marital status. That rating information gets transmitted to insurance carriers in your area and you should receive rate quotes immediately.

Save big with these discounts

Companies offering auto insurance don’t list all available discounts very well, so here is a list some of the best known and also the lesser-known ways to save on auto insurance.

  • Federal Government Employee – Being employed by or retired from a federal job may qualify you for a discount for Passport insurance with certain companies.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less for Passport insurance than their less cautious counterparts.
  • No Charge for an Accident – Certain companies will forgive one accident without raising rates if your claims history is clear for a set time period.
  • Student in College – Children who are attending college and do not have a car may be able to be covered for less.
  • New Car Discount – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Early Switch Discount – Select companies give a discount for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Life Insurance – Some companies give better rates if you take out a life insurance policy as well.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts can get savings of 20% or more.

Keep in mind that some of the credits will not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, companies don’t profit that way.

To see a list of companies who offer auto insurance discounts, follow this link.

Factors influencing Honda Passport insurance rates

Smart consumers have a good feel for the factors that come into play when calculating the price you pay for car insurance. Understanding what determines base rates enables informed choices that will entitle you to big savings.

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

  • How your age affects price – Teenage drivers are known to be more careless when driving so car insurance rates are higher. Having to add a teenage driver to your policy can really hurt. More mature drivers are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets.
  • Do you know you’re credit rating? – Your credit score is a huge factor in determining your rates. Therefore, if your credit rating is lower than you’d like, you could save money insuring your 1997 Honda Passport by repairing your credit. People with high credit ratings tend to be more responsible than drivers with poor credit.
  • Where you live is a factor – Residing in a small town can be a good thing when talking about car insurance. Fewer people means a lower chance of having an accident. City drivers have much more traffic to deal with and longer commute times. More time commuting means higher likelihood of an accident.
  • Having a spouse can save you money – Having a spouse helps lower the price on car insurance. Having a spouse is viewed as being more mature than a single person and statistics show married couples file fewer claims.
  • How’s your driving record? – Your driving citation history has a huge affect on how much you pay. Good drivers receive lower rates than people who have multiple driving citations. Only having one citation can increase rates forty percent or more. Drivers who have severe citations such as DWI, reckless driving or hit and run convictions may need to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
  • Don’t let your coverage lapse – Driving without insurance is illegal and you will pay a penalty because you let your coverage lapse. Not only will rates go up, failure to provide proof of insurance may earn you a steep fine or even jail time.You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.

But I don’t know anything about car insurance

When buying proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every insured’s situation is different.

For example, these questions can aid in determining if your insurance needs would benefit from professional advice.

  • Why is insurance for a teen driver so high?
  • Does insurance cover tools stolen from my truck?
  • Do I benefit by insuring my home with the same company?
  • When does my teenage driver need to be added to my policy?
  • Can I get a multi-policy discount?
  • Am I covered if hit by an uninsured driver?
  • When do I need to add a new car to my policy?
  • How do I insure my teen driver?

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 a licensed agent. To find lower rates from a local agent, fill out this quick form.

Insurance policy coverages for a 1997 Honda Passport

Knowing the specifics of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Liability – This will cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as bail bonds, attorney fees and legal defense fees. How much coverage you buy is your choice, but buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage 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 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 is very important.

Comprehensive insurance – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as fire damage, damage from getting keyed and hail damage. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like dental work, chiropractic care, surgery, EMT expenses and nursing services. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision – This coverage pays for damage to your Passport resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a parking meter, crashing into a building, backing into a parked car, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Final considerations

When you buy insurance online, do not skimp on coverage in order to save money. There are a lot of situations where an insured cut liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage at the best price, not the least amount of coverage.

In this article, we covered some good ideas how to get a better price on 1997 Honda Passport insurance. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even discover the most savings is with the least-expected company.

Budget-conscious insurance is available online and with local insurance agents, so compare prices from both to have the best selection. Some insurance providers do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

Additional car insurance information is located below: