9 Methods to Save on Honda Passport Insurance

Pricey car insurance can consume your bank account and force you to make sacrifices. Getting a rate comparison is free and is an excellent way to ensure you are getting the best deal.

Big-name insurance companies like GEICO and Progressive all promote huge savings with ad campaigns and consumers find it hard to avoid their marketing magic and do the work needed to find the best deal.

Consumers need to quote other rates on a regular basis because insurance prices are constantly changing. If you had the lowest quotes for Passport coverage last year a different company probably has better rates today. Block out anything you think you know about car insurance because I’m going to teach you the best way to save on car insurance.

If you have insurance now or are looking for a new policy, you can use these tips to find better prices and still get good coverage. Choosing the best insurance company for you is not rocket science. Drivers just need to learn the most effective way to get comparison rates online.

How to lower your car insurance cost

Finding more affordable car insurance quotes is not a difficult process. You just have to spend a few minutes to compare from different insurance companies. It is quite easy and can be accomplished using a couple different methods.

Hands down the most simple method to find low rates is to use a rate comparison form click to view form in new window. This easy form saves time by eliminating separate quotes for every company. In just a few minutes this one form compares rates from car insurance companies with the best prices.
A more difficult way to find better pricing consists of visiting the website for every company you want to comare and request a quote. For instance, we’ll assume you want rates from Allstate, Safeco and Travelers. To do that, you would have to go to every website and type in your information over and over, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.
The last way of getting rate comparisons is making phone calls or going to all the different insurance agencies. Comparing online rate quotes eliminates the need for an insurance agent unless you have a complicated situation and need the trained advice only provided by licensed agents. Some companies do allow you to get prices online but still have the advice of a local agent.

The approach you take is up to you, just make sure you are using the same coverages for every quote you compare. If you enter mixed coverages you will not be able to find the best deal for your Honda Passport.

Get cheap car insurance rates with discounts

Some providers do not list every possible discount in an easy-to-find place, so the next list breaks down a few of the more well known and also the lesser-known discounts you could be receiving when you .

ABS and Traction Control Discounts – Anti-lock brake equipped vehicles are much safer to drive and qualify for as much as a 10% discount.
Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up to age 25.
Driver’s Ed – Have your child enroll in driver’s education as it will make them better drivers and lower rates.
Paperless Signup – Many insurance companies will give you a small discount for signing up digitally online.
Payment Method – By paying your entire bill at once as opposed to paying monthly you can avoid the installment charge.
Low Mileage Discounts – Low mileage vehicles can qualify you for lower car insurancerates due to less chance of an accident.
Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of 25 to 30%.
Accident Forgiveness – This one isn’t a discount, but some insurance companies allow you one accident without raising rates as long as you don’t have any claims prior to the accident.
Responsible Driver Discount – Safe drivers could pay up to 40% less for Passport coverage than their less cautious counterparts.

A quick disclaimer, some of the credits will not apply to the overall cost of the policy. Most only cut specific coverage prices like collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, insurance companies wouldn’t stay in business. Any qualifying discounts will help reduce the amount you pay for coverage.

A list of car insurance companies and some of the premium reductions they offer are included below.

21st Century has discounts for student driver, anti-lock brakes, good student, air bags, teen driver, and defensive driver.
State Farm includes discounts for driver’s education, Drive Safe & Save, accident-free, good driver, defensive driving training, and anti-theft.
AAA discounts include pay-in-full, anti-theft, AAA membership discount, good student, multi-policy, education and occupation, and good driver.
Liberty Mutual offers discounts including new vehicle discount, multi-car, teen driver discount, safety features, hybrid vehicle, good student, and newly married.
Progressive offers premium reductions for continuous coverage, online signing, multi-vehicle, online quote discount, good student, and homeowner.

When comparing rates, check with all companies you are considering what discounts are available to you. Some discounts listed above may not apply to policyholders in every state. To locate insurance companies that offer multiple discounts, click here to view.

What if I want to buy from local insurance agents?

A small number of people still like to get advice from a local agent and that is not a bad decision Most agents can point out coverage gaps and help file insurance claims. One of the great benefits of getting online price quotes is the fact that you can find cheap rate quotes but still work with a licensed agent. Buying from neighborhood agents is still important in smaller communities.

After filling out this simple form, your coverage information is emailed to companies that can provide for your insurance coverage. There is no reason to find an agent since price quotes are sent to you directly. If you wish to compare rates from a specific company, you just need to navigate to their website to submit a rate quote request.

If you want to buy car insurance from a local agent, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Agencies are categorized either captive agents or independent agents. Either can write car insurance policies, but it’s important to point out the difference in how they write coverage since it may influence your selection of an agent.

Independent Agents

These type of agents are not employed by one company so they can write business with an assortment of companies and find you the best rates. If they find a cheaper price, they can switch companies in-house and that require little work on your part. If you are comparing car insurance prices, you will definitely want to include rate quotes from several independent insurance agents to get the best comparison.

Captive Agents

Agents in the captive channel can only provide pricing for a single company and some examples include Farmers Insurance, American Family, State Farm and Allstate. Captives cannot provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. Captive insurance agents are well trained on their company’s products which helps them sell insurance even at higher premiums.

To contact insurance agencies in your neighborhood, you may want to link to this directory of car insurance agencies in your state.

Deciding on an car insurance agent should include more criteria than just the quoted price. Before buying a policy, get answers to these questions.

Does the agent have professional designations like CIC, CPCU or AIC?
How many years have they been established?
What companies can they write with?
Will one accident increase rates?
What are the financial ratings for the companies they represent?
If you raise deductibles, how much can you save?
Do they review policy coverages at every renewal?

Upon receiving good feedback to these questions as well as quotes, you’ve probably found an auto insurance agent that will provide car insurance coverage. But keep in mind you are entitled to cancel your policy whenever you wish so don’t assume that you are obligated to a policy for the full policy term.

Car insurance coverage options for a Honda Passport

Learning about specific coverages of a car insurance policy can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages found on the average car insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims 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, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses for things like prosthetic devices, ambulance fees, hospital visits, chiropractic care and EMT expenses. They are often used to fill the gap from your health insurance program or if you do not have health coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision coverage covers damage to your Passport resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with a tree, hitting a mailbox, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a broken windshield, hitting a deer, falling objects, fire damage and hail damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability insurance protects you from damage or injury you incur to a person or their property 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 commonly see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for claims such as bail bonds, pain and suffering and attorney fees. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Final considerations

Throughout this article, we presented some good ideas how you can lower your Honda Passport insurance rates. The most important thing to understand is the more providers you compare, the better your chances of lowering your auto insurance rates. You may be surprised to find that the best price on car insurance is with the smaller companies. They may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

As you restructure your insurance plan, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice liability coverage limits only to discover later they didn’t purchase enough coverage. Your objective should be to purchase a proper amount of coverage for the lowest cost while still protecting your assets.

Lower-priced Honda Passport insurance can be sourced on the web and with local insurance agents, so you need to with both to have the best chance of lowering rates. A few companies do not offer the ability to get a quote online and many times these small, regional companies work with local independent agents.