Cheapest 1999 Honda Passport Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 2, 2023

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Trying to find cheaper car insurance rates for your Honda Passport? Nobody enjoys paying for car insurance, especially knowing their premiums are too high.

Popular companies such as GEICO and Progressive constantly bombard you with ads and it can be hard to ignore the flashy ads and do the work needed to find the best deal.

It’s important to check car insurance prices once or twice a year since rates fluctuate regularly. Even if you got the lowest price for Passport insurance a year ago a different company probably has better rates today. Starting now, block out anything you think you know about car insurance because you’re going to get a crash course in one of the easiest ways to save on car insurance.

If you are paying for car insurance now, you will be able to cut costs considerably using these methods. Finding the best rates is quite easy. But vehicle owners must comprehend the way companies market on the web and apply this information to your search.

Auto Insurance Prices Online

There are a lot of ways to shop for auto insurance, but one way is less time-consuming than others. You could spend the better part of a day driving to insurance companies in your area, or you could use online quoting to get rates in a matter of minutes.

Most of the best insurance companies are enrolled in a marketplace that enables customers to send in one quote, and at least one company then returns a price quote based on that information. This saves time by eliminating quote requests for each company you want a rate for.

To find out how much you can save on auto insurance click here to open in new window.

The one disadvantage to comparing rates this way is you are unable to specify which carriers to receive prices from. If you wish to select specific providers to compare, we have assembled a list of low cost auto insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just ensure you’re using the exact same coverage information on every quote you get. If you use mixed coverages it will be impossible to decipher which rate is best. Quoting even small variations in coverage limits may result in a large different in cost. And when comparison shopping, getting more free quotes will enable you to find the best price.

Pay less for Honda Passport insurance

The price of auto insurance can be rather high, but discounts can save money and there are some available that you may not know about. Certain discounts will be applied at quote time, but some must be inquired about prior to receiving the credit.

  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • No Claims – Drivers who don’t have accidents pay less when compared to bad drivers.
  • Bundle and Save – If you insure your home and vehicles with one company you may save up to 20% off your total premium.
  • Own a Home – Owning a home can save you money due to the fact that maintaining a home shows financial diligence.
  • Military Discounts – Having a deployed family member may qualify for rate reductions.
  • Air Bag Discount – Vehicles with factory air bags can receive discounts of more than 20%.
  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. The discount lasts up until you turn 25.

Consumers should know that some of the credits will not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky. Any qualifying discounts will help reduce the amount you have to pay.

To see a list of companies who offer insurance discounts, click here to view.

Tailor your coverage to you

When buying proper insurance coverage, there really is no best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions can help discover whether your personal situation will benefit from professional help.

  • Do all my vehicles need collision coverage?
  • If I drive on a suspended license am I covered?
  • Do I have coverage when using my vehicle for my home business?
  • Am I getting all the discounts available?
  • Does insurance cover damages from a DUI accident?
  • How high should my medical payments coverage be?
  • What is PIP insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Car insurance coverages for a Honda Passport

Learning about specific coverages of your auto insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages offered by auto insurance companies.

Comprehensive or Other Than Collision

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

Comprehensive coverage pays for claims like damage from getting keyed, falling objects, fire damage and a tree branch falling on your vehicle. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills like doctor visits, funeral costs and dental work. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This will cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like bail bonds, loss of income and legal defense fees. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as damaging your car on a curb, scraping a guard rail, sideswiping another vehicle, crashing into a building and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Frequently Asked Questions

How can I find cheaper car insurance rates for my 1999 Honda Passport?

To find cheaper car insurance rates for your 1999 Honda Passport, it’s important to shop around and compare quotes from multiple insurance companies. You can use online quoting tools to get rates from different insurers quickly. Make sure to provide the same coverage information on every quote to accurately compare prices.

Are there any discounts available for Honda Passport insurance?

Yes, there are discounts available that can help you save money on your Honda Passport insurance. Some insurance companies offer discounts for factors such as safe driving records, bundling policies, anti-theft devices, and more. It’s worth inquiring about these discounts when getting a quote.

What factors should I consider when tailoring my car insurance coverage for my Honda Passport?

When tailoring your car insurance coverage for your Honda Passport, it’s important to consider factors such as your budget, the value of your vehicle, your driving habits, and your personal needs. You may want to opt for comprehensive coverage, liability coverage, collision coverage, and uninsured/underinsured motorist coverage based on your specific requirements.

What does comprehensive insurance coverage for a Honda Passport include?

Comprehensive insurance coverage for a Honda Passport typically covers damages to your vehicle caused by events other than collision. This may include damage from theft, vandalism, natural disasters, falling objects, and more. It’s important to note that comprehensive coverage usually requires you to pay a deductible before the insurance company covers the remaining damages.

What is liability insurance coverage and how does it protect me?

Liability insurance coverage protects you against claims made by others for damages or injuries they suffer as a result of an accident you caused. It includes bodily injury liability and property damage liability. Bodily injury liability covers medical expenses, lost wages, and other costs associated with injuries to others, while property damage liability covers damages to other vehicles or property. It’s essential to have sufficient liability coverage to protect your assets in case of a lawsuit.

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