Cheapest 2002 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 6, 2023

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Want the cheapest car insurance rates? Drivers have options when trying to find the best price on Honda Passport insurance. You can either waste hours struggling with agents getting price quotes or leverage the internet to get rate quotes.

There are both good and bad ways to buy car insurance and you need to know the best way to price shop coverage for a Honda and get the cheapest rates either online or from local insurance agents.

This article will help you learn the most effective way to quote insurance and some tricks to saving. If you are paying for car insurance now, you will be able to save some money using this strategy. Consumers only need to know the best way to shop for insurance over the internet.

Finding Insurance Coverage Deals

Getting a cheaper price on 2002 Honda Passport insurance is not rocket science. Just spend a few minutes on the computer getting comparison quotes provided by online insurance companies. This can be accomplished in a couple of different ways.

  1. One of the simplest ways to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This type of form prevents you from having to do separate quote forms for every insurance coverage company. A single form compares rates from insurance coverage companies with the best prices.It’s the quickest way to get rates.
  2. A harder way to get quotes online requires a visit to each individual company website and request a quote. For sake of this example, let’s say you want rates from GEICO, 21st Century and American Family. You would have to go to every website to enter your coverage information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The least efficient way to get comparison rates is driving around to different agent offices. The ability to buy insurance online can eliminate the need for a local agent unless you prefer the professional advice of a local agent. However, consumers can compare the best prices online but buy from a local insurance agent and we’ll touch on that later.

It’s up to you how you get prices quotes, just make sure you use exactly the same deductibles and coverage limits with each company. If you use mixed coverages you can’t possibly make an equal comparison.

Discounts can save BIG

Insurance can cost an arm and a leg, but you can get discounts that many people don’t even know exist. Most are applied when you complete an application, but a few need to be requested specifically before you get the savings. If they aren’t giving you every credit available, you are throwing money away.

  • Accident Waiver – Certain companies allow you one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts could save 15% off the personal injury premium cost.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Distant Student – Any of your kids who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.

Consumers should know that some of the credits will not apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, it doesn’t quite work that way. Any amount of discount will bring down your overall premium however.

Companies who might offer these benefits include:

It’s a good idea to ask each insurance company which discounts they offer. Some discounts may not be available in your area.

Will just any policy work for me?

When it comes to buying proper insurance coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover whether you might need professional guidance.

  • Is my teenager covered with friends in the car?
  • What is the ISO rating for a 2002 Honda Passport?
  • What is covered by UM/UIM coverage?
  • Is my teen driver covered when they drive my company car?
  • Can my babysitter drive my car?
  • What is the minimum liability in my state?
  • Is motorclub coverage worth it?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Detailed coverages of your car insurance policy

Having a good grasp of car insurance can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

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

Collision coverage pays for things like driving through your garage door, colliding with a tree, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Honda Passport.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for liability – Liability coverage will cover damages or injuries you inflict on other people or property. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as attorney fees, funeral expenses, repair bills for other people’s vehicles, bail bonds and loss of income. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for doctor visits, hospital visits and ambulance fees. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your 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

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hail damage, a tree branch falling on your vehicle and damage from flooding. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Frequently Asked Questions

How can I get the cheapest auto insurance rates for a 2002 Honda Passport in 2023?

To find the cheapest auto insurance rates for a 2002 Honda Passport, you can use online insurance companies and get comparison quotes. Spend a few minutes on the computer and enter your ZIP code to view companies that offer cheap auto insurance rates.

Are there any discounts available for auto insurance?

Yes, there are discounts available that can help you save on auto insurance. These discounts are often applied when you complete an application, but some may need to be specifically requested. Make sure to ask each insurance company about the discounts they offer. Some common discounts include safe driver discounts, multi-policy discounts, and good student discounts.

Is there a single insurance plan that fits everyone?

No, there is no single insurance plan that fits everyone. The insurance coverage you need depends on your specific circumstances and needs. It’s recommended to assess your needs and consider factors such as your driving habits, the value of your vehicle, and your financial situation. If you’re unsure about the coverage you need, consider talking to an insurance agent who can provide professional guidance.

How much liability coverage should I purchase?

The amount of liability coverage you should purchase is a personal decision. It’s recommended to purchase as much liability coverage as you can afford. Liability coverage is relatively inexpensive compared to other coverages, and having higher limits can provide better protection in case of a major accident. Consider your assets and the potential risks involved to determine the appropriate amount of liability coverage for your situation.

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