2019 Honda Passport Insurance Quotes in 2024 – 8 Ideas for Best Rates

Feel like you have an underperforming, overpriced insurance coverage policy? Trust us when we tell you there are many consumers feeling the pinch from expensive insurance coverage.

Multiple auto insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare car insurance companies and uncover the absolute lowest price

Quote insurance online

There are multiple methods you can shop for insurance but one way is easier and takes less work. You could spend your day talking to agents in your area, or you can utilize online quoting for quick rates.

Most car insurance companies participate in an industry program that allows shoppers to send in one quote, and every company can give them a price based on the submitted data. This system prevents you from having to do quote requests for every insurance company.

To find out how much you can save on insurance enter your zip code here.

The only drawback to using this type of form is buyers cannot specifically choose the companies you want pricing from. So if you prefer to pick from a list of companies for rate comparison, we put together a list of low cost insurance companies in your area. Click to enter zip code.

Compare rates however you want, just be certain you are entering equivalent coverage information for each comparison quote. If you have different liability limits then you won’t be able to determine which rate is truly the best. Quoting even small variations in limits may cause a big price difference. And when quoting insurance, remember that comparing more quotes will increase your chances of finding better pricing. Some smaller insurers to not give prices over the internet, so you also need to get price quotes on coverage from those companies, too.

Lower rate quotes by taking advantage of these eight discounts

Properly insuring your vehicles can get expensive, but there may be some discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but some discounts are required to be asked for in order for you to get them.

• Military Rewards – Having a deployed family member may qualify for rate reductions.
• Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
• Responsible Driver Discounts – Drivers who don’t get into accidents may receive a discount up to 45% on Passport coverage compared to accident prone drivers.
• Good Student – A discount for being a good student may save you up to 25%. Many companies even apply the discount to college students well after school through age 25.
• Air Bags and Passive Restraints – Cars that have air bags and/or automatic seat belt systems could see savings up to 30%.
• Homeowners Pay Less – Owning your own home or condo may earn you a small savings since home ownership shows financial diligence.
• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use a seat belt can save a little off the PIP or medical payment premium.
• 55 and Retired – Seniors may be able to get reduced rates on Passport coverage.

As a sidenote, most discount credits are not given to the entire cost. Most only reduce the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like you could get a free insurance policy, insurance companies wouldn’t stay in business.

A few popular companies and their possible discounts are shown below.

• State Farm offers discounts including defensive driving training, Drive Safe & Save, accident-free, anti-theft, driver’s education, Steer Clear safe driver discount, and multiple policy.
• Farmers Insurance may include discounts for teen driver, business and professional, youthful driver, early shopping, homeowner, and pay in full.
• GEICO policyholders can earn discounts including military active duty, multi-policy, good student, five-year accident-free, daytime running lights, and seat belt use.
• American Family offers discounts for accident-free, multi-vehicle, mySafetyValet, air bags, good student, defensive driver, and Steer into Savings.
• Nationwide may offer discounts for anti-theft, easy pay, Farm Bureau membership, family plan, business or organization, defensive driving, and good student.
• Progressive has savings for multi-policy, online signing, homeowner, continuous coverage, good student, online quote discount, and multi-vehicle.

If you need low cost insurance coverage quotes, ask every insurance company how you can save money. A few discounts may not be offered in your area.

How much car insurance do I need?

When it comes to buying adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions might help in determining if your insurance needs might need an agent’s assistance.

• How many claims can I have before being cancelled?
• Does medical payments coverage apply to all occupants?
• Does my policy cover my teen driver if they drive my company car?
• What is UM/UIM insurance?
• Is business property covered if stolen from my car?
• Am I covered when delivering products for my home-based business?
• Which companies will insure high-risk drivers?
• Do I need replacement cost coverage on my 2019 Honda Passport?
• Am I covered if I break a side mirror?
• Who is covered by my policy?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out your zip code.

Save $401 a year? Really?

Companies like GEICO, State Farm and Progressive regularly use television and radio advertisements. All the companies seem to make the promise that people will save if you get a free insurance coverage quote and switch to their company. Is it even possible that every company can claim to save you money? This is the way they can do it.

Most companies quote their cheapest rates for the right customer that will not have excessive claims. One example of a desirable insured should be a mature driver, has never had a policy lapse, and the vehicle is rated for pleasure use. Any customer that meets those criteria will qualify for the lowest premium rates and will probably save a lot of money.

Drivers who do not fit the requirements will be charged a higher premium which leads to the customer buying from a different company. The ads state “customers who switch” not “all people who quote” can save as much as they claim. That’s why companies can advertise the savings.

This illustrates why you absolutely need to do a quote comparison often. You cannot predict which insurance company will give you the biggest savings.

Insurance policy coverages for a 2019 Honda Passport

Having a good grasp of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. These are typical coverage types found on most insurance policies.

Collision insurance

This pays for damage to your Passport from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like scraping a guard rail, driving through your garage door, crashing into a ditch, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as fire damage, damage from getting keyed, hail damage and a tree branch falling on your vehicle. The maximum payout a 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.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants 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. So UM/UIM coverage is a good idea. Most of the time these limits are set the same as your liability limits.

Coverage for liability

This can cover damage that occurs to other’s property or people in an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

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 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like funeral expenses, court costs, structural damage, repair costs for stationary objects and emergency aid. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses like rehabilitation expenses, ambulance fees, doctor visits, pain medications and X-ray expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

A tidy conclusion

While you’re price shopping online, don’t be tempted to reduce coverage to reduce premium. There have been many cases where an accident victim reduced collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase plenty of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Cheaper car insurance can be purchased from both online companies in addition to many insurance agents, so you need to quote insurance coverage with both to have the best selection. A few companies do not provide rate quotes online and many times these regional carriers only sell coverage through independent agents.