2022 Honda Passport Car Insurance Rates in 2024 – 10 Savings Tips

Looking for lower auto insurance rates for your Honda Passport? Did budget coverage turn out to be overpriced auto insurance? Don’t feel bad because many consumers are in the same pinch. Online insurance companies like GEICO and Progressive continually hit you with ads and it can be hard to separate fact from fiction and effectively compare rates to find the best deal.

If you have a current car insurance policy or need new coverage, you can follow these tips to shop for the lowest rates while maintaining coverages. Buying car insurance is not that difficult. Drivers only need to know the proper methods to shop for car insurance online.

Auto insurance discounts help reduce rates

Some insurance providers don’t necessarily list all their discounts in an easy-to-find place, so the list below gives a summary of a few of the more well known in addition to some of the lesser obvious credits available to you.

• Theft Prevention Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems help deter theft and will qualify for a discount on a insurance coverage quote.
• Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of more than 20%.
• Pay Now and Pay Less – By making one initial payment instead of monthly or quarterly installments you can actually save on your bill.
• Discount for Multiple Policies – When you combine your auto and homeowners insurance with one company you may save at least 10 to 15 percent or more.
• Drive Safe and Save – Drivers who don’t get into accidents can save as much as half off their rates on Passport insurance than less cautious drivers.
• Organization Discounts – Affiliation with a civic or occupational organization may earn a discount on your policy.
• Lower Rates for Military – Having an actively deployed family member could trigger a small discount.
• Discounts for New Vehicles – Buying insurance coverage on a new vehicle can cost up to 25% less because new model year vehicles are generally safer.
• Accident Waiver – Not a discount per se, but a few companies such as State Farm and GEICO will let one accident slide before they charge you more for coverage so long as you haven’t had any claims for a particular time prior to the accident.
• Paperwork-free – A few larger online companies will provide an incentive for signing up online.

Just know that some of the credits will not apply to the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. So when it seems like you could get a free auto insurance policy, company stockholders wouldn’t be very happy.

A list of companies and some of their more popular discounts are detailed below.

• GEICO has savings for anti-theft, defensive driver, good student, multi-policy, anti-lock brakes, air bags, and driver training.
• SAFECO includes discounts for accident prevention training, teen safe driver, anti-lock brakes, homeowner, anti-theft, and multi-car.
• State Farm discounts include student away at school, accident-free, anti-theft, good student, multiple policy, multiple autos, and driver’s education.
• MetLife may have discounts that include good driver, good student, defensive driver, accident-free, and multi-policy.
• 21st Century offers premium reductions for good student, air bags, defensive driver, early bird, automatic seat belts, and theft prevention.
• Progressive offers discounts including multi-policy, continuous coverage, multi-vehicle, online signing, and homeowner.

When quoting, ask each company what discounts are available to you. Some of the discounts discussed earlier might not be offered in every state. To locate providers with discount auto insurance rates, enter your zip code here.

Which is the best insurance coverage?

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions might point out if your situation would benefit from professional advice.

• Am I covered by my spouse’s policy after a separation?
• Exactly who is provided coverage by my policy?
• Am I covered if hit by an uninsured driver?
• Is my vehicle covered by my employer’s policy when using it for work?
• Do I need added coverage for expensive stereo equipment?
• Am I covered if I wreck a rental car?
• Can I get a multi-policy discount?
• Is my cargo covered for damage or theft?
• Am I covered if I break a side mirror?
• Can my babysitter drive my car?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code. It only takes a few minutes and can provide invaluable advice.

But the ad said I’d save 15% in 15 minutes!

Drivers can’t escape the ads for the lowest price auto insurance by companies like GEICO, State Farm and Progressive. All the ads make the point that drivers will save a bundle if you just switch your coverage.

How is it plausible that every one can lower your car insurance rates?

Auto insurance companies provide the lowest rates for the type of customer that will be a good risk. An example of a preferred risk could possibly be between the ages of 30 and 50, has a clear driving record, and insures a new vehicle. Anybody that matches those criteria will probably get the lowest prices and therefore will save a lot of money.

Potential insureds who are not a match for these stringent criteria will get a more expensive rate with the end result being the prospect going elsewhere. If you pay attention, the ads say “customers who switch” but not “all drivers who get quotes” save that much. This is how companies can make those statements.

This really drives home the point why you need to compare free insurance coverage quotes often. It’s just too difficult to predict the company that will provide you with the cheapest prices.

Learn about auto insurance coverages for a Honda Passport

Having a good grasp of your policy helps when choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and coverage can change by endorsement. Shown next are typical coverage types found on most auto insurance policies.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Honda Passport.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages are set the same as your liability limits.

Collision protection

This pays for damage to your Passport caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a ditch, hitting a mailbox, driving through your garage door, crashing into a building and hitting a parking meter. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, hitting a deer and damage from flooding. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for surgery, hospital visits, prosthetic devices and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability coverages

This will cover damage that occurs to other’s property or people in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as court costs, repair bills for other people’s vehicles, structural damage and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

In Summary

More affordable car insurance is available online and from local agencies, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not provide online quoting and most of the time these small, regional companies provide coverage only through independent agencies.

Throughout this article, we presented quite a bit of information on how to lower your 2022 Honda Passport insurance rates. The key thing to remember is the more price quotes you have, the better your chances of lowering your auto insurance rates. You may even find the lowest priced car insurance comes from the smaller companies. Smaller companies may only write in your state and offer lower auto insurance rates compared to the large companies like State Farm and Allstate.

While you’re price shopping online, make sure you don’t skimp on critical coverages to save a buck or two. In many cases, drivers have reduced collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy enough coverage at the best cost, not the least amount of coverage.