Cheap 2024 Honda Passport Car Insurance Quotes

Saving money on insurance coverage could be slightly frustrating for drivers who have little experience comparison shopping online. With so many insurance agents and online companies available, it can turn into a challenge to find the lowest price.

How to get cheap insurance coverage

There are a variety of methods to compare insurance coverage prices but there is one way that is less time-consuming than others. You could spend your day discussing policy coverages with insurance companies in your area, or you could save time and use online quotes to quickly compare rates.

Many companies belong to a marketplace where prospective buyers enter their policy data once, and each company can provide price quotes based on that information. This prevents consumers from doing quote requests to each individual insurance coverage company.

To submit your quote information now, enter your zip code here.

The only drawback to comparing rates this way is you cannot specify which insurance companies to get pricing from. If you would rather choose individual companies to request quotes from, we put together a list of companies who write insurance coverage in your area. Click to enter zip code.

Whichever way you use, make sure you are using apples-to-apples quote information for each quote you get. If you compare higher or lower deductibles it will be nearly impossible to decipher which rate is best. Even a minor difference in insurance coverages may result in a large different in cost. And when comparing insurance coverage rates, know that comparing more quotes helps increase your odds of locating a better price. Some regional insurers cannot provide prices over the internet, so you should also compare price quotes from the smaller companies as well.

Save a ton with discounts

Companies that sell car insurance don’t always publicize all possible discounts very clearly, so the following list contains some of the best known and the harder-to-find insurance savings.

• No Claims – Drivers who don’t have accidents can save substantially as opposed to accident-prone drivers.
• Fewer Miles Equal More Savings – Keeping the miles down on your Honda may allow you to get lower insurance rates due to less chance of an accident.
• Student Discounts – A discount for being a good student may save as much as 25% on a car insurance quote. Earning this discount can benefit you until age 25.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to successfully take a drivers education course if offered at their school.
• ABS Brakes – Vehicles that have steering control and anti-lock brakes prevent accidents so companies give up to a 10% discount.

A quick disclaimer, many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like you can get free auto insurance, insurance companies aren’t that generous. But any discount will help reduce the cost of coverage.

A few popular companies and some of the discounts are included below.

• State Farm may include discounts for Steer Clear safe driver discount, good student, driver’s education, Drive Safe & Save, multiple policy, passive restraint, and multiple autos.
• Progressive offers premium reductions for multi-policy, online signing, online quote discount, continuous coverage, multi-vehicle, homeowner, and good student.
• Progressive discounts include homeowner, online signing, continuous coverage, multi-policy, and good student.
• MetLife has discounts for good driver, multi-policy, good student, claim-free, defensive driver, accident-free
• Farm Bureau may have discounts that include good student, safe driver, multi-policy, driver training, and renewal discount.
• GEICO has savings for federal employee, good student, air bags, anti-lock brakes, daytime running lights, and driver training.
• SAFECO offers discounts for multi-car, anti-theft, teen safe driver, teen safety rewards, bundle discounts, and anti-lock brakes.

Double check with every insurance company which discounts can lower your rates. Some credits might not apply everywhere.

What is the best insurance coverage coverage?

When it comes to choosing the right insurance coverage, there really is no one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that can help discover if your situation might need professional guidance.

• Is pleasure use cheaper than using my 2024 Honda Passport to commute?
• Am I covered when driving a rental car?
• Can I make deliveries for my home business?
• Does my liability insurance cover pulling a trailer or camper?
• Does my 2024 Honda Passport qualify for pleasure use?
• Am I covered if my car is in a flood?
• Do I need higher collision deductibles?
• Do I need rental car coverage?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, complete your zip code.

Why your insurance premiums might be higher

Many factors are part of the calculation when pricing auto insurance. Some factors are common sense like your driving record, but others are not as apparent such as your marital status or your commute time.

Listed below are some of the things companies use to determine premiums.

• Lower comp and collision deductibles cost more – Physical damage deductibles define the amount you are required to spend if you file a covered claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of covered claims are collision with another vehicle, damage caused by hail, and damage caused by road hazards. The larger the amount you choose to pay out-of-pocket, the less money you will pay for insurance coverage on Passport coverage.
• Good drivers pay less – Drivers with clean records get better prices as compared to careless drivers. Only having one ticket could increase your next policy renewal by twenty percent. Drivers who have received license-revoking tickets such as hit and run, DWI or reckless driving convictions might be required by their state to submit a SR-22 form with their state motor vehicle department in order to continue driving.
• Vocation reflects on prices – Occupations such as military generals, social workers and financial analysts usually pay higher average rates because of intense work situations and long work days. Other occupations such as actors, athletes and performers pay the least on Passport coverage.
• Never let your coverage expire – Driving any period of time without insurance is a big no-no and as a result your rates will increase for letting your insurance coverage expire. Not only will rates go up, failure to provide proof of insurance could earn you a license revocation or jail time. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
• Premiums are affected by your address – Living in less populated areas has it’s advantages if you are looking for the lowest rates. Residents of big cities regularly have much more traffic and a longer drive to work. Less people means reduced accidents and also fewer theft and vandalism claims.
• Prevent theft and save money – Choosing to buy a car with a theft deterrent system can help bring down rates. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent auto theft.
• Drive fewer miles and save – The more miles you rack up on your Honda every year the more it will cost to insure it. A lot of insurance companies rate vehicles based upon how much you drive. Autos left parked in the garage get more affordable rates than vehicles that have high annual mileage. Having the wrong rating on your Passport may be costing you higher rates. Verify your insurance coverage policy states how each vehicle is driven, because improper ratings can cost you money.

Coverages available on your policy

Learning about specific coverages of a insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Coverage for collisions

Collision insurance covers damage to your Passport resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a mailbox, crashing into a building, backing into a parked car, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Liability coverage

Liability coverage can cover damage or injury you incur to a person or their property that is your fault. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things such as medical services, funeral expenses, structural damage, attorney fees and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, falling objects, hail damage, a tree branch falling on your vehicle and vandalism. 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 consider dropping full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as funeral costs, doctor visits, prosthetic devices and chiropractic care. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Best coverage at the best price

While you’re price shopping online, never sacrifice coverage to reduce premiums. There have been many situations where someone dropped liability coverage limits and learned later they didn’t have enough coverage. The aim is to purchase plenty of coverage at a price you can afford while still protecting your assets.

Insureds switch companies for any number of reasons including lack of trust in their agent, policy non-renewal, high rates after DUI convictions or delays in responding to claim requests. It doesn’t matter what your reason, finding a new company can be less work than you think.

We just covered a lot of ways to save on 2024 Honda Passport insurance. It’s most important to understand that the more price quotes you have, the higher your chance of finding affordable car insurance. Consumers may even find the lowest rates come from a small mutual company.