Lower Your 2021 Honda Passport Insurance Quotes in 2024

Finding cheaper insurance for a new or used Honda Passport can be an all-consuming task, but you can learn our insurance coverage buying tips and make it easy.

There are both good and bad ways to shop for insurance coverage and we’ll show you the absolute fastest way to quote coverages for your Honda and locate the cheapest rates either online or from local insurance agents.

Consumers should take time to compare prices yearly due to the fact that insurance prices trend upward over time. If you had the best deal for Passport coverage a few years ago there may be better deals available now. Block out anything you think you know about insurance coverage because I’m going to teach you the quickest way to save on insurance coverage.

Save a ton by receiving discounts

Insurance can be prohibitively expensive, but there’s a good chance there are discounts to cut the cost considerably. Some of these discounts will be visible when you complete an application, but once in a while a discount must be requested specifically prior to receiving the credit.

• Multiple Policy Discount – When you have multiple policies and insure them both with the same insurance company they may give you a discount of up to 20% and get you the cheapest auto insurance.
• Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can receive discounts as much as 30%.
• Early Renewal Discounts – A few insurance companies give discounts for switching policies before your current policy expires. You could save around 10% when you buy auto insurance online.
• Homeowners Savings – Just owning your own home may trigger a policy discount on auto insurance because it is proof that your finances are in order.
• Onboard Data Collection – People who choose to allow their company to track driving patterns by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction as long as the data is positive.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. Some only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way.

A few of the larger companies and a summarized list of policyholder discounts are:

• Esurance discounts include renters, paid-in-full, emergency road assistance, multi-policy, online quote, and online shopper.
• The Hartford may include discounts for anti-theft, bundle, defensive driver, air bag, vehicle fuel type, and driver training.
• AAA includes discounts for pay-in-full, multi-policy, good student, anti-theft, and education and occupation.
• GEICO has savings for emergency military deployment, federal employee, daytime running lights, membership and employees, driver training, anti-theft, and defensive driver.
• State Farm has discounts for student away at school, good driver, driver’s education, multiple policy, and passive restraint.

Before purchasing a policy, check with each company how many discounts you can get. Depending on the company, some discounts might not apply in your area. For a list of insurers that offer many of these discounts, enter your zip code here.

Insurance quotes comparison

Most major insurance companies allow consumers to get coverage prices directly from their websites. This process is fairly straightforward as you just enter the coverages you want as requested by the quote form. Once entered, their quoting system will order your credit score and driving record and returns pricing information.

Quoting online helps simplify price comparisons, but the time required to go to each company’s website and repetitively type in the same data is monotonous and tiresome. But it is imperative to compare as many rates as possible if you want to find a better rate.

There is an easier way!

The preferred way to compare rates uses just one form to obtain quotes from more than one company. The form is fast, eliminates form submissions, and makes rate comparisons much more enjoyable. After sending the form, your coverage is rated with multiple companies and you can pick any one of the price quotes you receive.

If a lower price is quoted, you can simply submit the application and purchase coverage. It takes 15 minutes at the most and can result in significant savings.

In order to find out how much you can save on insurance, simply enter your zip code here and enter your vehicle and coverage information. If you have a policy now, it’s recommended you input the coverage information as close as possible to your current policy. This helps ensure you will receive a rate comparison based on similar coverages.

Four things that influence your insurance rates

An important part of buying insurance is that you know some of the things that come into play when calculating your insurance coverage rates. When you understand what impacts premium levels, this allows you to make educated decisions that could help you find lower premium levels.

• Driver age impacts prices – Older, more experienced drivers have been proven to be more responsible, tend to file fewer claims . Young drivers have been known to be careless and easily distracted when driving therefore insurance coverage rates are much higher.
• You may save more by bundling policies – Lots of insurers apply better rates to customers that purchase more than one policy such as combining an auto and homeowners policy. Even with this discount applied, it’s still a good idea to check prices from other companies to guarantee you are still saving the most. You may still find lower rates by insuring with multiple companies.
• Gals pay lower prices – Over time, data shows that females tend to be a little less risky than males. It does not mean females are better at driving than males. They both cause at-fault accidents in similar numbers, but the male of the species tend to have more serious accidents. Men also statistically receive more major tickets like reckless driving and DUI.
• Incidental coverages you don’t need – There are a ton of optional add-on coverages that can waste your money if you don’t pay attention. Coverages like replacement cost coverage, towing, and additional equipment coverage are probably not needed. They may seem good when deciding what coverages you need, but your needs may have changed so eliminate the coverages to reduce your premium.

Your car insurance coverage should be tailored to you

When it comes to buying the best car insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine whether you might need professional guidance.

• How many claims can I have before being cancelled?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Does insurance cover damages from a DUI accident?
• Do I need PIP coverage since I have good health insurance?
• What is high-risk coverage and where do I buy it?
• Should I have combined single limit or split liability limits?
• Is my trailer covered?
• Is business equipment covered while in my vehicle?
• Do I have newly-acquired coverage?

If you’re not sure about those questions, you might consider talking to an agent. To find an agent in your area, fill out your zip code. It’s fast, free and may give you better protection.

Car insurance coverages and their meanings

Learning about specific coverages of a car insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive auto 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 can pay for things like fire damage, rock chips in glass and vandalism. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as sideswiping another vehicle, damaging your car on a curb and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for X-ray expenses, rehabilitation expenses and chiropractic care. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Honda Passport.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability insurance

Liability coverage will cover damage that occurs to a person or their property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things like loss of income, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Take this to the bank

We just presented many ways to get a better price on 2021 Honda Passport insurance. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the most savings is with the least-expected company.

People switch companies for a variety of reasons including high prices, policy cancellation, delays in paying claims or denial of a claim. No matter why you want to switch, choosing a new insurance company is not as hard as you think.

When searching for affordable auto insurance quotes, it’s a bad idea to buy poor coverage just to save money. In too many instances, drivers have reduced physical damage coverage to discover at claim time they didn’t purchase enough coverage. Your objective should be to get the best coverage possible at the best possible price while still protecting your assets.