How Much Does 2003 Honda Pilot Insurance Cost?

No one in their right mind looks forward to buying car insurance, especially knowing the price is too high. Because you have many insurance providers from which to choose, it is very difficult to locate a more affordable car insurance provider.

Shop car insurance online

Performing a rate comparison can take hours if you don’t know the fastest way to get free quotes. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

Many popular insurance companies take part in a program that enables customers to submit one quote, and each participating company can provide price quotes based on the submitted data. This eliminates the need for quote forms to each individual car insurance company.

To fill out one form to compare multiple rates now click here to open in new window.

The single downside to comparing rates this way is you don’t know exactly the providers to receive prices from. So if you prefer to choose individual companies to compare rates, we have a listing of low cost car insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but try to use nearly identical coverage limits for every quote you compare. If you compare different data you will not be able to determine which company has the best rates.

Insurance coverage companies offer many types of discounts

Some companies don’t list the complete list of policy discounts very clearly, so we researched some of the best known and also the more inconspicuous credits available to bring down your rates. If you are not receiving all the discounts you deserve, you are not getting the best rate possible.

Discounts for Cautious Drivers – Drivers without accidents can save as much as half off their rates on Pilot coverage compared to accident prone drivers.
Multiple Cars – Buying coverage for multiple vehicles on one policy qualifies for this discount.
Savings for New Vehicles – Insuring a vehicle that is new may earn a small discount because new vehicles are generally safer.
Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 20 to 30 percent.
Anti-lock Brake Discount – Vehicles that have anti-lock braking systems prevent accidents so companies give up to a 10% discount.
Student Driver Training – Cut your cost by having your teen driver complete a driver education course in school or through a local driver safety program.
Military Discounts – Being on active deployment in the military could be rewarded with lower premium rates.

Consumers should know that many deductions do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, you won’t be that lucky.

A few popular companies and some of their more popular discounts can be read below.

Progressive includes discounts for continuous coverage, homeowner, online signing, multi-policy, good student, and multi-vehicle.
The Hartford may offer discounts for defensive driver, vehicle fuel type, bundle, air bag, and anti-theft.
Mercury Insurance offers premium reductions for type of vehicle, accident-free, multi-car, ease of repair, good driver, and good student.
Geico policyholders can earn discounts including multi-policy, federal employee, anti-lock brakes, anti-theft, five-year accident-free, and membership and employees.
AAA offers discounts including anti-theft, multi-policy, AAA membership discount, good student, pay-in-full, and education and occupation.
State Farm has savings for Steer Clear safe driver discount, defensive driving training, driver’s education, multiple autos, good student, accident-free, and student away at school.

When quoting, ask each company how many discounts you can get. All car insurance discounts may not apply to policyholders in your area. For a list of companies that offer some of these discounts, click this link.

Do I just need basic coverages?

When choosing proper insurance coverage for your personal vehicles, there is no one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions can help discover if you may require specific advice.

Are my friends covered when driving my 2003 Honda Pilot?
How high should my medical payments coverage be?
Can I pay claims out-of-pocket if I buy high deductibles?
What discounts do I qualify for?
Is my nanny covered when driving my vehicle?
Is borrowed equipment or tools covered if stolen or damaged?
Is my cargo covered for damage or theft?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage information

Having a good grasp of a car insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages available from car insurance companies.

Auto liability

Liability coverage will cover damage or injury you incur to other’s property or people in an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims such as structural damage, court costs and attorney fees. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, rock chips in glass and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as rolling your car, sustaining damage from a pot hole, hitting a mailbox, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2003 Honda Pilot.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for immediate expenses like X-ray expenses, doctor visits, surgery, ambulance fees and EMT expenses. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage