2004 Honda Pilot Car Insurance Cost – 8 Tricks for Cheaper Prices

Want better insurance coverage rates for your Honda Pilot? Paying for pricey Honda Pilot insurance can take a big chunk out of your budget and put a big crunch on your finances. Getting a rate comparison is recommended to reduce premiums and put more money in your pocket.

Big companies like Geico, Progressive and Allstate increase brand awareness with fancy advertisements and consumers find it hard to see past the geckos and flying pigs and find the best price available.

Buy auto insurance online

When looking for low cost insurance quotes, there are a couple ways to obtain and compare prices from auto insurance companies in your area. The best method to comparison shop consists of shopping online. This is quite simple and can be completed in a couple minutes as outlined below.

The first (and easiest) way to get the best comparison quotes is a comparison rater form (click to open form in new window). This easy form saves time by eliminating repetitive form submissions to each individual auto insurance company. One simple form gets rate comparisons from all major companies.
A different way to analyze rates requires visiting the website for each individual company to complete a price quote. For sake of this example, we’ll pretend you want rates from State Farm, 21st Century and Geico. You would have to navigate to each company’s site to input your insurance information, which can take a lot of time. To view a list of companies in your area, click here.

Whichever way you choose to compare rates, make sure you compare the exact same deductibles and coverage limits on every quote. If the quotes have higher or lower deductibles it will be next to impossible to determine which company has the best rates. Having just a slight variation in limits may result in large price differences. Keep in mind that more quotes helps improve the odds of finding the best rates. Some companies don’t provide price estimates online, so you should also compare prices from those companies as well.

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These eight discounts can lower your insurance coverage rates

Car insurance companies don’t always list the complete list of policy discounts very clearly, so the list below contains some of the more common and also the lesser-known credits available to you. If you don’t get every credit possible, you are paying more than you should be.

Defensive Driver – Taking a defensive driving course can save you 5% or more and easily pay for the cost of the class.
Pay Early and Save – If paying your policy premium upfront rather than paying in monthly installments you can avoid monthly service charges.
Online Discount – Some larger companies will provide an incentive get insurance on their website.
Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
Cautious Driver Discount – Insureds without accidents can save as much as half off their rates on Pilot insurance as compared to drivers with claims.
55 and Retired – Older drivers may receive lower premium rates on Pilot insurance.
Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and will qualify for a discount on a insurance quote.
Life Insurance – Some insurance carriers give a discounted insurance coverage rate on car insurance if you buy a life insurance policy as well.

You should keep in mind that most discount credits are not given to the overall cost of the policy. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, it’s just not the way it works.

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

AAA policyholders can earn discounts including multi-policy, pay-in-full, anti-theft, multi-car, and good student.
Progressive has savings for multi-policy, multi-vehicle, good student, online quote discount, and continuous coverage.
State Farm may have discounts that include safe vehicle, multiple policy, student away at school, passive restraint, driver’s education, and good student.
Esurance includes discounts for online quote, good student, paid-in-full, defensive driver, and multi-policy.
Nationwide may offer discounts for accident-free, multi-policy, defensive driving, easy pay, business or organization, and family plan.

Double check with each insurance company to give you their best rates. Depending on the company, some discounts might not apply everywhere.

Different people need different insurance coverages

When buying the right insurance coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that might help in determining if you would benefit from an agent’s advice.

Should I bundle my homeowners policy with my auto?
How can I force my company to pay a claim?
Is upholstery damage covered by car insurance?
Does coverage extend to my business vehicle?
Will my vehicle be repaired with OEM or aftermarket parts?
Is my camper covered by my car insurance policy?
What is an SR-22 filing?
Does my car insurance cover rental cars?
If my pet gets injured in an accident are they covered?
Is my ex-spouse still covered by my policy?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Detailed coverages of your insurance policy

Knowing the specifics of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by insurance companies.

Auto collision coverage

Collision insurance covers damage to your Pilot resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, colliding with another moving vehicle, crashing into a ditch, damaging your car on a curb and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Honda Pilot.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Comprehensive insurance

This pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as rock chips in glass, hitting a bird, damage from getting keyed and vandalism. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for immediate expenses like funeral costs, chiropractic care, dental work, X-ray expenses and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Liability coverages

This can cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims like pain and suffering, court costs, repair bills for other people’s vehicles, repair costs for stationary objects and medical services. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

A penny saved is a penny earned

When getting insurance quotes online, make sure you don’t reduce needed coverages to save money. In many instances, consumers will sacrifice full coverage only to regret that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

Budget-conscious 2004 Honda Pilot insurance is definitely available from both online companies in addition to many insurance agents, so you need to shop insurance with both to have the best chance of lowering rates. There are still a few companies who do not offer rates over the internet and most of the time these smaller companies only sell through independent agents.

You just learned some good ideas how you can get a better price on 2004 Honda Pilot insurance. The most important thing to understand is the more quotes you get, the better likelihood of getting inexpensive insurance. Drivers may discover the best rates are with a small local company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm or Progressive.

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