Save on 2006 Honda Pilot Car Insurance Rates

Having to pay for expensive car insurance can deplete your savings and make it impossible to make ends meet. Doing a rate comparison can lower your rates and help to ensure you are getting the best deal.

Because there are so many options when it comes to car insurance, it is hard for the average consumer to choose the best car insurance company.

Free auto insurance price quotes

Getting a cheaper price on 2006 Honda Pilot insurance is a fairly straight forward process. You just have to take a few minutes comparing rates to find the company with low cost car insurance quotes. Rate comparisons can be done using a couple different methods.

  1. One of the fastest ways to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This style of form eliminates the need for repetitive form entry for each company. Taking the time to complete one form gets rate comparisons from multiple low-cost companies.
  2. A slightly less efficient method to get quotes online consists of going to the website for every company you want to comare to complete their respective quote request forms. For examples sake, let’s assume you want to compare rates from USAA, Safeco and Travelers. In order to get each rate, you would have to go to each individual site to enter the same coverage data repeatedly, which can get old fast. For a list of companies in your area, click here.

It’s your choice how you get your quotes, but try to use equivalent coverage data for every company. If you enter higher or lower deductibles it’s not possible to determine the lowest rate for your Honda Pilot.

Cheaper rates with these auto insurance discounts

The cost of insuring your cars can be expensive, but there are discounts available that you may not even be aware of. Most are applied when you get a quote, but some discounts are required to be manually applied prior to receiving the credit.

  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and qualify for as much as a 10% discount.
  • Low Mileage Discounts – Fewer annual miles on your Honda could be rewarded with better rates on cars that stay parked.
  • Good Grades Discount – Being a good student may save as much as 25% on a car insurance quote. Earning this discount can benefit you until age 25.
  • Accident Waiver – but a few companies such as Allstate and State Farm will turn a blind eye to one accident before hitting you with a surcharge as long as you don’t have any claims before the accident.
  • Defensive Driving Course – Passing a class that teaches driver safety techniques could save 5% or more depending on where you live.

Don’t be surprised that many deductions do not apply the the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will reduce the amount you pay for coverage.

Car insurance companies that may have some of the above discounts include:

It’s a good idea to ask all companies you are considering how many discounts you can get. Some discounts listed above may not be available in your area. To choose companies that offer many of these discounts, click this link.

Car insurance can get complicated

When it comes to buying coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if your situation might need professional guidance.

  • Does my car insurance cover rental cars?
  • Does having multiple vehicles earn me a discount?
  • Does my insurance cover my expensive audio equipment?
  • Is my teenager covered with friends in the car?
  • Do I need replacement cost coverage?
  • Can I drive in Mexico and have coverage?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Why your insurance prices might be higher

Many different elements are part of the equation when you quote your car insurance policy. Some are pretty understandable like your driving record, although others are more obscure like your vehicle usage or your commute time.

  • Save money with excellent credit – Credit score is a large factor in determining what you pay. Therefore, if your credit score can be improved, you could potentially save money when insuring your 2006 Honda Pilot by spending a little time repairing your credit. Drivers who have excellent credit tend to be more responsible and file fewer claims as compared to drivers with poor credit.
  • Low mileage costs less – The higher the miles on your Honda in a year the higher your rates will be. A lot of companies calculate prices partially by how you use the vehicle. Cars that have low annual miles cost less to insure than cars that get driven a lot. Having the wrong rating on your Pilot may be costing you higher rates. It’s a good idea to make sure your vehicle rating shows the right rating data, because it can save money.
  • Combine policies and save money – Most major companies give a discount to clients that have more than one policy, otherwise known as a multi-policy discount. The discount can be anywhere from five to ten percent in most cases. Even though this discount sounds good, consumers should still get quotes from other companies to verify if the discount is saving money.
  • Never go without insurance – Having a lapse in insurance coverage is a sure-fire way to pay more for insurance. Not only will rates go up, getting caught without coverage could result in a license revocation or jail time.
  • Liability risk factors in – The liability coverage on your policy provides coverage when a court rules you are at fault for physical damage or personal injury to other. This coverage provides legal defense which can cost a lot. Liability insurance is pretty cheap when compared with rates for comp and collision, so do not skimp.
  • Teenagers vs. mature drivers – Inexperience drivers have a tendency to be inattentive and easily distracted when driving with friends so insurance rates are higher. More experienced drivers are viewed as being more responsible, statistically cause fewer accidents .
  • Urban areas may pay more – Living in areas with lower population is a positive aspect when it comes to insurance. People in densly populated areas have to deal with congested traffic and much longer commute distances. Fewer drivers on the road translates into fewer accident claims in addition to fewer liability claims.

Car insurance 101

Understanding the coverages of your insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most insurance policies.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from getting keyed, theft, damage from a tornado or hurricane, fire damage and rock chips in glass. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM Coverage

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

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage protection

This coverage covers damage to your Pilot resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like driving through your garage door, crashing into a building, scraping a guard rail, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Medical costs insurance

Coverage for medical payments and/or PIP pay for immediate expenses for things like chiropractic care, ambulance fees, EMT expenses, hospital visits and dental work. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability coverages

This coverage provides protection from injuries or damage you cause to other’s property or people that is your fault. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as medical services, legal defense fees and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Don’t throw your cash in the trash

When getting car insurance quotes online, don’t be tempted to reduce coverage to reduce premium. Too many times, an accident victim reduced physical damage coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase a proper amount of coverage at the best price and still be able to protect your assets.

Lower-priced insurance is available online as well as from insurance agents, so you need to shop car insurance with both to get a complete price analysis. Some companies don’t offer online quoting and these smaller providers prefer to sell through local independent agencies.

Even more information is located by following these links: