Cheaper 2007 Honda Pilot Car Insurance Quotes

Searching for cheaper car insurance rates for your Honda Pilot? No car owner anticipates paying for car insurance, especially when they are aware that the cost is way too high.

Big companies like State Farm, Geico and Farmers Insurance persitently shower you with advertising and it is difficult to see through the cute green geckos and mayhem and find the best price available.

Why your insurance costs might be higher

Multiple criteria are used when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, but some are not as apparent like where you live or your commute time.

The items below are some of the most common factors used by companies to determine prices.

  • Little extras can really add up – There are a lot of additional coverages that can waste your money on your insurance policy. Insurance for things like replacement cost coverage, high-cost glass coverage, and extra equipment coverage are probably not needed. They may seem like a good idea when deciding what coverages you need, but now you might not need them so consider taking them off your policy.
  • Tickets can increase costs – Drivers with clean records pay lower auto insurance prices than bad drivers. Just one chargable violation may increase your cost by as much as thirty percent. Drivers who have dangerous citations such as reckless driving or DUI may need to file a proof of financial responsibility form (SR-22) with their state in order to prevent a license revocation.
  • Pay more out-of-pocket – The deductibles you choose define the amount you are required to pay if a claim is determined to be covered. Physical damage protection, also called comprehensive and collision insurance, insures against damage to your car. Some examples of claims that would be covered could be a windshield broken by a bird, hail damage, and having a roll-over accident. The larger the amount you have to pay, the less your insurance will be on Pilot insurance.
  • Vocation stress can make you pay more – Careers like lawyersair traffic controllers and emergency personnel tend to have higher rates than the rest of us in part from stressful work requirements and lots of time spent away from family. Conversely, careers like scientists, engineers and performers pay lower than average rates on Pilot insurance.

How much does auto insurance cost?

There are a variety of methods you can shop for auto insurance and some are less time-consuming than others. You can waste a lot of time driving to agents in your area, or you can stay home and use the web for quick rates.

Many companies participate in a marketplace that enables customers to only type in their quote data once, and each company can give them a price. This eliminates the need for quote forms to each company.

To compare rates using this form now click here to open in new window.

One minor caviat to using this type of system is you are unable to specify which carriers you want to price. So if you want to select from a list of companies to receive pricing from, we have a page of low cost auto insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but do your best to enter the same deductibles and coverage limits with every price quote. If you enter different values for each quote it will be impossible to make a fair rate comparison. Slightly different insurance coverages or limits can make a big difference in price. Just keep in mind that comparing a wide range of rates will increase your chances of finding the best price. Not every company does quotes online, so you also need to get rates from the smaller companies as well.

Lower rate quotes with these discounts

Companies that sell car insurance don’t always advertise all disounts in a way that’s easy to find, so the following list contains some of the more common as well as the least known discounts that may be available.

  • Discount for New Cars – Buying a new car instead of a used car may earn a small discount since newer models have better safety ratings.
  • Discount for Home Ownership – Being a homeowner can help you save on insurance because maintaining a house requires personal responsibility.
  • No Accidents – Drivers who don’t have accidents get the best insurance rates as compared to accident-prone drivers.
  • Paperwork-free – A few larger online companies will give you a small discount shop insurance on their website.
  • Federal Employees – Active or former government employment could provide a small rate reduction on Pilot insurance with a few insurance companies.
  • Bundled Policy Discount – If you can bundle your home and auto insurance with one company you could save as much as 10 to 15 percent.

Please keep in mind that some credits don’t apply to the overall cost of the policy. Some only apply to individual premiums such as comp or med pay. Even though it appears you could get a free insurance policy, insurance companies aren’t that generous.

A list of companies and some of their more popular discounts are:

  • State Farm has savings for multiple autos, good driver, student away at school, Steer Clear safe driver discount, and driver’s education.
  • Esurance policyholders can earn discounts including online quote, DriveSense, paid-in-full, claim free, Switch & Save, and defensive driver.
  • Progressive may offer discounts for multi-vehicle, good student, homeowner, multi-policy, and online quote discount.
  • Liberty Mutual offers discounts including new graduate, new move discount, multi-car, hybrid vehicle, newly retired, exclusive group savings, and safety features.
  • Auto-Owners Insurance offers premium reductions for group or association, paid in full, good student, mature driver, paperless, air bags, and student away at school.
  • Geico discounts include multi-policy, emergency military deployment, seat belt use, multi-vehicle, daytime running lights, and good student.

If you need cheaper insurance quotes, ask each company to apply every possible discount. Some discounts may not apply in your area. For a list of insurance companies that offer multiple discounts, click here to view.

Insurance can be complex

When it comes to choosing proper insurance coverage, there is no perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that can aid in determining whether or not you could use an agent’s help.

  • Do I get a pro-rated refund if I cancel my policy early?
  • When should I remove comp and collision on my 2007 Honda Pilot?
  • Does medical payments coverage apply to all occupants?
  • Is my state a no-fault state?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Can I get a multi-policy discount?
  • Are my friends covered when driving my 2007 Honda Pilot?
  • Does my medical payments coverage pay my health insurance deductible?

If it’s difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Insurance specifics

Learning about specific coverages of a insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by insurance companies.

Collision – Collision coverage 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 and then insurance will cover the remainder.

Collision coverage protects against things like damaging your car on a curb, backing into a parked car, rolling your car, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive auto coverage – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a bird, damage from getting keyed, damage from flooding and theft. The maximum amount your 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.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like funeral costs, nursing services and doctor visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability – This coverage provides protection from damage that occurs to people or other property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as court costs, bail bonds, structural damage and emergency aid. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Honda Pilot.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Find Good Coverage for Less

As you quote insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice liability limits or collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your focus should be to buy enough coverage at an affordable rate but still have enough coverage for asset protection.

Low-cost 2007 Honda Pilot insurance is definitely available both online as well as from insurance agents, so you need to quote insurance with both to have the best chance of lowering rates. A few companies may not offer price quotes online and usually these smaller providers only sell through independent agents.

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