Compare 2009 Honda Pilot Insurance Quotes

Searching for better insurance coverage rates for your Honda Pilot? Pricey Honda Pilot insurance can sap your savings and put the squeeze on your family’s finances. Comparing cost estimates can save money and help to reduce premiums and put more money in your pocket.

Since you have so many insurance companies to choose from, it is very difficult to pick the right insurance coverage provider.

It is always a good idea to price shop coverage quite often due to the fact that insurance prices change quite often. Even if you got the best rates on Pilot coverage a few years ago other companies may now be cheaper. Block out anything you think you know about insurance coverage because I’m going to teach you the things you must know in order to save on insurance coverage.

You may qualify for discounts

Some providers don’t always publicize all disounts in a way that’s easy to find, so the list below details a few of the more common in addition to some of the lesser obvious discounts that you can inquire about if you buy car insurance online.

  • Life Insurance – Not all companies offer life insurance, but some may give you a break if you buy auto and life insurance together.
  • Organization Discounts – Having an affiliation with a civic or occupational organization could earn you a nice discount on your bill.
  • Seat Belts Save – Requiring all passengers to use their safety belts can save up to 15% off the PIP or medical payment premium.
  • Anti-lock Brake Discount – Cars and trucks with ABS braking systems or traction control have fewer accidents so you can save 10 percent or more.
  • Driver Education Discount – Teen drivers should enroll in driver’s education in school or through a local driver safety program.
  • Driving Data Discount – Policyholders that allow companies to scrutinize vehicle usage through the use of a telematics system like Allstate’s Drivewise could possibly reduce rates if they show good driving skills.
  • More Vehicles More Savings – Insuring all your vehicles with one company can get a discount for every vehicle.
  • Low Mileage Discounts – Driving less can qualify you for cheaper car insurancerates.
  • Own a Home – Owning a house can save you money because owning a home shows financial diligence.
  • No Claim Discounts – Insureds who avoid accidents and claims can save substantially as compared to drivers who are more careless.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only reduce individual premiums such as comp or med pay. Just because you may think you could get a free car insurance policy, it just doesn’t work that way.

The best car insurance companies and a selection of discounts are:

  • State Farm includes discounts for safe vehicle, good student, defensive driving training, student away at school, accident-free, Drive Safe & Save, and anti-theft.
  • Progressive offers discounts for homeowner, multi-vehicle, good student, multi-policy, and online signing.
  • Progressive has discounts for multi-vehicle, good student, continuous coverage, homeowner, and multi-policy.
  • MetLife discounts include defensive driver, accident-free, good student, good driver, claim-free, multi-policy
  • Farm Bureau policyholders can earn discounts including renewal discount, multi-policy, youthful driver, 55 and retired, safe driver, and driver training.
  • Geico offers discounts including air bags, multi-vehicle, daytime running lights, five-year accident-free, emergency military deployment, and driver training.
  • SAFECO offers premium reductions for safe driver, multi-car, anti-theft, anti-lock brakes, and teen safe driver.

If you are trying to find low cost car insurance quotes, ask every prospective company to give you their best rates. Some of the discounts discussed earlier may not be offered in your area.

What determines Honda Pilot insurance premiums?

Consumers need to have an understanding of a few of the rating criteria that are used to determine the level of your policy premiums. If you have some idea of what determines premiums, this allows you to make good choices that could help you find lower premium levels.

  • Poor credit can mean higher premiums – Your credit score will be a significant factor in determining what you pay for insurance coverage. People with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with lower ratings. Therefore, if your credit history is lower than you’d like, you may save money insuring your 2009 Honda Pilot by improving your credit score.
  • Safeguard your assets with liability protection – Your policy’s liability coverage provides coverage in the event that a court rules you are at fault for causing damage or personal injury in an accident. It provides legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so drivers should carry high limits.
  • High premiums for youthful drivers – Older people are more cautious drivers, tend to cause fewer accidents and tend to be get fewer driving tickets.Young drivers are statistically shown to be careless and easily distracted when at the wheel of a vehicle and because of this, their insurance coverage rates are much higher.
  • Discounts for alarm systems – Owning a car with advanced anti-theft systems can help lower your premiums. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft.
  • Accidents inflate rates – Having a clean driving record influences premium rates substantially. Even one moving violation can boost insurance rates to the point where it’s not affordable. Drivers who don’t get tickets pay less for auto insurance compared to drivers with tickets. People who have careless violations like reckless driving, hit and run or driving under the influence may face state-mandated requirements to prove financial responsibility with their state’s licensing department in order to legally drive.
  • Men pay higher prices – Statistics have proven women are more cautious behind the wheel. It does not mean males are worse at driving than females. Males and females get in at-fault accidents in similar numbers, but the male of the species get into accidents with more damage. Men also tend to have more aggressive citations like reckless driving and DUI. Young males are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Too many insurance claims will drive insurance coverage rates up – Companies provide lower rates to people who file claims infrequently. If you file a lot of claims you can look forward to much higher rates or policy non-renewal. Auto insurance is designed for more catestrophic claims.
  • Drive fewer miles and save – The higher the miles on your Honda in a year the higher your rate. Many insurance companies price each vehicle’s coverage based on how the vehicle is used. Autos used primarily for pleasure use get more affordable rates than cars that get driven a lot. An incorrectly rated Pilot can cost quite a bit. It’s a smart idea to ensure your insurance coverage declarations sheet correctly shows how each vehicle is driven.

There’s no such thing as the perfect auto insurance policy

When choosing coverage, there is no best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that may help highlight if your situation would benefit from an agent’s advice.

  • What is covered by UM/UIM coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Can I rate high risk drivers on liability-only vehicles?
  • How many claims can I have before being cancelled?
  • Can I afford to buy a different vehicle if my 2009 Honda Pilot is totaled?
  • Am I covered if I hit a deer?
  • Is business equipment covered while in my vehicle?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Smaller companies may have the best rates

Consumers can’t get away from ads for the lowest price auto insurance by companies like State Farm, Geico and Progressive. All the companies advertise the message about saving some big amount after switching your policy.

How do they all cost less than your current company? You have to listen carefully.

Auto insurance companies have specific guidelines for the type of driver they prefer to insure. For instance, this type of driver should be between 30 and 50, has no claims, and drives less than 5,000 miles a year. A driver who matches that profile will get a cheap rate quote and as a result will probably save money with a new company.

People who do not fit the requirements may be required to pay more expensive rates and this results in the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everyone who quotes” save that much. That is how insurance companies can confidently make claims that they all have the best prices.

This really drives home the point why you need to get as many free car insurance quotes as possible. It is just not possible to predict which company will have the lowest rate quotes.

Car insurance coverage considerations

Having a good grasp of your policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages found on the average car insurance policy.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for bills for surgery, nursing services, hospital visits and chiropractic care. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision insurance

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

Collision coverage pays for things like hitting a parking meter, colliding with a tree, damaging your car on a curb and rolling your car. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims like structural damage, funeral expenses, bail bonds, attorney fees and court costs. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, damage from getting keyed and hitting a deer. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally these coverages are identical to your policy’s liability coverage.

Don’t be a big spender

Low-cost 2009 Honda Pilot insurance can be purchased on the web and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who may not have the ability to get a quote online and usually these smaller companies sell through local independent agents.

As you shop your coverage around, you should never reduce needed coverages to save money. There are too many instances where an insured dropped comprehensive coverage or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage for the lowest price while still protecting your assets.

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