2010 Honda Pilot Car Insurance Quotes

Searching for lower insurance coverage rates for your Honda Pilot? Have you fallen victim to an overpriced insurance coverage policy? Believe me when I say many consumers feel financially strained by their insurance coverage policy.

Due to the large number of options when it comes to insurance coverage, it can be challenging to locate the cheapest company.

It’s important to get comparison quotes every six months since prices are rarely the same from one policy term to another. Just because you found the lowest rates for Pilot coverage on your last policy other companies may now be cheaper. Forget anything you know (or think you know) about insurance coverage because it’s time to teach you the fastest way to find lower rates on insurance coverage.

Finding the lowest cost car insurance coverage is quite easy. In a nutshell, everyone who buys car insurance will be able to find lower rates. Nevertheless, consumers must understand how insurance companies market insurance on the web because it can help you find the best coverage.

Lower your insurance costs

Many different elements are part of the equation when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but some are more transparent like where you live or how financially stable you are.

  • Accidents increase costs – Being a careful driver has a huge affect on how much you pay. Just one moving violation could increase your next policy renewal by as much as twenty percent. Drivers with clean records pay lower auto insurance prices compared to bad drivers. Drivers with severe violations such as hit and run, DWI or reckless driving convictions may be required to prove financial responsibility to the state department of motor vehicles in order to legally drive a vehicle.
  • Insurance rates in urban areas – Being located in small towns and rural areas is a positive aspect when talking about insurance coverage. Less people means reduced accidents as well as less vandalism and auto theft. People in densly populated areas regularly have traffic congestion and a longer drive to work. Longer commute distances means more chance of being in an accident.
  • High physical damage deductibles save money – Protection for physical damage, also known as collision and other-than-collision, is used to repair damage to your Honda. Examples of covered claims are a dented fender, damage from fire, and damage from a fallen tree branch. The deductibles tell how much you are willing to pay before your insurance coverage pays a claim. The larger the amount you choose to pay out-of-pocket, the less your company will charge you for insurance for Pilot coverage.
  • Extra policy coverages are wasting money – There are a lot of extra bells and whistles that sound like a good idea at the time if you aren’t diligent. Insurance for things like personal injury protection, accidental death, and extra life insurance coverage could be just wasting money. You may think they are a good idea when buying your policy, but now you might not need them so eliminate the coverages to reduce your premium.
  • Are women or men drivers cheaper? – Statistics show females are less aggressive when driving. The data does not necessarily mean that women are better drivers. Women and men have accidents in similar percentages, but males have costlier accidents. In addition to higher claims, males also get more serious tickets like driving under the influence (DUI). Male drivers age 16 to 19 are most likely to cause an accident and are penalized with high insurance coverage rates.
  • Annual miles is a factor – Driving more miles in a year the more you’ll pay to insure your vehicle. Most companies calculate rates determined by how the vehicle is used. Autos that sit idle most of the time cost less to insure than those used for commuting. Verify your vehicle rating is rated on the right rating data. An improperly rated Pilot is just wasting money.

Where can I get affordable car insurance?

To find cheap car insurance quotes, there are several ways to obtain and compare prices from companies that offer car insurance in your state. By far the easiest way to compare rates consists of shopping online. This can be accomplished using a couple different methods.

The single most time-saving way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This form saves time by eliminating multiple quote forms for every prospective company. Taking the time to complete one form will return quotes from many national carriers.

A less efficient way to obtain and compare quotes online consists of going to the website for every company you want to comare and repeat the quote process again and again. For example, let’s say you want to compare State Farm, Allstate and Farmers. To find out each rate you need to navigate to each company’s site to enter the same coverage data repeatedly, which can be really labor intensive. For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but make darn sure you compare apples-to-apples coverage limits and deductibles for each comparison quote. If you compare different limits and deductibles on each one you can’t possibly decipher which rate is best. Having just a slight variation in insurance coverages or limits may cause a big price difference. Keep in mind that more quotes gives you a better chance of getting the best price. Some companies don’t provide online rate quotes, so you also need to get price quotes from those companies as well.

Insurance coverage quotes and discounts

Insuring your fleet can be pricey, but there could be significant discounts that you may not even know about. Certain reductions will be credited at the time of quoting, but a few must be inquired about prior to receiving the credit. If you don’t get every credit you qualify for, you are paying more than you should be.

  • E-sign – A few companies will give a small break for completing your application online.
  • Senior Citizen Discount – Older drivers may be able to get a slight reduction on a car insurance quote for Pilot coverage.
  • Low Mileage Discounts – Fewer annual miles on your Honda may enable drivers to earn slightly better premium rates than normal.
  • Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts can get savings of more than 20%.
  • No Claim Discounts – Good drivers with no accidents have much lower rates in comparison to policyholders that have many claims.

We need to note that many deductions do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like having all the discounts means you get insurance for free, nobody gets a free ride. But all discounts will help reduce your premiums.

A list of companies and a partial list of their discounts are outlined below.

  • Farm Bureau may include discounts for 55 and retired, multi-policy, good student, youthful driver, safe driver, renewal discount, and driver training.
  • Liberty Mutual policyholders can earn discounts including teen driver discount, preferred payment discount, newly retired, good student, new move discount, new vehicle discount, and new graduate.
  • State Farm offers discounts including anti-theft, defensive driving training, passive restraint, driver’s education, good driver, student away at school, and accident-free.
  • Auto-Owners Insurance discounts include teen driver, student away at school, safe driver, anti-theft, air bags, company car, and safe vehicle.
  • Geico may have discounts that include multi-policy, anti-lock brakes, five-year accident-free, emergency military deployment, and membership and employees.
  • SAFECO has savings for bundle discounts, teen safety rewards, drive less, teen safe driver, anti-lock brakes, homeowner, and safe driver.

If you need cheaper car insurance quotes, ask every prospective company which credits you are entitled to. Savings may not be available in your area.

Situations that may require an agent’s advice

When it comes to buying coverage, there isn’t really a one size fits all plan. Each situation is unique and your policy should reflect that. Here are some questions about coverages that could help you determine if your situation will benefit from professional help.

  • Is motorclub coverage worth it?
  • How can I get my company to pay me more for my totalled car?
  • What are the financial responsibility laws in my state?
  • Does my medical payments coverage pay my health insurance deductible?
  • When should I not file a claim?
  • Should I get collision insurance on every vehicle?
  • When would I need additional glass coverage?
  • Should I have a commercial auto policy?
  • Who is covered by my policy?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Detailed coverages of your insurance policy

Having a good grasp of insurance can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types found on most insurance policies.

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, a broken windshield and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision insurance

This pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with a tree, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Liability coverages

This coverage protects you from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for things such as repair bills for other people’s vehicles, emergency aid, medical expenses and attorney fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for uninsured or underinsured drivers

This provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your 2010 Honda Pilot.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages are similar to your liability insurance amounts.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses like doctor visits, dental work, rehabilitation expenses, surgery and chiropractic care. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Saving money is sweet as honey

We covered some good ideas how to get a better price on 2010 Honda Pilot insurance. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding inexpensive car insurance. Drivers may discover the lowest rates come from a small mutual company. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as Geico and State Farm.

Low-cost 2010 Honda Pilot insurance can be bought online and from local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers may not provide the ability to get a quote online and many times these smaller companies work with independent agents.

More tips and info about auto insurance can be found in the articles below: