2011 Honda Pilot Insurance Rates

I really doubt anyone anticipates paying for insurance coverage, especially when the cost is too high.

Consumers have multiple auto insurance companies to choose from, and though it is a good thing to have a selection, having more insurers makes it harder to find the lowest rates.

The most recommended method to get policy rate comparisons takes advantage of the fact almost all companies participate in a system to provide you with free rate quotes. The only thing you need to do is spend a couple of minutes providing details including your occupation, the type of vehicles you drive, how your vehicles are used, and if it has an anti-theft system. Your rating data is then submitted to multiple top-rated companies and they provide comparison quotes with very little delay.

To check 2011 Honda Pilot insurance prices now, click here and find out if you can get cheaper insurance.

Discounts to earn cheap car insurance rates

Car insurance companies don’t necessarily list all possible discounts in an easy-to-find place, so the below list has some of the more common as well as some of the hidden discounts that may be available.

  • Buy New and Save – Putting coverage on a new car may earn a small discount compared to insuring an older model.
  • Good Drivers – Drivers without accidents can get discounts for up to 45% lower rates on Pilot coverage compared to rates paid by drivers with frequent claims.
  • Clubs and Organizations – Having an affiliation with a qualifying organization is a good way to get lower rates on car insurance.
  • Own a Home – Owning a home can earn you a little savings due to the fact that maintaining a home is proof of financial responsibility.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and will save you 10% or more.
  • E-sign – Certain companies will give a small break for signing up online.

You should keep in mind that most discounts do not apply to the entire cost. Some only reduce the cost of specific coverages such as comp or med pay. Just because it seems like it’s possible to get free car insurance, you aren’t that lucky.

Large car insurance companies and their offered discounts are outlined below.

  • Geico may include discounts for good student, membership and employees, federal employee, seat belt use, anti-theft, multi-policy, and defensive driver.
  • MetLife offers premium reductions for claim-free, good driver, defensive driver, accident-free, good student, multi-policy
  • State Farm may offer discounts for multiple autos, accident-free, multiple policy, Drive Safe & Save, good student, good driver, and passive restraint.
  • Progressive discounts include good student, online quote discount, online signing, continuous coverage, and multi-vehicle.
  • Mercury Insurance offers discounts including ease of repair, professional/association, age of vehicle, low natural disaster claims, annual mileage, good driver, and multi-car.
  • 21st Century policyholders can earn discounts including 55 and older, teen driver, defensive driver, air bags, homeowners, and good student.
  • Allstate offers discounts for farm vehicle, new car, senior citizen, good student, FullPay discount, teenSMART discount, and 55 and retired.

When getting free auto insurance quotes, it’s a good idea to each insurance company which discounts you qualify for. Some discounts listed above might not be offered everywhere. To view companies that offer some of these discounts, click here.

Tailor your insurance coverage coverage to you

When buying adequate coverage, there really is no one size fits all plan. Everyone’s situation is a little different so this has to be addressed. For instance, these questions can aid in determining if your situation could use an agent’s help.

  • What is high-risk coverage and where do I buy it?
  • Are rock chip repairs covered?
  • How high should my medical payments coverage be?
  • Does coverage extend to my business vehicle?
  • Does having multiple vehicles earn me a discount?
  • Does car insurance cover theft of personal property?
  • Do I need special endorsements for business use of my vehicle?
  • Is a fancy paint job covered?

If you can’t answer these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

How to lower your insurance rates

Many things are part of the equation when you quote your car insurance policy. Some factors are common sense like your driving record, but other criteria are less obvious such as your credit history or your commute time.

The following are some of the factors used by companies to determine your rate level.

  • Never let your policy expire – Having a lapse in insurance coverage is a fast way to increase your renewal premiums. In addition to paying higher premiums, being ticketed for driving with no insurance could result in fines or a revoked license.
  • A good credit score can save money – Credit score is likely to be a major factor in calculating your auto insurance rates. Drivers who have very good credit scores tend to be better drivers and file fewer claims as compared to drivers with poor credit scores. If your credit rating is lower than you’d like, you could potentially save money when insuring your 2011 Honda Pilot if you clean up your credit.
  • Occupation impacts prices – Occupations such as real estate brokerspolice officers and miners tend to have higher premium rates attributed to high stress levels and long work days. On the other hand, professions such as professors, athletes and homemakers have lower than average premiums on Pilot coverage.
  • The more you drive the more you pay – The more you drive your Honda every year the more it will cost to insure it. Many insurance companies charge to insure your cars partially by how you use the vehicle. Autos that have low annual miles cost less to insure as compared to vehicles used primarily for driving to work. An incorrectly rated Pilot may be wasting your money. It’s a good idea to make sure your policy shows annual mileage.
  • Lower premiums for safer cars – Vehicles with good safety scores can get you lower premiums. These vehicles help reduce the chance of injuries in an accident and fewer injuries means less claims paid and more competitive rates for policyholders. If your Honda Pilot scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Additional coverages that may be costing you – Insurance companies have many additional coverages that you can get tricked into buying if you don’t pay attention. Coverages like rental car reimbursement, death and dismemberment, and term life insurance may not be needed and are just wasting money. The coverages may be enticing when discussing your needs, but your needs may have changed so consider taking them off your policy.
  • How much liability coverage – A critical coverage on your policy, liability insurance will afford coverage if ever you are ruled to be at fault for damages from an accident. This coverage provides you with a defense in court to attempt to prove you were not liable. It is affordable coverage compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Save money with higher deductibles – Your deductibles represent how much money you are required to spend if you file a covered claim. Insurance for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your car. Some instances where coverage would apply are a windshield broken by a bird, damage from fire, or theft of your vehicle. The more damage repair cost you have to pay, the better rate you will receive on Pilot coverage.

Specifics of your auto insurance policy

Understanding the coverages of your auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages available from auto insurance companies.

UM/UIM Coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Honda Pilot.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage protection

Collision insurance covers damage to your Pilot from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like rolling your car, crashing into a building, hitting a mailbox, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, falling objects, damage from flooding, vandalism and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for expenses for things like pain medications, chiropractic care, rehabilitation expenses and dental work. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability auto insurance

This will cover damage or injury you incur to other people or property by causing an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims like legal defense fees, repair bills for other people’s vehicles, court costs, bail bonds and loss of income. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

In the end, you save

While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. In many instances, an insured dropped liability coverage limits and found out when filing a claim they didn’t have enough coverage. The proper strategy is to buy enough coverage at an affordable rate.

Some insurance providers don’t offer the ability to get a quote online and these small, regional companies sell through local independent agents. Cheap 2011 Honda Pilot insurance can be purchased on the web and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis.

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