Compare 2012 Honda Pilot Car Insurance Quotes

Looking for lower auto insurance rates for your Honda Pilot? When looking for lower-priced insurance, are you frustrated by the dozens of auto insurance providers available to you? Consumers have so many options that it can quickly become a chore to find lower prices.

Buying car insurance is not rocket science. In a nutshell, every vehicle owner who is required by state law to have auto insurance will more than likely be able to reduce their rates. But car owners need to learn how big insurance companies determine prices because it can help you find the best coverage.

Shop auto insurance online

Most companies like State Farm, Geico and Progressive allow consumers to get coverage prices on the web. Getting online quotes is quite easy because you just enter your coverage preferences into the quote form. Behind the scenes, their system gets credit information and your driving record and returns a price based on the information you submitted.

Online price quotes makes comparing rates easy, but the time it takes to visit many different websites and type in your information is not the best way to spend an afternoon. But it’s very important to do this if you want to find the best price on auto insurance.

There is a better way!

A quicker way to find lower prices is to use a quote form to obtain quotes from several different companies. It saves time, reduces the work, and makes online price comparison much simpler. Once the form is submitted, it is rated and you can select any of the resulting price quotes. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The entire process can be completed in a matter of minutes and can result in significant savings.

To compare pricing, simply click here to open in new window and submit the form. If you have a policy now, it’s recommended that you enter coverages and limits as shown on your current policy. This makes sure you will receive a price comparison based on the exact same insurance coverage.

Don’t overlook these insurance discounts

Companies offering auto insurance don’t always publicize every possible discount very clearly, so the below list has both well-publicized and the harder-to-find credits that may apply to you.

  • Paper-free Discount – A handful of companies will discount your bill up to fifty bucks get insurance coverage on their website.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Auto/Life Discount – Larger insurance companies have a small discount if you purchase life insurance from them.
  • One Accident Forgiven – Not really a discount, but companies like Libery Mutual, Geico and Allstate will turn a blind eye to one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to use a seat belt could save 15% off the medical payments premium.

One thing to note about discounts is that many deductions do not apply the the whole policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, you’re out of luck.

A list of companies and a partial list of their discounts can be found below.

  • State Farm offers discounts for multiple autos, good student, accident-free, passive restraint, anti-theft, Drive Safe & Save, and driver’s education.
  • Geico may offer discounts for multi-vehicle, air bags, good student, daytime running lights, and emergency military deployment.
  • SAFECO has savings for accident prevention training, homeowner, bundle discounts, teen safety rewards, multi-car, drive less, and anti-lock brakes.
  • Farmers Insurance discounts include pay in full, teen driver, youthful driver, electronic funds transfer, multi-car, and mature driver.
  • AAA offers discounts including AAA membership discount, good driver, multi-policy, anti-theft, and multi-car.
  • USAA offers premium reductions for defensive driver, vehicle storage, multi-vehicle, military installation, driver training, loyalty savings, and family discount.

Check with each company to give you their best rates. Depending on the company, some discounts might not be offered in your area. To choose insurance companies that offer many of these discounts, click this link.

Informed drivers save on insurance

Smart consumers have a good feel for the different types of things that go into determining the level of your policy premiums. If you have some idea of what determines base rates, this empowers consumers to make smart changes that may result in lower rates.

The following are some of the things utilized by car insurance companies to help set rates.

  • Safety ratings are a factor – Vehicles with good safety scores tend to have better insurance rates. Vehicles built for safety have better occupant injury protection and reduced instances of injuries means less claims paid which can mean better rates for you. If your Honda Pilot has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • City traffic equals higher costs – Having an address in a small town can be a good thing when insuring your vehicles. Less people translates into fewer accident claims and also fewer theft and vandalism claims. Drivers in populated areas have more traffic problems and more time behind the wheel. More time behind the wheel means higher likelihood of an accident.
  • Frequent claims will cost you more – If you’re an insured who likes to file claims you can definitely plan on higher rates. Car insurance companies provide discounts to people who do not file claims often. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Obey driving laws and save – Having a single ticket can increase the cost of insurance substantially. Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. Drivers who have multiple violations such as DUI or reckless driving may find they need to file a SR-22 to the state department of motor vehicles in order to prevent their license from being revoked.

When to get professional advice

When buying coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that may help you determine whether you might need professional guidance.

  • Do I pay less if my vehicle is kept in my garage?
  • Is my custom paint covered by insurance?
  • Does coverage extend to my business vehicle?
  • Do I need replacement cost coverage?
  • What is PIP insurance?
  • Are there companies who specialize in insuring high-risk drivers?
  • Exactly who is provided coverage by my policy?
  • What can I do if my company denied a claim?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Coverages available on your car insurance policy

Understanding the coverages of a car insurance policy can be of help when determining which coverages you need for your vehicles. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Liability coverage

This coverage provides protection from injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as pain and suffering, funeral expenses and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Collision insurance

Collision coverage covers damage to your Pilot resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like backing into a parked car, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also increase the deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like pain medications, funeral costs and dental work. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, hail damage and rock chips in glass. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Buy Smart and Save

Cheaper 2012 Honda Pilot insurance is attainable on the web and from local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who do not offer online rate quotes and usually these smaller providers provide coverage only through independent agencies.

We covered a lot of techniques to shop for 2012 Honda Pilot insurance online. The key thing to remember is the more you quote insurance coverage, the better likelihood of getting inexpensive insurance coverage. You may be surprised to find that the best price on car insurance is with some of the lesser-known companies.

As you go through the steps to switch your coverage, it’s very important that you do not buy poor coverage just to save money. There are too many instances where an accident victim reduced uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy the best coverage you can find at the best cost and still be able to protect your assets.

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