2015 Honda Pilot Insurance Quotes

Are you kicking yourself for buying an underperforming, overpriced car insurance policy? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out. Many auto insurance companies compete for your business, and because of this it can be hard to compare insurers and uncover the absolute best rate

It’s important to get comparison quotes at least once a year because insurance prices are variable and change quite frequently. If you had the best rates on Pilot insurance two years ago there is a good chance you can find better rate quotes now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the right way to buy cheaper car insurance.

If you have a policy now or need new coverage, you can use this information to shop for the lowest rates while maximizing coverage. Finding affordable coverage is quite easy. Drivers just need to learn how to shop for car insurance online.

More discounts mean cheap premiums

Companies don’t always list every discount they offer very clearly, so we break down a few of the more well known and the more hidden savings tricks you should be using when you buy insurance coverage online.

  • Theft Deterent System – Cars and trucks that have factory anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
  • Clubs and Organizations – Affiliation with certain professional organizations is a good way to get lower rates when getting a insurance coverage quote.
  • Save with More Vehicles Insured – Drivers who insure all your vehicles on one policy qualifies for this discount.
  • Savings for New Vehicles – Buying a new car instead of a used car can be considerably cheaper because newer vehicles are generally safer.
  • Online Discount – A few insurance companies give back up to $50 for completing your application online.
  • Defensive Driver Discounts – Passing a class that teaches defensive driver techniques can save you 5% or more and easily pay for the cost of the class.
  • Low Mileage – Low mileage vehicles could qualify for cheaper prices.
  • Military Rewards – Having a deployed family member could be rewarded with lower rates.

Discounts lower rates, but most discount credits are not given to the entire policy premium. A few only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think you can get free auto insurance, insurance coverage companies aren’t that generous.

A list of insurance coverage companies and some of the discounts are shown below.

  • Mercury Insurance may include discounts for accident-free, type of vehicle, annual mileage, professional/association, and anti-theft.
  • Farmers Insurance has savings for business and professional, pay in full, alternative fuel, electronic funds transfer, bundle discounts, and good student.
  • Farm Bureau discounts include good student, renewal discount, driver training, multi-vehicle, and multi-policy.
  • State Farm has discounts for multiple autos, passive restraint, driver’s education, Drive Safe & Save, anti-theft, and defensive driving training.
  • Allstate policyholders can earn discounts including FullPay discount, economy car, new car, premier discount, anti-lock brakes, and safe driver.
  • Geico may offer discounts for emergency military deployment, multi-vehicle, seat belt use, anti-lock brakes, and daytime running lights.

Check with each company what discounts are available to you. Depending on the company, some discounts may not apply to policyholders in your state.

Compare quotes for insurance coverage

Many insurance companies give prices for coverage directly from their websites. Obtaining pricing is fairly straightforward because it’s just a matter of typing in your coverage information as requested by the quote form. After the form is submitted, their quoting system obtains your driving record and credit report and quotes a price based on these and other factors. Online quotes makes it simple to compare prices but having to visit multiple sites and type in the same information is repetitive and time-consuming. But it’s absolutely necessary to have as many quotes as possible in order to get the lowest insurance coverage rates.

Compare rates the easy way

An easier way to locate the lowest prices is to use a quote form to obtain quotes from many companies. The form is fast, requires much less work on your part, and makes online shopping a lot less work. As soon as the form is sent, it is quoted and you can select any or none of the quote results. If you find a better price you simply finish the application and buy the new coverage. The whole process takes less than 15 minutes and you will find out if you’re overpaying now.

In order to use this form to compare rates, click here and submit the form. If you have your current policy handy, we recommend you replicate deductibles and limits exactly as they are listed on your policy. Doing this guarantees you’re receiving a rate comparison for the exact same coverage.

Decisions you make can impact your insurance prices

Lots of things are taken into consideration when pricing auto insurance. Some of the criteria are obvious like your driving record, but other criteria are less apparent like your vehicle usage or your financial responsibility.

  • Annual mileage and car insurance prices – The more you drive every year the higher the price you pay to insure it. Almost all companies rate vehicles based upon how you use the vehicle. Autos that sit idle most of the time can get a lower rate as compared to vehicles used primarily for driving to work. It’s a smart idea to ensure your car insurance policy shows the correct usage, because it can save money. An incorrectly rated Pilot is throwing money out the window.
  • Increase coverage deductibles to save – Insurance for physical damage to your car, aka comp and collision, protects your Honda from damage. Some examples of covered claims would be colliding with a building, collision with an animal, and windstorm damage. Physical damage deductibles are the amount of money the insured will be required to pay if the claim is covered. The higher the amount you have to pay, the better rate you will receive on Pilot insurance.
  • Gender and car insurance – The statistics show that women are safer drivers than men. This data doesn’t prove that females are better at driving than males. Women and men have fender benders in similar percentages, but the males have costlier accidents. Not only are claims higher, but men get more serious tickets such as reckless driving. Young males generally have the highest accident percentage and are penalized with high car insurance rates.
  • Your location is a factor – Choosing to live in a small town can save you money when buying car insurance. People in densly populated areas tend to have congested traffic and more severe claims. Less people living in that area means reduced accidents as well as less vandalism and auto theft.
  • Excellent credit equals lower costs – An insured’s credit rating can be a huge factor in calculating your car insurance rates. People with very good credit scores tend to file fewer claims and have better driving records as compared to drivers with bad credit. If your credit rating could use some work, you could be paying less to insure your 2015 Honda Pilot by improving your credit score.

It’s not one size fits all

When choosing coverage for your personal vehicles, there really is no single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that For example, these questions may help you determine if you may require specific advice.

  • What if I don’t agree with a claim settlement offer?
  • When should I not file a claim?
  • Can I rent a car in Mexico?
  • Is my teenager covered with friends in the car?
  • Do I have coverage when using my vehicle for my home business?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What if I total my 2015 Honda Pilot and owe more than it’s worth?
  • Is my babysitter covered when using my vehicle?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Insurance coverage basics

Knowing the specifics of insurance aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types available from insurance companies.

Liability insurance – Liability insurance protects you from damage or injury you incur to people or other property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like structural damage, funeral expenses, pain and suffering and court costs. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverages – Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as driving through your garage door, damaging your car on a curb, sustaining damage from a pot hole, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your 2015 Honda Pilot.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for doctor visits, chiropractic care and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, falling objects, vandalism and rock chips in glass. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Compare but don’t skimp

Lower-priced 2015 Honda Pilot insurance is available online in addition to many insurance agents, and you should compare rates from both so you have a total pricing picture. Some companies may not have the ability to get quotes online and many times these smaller providers sell through independent agents.

In this article, we presented many tips how you can lower your 2015 Honda Pilot insurance premium rates. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding low cost insurance coverage. You may be surprised to find that the most savings is with the least-expected company. Some small companies may often insure only within specific states and give getter rates compared to the large companies like Allstate or State Farm.

As you quote insurance coverage, never buy poor coverage just to save money. There have been many cases where someone dropped uninsured motorist or liability limits only to find out that the savings was not a smart move. Your objective should be to buy enough coverage at the best possible price.

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