Cheaper 2016 Honda Pilot Car Insurance Rates

Searching for better car insurance rates for your Honda Pilot? Overpriced Honda Pilot insurance can bleed your bank account and make it hard to pay other bills. Comparing price quotes is recommended to make sure you’re not throwing money away.

Many insurance companies compete to insure your vehicles, so it’s not easy to compare every provider to discover the definitive best price available.

If you are paying for car insurance now, you should be able to reduce your rates substantially using these methods. Choosing the best insurance company for you is not rocket science. But consumers should learn how the larger insurance companies determine prices and apply this information to your search.

Affordable insurance coverage quotes

Most companies like State Farm, Geico and Progressive allow consumers to get prices on the web. Obtaining pricing is easy for anyone because you just enter your coverage information as detailed in the form. After you complete the form, the quote system collects reports for credit and driving violations and returns a price quote based on the information you submitted. Quoting online streamlines rate comparisons, but the time it takes to visit a lot of sites and type in the same information can be a bit tiresome and repetitive. But it’s very important to perform this step if you are searching for lower prices.

The quickest way to lower your insurance coverage bill requires only one form that gets price quotes from a lot of companies. This type of form saves time, requires less work, and makes price shopping online a little more enjoyable. After sending the form, it is rated and you are able to buy any or none of the quotes that you receive. If you find a better price it’s easy to complete the application and purchase coverage. The whole process takes 15 minutes at the most and can result in significant savings.

If you want to compare pricing, click here and enter your vehicle and coverage information. To compare your current rates, we recommend that you enter the insurance coverages identical to your current policy. This ensures you will get an apples-to-apples comparison using the same coverage and limits.

Car insurance companies offer many types of discounts

Some insurance providers don’t always publicize all available discounts very well, so here is a list a few of the more common and also the more inconspicuous credits that you can use to lower your rates.

  • Drivers Education – Have your child sucessfully take a drivers education course in school or through a local driver safety program.
  • ABS Braking Discount – Vehicles equipped with ABS or steering control have fewer accidents so you can save 10 percent or more.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn better car insurancerates if you take out some life insurance too.
  • Air Bags and Passive Restraints – Options like air bags can get savings of more than 20%.
  • Military Rewards – Having a family member in the military can result in better car insurance rates.
  • Defensive Driver Discount – Taking time to complete a class that teaches driver safety techniques could save 5% or more and easily recoup the cost of the course.
  • Good Driver Discounts – Safe drivers can get discounts for up to 45% lower rates for Pilot coverage compared to accident prone drivers.

A little note about advertised discounts, most discount credits are not given the the whole policy. Most only reduce specific coverage prices like liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, you’re out of luck.

Larger car insurance companies and their offered discounts include:

  • American Family has savings for accident-free, good driver, defensive driver, air bags, early bird, TimeAway discount, and Steer into Savings.
  • Nationwide has discounts for family plan, good student, business or organization, anti-theft, and multi-policy.
  • MetLife offers premium reductions for good student, claim-free, defensive driver, accident-free, and good driver.
  • 21st Century offers discounts including defensive driver, anti-lock brakes, teen driver, 55 and older, and homeowners.
  • Farmers Insurance may offer discounts for distant student, multi-car, alternative fuel, business and professional, electronic funds transfer, early shopping, and good student.
  • Allstate offers discounts for resident student, safe driver, economy car, defensive driver, good student, early signing, and new car.

If you are trying to find the cheapest insurance coverage quotes, ask every insurance company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered on policies in your state. To view insurance companies who offer discounts, click this link.

Informed decisions result in lower insurance premiums

Lots of factors are taken into consideration when you get a price on insurance. Some are obvious such as traffic violations, although some other factors are not quite as obvious such as whether you are married or your commute time.

The items below are most of the major factors companies use to determine your premiums.

  • Lower comp and collision deductibles cost more – Protection for physical damage, also called comprehensive and collision insurance, is used to repair damage to your Honda. Examples of covered claims are running into the backend of another car, hail damage, and damage caused by flying debris. Physical damage deductibles are how much you are required to pay if you file a covered claim. The larger the amount you choose to pay out-of-pocket, the bigger discount you will receive for Pilot coverage.
  • Safer vehicles are cheaper to insure – Safer cars cost less to insure. Safer cars result in less severe injuries and reduced instances of injuries translates into savings for insurance companies and thus lower rates.
  • Keep the miles off and save – Driving more miles in a year’s time the higher your rates will be. A lot of companies calculate rates partially by how you use the vehicle. Cars that sit idle most of the time qualify for better rates compared to those used for work or business. A policy that improperly rates your Pilot can cost quite a bit. Make sure your car insurance coverage is showing the correct usage for each vehicle.
  • Lower rates come with age – Older drivers have been proven to be more responsible, file fewer claims , and usually have better credit.Teenage drivers are proven to be inattentive behind the wheel so car insurance rates are higher.
  • Car and home together may be cheaper – Most insurance companies provide discounts to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Even with this discount applied, you still need to comparison shop to verify if the discount is saving money.

Do I just need basic coverages?

When it comes to buying coverage for your personal vehicles, there is no single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions might help in determining if you might need professional guidance.

  • Am I covered when driving a rental car?
  • Are rental cars covered under my policy?
  • Where can I get insurance after a DUI in my state?
  • What companies insure drivers after a DUI or DWI?
  • What is medical payments coverage?
  • Why is insurance for a teen driver so high?
  • Am I covered if hit by an uninsured driver?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Detailed coverages of your car insurance policy

Learning about specific coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from car insurance companies.

Medical costs insurance

Coverage for medical payments and/or PIP pay for bills like nursing services, hospital visits, prosthetic devices and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability coverages

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

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like court costs, bail bonds and emergency aid. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

UM/UIM Coverage

This gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Honda Pilot.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive or Other Than Collision

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from getting keyed, a broken windshield, theft, damage from a tornado or hurricane and damage from flooding. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage protection

Collision insurance will pay to fix damage to your Pilot caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with another moving vehicle, colliding with a tree, hitting a parking meter, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

The bottom line

As you prepare to switch companies, do not skimp on critical coverages to save a buck or two. There are too many instances where someone dropped liability limits or collision coverage and learned later that they should have had better coverage. The aim is to buy a smart amount of coverage at a price you can afford and still be able to protect your assets.

Some insurance companies may not have the ability to get a quote online regional carriers work with independent agents. Lower-priced insurance is possible both online and from local agencies, and you should compare rates from both in order to have the best chance of saving money.

Additional insurance information is available on the following sites: