Compare 2017 Honda Pilot Insurance Quotes

Trying to find the cheapest insurance coverage rates for your Honda Pilot? Do you get exhausted from robbing Peter to pay Paul to pay insurance coverage each month? You are in the same boat as the majority of other vehicle owners. Due to the large number of different company options, it can be hard to locate the cheapest insurer.

Discounts can really help to save

Insuring your fleet can be pricey, but you might already qualify for some discounts to help offset the cost. Certain discounts will be applied at the time of quoting, but a few need to be manually applied in order for you to get them. If you are not receiving all the discounts you deserve, you may be paying too high a price.

  • Memberships – Being a member of specific professional or occupational memberships or organizations could qualify you for a break on your bill.
  • Own a Home and Save – Simply owning a home may trigger a policy discount on insurance since owning and maintaining a home requires personal responsibility.
  • Discount for Low Mileage – Driving fewer miles can earn slightly better insurancerates than normal.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to use their safety belts can save 10% or more off the personal injury premium cost.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.
  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
  • Bundled Policy Discount – If you insure your home and vehicles with the same insurance company you could save up to 20% and get you low cost car insurance.
  • Driver Education Discount – Require your teen driver to take driver’s ed class as it will make them better drivers and lower rates.
  • Good Drivers – Safe drivers can save up to 40% or more on their car insurance quote for Pilot coverage than less cautious drivers.
  • Anti-lock Brake System – Cars equipped with ABS or steering control can avoid accidents and will save you 10% or more.

One last thing about discounts, some of the credits will not apply to all coverage premiums. Most only reduce specific coverage prices like collision or personal injury protection. Despite the appearance that all the discounts add up to a free policy, companies don’t profit that way. Any amount of discount will definitely lower your policy cost.

A list of companies and their offered discounts can be read below.

  • State Farm has discounts for passive restraint, driver’s education, Steer Clear safe driver discount, multiple policy, and multiple autos.
  • Farmers Insurance discounts include pay in full, early shopping, electronic funds transfer, teen driver, and multi-car.
  • Geico offers discounts for defensive driver, anti-theft, driver training, air bags, and multi-policy.
  • American Family offers discounts including bundled insurance, defensive driver, good student, multi-vehicle, early bird, and TimeAway discount.
  • Nationwide has savings for family plan, multi-policy, anti-theft, accident-free, defensive driving, good student, and Farm Bureau membership.
  • Progressive policyholders can earn discounts including continuous coverage, good student, multi-vehicle, online signing, and homeowner.

Before purchasing a policy, check with every insurance company the best way to save money. Some of the discounts discussed earlier might not be offered on policies in your area.

How to compare insurance quotes

Most larger insurance companies like State Farm, Geico and Progressive make it easy to get coverage price quotes from their websites. This process is fairly simple because you just enter your coverage information as requested by the quote form. Upon sending the form, their quoting system sends out for your driving record and credit report and returns a price determined by many factors. Quoting online streamlines rate comparisons, but the work required to visit different websites and type in the same data can be a bit repetitive. But it’s very important to do this if you want to find lower prices.

A better way to get multiple rate quotes uses just one form to obtain quotes from more than one company. It’s a real time-saver, eliminates repetitive work, and makes online quotes much more enjoyable and efficient. After your information is entered, it gets priced and you can select any one of the quotes returned. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. The entire process can be completed in less than 10 minutes and may save quite a bit of money.

If you want to get comparison pricing now, click here and fill out the form. If you have a policy now, it’s recommended you complete the form with coverages and limits exactly as shown on your declarations page. This makes sure you will have a price comparison based on identical coverages.

Will just any policy work for me?

When buying the right insurance coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your insurance needs might need professional guidance.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I have coverage when using my vehicle for my home business?
  • Does my insurance cover my expensive audio equipment?
  • Do I have coverage for damage caused while driving under the influence?
  • Which is better, split liability limits or combined limits?
  • Does my 2017 Honda Pilot qualify for pleasure use?
  • What is covered by UM/UIM coverage?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Educate yourself about insurance coverages

Learning about specific coverages of insurance aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages available from insurance companies.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like nursing services, X-ray expenses, EMT expenses and surgery. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability auto insurance

Liability insurance provides protection from damages or injuries you inflict on people or other property that is your fault. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against things like funeral expenses, court costs, attorney fees and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Honda Pilot.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Coverage for collisions

This covers damage to your Pilot caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with a tree, driving through your garage door, hitting a mailbox, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

You can do this!

We’ve covered a lot of ways to compare 2017 Honda Pilot insurance rates online. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even discover the best rates are with a small mutual company. Smaller companies can often provide lower auto insurance rates in certain areas as compared to the big name companies such as Progressive and Geico.

Budget-conscious 2017 Honda Pilot insurance can be purchased on the web in addition to local insurance agencies, and you need to comparison shop both to have the best selection. There are still a few companies who may not provide online rate quotes and many times these small insurance companies work with independent agencies.

Additional information