Compare 2018 Honda Pilot Car Insurance Rates

Searching for better car insurance rates for your Honda Pilot? Having to pay for pricey Honda Pilot insurance can overdraw your funds and maybe even restrict other spending. Performing a price comparison is a fast and free way to tighten up your finances.

Lots of car insurance companies contend for your insurance dollar, and because of this it can be hard to compare auto insurance companies and uncover the absolute lowest rate

Drivers can save with these discounts

Some providers don’t list every policy discount very well, so we break down both well-publicized and the more hidden discounts you could be receiving when you buy car insurance online. If you do not check that you are getting every discount you deserve, you are throwing money away.

  • Theft Deterent Discount – Vehicles that have factory anti-theft systems are less likely to be stolen and earn discounts up to 10% off your car insurance quote.
  • Include Life Insurance and Save – Auto insurance companies who offer life insurance give lower premium rates if you buy life insurance from them.
  • Federal Government Employee – Having worked for a branch of the government may qualify for a discount when you quote car insurance on Pilot insurance with certain companies.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • One Accident Forgiven – Not really a discount, but a few companies such as Allstate, State Farm and Geico may permit one accident before hitting you with a surcharge if you have no claims before the accident.

We need to note that some of the credits will not apply to the entire policy premium. The majority will only reduce specific coverage prices like liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts will positively reduce the amount you pay for coverage.

To find companies that offer discounts, click this link.

Special considerations

When choosing adequate coverage for your vehicles, there really is no single plan that fits everyone. Each situation is unique so your insurance should reflect that These are some specific questions can aid in determining if your situation will benefit from professional help.

  • Do I need PIP (personal injury protection) coverage in my state?
  • When would I need rental car insurance?
  • How do I insure my teen driver?
  • Will my rates increase for filing one claim?
  • Does insurance cover tools stolen from my truck?
  • How high should my uninsured/underinsured coverage be in my state?
  • Does my insurance cover a custom paint job?
  • Am I covered if hit by an uninsured driver?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How much liability coverage do I need in my state?

If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Can you really save $452 a year?

Insurance providers like State Farm, Allstate and Geico endlessly run television, radio, and online ads. They all try to convey promises about savings just by switching your insurance coverage to their company. How is it possible that every company can offer you a better deal? It’s all in the words they use.

Different companies have specific guidelines for the type of customer that is profitable for them. One example of a desirable risk may be between 30 and 50, has never had a policy lapse, and chooses high deductibles. Any person who matches that profile receive the lowest rate quotes as well as save when switching.

Consumers who do not match those standards may be required to pay a higher rate and ends up with the customer buying from a different company. If you listen closely, the ads state “people that switch” not “everybody who quotes” can get the lowest rates when switching. That is how companies can truthfully advertise the way they do.

Because of the profiling, drivers should get a wide range of price quotes. It’s just too difficult to predict which insurance companies will fit you best based on your risk profile.

Car insurance policy coverages for a Honda Pilot

Understanding the coverages of a car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages found on the average car insurance policy.

Liability coverage

This provides protection from damage that occurs to other people or property. It protects YOU from legal claims by others, and doesn’t cover 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 might see policy limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as medical expenses, legal defense fees, loss of income, structural damage and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, rock chips in glass, a broken windshield, vandalism and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision protection

This covers damage to your Pilot from colliding 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 can pay for claims like scraping a guard rail, sustaining damage from a pot hole, colliding with a tree, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as ambulance fees, prosthetic devices and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Honda Pilot.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually these coverages are set the same as your liablity limits.

Final considerations

As you shop your coverage around, do not skimp on coverage in order to save money. There are many occasions where drivers have reduced liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage at the best possible price but still have enough coverage for asset protection.

Affordable 2018 Honda Pilot insurance can be found both online in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not offer online quoting and these small insurance companies provide coverage only through local independent agents.

You just learned many ideas to reduce 2018 Honda Pilot insurance auto insurance rates online. The key thing to remember is the more providers you compare, the higher your chance of finding low cost car insurance. You may even find the lowest auto insurance rates are with a small local company. These smaller insurers can often provide lower premium rates in certain areas than their larger competitors like State Farm, Geico and Nationwide.

Additional information is available at the links below