Protecting Your Honda Pilot Just Got A Whole Lot Cheaper

Shoppers have many options when shopping for low-cost Honda Pilot insurance. They can either waste time contacting agents to compare prices or utilize the internet to make rate comparisons.

There are more efficient ways to buy auto insurance and we’ll show you the quickest way to get price quotes for a new or used Honda and obtain the best price possible from both online companies and local agents.

It’s smart to compare prices yearly because prices are variable and change quite frequently. If you had the lowest price on Pilot insurance a couple years back you can probably find a better price now. Forget all the misinformation about auto insurance because you’re about to find out how to use online quotes to find the best coverage while lowering your premiums.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using these methods. The purpose of this article is to help you learn how to get online quotes and some tricks to saving. But consumers benefit from understanding the methods companies use to price online insurance and use this information to your advantage.

Your Honda Pilot insurance rate is a complex equation

It’s important that you understand the rating factors that come into play when calculating your auto insurance rates. Knowing what influences your rates helps enable you to make changes that may reward you with big savings.

The list below includes some of the factors that factor into rates.

  • Older drivers save more – Older insureds are viewed as being more responsible, file fewer claims and get fewer tickets. Youthful drivers tend to be less responsible when behind the wheel and because of this, their auto insurance rates are much higher.
  • Add-on coverages can add up – There are a ton of additional coverages that you can buy if you aren’t careful. Coverages for rental car reimbursement, towing coverage and additional equipment coverage may be costing you every month. These may sound like a good investment at first, but now you might not need them so eliminate them to save money.
  • Claim-free discounts can add up – Auto insurance companies generally give cheaper rates to policyholders who do not file claims often. If you frequently file small claims, you can definitely plan on either higher rates or even cancellation. Car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • The type of vehicle makes a difference – The make and model of the vehicle you are buying insurance for makes a huge difference in the rate you pay. The cheapest insurance rates tend to be for small economy passenger cars, but there are many factors that impact the final cost. Since the Honda Pilot is considered a standard SUV, rates will be slighty more as compared to the average rate.
  • Don’t sacrifice liability coverage – Liability insurance is the coverage that protects you if a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
  • Your auto insurance rates can be influenced by your job – Occupations like doctors, social workers and dentists tend to have the highest average rates attributed to stressful work requirements and long work hours. Other occupations such as scientists, historians and the unemployed receive lower rates on Pilot insurance.

Cut your premium with discounts

Insurance can be prohibitively expensive, but you can get discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of quoting, but a few need to be manually applied prior to receiving the credit.

  • Defensive Driver – Completing a course in driver safety can save you 5% or more depending on where you live.
  • Paperless Signup – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Organization Discounts – Affiliation with a civic or occupational organization may earn a discount on your policy on Pilot insurance.
  • Auto/Home Discount – When you have multiple policies with one insurance company you may save up to 20% off your total premium.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Save with a New Car – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Multi-car Discount – Having more than one vehicle on one policy qualifies for this discount.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think all the discounts add up to a free policy, you won’t be that lucky. Any amount of discount will bring down the cost of coverage. insurance quotes

To see a list of companies with the best auto insurance discounts, click this link.

The fine print in auto insurance ads

Auto insurance providers like Allstate, GEICO and Progressive continually stream ads on television and other media. They all make an identical promise that you’ll save big after switching your coverage to them. But how can every company make the same claim? It’s all in the numbers.

All companies have a preferred profile for the type of customer that earns them a profit. An example of a profitable customer might be between 25 and 40, a clean driving record, and has a high credit rating. A propective insured who matches those parameters gets the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Drivers who don’t measure up to these standards will have to pay a higher premium which leads to business going elsewhere. The ad wording is “customers who switch” but not “drivers who get quotes” save that kind of money. That’s the way insurance companies can make the claims of big savings.

Because of the profiling, it is so important to compare as many rates as you can. Because you never know the company that will have the lowest rates.

What is the best insurance coverage?

When buying proper insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.

Pilot insurance

  • Do I need roadside assistance coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered when driving a rental car?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I need higher deductibles?
  • Exactly who is provided coverage by my policy?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

In Summary

You just learned a lot of techniques to get a better price on Honda Pilot insurance. The key thing to remember is the more price quotes you have, the better likelihood of reducing your rate. You may be surprised to find that the most savings is with a smaller regional carrier.

The cheapest Honda Pilot insurance is attainable both online and with local insurance agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who do not offer online price quotes and these regional insurance providers work with independent agents.

Consumers change insurance companies for any number of reasons including unfair underwriting practices, high rates after DUI convictions, poor customer service or even an unsatisfactory settlement offer. Regardless of your reason, switching auto insurance companies is not as hard as you think.