2008 Honda Pilot Insurance Quotes

Looking for the cheapest insurance rates for your Honda Pilot? Are you sick and tired of scraping the payment together to pay your car insurance bill each month? You’re in the same situation as most other car owners. Popular companies such as Geico, Progressive and Allstate constantly bombard you with fancy advertisements and it is difficult to ignore the flashy ads and take the time to shop coverage around.

Pieces of the Honda Pilot insurance rate puzzle

An important part of buying insurance is that you know the different types of things that play a part in calculating car insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that can help you get much lower annual insurance costs.

  • Keep rates low by being claim-free – If you frequently file small claims, you can definitely plan on higher rates. Insurance companies provide better rates to drivers who file claims infrequently. Insurance coverage is intended for major claims that would cause financial hardship.
  • One company can mean more discounts – Many car insurance companies will award you with lower prices to customers who have multiple policies with them. It’s known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. If you currently are using one company, you still need to shop around to make sure you are getting the best deal.
  • Lower miles equals lower premium – Driving more miles each year the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars based upon how you use the vehicle. Cars that are left in the garage can get a lower rate than those used for commuting. Verify your car insurance coverage shows the proper vehicle usage, because it can save money. Incorrect usage on your Pilot can cost quite a bit.
  • Pay less after the wedding – Getting married actually saves money on car insurance. It means you’re more responsible it has been statistically shown that married drivers get in fewer accidents.
  • Your credit rating is important – A driver’s credit history is a important factor in determining what you pay for car insurance. If your credit score is not that good, you could be paying less to insure your 2008 Honda Pilot by repairing your credit. People with high credit scores tend to be more responsible as compared to drivers with lower credit scores.

Don’t miss these discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available to help bring down the price. Some trigger automatically at the time of purchase, but a few need to be specially asked for prior to receiving the credit. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Drive Less and Save – Driving fewer miles could qualify for better rates on cars that stay parked.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Claim Free – Good drivers with no accidents pay less as compared to bad drivers.
  • New Vehicle Savings – Adding a new car to your policy is cheaper due to better safety requirements for new cars.
  • Multiple Cars – Insuring all your vehicles on the same insurance policy may reduce the rate for each vehicle.
  • No Charge for an Accident – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Pilot coverage than drivers with accident claims.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.

It’s important to understand that some of the credits will not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, insurance companies aren’t that generous. But any discount will reduce your overall premium however.

For a list of insurance companies with discount insurance rates, follow this link.

Can you really save that much by switching?

Consumers can’t ignore all the ads that promise big savings by Progressive, Allstate and Geico. They all seem to make the same claim of big savings if you switch to their company.

How does each company claim to save you money? This is how they do it.

All the different companies have a certain “appetite” for the driver that earns them a profit. For instance, a desirable insured could possibly be between the ages of 40 and 55, a clean driving record, and has a high credit rating. A customer who matches those parameters will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who do not match the requirements will be charged higher rates and ends up with business not being written. The ads state “customers who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can make the claims of big savings.

That is why you need to get as many quotes as possible. Because you never know the company that will have the lowest Honda Pilot insurance rates.

When might I need help?

When choosing the best insurance coverage coverage for your personal vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions can help discover whether or not you might need an agent’s assistance.

  • Why do I need rental car insurance?
  • Is my state a no-fault state?
  • Am I covered when driving on a suspended license?
  • Am I covered when driving someone else’s vehicle?
  • When can my company non-renew my policy?
  • Why am I required to buy liability insurance?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Educate yourself about auto insurance coverages

Knowing the specifics of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages found on the average auto insurance policy.

Medical expense insurance

Med pay and PIP coverage kick in for short-term medical expenses for funeral costs, chiropractic care and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Auto liability insurance

Liability coverage provides protection from injuries or damage you cause to people or other property that is your fault. This coverage protects you from legal claims by others. Liability 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. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as attorney fees, medical expenses and structural damage. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Comprehensive (Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hitting a bird, fire damage, hitting a deer, a tree branch falling on your vehicle and hail damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2008 Honda Pilot.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision insurance

Collision insurance will pay to fix damage to your Pilot from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with a tree, hitting a parking meter, crashing into a building, hitting a mailbox and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Keep this in mind

As you restructure your insurance plan, it’s very important that you do not skimp on coverage in order to save money. There have been many situations where an insured dropped uninsured motorist or liability limits to discover at claim time that they should have had better coverage. Your strategy should be to buy enough coverage at a price you can afford.

In this article, we presented some good ideas how to reduce 2008 Honda Pilot insurance prices online. The key thing to remember is the more providers you compare, the better chance you’ll have of finding lower rates. Consumers could even find that the most savings is with a small mutual company. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive or Geico.

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