View 2009 Honda Pilot Insurance Quotes

Searching for the cheapest auto insurance rates for your Honda Pilot? Tired of being strong-armed to pay your car insurance bill each month? You are no different than most other car owners. Companies like State Farm, Progressive and Geico continually bombard you with ads and it is difficult to ignore the promise of big savings and take the time to shop coverage around.

Honda Pilot insurance rates have many determining factors

Smart consumers have a good feel for some of the elements that come into play when calculating the rates you pay for car insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that could result in better car insurance rates.

  • Drive less and save money – The more miles you rack up on your Honda each year the higher your rates will be. The majority of insurers charge to insure your cars based on their usage. Vehicles used primarily for pleasure use receive lower rates compared to those used for work or business. Improper usage on your Pilot may be costing you. Double check that your car insurance policy shows how each vehicle is driven, because improper ratings can cost you money.
  • Your job and insurance rates – Careers like doctors, business owners and accountants are shown to have higher rates than average attributed to stressful work requirements and long work hours. On the flip side, jobs such as pilots, athletes and retirees pay the least for Pilot coverage.
  • Marriage pays dividends – Getting married helps lower the price on your policy. Marriage is viewed as being more mature and responsible it has been statistically shown that drivers who are married are more cautious.
  • Liability insurance protects assets – Your policy’s liability coverage is the protection if ever a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
  • Lower rates come with age – Teen drivers are known to be careless and easily distracted when driving so they pay higher car insurance rates. If you’ve ever had to add a youthful driver onto a policy can be quite pricey. More mature drivers are more cautious drivers, file fewer claims and tend to be better behind the wheel.

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How to reduce Honda Pilot insurance rates

Car insurance can cost a lot, but there could be available discounts to help offset the cost. Certain discounts will be triggered automatically at quote time, but lesser-known reductions have to be requested specifically before you will receive the discount. If you don’t get every credit available, you are throwing money away.

  • No Claims – Drivers who don’t have accidents pay less when compared to accident-prone drivers.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up to age 25.
  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% for Pilot coverage with select insurance companies.
  • Multiple Vehicles – Buying insurance for multiple vehicles on the same insurance coverage policy qualifies for this discount.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • E-sign – Some insurance companies may give you up to $50 for buying your policy over the internet.
  • New Car Discount – Insuring a new car is cheaper since new cars are generally safer.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Most cut individual premiums such as comp or med pay. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way. But all discounts will reduce the cost of coverage.

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

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there really is not a cookie cutter policy. Each situation is unique and your policy should reflect that. Here are some questions about coverages that can aid in determining whether or not you might need an agent’s assistance.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Where can I find DUI or SR-22 insurance?
  • Do I have coverage for damage caused while driving under the influence?
  • Should I rate my 2009 Honda Pilot as pleasure use or commute?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do all my vehicles need collision coverage?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Auto insurance coverages 101

Learning about specific coverages of your auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average auto insurance policy.

Collision coverage

This pays for damage to your Pilot resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with another moving vehicle, sideswiping another vehicle, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Auto liability

Liability insurance provides protection from damage that occurs to other people or property. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for things like medical services, bail bonds, repair costs for stationary objects and loss of income. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for expenses for things like X-ray expenses, funeral costs and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, hail damage, hitting a bird, theft and rock chips in glass. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Make a quick buck

Budget-conscious 2009 Honda Pilot insurance can be sourced both online in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

When trying to cut insurance costs, never sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. The proper strategy is to buy enough coverage at an affordable rate, not the least amount of coverage.

In this article, we covered a lot of information how to get a better price on insurance. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. You may even discover the lowest premiums are with a small local company. They may cover specific market segments cheaper than their larger competitors like Progressive and Geico.

To learn more, take a look at the resources below:

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