Cheap 2013 Honda Pilot Insurance Rates

Trying to find better insurance coverage rates for your Honda Pilot? Expensive insurance coverage can drain your savings account and force you to prioritize other expenses. Doing a price comparison is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away. There are many insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, it can be more difficult to compare rates and cut insurance costs.

Choosing the best insurance company for you is not that difficult. If you are insured now or need new coverage, you can follow these tips to find better prices while maximizing coverage. Drivers just need to learn how to get comparison quotes online.

Honda Pilot rates are in the details

An important part of buying insurance is that you know the factors that come into play when calculating your insurance rates. Knowing what determines base rates helps enable you to make changes that will entitle you to better insurance rates.

  • Bundling policies can get discounts – The majority of companies provide better rates to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to shop around to ensure the best deal. Consumers may find a better deal by buying insurance from more than one company.
  • Big city or small town – Living in a small town can be a good thing when buying insurance. Less people living in that area means a lower chance of having an accident. Urban drivers tend to have much more traffic to deal with and much longer commute distances. Longer commute distances means higher likelihood of an accident.
  • Lower rates with optional equipment – Driving a car that has an advanced theft prevention system can save you a little every year. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
  • Extra coverages can waste money – There are many extra bells and whistles that can waste your money if you aren’t careful. Coverages for roadside assistance, accident forgiveness and motor club memberships may be wasting your money. These may sound like a good investment initially, but if you don’t need them eliminate them to save money.

How to Compare Insurance Costs

Comparing insurance rates can take time and effort if you don’t know the best way to get rate quotes. You can waste a few hours (or days) driving to local insurance agents in your area, or you could use online quotes to get the quickest rates.

Most major companies are enrolled in a marketplace that allows shoppers to send in one quote, and at least one company can give them a price for coverage. This eliminates the need for quote requests for every insurance company.

To compare pricing click to open in new window.

The one downside to doing it this way is you cannot specify which insurance companies you will receive quotes from. So if you want to choose individual companies to compare, we have a page of insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but make darn sure you compare the exact same deductibles and coverage limits on every quote you get. If the quotes have mixed coverages it will be next to impossible to truly determine the lowest rate.

Ads can be misleading

Drivers can’t get away from ads that promise big savings by Geico, State Farm and Progressive. They all seem to have a common claim that you can save if you move to their company.

How can each company say the same thing? It’s all in the numbers.

Different companies are able to cherry pick for the right customer they prefer to insure. For example, a driver they prefer might be between the ages of 30 and 50, insures multiple vehicles, and has excellent credit. A customer getting a price quote that hits that “sweet spot” will get very good rates and as a result will probably save a lot of money.

Drivers who do not match these standards will be quoted higher rates and this can result in business going elsewhere. The ad wording is “people who switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can confidently advertise the way they do. This emphasizes why drivers must quote coverage with many companies. Because you never know the company that will fit your personal profile best.

Discounts to lower Honda Pilot insurance rates

Companies offering auto insurance don’t always publicize every discount very clearly, so we break down both the well known and the more hidden discounts you could be receiving. If you’re not getting every credit available, you are throwing money away.

  • Save with a New Car – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
  • Accident Forgiveness – A handful of insurance companies allow you one accident before your rates go up if your claims history is clear for a certain period of time.
  • Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less on Pilot insurance than their less cautious counterparts.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% on Pilot insurance with certain companies.
  • No Accidents – Drivers with accident-free driving histories pay much less when compared to bad drivers.
  • Resident Student – Kids in college who live away from home without a vehicle on campus may qualify for this discount.
  • Defensive Driver – Taking a driver safety course could save 5% or more if you qualify.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Life Insurance Discount – Select insurance companies reward you with better rates if you take out auto and life insurance together.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way.

Car insurance companies that possibly offer these money-saving discounts include:

Before buying, ask each insurance company how you can save money. All car insurance discounts might not apply in your area.

Tailor your coverage to you

When it comes to choosing coverage, there really is no single plan that fits everyone. Every situation is different so your insurance needs to address that. For instance, these questions might help in determining whether you could use an agent’s help.

  • If my pet gets injured in an accident are they covered?
  • Where can I get insurance after a DUI in my state?
  • How much liability do I need to cover my assets?
  • How high should my medical payments coverage be?
  • Why am I required to buy high-risk coverage?
  • Is a fancy paint job covered?
  • When would I need additional glass coverage?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage information

Knowing the specifics of your policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverages found on most auto insurance policies.

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as fire damage, damage from getting keyed and a broken windshield. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Honda Pilot.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like dental work, surgery and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as scraping a guard rail, hitting a parking meter, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Coverage for liability

This provides protection from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as structural damage, pain and suffering and loss of income. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

You can do this!

Cheap 2013 Honda Pilot insurance can be bought on the web as well as from independent agents, so you should compare both to get a complete price analysis. Some insurance companies don’t offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

As you prepare to switch companies, don’t be tempted to buy less coverage just to save a little money. In many cases, someone sacrificed full coverage only to regret that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

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