View 2018 Honda Pilot Insurance Quotes

Buyers have lots of choices when searching for the best price on Honda Pilot insurance. They can either spend hours contacting agents to get rate comparisons or save time using the internet to get rate quotes. There are more efficient ways to find insurance coverage online so we’re going to tell you the quickest way to quote coverages for a Honda and locate the lowest price from both online companies and local agents.

If you are insured now or are looking for a new policy, you will benefit by learning to reduce the price you pay while maximizing coverage. The purpose of this post is to help educate you on how to get online quotes. Consumers only need an understanding of the proper way to buy auto insurance online.

Compare free insurance quotes

Reducing your 2018 Honda Pilot insurance rates doesn’t have to be difficult. You just have to spend a little time getting comparison quotes to find the company with low cost auto insurance quotes. You can get a good selection of rate quotes using a couple different methods.

  1. The most efficient way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This quick form saves time by eliminating repetitive form submissions to each individual insurance company. In just a few minutes this one form gets coverage cost estimates from several companies. It’s definitely the quickest method.
  2. A different way to find better pricing requires visiting each company’s website and fill out their own quote form. For examples sake, we’ll pretend you want to get rates from Progressive, 21st Century and American Family. To get each rate you have to take the time to go to each site and enter your information, which can take a lot of time.

    To view a list of companies in your area, click here.

  3. The last way of getting rate comparisons is to spend time driving to insurance agents’ offices. Comparing rate quotes online makes this process obsolete unless your situation requires the professional advice of a local agency. You can, however, compare online quotes but still have the advice of a local agent.

It’s your choice how you get your quotes, but do your best to use apples-to-apples coverage information for each comparison quote. If you have different deductibles you can’t possibly get a fair rate comparison.

Verify you’re applying every discount

Insurance coverage can be pricey, but there could be available discounts that many people don’t even know exist. Some discounts will apply at the time of quoting, but a few must be specifically requested before you get the savings.

  • Policy Bundle Discount – If you can combine your auto and home policy with the same company they may give you a discount of over 10 percent off each policy depending on the company.
  • Mature Driver Discount – Mature drivers are able to get a small decrease in premiums for Pilot insurance.
  • Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
  • Government Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease for Pilot insurance depending on your insurance coverage provider.
  • College Student – Any of your kids who are attending college and won’t have access to an insured vehicle can receive lower rates.
  • Homeowners Pay Less – Owning a home may earn you a small savings because owning a home shows financial diligence.
  • Full Payment Discount – If you can afford to pay the entire bill instead of monthly or quarterly installments you can avoid the installment charge.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.

We need to note that most discount credits are not given to the entire policy premium. Most cut individual premiums such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, that’s just not realistic.

Large insurance coverage companies and their offered discounts are outlined below.

  • Progressive may include discounts for multi-vehicle, online signing, good student, continuous coverage, and multi-policy.
  • The Hartford offers discounts including air bag, bundle, anti-theft, good student, defensive driver, and vehicle fuel type.
  • Mercury Insurance discounts include annual mileage, ease of repair, location of vehicle, good driver, and anti-theft.
  • Geico offers premium reductions for defensive driver, military active duty, daytime running lights, anti-lock brakes, membership and employees, multi-policy, and multi-vehicle.
  • AAA has savings for anti-theft, multi-policy, good student, pay-in-full, multi-car, and good driver.
  • State Farm may have discounts that include good driver, Drive Safe & Save, multiple policy, multiple autos, driver’s education, accident-free, and Steer Clear safe driver discount.

Check with all companies you are considering the best way to save money. Depending on the company, some discounts may not be available in your area. To see companies who offer online insurance coverage quotes, follow this link.

Smart buyers can cut insurance costs

It’s important that you understand some of the factors that are used to determine insurance rates. When you understand what controls the rates you pay, this enables you to make decisions that could result in lower rates. Many different elements are considered when you get a price on insurance. Most are fairly basic like a motor vehicle report, although some other factors are more transparent like your continuous coverage or how safe your car is.

The following are a partial list of the pieces utilized by car insurance companies to help set your prices.

  • Poor credit can mean higher premiums – Having a good credit rating can be a huge factor in determining what you pay for insurance. Therefore, if your credit score can be improved, you could pay less to insure your 2018 Honda Pilot by improving your credit score. Insureds that have high credit scores tend to be better risks to insure than those with worse credit.
  • Certain vocations raise rates – Did you know your job can affect your rates? Occupational choices like doctorsair traffic controllers and dentists are shown to have higher rates than the rest of us attributed to intense work situations and extremely grueling work hours. Other occupations like farmers, athletes and retirees get better rates for Pilot insurance.
  • Battle of the sexes – Over the last 30 years, statistics show females are less aggressive when driving. It does not mean men are worse drivers. Males and females are responsible for auto accidents in similar percentages, but the male of the species tend to have higher claims. They also have more aggressive citations such as DWI and reckless driving.
  • Accidents drive up prices – Your driving record impacts your car insurance rates tremendously. Having a single speeding ticket or other violation can increase the cost of insurance by twenty percent. Careful drivers pay less for auto insurance as compared to careless drivers. Drivers who have severe violations like DUI, reckless driving or excessive speeding may face state-mandated requirements to maintain a SR-22 with their state in order to continue driving.
  • Alarms and GPS tracking lowers prices – Choosing to buy a car with a theft deterrent system can save you some money. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms all help stop auto theft.
  • Insurance policy lapses increase rates – Driving without insurance coverage in place is a misdemeanor and you will pay a penalty because you let your insurance lapse for non-payment. Not only will you pay higher rates, the inability to provide proof of insurance might get you a revoked license or a big fine.
  • Raising coverage deductibles lowers rates – Comprehensive and collision coverage deductibles tell how much you are willing to pay if a claim is determined to be covered. Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered would be collision with another vehicle, damage caused by hail, or theft of your vehicle. The more of the claim you choose to pay out-of-pocket, the less money you will pay for insurance for Pilot insurance.

When should I discuss my situation with an agent?

When it comes to choosing coverage, there really is not a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine if your insurance needs will benefit from professional help.

  • Are my tools covered if they get stolen from my vehicle?
  • Does liability extend to a camper or trailer?
  • Does medical payments coverage apply to all occupants?
  • Is business equipment covered while in my vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • Can my teen driver be rated on a liability-only vehicle?
  • Are my friends covered when driving my 2018 Honda Pilot?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Save $457 a year. For real?

Consumers can’t get away from ads for the lowest price insurance coverage from companies such as 21st Century, Allstate and State Farm. All the companies try to convey promises that you’ll save big if you change your coverage.

How can each company lower your rates? Here is the trick they use.

Insurance coverage companies have specific criteria for the type of driver that will generate a profit. One example of a driver they prefer may be over the age of 50, owns their home, and has great credit. A driver that meets those criteria will get very good rates and is almost guaranteed to save quite a bit of money when switching.

Potential customers who fall short of this stringent profile will get a more expensive rate and business going elsewhere. If you pay attention, the ads say “people who switch” but not “all drivers who get quotes” save money. That’s why companies can lure you into getting a quote. Because of these techniques, you absolutely need to compare rate quotes every year. It’s impossible to know the company that will be your best fit.

Insurance coverage considerations

Knowing the specifics of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Liability auto insurance – This can cover damage that occurs to people or other property in an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as court costs, repair bills for other people’s vehicles, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Collision coverages – This pays for damage to your Pilot resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a ditch, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision) – This will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like falling objects, damage from a tornado or hurricane, damage from flooding and damage from getting keyed. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Honda Pilot.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as prosthetic devices, X-ray expenses, doctor visits and dental work. They are used in conjunction with a health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Money doesn’t grow on trees

You just read a lot of techniques to lower your 2018 Honda Pilot insurance prices. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest prices are with the smaller companies.

People who switch companies do it for a number of reasons such as policy cancellation, high prices, delays in paying claims or even lack of trust in their agent. Regardless of your reason, choosing a new company is actually quite simple.

As you shop your coverage around, it’s very important that you do not skimp on coverage in order to save money. Too many times, an insured cut liability coverage limits and learned later they didn’t have enough coverage. Your aim should be to purchase plenty of coverage at the best cost but still have enough coverage for asset protection.

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