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Honda Pilot Insurance Rates

You have lots of choices when trying to insure your Honda vehicle. You can get prices from your neighborhood insurance agent or get quotes online to check prices from companies. Comparing auto insurance by quoting online saves time, is easy to do and at the same time you will probably save money.

Using the web to shop for auto insurance direct is challenging if you are a beginner to online quotes. Don't let that stop you because there is an easy way to compare rates. Finding a lower price on Pilot insurance is a fairly straight forward process. You just have to take a little time comparing rates online from several insurance companies. This can be done by completing this short form.

What factors determine your insurance rates?

Insurance rates for your Honda Pilot can vary widely and are calculated by many factors. Taken into consideration are:

  • High performance increases premiums
  • Any accidents you may have
  • Home and auto can earn discounts
  • Pleasure, commuting or business use can affect rates
  • Special coverage such as replacement cost
  • No claims lowers premiums
  • Having continuous coverage saves you money
  • Whether you rent or own your home

One last important factor that can impact the rate you pay on your Honda is the year of manufacture. New vehicles have a higher value so the costs to repair can inflate annual premiums. Although newer models may have options included like traction control, active head restraints, a backup camera, and an advanced theft deterrent system which can give discounted rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Pilot from available model years below.

Liability coverages

This protects you from damages or injuries you inflict on other's property or people. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase higher limits if possible.

Collision coverage

This coverage pays for damage to your Honda resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible in order to get cheaper Pilot insurance rates.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.

How Much are Honda Pilot Insurance Rates?