View 2004 Honda Pilot Car Insurance Quotes

Have you fallen victim to an overpriced car insurance policy? Believe me when I say you are not the only one feeling buyer’s remorse.

Lots of car insurance companies contend to insure your vehicles, so it can be very hard to choose a insurance company to find the best rate

You should make it a habit to shop coverage around once or twice a year because insurance rates change quite often. Despite the fact that you may have had the best price on Pilot insurance a couple years back the chances are good that you can find a lower rate today. Starting right now, forget anything you know (or think you know) about car insurance because it’s time to teach you the quickest way to reduce your cost while increasing coverage.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these techniques. Finding affordable coverage is not rocket science. But vehicle owners can benefit from knowing the methods companies use to market insurance on the web and take advantage of how the system works.

Where Can I Get Cheap Auto Insurance?

When shopping for auto insurance there are multiple ways to compare rate quotes from auto insurance companies in your area. The fastest way to compare 2004 Honda Pilot insurance prices is simply to get online rate quotes. This is very easy and can be done in just a few minutes using one of these methods.

The single most time-saving way to compare a lot of rates at once is a comparison rater form click to view form in new window. This method eliminates the need for separate quotes for each company. Filling out one form gets you coverage quotes from multiple low-cost companies.

Another way to find lower rates consists of visiting each company’s website to complete a price quote. For examples sake, let’s say you want to compare rates from GEICO, 21st Century and GMAC. To get each rate you have to spend time on each company’s site and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

It’s your choice how you get your quotes, but make darn sure you compare identical quote information with every price quote. If you have different values for each quote you can’t possibly determine which rate is truly the best. Quoting even small variations in coverages can make a big difference in price. And when comparing auto insurance rates, know that comparing more company’s prices will improve the odds of getting the best rates.

How to save on Honda Pilot insurance

The cost of insuring your cars can be expensive, but companies offer discounts that can drop the cost substantially. A few discounts will automatically apply when you purchase, but less common discounts must be specifically requested in order for you to get them.

  • Defensive Driver – Taking part in a defensive driving course could save 5% or more if your company offers it.
  • Claim Free – Claim-free drivers pay less when compared to drivers who are more careless.
  • Payment Method – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you will save up to 20% off your total premium.
  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower premiums.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks just for signing your application on their website.
  • Auto/Life Discount – Larger companies have a break if you buy a life insurance policy as well.

Drivers should understand that most credits do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way. But all discounts will reduce your premiums.

Insurance companies that may have some of the above discounts are:

Double check with every prospective company which discounts you may be entitled to. All car insurance discounts might not apply everywhere.

Impacting insurance rates for a Honda Pilot

Consumers need to have an understanding of the factors that come into play when calculating the price you pay for auto insurance. Understanding what influences your rates enables informed choices that may reward you with better auto insurance rates.

  • Don’t sacrifice liability coverage – Liability insurance is the coverage that protects you in the event that a court rules you are at fault for damages caused by your negligence. Liability provides legal defense coverage up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so do not skimp.
  • Higher deductibles cost less – Physical damage deductibles represent how much money you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply are colliding with a building, damage from fire, and windstorm damage. The more money you are required to pay out-of-pocket, the lower your rates will be on Pilot insurance.
  • Do men or women drive better? – Statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. They both are in accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to get more serious tickets such as reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
  • Poor driving leads to higher costs – Only having one moving violation can boost insurance rates twenty percent or more. Careful drivers have lower premiums than their less careful counterparts. Drivers with dangerous tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with their state DMV in order to prevent a license revocation.
  • How your age affects price – Teen drivers tend to be more careless in a vehicle so auto insurance rates are higher. Mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
  • Rates may be higher depending on your occupation – Did you know your occupation can influence how much you pay for auto insurance? Careers like judges, architects and accountants tend to have higher rates than average because of high stress and lots of time spent at work. On the flip side, occupations such as actors, athletes and homemakers receive lower rates on Pilot insurance.
  • Special features that cut premiums – Driving a car with a theft deterrent system can save you a little every year. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft.

Tailor your coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s needs are different so this has to be addressed. For example, these questions might point out if you could use an agent’s help.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Which is better, split liability limits or combined limits?
  • Is my dog or cat covered if injured in an accident?
  • Is my custom paint covered by insurance?
  • What can I do if my company won’t pay a claim?
  • Does coverage extend to Mexico or Canada?
  • Is my Honda Pilot covered if I use it for business?
  • What is covered by UM/UIM coverage?
  • Should I carry comprehensive and collision coverage?
  • Is my babysitter covered when using my vehicle?

If it’s difficult to answer those 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, fill out this quick form or go to this page to view a list of companies.

Ads can be misleading

Companies like GEICO, State Farm and Progressive continually stream ads on TV and radio. All the ads make the same claim that you can save after switching to their company. But how can every company make almost identical claims?

All the different companies are able to cherry pick for the type of customer that makes them money. An example of a profitable customer could possibly be between 25 and 40, has no driving citations, and drives newer vehicles. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and therefore will save when switching.

Drivers who don’t measure up to the “perfect” profile will have to pay higher premiums and this can result in the driver buying from a lower-cost company. The ad wording is “people who switch” not “everyone that quotes” save that much. That’s the way insurance companies can make the claims of big savings.

Because of the profiling, you absolutely need to get quotes from several different companies. It’s impossible to know which insurance companies will fit your personal profile best.

Auto insurance coverages and their meanings

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types available from auto insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2004 Honda Pilot.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, theft, hail damage and damage from flooding. The highest amount 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.

Collision coverage protection

Collision coverage pays for damage to your Pilot from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a ditch, damaging your car on a curb, rolling your car, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like rehabilitation expenses, pain medications, nursing services and EMT expenses. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Liability coverages

This can cover injuries or damage you cause to other people or property. This insurance 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. As an example, you may have liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as bail bonds, loss of income, medical services, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

More comparisons equals lower rates

When you buy insurance online, don’t be tempted to buy poor coverage just to save money. There are too many instances where drivers have reduced liability limits or collision coverage and found out when filing a claim that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

We just covered some good ideas how to get a better price on 2004 Honda Pilot insurance. The key concept to understand is the more providers you compare, the higher your chance of finding lower rates. Consumers may even find the most savings is with a small mutual company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and GEICO.

For more information, feel free to visit the following helpful articles: