Cheaper 2009 Honda Pilot Insurance Quotes

Looking for cheaper insurance rates for your Honda Pilot? I can’t think of a single person who looks forward to buying insurance, particularly when their premiums are through the roof. Multiple car insurance companies compete for your insurance dollar, and it can be difficult to compare rates to find the absolute best rate

You need to shop coverage around yearly because prices go up and down regularly. Just because you had the lowest price on Pilot coverage two years ago the chances are good that you can find a lower rate today. Block out anything you think you know about insurance because you’re about to learn the proper way to save money, get proper deductibles and limits, all at the lowest rate.

How much can you save with discounts?

Car insurance companies do not list every available discount very clearly, so we researched some of the more common and also the lesser-known ways to save on insurance. If you’re not getting every credit available, you’re paying more than you need to.

  • Organization Discounts – Affiliation with a civic or occupational organization could trigger savings on insurance on Pilot coverage.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Paperless Signup – A few companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Multiple Cars – Buying coverage for all your vehicles on the same insurance policy qualifies for this discount.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.

It’s important to understand that some of the credits will not apply to your bottom line cost. Most only cut specific coverage prices like comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, insurance companies aren’t that generous.

Companies that may offer these money-saving discounts are:

It’s a good idea to ask every prospective company how you can save money. Savings may not apply in your state.

Why you might be paying too much to insure your Honda Pilot

Consumers need to have an understanding of some of the elements that help determine car insurance rates. When you know what positively or negatively influences your rates allows you to make educated decisions that may reward you with lower car insurance prices.

  • More miles equals more premium – The more you drive each year the more you will pay for car insurance. Most companies apply a rate based on how the vehicle is used. Vehicles that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Improper usage on your Pilot can cost quite a bit. Verify your car insurance policy properly reflects the correct driver usage.
  • Bump up deductibles to save – The deductibles represent how much money you are required to spend out-of-pocket before your car insurance pays a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, insures against damage to your car. Examples of covered claims are colliding with a building, vandalism, and rolling your vehicle. The more you’re willing to pay, the less your company will charge you for insurance on Pilot coverage.
  • Equipment add-ons that lower car insurance rates – Driving a car with an alarm system can help lower your rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
  • An active claims history can cost you – If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Insurance companies award better rates to policyholders who are claim-free. Auto insurance is intended for major claims that would cause financial hardship.
  • Careful drivers pay lower rates – Even a single citation can increase rates by as much as thirty percent. Good drivers get better rates compared to drivers with tickets. Drivers who get flagrant violations like DWI, reckless driving or hit and run convictions may be required to file a SR-22 with the DMV in their state in order to keep their license.
  • One company can mean more discounts – Some insurance companies provide better rates to people who have multiple policies with them in the form of a multi-policy discount. Even if you’re getting this discount it’s in your best interest to comparison shop to ensure the best deal. Drivers may still find better rates by insuring with multiple companies.
  • Safer occupants lowers premiums – Cars with high safety ratings can get you lower premiums. The safest vehicles result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims and thus lower rates. If your Honda Pilot earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Rates may be lower depending on your job – Did you know your car insurance rates can be affected by your occupation? Jobs such as doctors, business owners and financial analysts have higher average rates attributed to job stress and lots of time spent at work. Conversely, occupations such as actors, engineers and performers get better rates on Pilot coverage.

How much car insurance do I need?

When it comes to choosing adequate coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Is my trailer covered?
  • Where can I find high-risk insurance?
  • How much liability do I need to cover my assets?
  • Am I covered if my car is in a flood?
  • Why am I required to buy high-risk coverage?
  • When should my teen driver be added to my policy?
  • How can I get high-risk coverage after a DUI?
  • Is motorclub coverage worth it?
  • How much can I save by bundling my policies?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Information about specific coverages

Understanding the coverages of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are the normal coverages found on most insurance policies.

Collision coverage protection

This coverage 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 can pay for claims like damaging your car on a curb, colliding with another moving vehicle and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for immediate expenses for EMT expenses, funeral costs, pain medications and doctor visits. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Liability car insurance

This will cover damage that occurs to other’s property or people by causing an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like court costs, funeral expenses and medical expenses. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hail damage, fire damage, damage from getting keyed, a tree branch falling on your vehicle and falling objects. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Honda Pilot.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

More comparisons equals lower rates

The cheapest 2009 Honda Pilot insurance is possible online and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some companies do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

Throughout this article, we presented a lot of techniques to save on insurance. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the best price on auto insurance is with a small local company. They can often provide lower rates in certain areas than their larger competitors like State Farm, GEICO and Nationwide.

More detailed auto insurance information is located in these articles: