2010 Honda Pilot Insurance Quotes

Trying to find better auto insurance rates for your Honda Pilot? Searching for better insurance prices for a Honda Pilot can turn out to be difficult, but you can use the following methods to find lower rates. There is a better way to compare auto insurance rates so we’re going to tell you the proper way to get price quotes on a Honda and obtain the lowest possible price from local insurance agents and online providers.

Finding Insurance Deals

Finding lower insurance rates is actually quite simple. The only requirement is to take the time to get quotes from different insurance companies. This can be done using a couple different methods.

  1. One of the simplest ways to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This form eliminates the need for a different quote to each individual insurance company. One form gets you price quotes direct from many companies. Just one form and you’re done.
  2. Another way to compare rate quotes consists of visiting each company’s website and complete a new quote form. For sake of this example, let’s say you want comparison quotes from Nationwide, Farmers and Geico. To get rate quotes you would need to go to every website to input your insurance information, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  3. The least recommended way to compare rates is driving around to insurance agents’ offices. Shopping for insurance online can eliminate the need for a local agent unless you have a need for the professional advice that only a license agent can provide. It is possible to comparison shop your insurance online but still have the advice of a local agent and we’ll cover that in a bit.

It’s up to you which method you use, but compare the exact same information for each price quote. If you use different limits and deductibles on each one it will be impossible to determine the best price for your Honda Pilot.

These factors can influence what you pay for Honda Pilot insurance

Smart consumers have a good feel for the factors that come into play when calculating your insurance coverage rates. Understanding what controls the rates you pay helps enable you to make changes that could result in big savings.

  • How credit affects insurance coverage rates – Credit score is a big factor in calculating your insurance coverage rates. So if your credit is lower than you’d like, you could potentially save money when insuring your 2010 Honda Pilot by improving your rating. Drivers who have good credit tend to be better drivers and file fewer claims than drivers with poor credit.
  • Low deductibles can be expensive – Physical damage deductibles represent how much money you are willing to pay before a claim is paid by your company. Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Examples of covered claims would be colliding with a building, collision with an animal, or theft. The more money you’re willing to pay, the less your insurance coverage will be for Pilot coverage.
  • Never let your coverage lapse – Driving your car without having proper coverage is a misdemeanor and as a result your rates will increase for letting your coverage have a gap. And not only will your rates increase, but not being able to provide proof of insurance can result in a steep fine or even jail time.
  • More people means more accidents – Being located in a small town can be a good thing when talking about insurance coverage. Urban drivers have to deal with much more traffic and longer commute times. Lower population means a lower chance of having an accident as well as less vandalism and auto theft.
  • Marriage brings a discount – Getting married actually saves money when buying insurance coverage. Having a significant other usually means you are more mature than a single person and it’s proven that married couples file fewer claims.
  • Don’t sacrifice liability coverage – Liability insurance provides coverage in the event that a jury decides you are liable for damages from an accident. It provides legal defense coverage starting from day one. Liability is cheap compared to physical damage coverage, so do not skimp.
  • More miles equals more premium – The more you drive in a year the higher your rate. Most companies price each vehicle’s coverage based upon how you use the vehicle. Cars and trucks left parked in the garage get more affordable rates compared to those used for work or business. Make sure your insurance coverage policy properly reflects the correct driver usage. If your policy improperly rates your Pilot may be costing you.
  • Special features that cut premiums – Choosing a vehicle with a theft deterrent system can help bring down rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.

Save with discounts on Honda Pilot insurance

Car insurance companies do not list all available discounts very clearly, so we break down both the well known and the more hidden savings tricks you should be using. If you’re not getting every credit you qualify for, you are throwing money away.

  • Organization Discounts – Being a member of a civic or occupational organization may earn a discount on car insurance for Pilot coverage.
  • Life Insurance – Larger companies have better rates if you take out life insurance from them.
  • Military Discounts – Having a family member in the military could mean lower rates.
  • Resident Student – Children living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Own a Home – Simply owning a home can help you save on car insurance because maintaining a house shows financial diligence.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount for Pilot coverage depending on your company.

Consumers should know that most discounts do not apply to the entire policy premium. The majority will only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like you can get free auto insurance, companies don’t profit that way.

Car insurance companies who might offer these benefits may include but are not limited to:

Double check with each insurance company what discounts are available to you. All car insurance discounts may not be available in every state.

Tailor your coverage to you

When choosing proper insurance coverage, there is no best way to insure your cars. Every situation is different.

Here are some questions about coverages that may help highlight whether you would benefit from an agent’s advice.

  • Am I missing any policy discounts?
  • What can I do if my company denied a claim?
  • What are the financial responsibility laws in my state?
  • Why do I need rental car insurance?
  • Does medical payments coverage apply to all occupants?
  • When should I buy a commercial auto policy?
  • Does car insurance cover theft of personal property?
  • Why am I required to get a high-risk car insurance policy?
  • Will my insurance pay for OEM parts?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can help protect your family.

The coverage is in the details

Having a good grasp of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses such as hospital visits, prosthetic devices and nursing services. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Coverage for collisions

This coverage pays for damage to your Pilot caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as backing into a parked car, hitting a mailbox, colliding with a tree, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Auto liability insurance

Liability coverage will cover damage or injury you incur to other people or property in an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like repair costs for stationary objects, bail bonds, medical expenses and court costs. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as fire damage, damage from flooding, damage from getting keyed, falling objects and hail damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Honda Pilot.

Since many drivers 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 very important.

In Summary

Lower-priced 2010 Honda Pilot insurance is attainable on the web and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

As you prepare to switch companies, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced liability coverage limits only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to buy a smart amount of coverage at an affordable rate while still protecting your assets.

People who switch companies do it for many reasons like extreme rates for teen drivers, lack of trust in their agent, high prices and even poor customer service. No matter why you want to switch, switching insurance companies is easier than you think.

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