Save on 2011 Honda Pilot Car Insurance Quotes

Searching for the cheapest insurance for a Honda Pilot can be a lot of work, but you can use these tips and make it easy. There is a better way to compare car insurance rates so we’re going to tell you the quickest way to price shop coverage for a Honda and get the lowest price from local insurance agents and online providers.

If you have insurance now or need a new policy, you will benefit by learning to get lower rates while maintaining coverages. Buying affordable coverage is quite easy. Consumers only need to know the tricks to compare prices over the internet.

Parts of the Honda Pilot rate equation

An important part of buying insurance is that you know some of the elements that help determine insurance rates. Having a good understanding of what determines base rates helps enable you to make changes that will entitle you to much lower annual insurance costs.

  • Protect your assets with liability insurance – Your policy’s liability coverage is the protection in the event that a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense starting from day one. Liability is cheap as compared to coverage for physical damage, so do not skimp.
  • Better crash test results mean better rates – Vehicles with good safety scores tend to have better insurance rates. Safer cars reduce injuries and lower injury rates means lower claim amounts and thus lower rates. If your Honda Pilot scored better than 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.
  • Cautious drivers pay less – Your driving citation history has a huge affect on how much you pay. Drivers with clean records get better rates compared to drivers with tickets. Just one citation may increase your cost by twenty percent. Drivers who have flagrant citations such as hit and run, DWI or reckless driving convictions may need to file a SR-22 with their state motor vehicle department in order to keep their license.
  • High numbers of claims are not good – If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Insurance companies generally give cheaper rates to insureds who are claim-free. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Special features that cut premiums – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.

How to save on 2011 Honda Pilot insurance

Auto insurance companies don’t always publicize all available discounts in a way that’s easy to find, so we break down both the well known as well as the least known ways to save on car insurance. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Safety Course Discount – Taking part in a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
  • No Charge for an Accident – A handful of insurance companies permit an accident without raising rates so long as you haven’t had any claims prior to the accident.
  • E-sign – Some insurance companies will discount your bill up to fifty bucks just for signing your application on their website.
  • Air Bag Discount – Factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • 55 and Retired – If you’re over the age of 55, you can possibly qualify for a discount up to 10% for Pilot coverage.

It’s important to understand that some credits don’t apply to your bottom line cost. Most cut specific coverage prices like collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

A partial list of companies who might offer some of the above discounts may include but are not limited to:

Before buying, ask all companies you are considering which discounts they offer. Some discounts may not be available in your area.

Save $418 a year. For real?

Consumers can’t get away from ads for the lowest price auto insurance by Progressive, Allstate and GEICO. All the companies make an identical promise that you can save after switching to their company.

But how can every company make the same claim? It’s all in the numbers.

All companies can use profiling for the type of customer that is profitable for them. For instance, a driver they prefer could possibly be between the ages of 40 and 55, a clean driving record, and drives less than 10,000 miles a year. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and therefore will cut their rates substantially.

Drivers who do not match the requirements will be quoted more money which usually ends up with business not being written. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that kind of money. That’s the way insurance companies can confidently advertise the way they do. This emphasizes why you should quote coverage with many companies. Because you never know the company that will provide you with the cheapest Honda Pilot insurance rates.

Tailor your coverage to you

When choosing the best auto insurance coverage, there is no single plan that fits everyone. Every situation is different.

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

  • Exactly who is provided coverage by my policy?
  • Is business equipment covered while in my vehicle?
  • Is extra glass coverage worth it?
  • Should I buy only the required minimum liability coverage?
  • Do I need roadside assistance coverage?
  • Will my rates increase for filing one claim?
  • When should I not file a claim?
  • Should I waive the damage coverage when renting a car?
  • Is business property covered if stolen from my car?
  • Do I benefit by insuring my home with the same company?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and may give you better protection.

Car insurance specifics

Understanding the coverages of your policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Coverage for collisions

Collision coverage covers damage to your Pilot from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like damaging your car on a curb, sideswiping another vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Liability

This provides protection from injuries or damage you cause to other’s property or people. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as attorney fees, loss of income, legal defense fees, repair costs for stationary objects and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Pilot.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as rock chips in glass, damage from getting keyed, hitting a deer and hail damage. The highest amount 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 probably time to drop comprehensive insurance.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for expenses for things like doctor visits, dental work, prosthetic devices and ambulance fees. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Smart consumers save more

You just learned quite a bit of information on how to reduce 2011 Honda Pilot insurance prices online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from the smaller companies.

People who switch companies do it for a number of reasons such as being labeled a high risk driver, policy non-renewal, unfair underwriting practices or questionable increases in premium. It doesn’t matter why you want to switch switching car insurance companies is not as hard as you think.

As you go through the steps to switch your coverage, don’t be tempted to skimp on coverage in order to save money. There have been many cases where someone dropped physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. Your focus should be to purchase a proper amount of coverage for the lowest price.

More information is available on the following sites: