2014 Honda Pilot Car Insurance Cost

No one looks forward to paying for insurance coverage, especially knowing they are paying too much. Companies like State Farm, Farmers Insurance, GEICO and Allstate continually hit you with fancy advertisements and it can be hard to see through the deception and find the best price available.

If you are insured now or are looking for a new policy, you can use these tips to shop for the lowest rates and still get good coverage. Buying car insurance is not that difficult. Drivers only need to know the most effective way to compare price quotes online.

Don’t overlook these discounts

The price of auto insurance can be rather high, but there are discounts available that you may not even be aware of. Certain discounts will be triggered automatically when you complete an application, but less common discounts must be asked for before you get the savings. If you’re not getting every credit available, you’re paying more than you need to.

  • Sign Early and Save – Select companies give a discount for signing up prior to your current policy expiration. It can save you around 10%.
  • Sign Online – Certain companies will give a small break simply for signing over the internet.
  • Federal Employees – Employees or retirees of the government can save as much as 8% for Pilot coverage with select insurance companies.
  • Driver Safety – Taking a course in driver safety can save you 5% or more depending on where you live.
  • Drivers Ed for Students – Have your child complete a driver education course in school.
  • Military Discounts – Having a deployed family member could mean lower rates.

Drivers should understand that most discounts do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts will help reduce the cost of coverage.

To see a list of insurance companies with the best insurance coverage discounts, click here.

Is my situation unique?

When it comes to buying the right insurance coverage, there really is not a one size fits all plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions could help you determine whether or not you would benefit from an agent’s advice.

  • Can I rent a car in Mexico?
  • At what point should I drop full coverage?
  • Is my nanny covered when driving my vehicle?
  • Which companies will insure high-risk drivers?
  • Can I get a multi-policy discount?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Who is covered when they drive my 2014 Honda Pilot?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Advertising myths

Consumers constantly see and hear ads that promise big savings by companies like State Farm, GEICO and Progressive. All the companies say the same thing of big savings if you move to them.

How can each company make almost identical claims? It’s all in the numbers.

Insurance companies can use profiling for the right customer that earns them a profit. An example of a preferred risk might be between the ages of 40 and 55, a clean driving record, and has excellent credit. Any driver that hits that “sweet spot” will get very good rates and most likely will save when they switch companies.

Consumers who don’t qualify for the requirements will have to pay a more expensive rate and this can result in business not being written. The ad wording is “people who switch” not “everybody who quotes” save that kind of money. That is how companies can truthfully make the claims of big savings.

Because of the profiling, it’s extremely important to quote coverage with many companies. It’s not possible to predict the company that will fit your personal profile best.

Information about specific coverages

Learning about specific coverages of your auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on most auto insurance policies.

Coverage for collisions

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a parking meter, sideswiping another vehicle, colliding with a tree, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for bills for chiropractic care, doctor visits, rehabilitation expenses and pain medications. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Liability coverages

Liability coverage will cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU from legal claims by others. Liability 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. Your policy might show policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like structural damage, attorney fees, funeral expenses, pain and suffering and legal defense fees. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Honda Pilot.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

Comprehensive insurance

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as hail damage, damage from a tornado or hurricane and damage from getting keyed. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Be a Smart Shopper

Cost effective 2014 Honda Pilot insurance is available from both online companies and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who do not offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

We covered a lot of techniques to shop for insurance online. It’s most important to understand that the more price quotes you have, the higher your chance of finding lower rates. You may even discover the lowest priced insurance comes from the smaller companies. They may often insure only within specific states and give getter rates than their larger competitors like State Farm or Progressive.

More detailed insurance information is located in the articles below: