How Much Does 2015 Honda Pilot Car Insurance Cost?

Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance policy? Believe me when I say you are not the only one feeling buyer’s remorse.

Many insurance companies compete to insure your vehicles, and because of this it can be hard to compare car insurance companies to find the absolute best price available.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these tips. Buying car insurance is not rocket science. But car owners benefit from understanding how insurance companies market insurance on the web and use this information to your advantage.

These discounts can lower your rates

The cost of insuring your cars can be expensive, but you can get discounts to help offset the cost. A few discounts will automatically apply when you purchase, but a few need to be requested specifically in order for you to get them.

  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can receive discounts of 20% or more.
  • No Claims – Good drivers with no accidents pay much less as compared to accident-prone drivers.
  • Discount for Swiching Early – Select companies give a discount for switching policies before your current expiration date. The savings is around 10%.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off for Pilot coverage with certain companies.
  • Good Student Discount – This discount can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Seat Belts Save – Requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company can get a discount on all vehicles.

Consumers should know that most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like comp or med pay. So when it seems like you can get free auto insurance, it doesn’t quite work that way. Any amount of discount will help reduce the amount you have to pay.

Car insurance companies that possibly offer these money-saving discounts may include but are not limited to:

Check with all companies you are considering what discounts are available to you. Discounts might not be offered in every state.

The method we recommend to compare rate quotes is to know the fact auto insurance companies allow for online access to provide you with a free rate quote. To begin a comparison, all you need to do is spend a couple of minutes providing details including the ages of drivers, daily mileage, what you do for a living, and your general credit rating. Your details is then submitted to many different companies and they respond with quotes instantly to find the best rate.

To compare rates for a 2015 Honda Pilot now, click here and see if a lower rate is available.

Honda Pilot rates influenced by many factors

It’s important that you understand the factors that come into play when calculating insurance rates. When you know what positively or negatively influences your rates enables informed choices that may reward you with better insurance rates.

The list below includes a few of the “ingredients” insurance companies consider when setting rates.

  • Mature drivers pay less – Older drivers are more cautious drivers, statistically cause fewer accidents and are safer drivers. Teen drivers are known to be more careless behind the wheel and because of this, their insurance rates are much higher.
  • Liability coverage is cheap – Your policy’s liability coverage provides coverage if a jury decides you are liable for damages caused by your negligence. It will provide legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Bump up deductibles to save – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Honda. A few examples of covered claims would be running into the backend of another car, damage caused by hail, and rolling your vehicle. The deductibles are how much you are required to spend if you file a covered claim. The higher the amount you have to pay, the less your company will charge you for insurance for Pilot coverage.
  • Marriage brings a discount – Getting married can actually save you money on insurance. It is viewed as being more mature and responsible and it’s proven that married couples file fewer claims.
  • Lower miles equals lower premium – The more miles you rack up on your Honda every year the higher your rate. The majority of insurers apply a rate based upon how you use the vehicle. Autos left parked in the garage qualify for better rates than those used for commuting. Make sure your insurance policy is rated on how each vehicle is driven. If your policy improperly rates your Pilot may be wasting your money.
  • Keep rates low by being claim-free – If you are a frequent claim filer, you can expect higher rates. Car insurance companies give lower rates to policyholders who file claims infrequently. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Sex matters – Statistics have proven that women are safer drivers than men. That doesn’t necessarily mean that men are worse drivers. Both sexes tend to get into accidents in similar numbers, but men cause more damage. Men also get cited for more serious violations like reckless driving and DUI. Young males are several times more likely to be in an accident and therefore have the most expensive insurance rates.

Different people need different coverages

When it comes to buying the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether you could use an agent’s help.

  • Is my ex-spouse still covered by my policy?
  • Do I have coverage for damage caused while driving under the influence?
  • Is my 2015 Honda Pilot covered for flood damage?
  • Is my custom paint covered by insurance?
  • How high should my medical payments coverage be?
  • What is high-risk coverage and where do I buy it?
  • Can I still get insurance after a DUI?
  • What vehicles should carry emergency assistance coverage?
  • How can I get high-risk coverage after a DUI?
  • If my 2015 Honda Pilot is totaled, can I afford another vehicle?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance coverage companies in your area.

Can switching companies really save?

Companies like Geico, State Farm and Progressive regularly use ads on television and other media. All the ads make the same claim that you can save if you move your coverage to them. But how can every company say the same thing?

All companies can use profiling for the right customer that makes them money. For example, a driver they prefer could be a mature driver, owns a home, and drives less than 10,000 miles a year. A driver who matches those parameters is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Potential insureds who do not match this ideal profile will have to pay a more expensive rate and this can result in business not being written. The ad wording is “customers that switch” not “everybody who quotes” save that much. That’s why insurance companies can claim big savings.

Because of the profiling, you need to compare as many rates as you can. You cannot predict which insurance companies will give you the biggest savings on Honda Pilot insurance.

Car insurance coverage basics

Learning about specific coverages of a car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average car insurance policy.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other drivers 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 have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a parking meter, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Medical expense insurance

Med pay and PIP coverage provide coverage for bills for surgery, rehabilitation expenses and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability coverage

This can cover damage or injury you incur to other’s property or people in an accident. This coverage protects you against other people’s claims, and does not provide coverage for 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 liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like funeral expenses, medical expenses and emergency aid. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hail damage, vandalism, damage from a tornado or hurricane and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

In Summary

The cheapest 2015 Honda Pilot insurance is possible online in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. A few companies do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped uninsured motorist or liability limits only to discover later that it was a big mistake. Your goal should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

Additional insurance information is available below: