2003 Honda Pilot Insurance Quotes – 9 Tricks for Cheapest Rates

Want cheaper insurance coverage rates for your Honda Pilot? No one in their right mind likes paying for insurance coverage, especially when they are aware that the cost is too high. Many auto insurance companies compete for your business, and because of this it can be hard to compare insurers to find the absolute best rate

The best way to compare insurance rates in your area is to know the fact all the major auto insurance companies allow for online access to give free rates quotes. The only thing you need to do is provide details such as daily mileage, if the car is leased, driver details, and what you do for a living. Your rating data is submitted instantly to many of the top insurers and they provide comparison quotes immediately.

To start a rate quote now, click here then complete the form.

Cheap car insurance rates with discounts

Car insurance is easily one of your largest bills, but you might find some hidden discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically when you purchase, but lesser-known reductions have to be asked about before being credited.

• Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can receive discounts up to 30%.
• Discount for Low Mileage – Maintaining low annual mileage can qualify you for cheaper rates.
• Theft Deterent Discount – Cars that have factory anti-theft systems are stolen with less frequency and will save you 10% or more.
• Professional Organizations – Being in qualifying clubs or civic groups could qualify you for a break on your bill.
• Federal Government Employee – Active or former government employment can earn a discount up to 10% on Pilot insurance with certain companies.
• Discounts for Good Drivers – Safe drivers may receive a discount up to 45% on Pilot insurance than their less cautious counterparts.
• Bundle and Save – If you combine your homeowners and auto policies with one company they may give you a discount of as much as 10 to 15 percent.
• Save with More Vehicles Insured – Buying coverage for primary and secondary vehicles on one policy can get a discount on all vehicles.
• Data Collection Discounts – Insureds who allow companies to look at driving habits remotely such as Progressive’s Snapshot could possibly reduce rates as long as they are good drivers.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the entire cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, car insurance companies aren’t that generous. Any qualifying discounts will lower your policy premiums.

A few of the larger companies and the discounts they provide include:

• State Farm offers premium reductions for defensive driving training, safe vehicle, accident-free, driver’s education, student away at school, good driver, and good student.
• Esurance may include discounts for multi-car, multi-policy, online shopper, safety device, good driver, and online quote.
• Progressive policyholders can earn discounts including good student, online quote discount, online signing, continuous coverage, multi-policy, and multi-vehicle.
• Liberty Mutual offers discounts including new graduate, teen driver discount, newly married, hybrid vehicle, and new vehicle discount.
• Auto-Owners Insurance may offer discounts for multiple vehicles, company car, teen driver, paid in full, anti-theft, and paperless.
• GEICO may have discounts that include seat belt use, military active duty, defensive driver, multi-vehicle, and five-year accident-free.

Before purchasing a policy, check with each insurance company how many discounts you can get. Some of the discounts discussed earlier might not be offered on policies in every state.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage, there really is no cookie cutter policy. Every insured’s situation is different so this has to be addressed. For instance, these questions might help in determining whether your personal situation might need professional guidance.

• Is my 2003 Honda Pilot covered for flood damage?
• Why is insurance for a teen driver so high?
• Do I need an umbrella policy?
• Should I put collision coverage on all my vehicles?
• How much liability insurance is required?
• Am I missing any policy discounts?
• Which companies will insure high-risk drivers?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Can I still get insurance after a DUI?
• Are rock chip repairs covered?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your auto insurance policy

Having a good grasp of auto insurance helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on most auto insurance policies.

Coverage for liability

This protects you from damage that occurs to a person or their property that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things like pain and suffering, funeral expenses, repair costs for stationary objects, loss of income and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Auto collision coverage

This coverage covers damage to your Pilot from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a building, hitting a mailbox, colliding with another moving vehicle and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a broken windshield, rock chips in glass, damage from getting keyed, hitting a deer and hail damage. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages are identical to your policy’s liability coverage.

Medical expense insurance

Med pay and PIP coverage reimburse you for immediate expenses like doctor visits, EMT expenses, dental work, rehabilitation expenses and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible