2006 Honda Pilot Insurance Quotes

Searching for the cheapest car insurance rates for your Honda Pilot? Tired of wondering where the money will come from to keep your car insured? You’re in the same situation as the majority of other consumers.

Consumers have so many insurers to buy insurance from, and although it’s nice to have a selection, too many choices makes it more difficult to find the best rates for your vehicles.

It’s a good habit to get comparison quotes before your next renewal because rates fluctuate regularly. Just because you had the lowest rate for Pilot insurance two years ago you may be paying too much now. Ignore everything you know about car insurance because you’re about to find out the best way to lower your rates without sacrificing coverage.

Lower-cost car insurance quotes with discounts

Insurance can cost an arm and a leg, but you might find some hidden discounts that many people don’t even know exist. Many of these discounts will be applied automatically at quote time, but some need to be requested specifically before you will receive the discount.

  • Clubs and Organizations – Belonging to certain professional organizations is a good way to get lower rates when shopping for car insurance.
  • Government Employee Discount – Active or former government employment can save as much as 8% for Pilot insurance with select insurance companies.
  • Anti-lock Brake System – Vehicles with ABS and/or traction control are much safer to drive and earn discounts up to 10%.
  • Student Driver Training – Cut your cost by having your teen driver sucessfully take a drivers education course if it’s offered in school.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn lower car insurancerates if you buy some life insurance in addition to your auto policy.
  • Payment Method – If you pay your entire premium ahead of time rather than spreading payments over time you could save 5% or more.

Discounts lower rates, but some credits don’t apply to the entire cost. Some only reduce individual premiums such as comprehensive or collision. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

The best car insurance companies and some of their more popular discounts are detailed below.

  • Esurance discounts include DriveSense, anti-lock brakes, emergency road assistance, Pac-12 alumni, claim free, and good student.
  • The Hartford offers discounts including good student, anti-theft, defensive driver, driver training, vehicle fuel type, and air bag.
  • AAA may offer discounts for good driver, pay-in-full, anti-theft, multi-policy, multi-car, education and occupation, and good student.
  • GEICO has savings for multi-vehicle, defensive driver, air bags, good student, emergency military deployment, daytime running lights, and driver training.
  • State Farm has discounts for accident-free, student away at school, good student, driver’s education, anti-theft, and defensive driving training.

Before you buy a policy, ask each company or agent what discounts are available to you. Some discounts might not be offered on policies in your area.

The quickest method we recommend to get policy rate comparisons is to understand all the major auto insurance companies pay for the opportunity to give rate comparisons. The one thing you need to do is provide the companies a bit of rating information including how your vehicles are used, coverage limits, your education level, and distance driven. Your information gets transmitted to all major companies and they return cost estimate almost instantly.

Lower the price of car insurance with these tips

It’s important that you understand a few of the rating criteria that help calculate the rates you pay for car insurance. If you have some idea of what influences your rates, this allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Listed below are some of the items used by your company to calculate your rate level.

  • Better drivers pay the best rates – Drivers who don’t get tickets receive lower rates compared to bad drivers. Getting just one speeding ticket can increase the cost of insurance by as much as thirty percent. Drivers who have gotten dangerous citations such as DUI or willful reckless driving may find they need to submit a SR-22 form with their state motor vehicle department in order to drive a vehicle legally.
  • Theft deterrents save – Purchasing a vehicle that has a built-in theft deterrent system can save you a little every year. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent auto theft and help lower rates.
  • Fewer miles means better premiums – The higher the miles on your Honda in a year the higher your rates will be. Many insurance companies charge to insure your cars determined by how the vehicle is used. Cars and trucks not used for work or commuting can be on a lower rate level than those that get driven frequently. It’s a good idea to make sure your car insurance policy reflects annual mileage, because improper ratings can cost you money. Having the wrong rating on your Pilot is throwing money out the window.
  • Remove unneeded add-on coverages – Insurance policies have a lot of extra bells and whistles that you can get tricked into buying if you aren’t careful. Add-on coverages like vanishing deductibles, towing, and additional equipment coverage are examples of these. They may sound like good ideas when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
  • Do you have a demanding occupation? – Occupations like fire fightersair traffic controllers and accountants generally pay higher rates than the rest of us due to intense work requirements and lots of time spent away from family. On the other hand, careers like farmers, engineers and retirees get better rates for Pilot insurance.
  • Better credit means lower costs – Having a bad credit history is a large factor in determining what you pay. Consumers who have high credit ratings tend to be more responsible and file fewer claims than drivers who have lower credit scores. If your credit history is low, you could be paying less to insure your 2006 Honda Pilot by taking the time to improve your credit score.
  • Single drivers may pay more – Being married may cut your premiums compared to being single. It demonstrates that you tend to be more financially stable it has been statistically shown that being married results in fewer claims.
  • High deductibles reduce prices – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, covers your vehicle from damage. Some examples of claims that would be covered could be a broken windshield, hitting a deer, and damage caused by flying debris. The deductibles define how much the insured will be required to pay before a claim is paid by your company. The more money the insured is willing to pay, the less your company will charge you for insurance for Pilot insurance.

Tailor your auto insurance coverage to you

When it comes to buying coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that might help in determining if your situation may require specific advice.

  • Am I insured when driving a different vehicle?
  • Are split liability limits better than a combined single limit?
  • What is UM/UIM insurance?
  • Why do I only qualify for high-risk insurance?
  • What discounts do I qualify for?
  • Can I afford to buy a different vehicle if my 2006 Honda Pilot is totaled?
  • Do I need special endorsements for business use of my vehicle?

If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

What insurance coverages do you need?

Knowing the specifics of insurance helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types found on the average insurance policy.

Collision protection

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

Collision coverage pays for things such as scraping a guard rail, backing into a parked car, sideswiping another vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred 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 is very important. Usually these coverages are set the same as your liablity limits.

Auto liability

Liability insurance will cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers things such as court costs, emergency aid and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from getting keyed, hail damage, hitting a deer, theft and damage from flooding. The highest amount 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 not worth carrying full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like surgery, chiropractic care, nursing services, rehabilitation expenses and doctor visits. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Saving money is sweet as honey

When buying insurance coverage, it’s very important that you do not skimp on coverage in order to save money. Too many times, someone dropped liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. The aim is to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.

We covered some good ideas how you can get a better price on 2006 Honda Pilot insurance. It’s most important to understand that the more quotes you get, the better likelihood of getting cheaper car insurance. You may be surprised to find that the best price on insurance coverage is with a company that doesn’t do a lot of advertising. They may only write in your state and offer lower prices than the large multi-state companies such as Allstate or State Farm.

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