2007 Honda Pilot Insurance Quotes – 10 Tips for Cheaper Rates

Trying to find cheaper insurance coverage rates for your Honda Pilot? Searching for cheaper insurance for your Honda Pilot can normally be a painful process, but you can follow a few tricks and make it easy. There is a right way and a wrong way to compare insurance coverage rates so we’re going to tell you the proper way to quote coverages for a new or used Honda and find the cheapest rates.

Smart consumers take time to compare prices once or twice a year because insurance prices are rarely the same from one policy term to another. Even if you got the best rates on Pilot coverage a year ago a different company probably has better premium rates today. Forget anything you know (or think you know) about insurance coverage because I’m going to teach you the fastest and easiest way to lower your annual insurance bill.

Which car insurance is cheapest?

Comparing car insurance rates can be exhausting if you don’t know the most efficient way to do it. You could waste time talking about coverages with local insurance agents in your area, or you can stay home and use the internet to achieve your goal.

All the larger companies participate in a marketplace where insurance shoppers enter their policy data once, and each participating company can give them a price based on the submitted data. This prevents consumers from doing quote requests for each company.

To find out how much you can save on car insurance click here to start a free quote.

The only downside to getting quotes like this is that consumers can’t choose the insurers to receive prices from. So if you want to choose specific insurance companies to request quotes from, we have a page of low cost car insurance companies in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, do your best to enter the same quote data for every quote you compare. If you have different limits and deductibles on each one it will be impossible to determine the best price for your Honda Pilot.

Tailor your insurance coverage to you

When choosing coverage, there really is no one size fits all plan. Everyone’s needs are different.

For instance, these questions can help discover if you might need professional guidance.

  • Am I covered if I crash into my own garage door?
  • Where can I find DUI or SR-22 insurance?
  • Can my teen drive my company car?
  • What companies insure drivers after a DUI or DWI?
  • Can I make deliveries for my home business?
  • Do I need PIP coverage since I have good health insurance?

If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and may give you better protection.

Coverages available on your car insurance policy

Knowing the specifics of a car insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Collision coverage protection

Collision insurance will pay to fix damage to your Pilot from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a ditch, crashing into a building, 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 lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants 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 doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, hail damage, damage from a tornado or hurricane, damage from flooding and theft. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as EMT expenses, X-ray expenses, doctor visits and dental work. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

This can cover damage that occurs to other people or property. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as repair bills for other people’s vehicles, legal defense fees, structural damage and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.