2008 Honda Pilot Insurance Quotes – 6 Tips for Best Rates

Searching for budget-priced auto insurance may at first seem to be rather difficult for beginners to comparing prices on the internet. With so many options of insurers to choose from, how are we expected to be able to compare every possible option in order to find better prices?

First Step: Get free insurance quotes

Most major insurance companies such as GEICO, State Farm and Progressive make it easy to get prices for coverage online. Obtaining pricing is pretty easy as you simply type in your coverage information into the quote form. Behind the scenes, their quoting system pulls your driving and credit reports and quotes a price based on many factors.

Quoting online helps simplify price comparisons, but the time it takes to visit several different sites and type in your information gets old quite quickly. But it’s necessary to get many rate quotes in order to find the lowest insurance rates.

Rate comparisons made easy

A more efficient way to find cheaper rates is to use a quote form to get prices from more than one company. It saves time, requires much less work on your part, and makes comparison shopping much more enjoyable and efficient. Immediately after you send the form, it is rated and you can choose any one of the price quotes you receive. If you find a better price you simply finish the application and purchase the new policy. It only takes a few minutes and can result in significant savings.

To save time and find out if lower rates are available, simply click here to open in new window and fill out the form. If you have coverage now, it’s recommended you copy exactly as they are listed on your policy. This ensures you are getting a price comparison for similar insurance coverage.

Big brands don’t always mean big savings

Auto insurance companies such as GEICO, State Farm and Progressive regularly use ads on TV and radio. All the companies convey the message about how much you will save if you change to their company. How do they all sell you cheaper insurance coverage?

Companies give the cheapest rates for the type of customer that will not have excessive claims. One example of a profitable risk profile might have to be between the ages of 30 and 50, has never had a policy lapse, and drives newer vehicles. Anyone that hits that “sweet spot” will get a cheap rate quote and is almost guaranteed to save when switching.

Potential insureds who are not a match for this ideal profile will get higher prices which leads to business going elsewhere. The ad wording is “drivers who switch” not “everybody who quotes” save that much money. This is how insurance companies can make the claims of big savings. That is why it is so important to get car insurance quotes from several different companies. It’s just not possible to know with any certainty which company will provide you with the cheapest car insurance rates.

These six discounts can cut car insurance rates

Some insurers do not advertise all disounts very clearly, so here is a list both well-publicized as well as the least known credits that may apply to you. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Early Payment Discounts – By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Onboard Data Collection – Drivers who agree to allow companies to track where and when they drive by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they exhibit good driving behavior.
  • Active Military Service – Being deployed in the military can result in better rates.
  • Switch and Save Discount – Some insurance companies provide a discount for buying a policy prior to the expiration date on your current policy. It could save around 10% when you buy car insurance online.
  • Anti-lock Brake Discount – Cars and trucks with ABS braking systems or traction control prevent accidents so companies give up to a 10% discount.
  • Multiple Vehicles – Having all your vehicles on a single policy can reduce rates for all insured vehicles.

A quick disclaimer, many deductions do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

A list of car insurance companies and a partial list of their discounts can be read below.

  • 21st Century policyholders can earn discounts including good student, air bags, 55 and older, homeowners, and teen driver.
  • Progressive discounts include homeowner, continuous coverage, multi-policy, online quote discount, and online signing.
  • State Farm may have discounts that include Steer Clear safe driver discount, student away at school, accident-free, multiple autos, safe vehicle, and good student.
  • Nationwide offers discounts for defensive driving, Farm Bureau membership, accident-free, business or organization, and multi-policy.
  • Esurance may offer discounts for online shopper, safety device, Pac-12 alumni, renters, Switch & Save, good driver, and DriveSense.
  • The Hartford offers discounts including anti-theft, good student, vehicle fuel type, bundle, air bag, and defensive driver.

Before buying, ask every insurance company to apply every possible discount. A few discounts may not apply to policies in your state. To view insurance companies with the best car insurance discounts, click here to view.

When do I need an agent’s advice?

When choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions may help highlight whether or not you would benefit from professional advice.

  • Is my teenager covered with friends in the car?
  • Do I have any recourse if my insurance company denies a claim?
  • Is other people’s property covered if stolen from my vehicle?
  • How do I buy GAP insurance?
  • When would I need rental car insurance?
  • Does insurance cover tools stolen from my truck?
  • Why am I required to buy high-risk coverage?
  • Is pleasure use cheaper than using my 2008 Honda Pilot to commute?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form.

Auto insurance coverages and their meanings

Knowing the specifics of a auto insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like hospital visits, dental work, chiropractic care and nursing services. They are often used in conjunction with a health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as sideswiping another vehicle, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Liability insurance

This coverage can cover injuries or damage you cause to people or other property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like loss of income, funeral expenses, attorney fees and court costs. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive (Other than Collision)

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, vandalism, damage from flooding, hitting a deer and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Feed the piggy bank

You just read some good ideas how to lower your 2008 Honda Pilot insurance rates. The most important thing to understand is the more quotes you get, the higher your chance of finding low cost car insurance. Drivers may discover the biggest savings come from an unexpected company.

Drivers change insurance companies for many reasons like policy non-renewal, high rates after DUI convictions, delays in responding to claim requests or even delays in paying claims. It doesn’t matter what your reason, choosing a new company can be less work than you think.

As you restructure your insurance plan, it’s not a good idea to reduce needed coverages to save money. In many instances, someone dropped liability limits or collision coverage to discover at claim time they didn’t purchase enough coverage. Your strategy should be to buy enough coverage at the lowest possible cost and still be able to protect your assets.

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