2009 Honda Pilot Insurance Quotes - 10 Tricks for Cheapest Rates

Want the cheapest auto insurance rates for your Honda Pilot? Paying cheap prices for Driversauto insurance may be kind of frustrating for drivers who have little experience comparing rates online. With such a large choice of companies in the marketplace, it can be a real challenge to find cheaper prices.

Smart consumers take time to compare premium rates every six months since insurance rates are usually higher with each renewal. Even if you got the best premium rates on Pilot coverage last year you will most likely find a better price today. Forget anything you know (or think you know) about auto insurance because I’m going to teach you the proper way to find lower rates on auto insurance.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these methods. Pricing affordable auto insurance coverage is easy if you know what you’re doing. But vehicle owners must know the methods companies use to price insurance differently and apply this information to your search.

Ways to get car insurance rate quotes

To find cheaper insurance coverage quotes, there are several ways of comparing rate quotes from local car insurance companies. The simplest method to find the cheapest Honda Pilot insurance rates consists of obtaining rate quotes online. This is quite simple and can be completed in just a few minutes using one of these methods.

The most efficient way to get quotes is a comparison rater form click to view form in new window. This style of form saves time by eliminating separate quotes for each company. One form will get you rate comparisons from several companies. This is perfect if you don’t have a lot of time.

A less efficient way to compare prices requires a visit to the website for each individual company and go through the quote process again. For instance, let’s assume you want to compare USAA, Liberty Mutual and State Farm. You would have to spend time on each company’s site and type in your information over and over, which explains why we recommend starting with the first method. For a list of links to companies insuring cars in your area, click here.

The final method of comparing rate quotes is going to different agent offices. The fact that you can get quotes online eliminates this option unless you’re the type of person who wants the advice and guidance that you can only get from talking to an agent. Although you can comparison shop online but have a local agent actually write the policy.

It’s up to you how you get prices quotes, just make sure you compare nearly identical deductibles and coverage limits with each company. If you are comparing higher or lower deductibles you will not be able to truly determine the lowest rate. Having just a slight variation in limits can mean a large discrepancy in price. Just remember that comparing more rates from different companies helps you find more affordable rates. Some regional insurers cannot provide online price quotes, so you need to compare price quotes on coverage from those companies, too.

Start a Quote Now

Which is the best car insurance?

When choosing the right insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every situation is different.

For example, these questions might point out if your insurance needs might need professional guidance.

Are rock chip repairs covered?
What is the ISO rating for a 2009 Honda Pilot?
When should I remove comp and collision on my 2009 Honda Pilot?
Is business property covered if stolen from my car?
Is a fancy paint job covered?
Is my teenager covered with friends in the car?
Does my insurance cover my expensive audio equipment?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form.

Car insurance coverage information

Knowing the specifics of auto insurance can help you determine the best coverages at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Honda Pilot.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses for chiropractic care, prosthetic devices, ambulance fees and X-ray expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a building, driving through your garage door, damaging your car on a curb, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive auto insurance

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

Comprehensive coverage protects against things like damage from a tornado or hurricane, a tree branch falling on your vehicle and hitting a bird. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for liability

Liability insurance protects you from damage or injury you incur to other people or property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as repair costs for stationary objects, loss of income, attorney fees, medical services and bail bonds. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.