Cheaper 2010 Honda Pilot Insurance Quotes

Buyers have options when searching for low-cost Honda Pilot insurance. You can either spend your time contacting agents to get rate comparisons or leverage the internet to make rate comparisons.

There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the quickest way to compare rates for a new or used Honda and get the lowest possible price.

Consumers should take time to compare rates periodically because insurance prices fluctuate regularly. Even if you think you had the best deal on Pilot coverage a couple years back there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you’re about to learn the fastest way to find great coverage at a great price.

If you have a policy now or need a new policy, you can use these techniques to find the best rates while maintaining coverages. The purpose of this post is to introduce you to the best way to quote coverages. Drivers just need to understand the best way to shop online.

How much is insurance?

Reducing your 2010 Honda Pilot insurance rates is a great way to save money. Just take a couple of minutes to get quotes online from several insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

One of the best ways to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This quick form eliminates the need for boring form submissions for each price estimate. One simple form will get you price quotes from multiple low-cost companies. This is by far the quickest method.
Another way to get comparison quotes requires a trip to the website of each company and complete a new quote form. For examples sake, we’ll pretend you want rates from Progressive, Allstate and GMAC. To get rate quotes you would need to visit each site and repeatedly enter your information, which is not fast way to get rate quotes. To view a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but make sure you are using the exact same coverage limits and deductibles for each price quote. If you are comparing different liability limits you will not be able to truly determine the lowest rate.

Auto insurance discounts are available to reduce your rates

Auto insurance is neither fun to buy or cheap, but you might be missing out on some discounts that may help make it more affordable. Certain reductions will be credited at the time you complete a quote, but occassionally some discounts must be requested specifically in order for you to get them.

Discounts for Multiple Vehicles – Having multiple vehicles on one policy can get a discount for every vehicle.
Home Ownership Discount – Being a homeowner can help you save on auto insurance because it shows financial diligence.
Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
Professional Memberships – Having an affiliation with qualifying clubs or civic groups could earn you a nice discount on your next auto insurance statement.
Savings for New Vehicles – Buying a new car instead of a used car may earn a small discount compared to insuring an older model.
No Accidents – Claim-free drivers are rewarded with significantly better rates on auto insurance quote as opposed to insureds who have frequent claims or accidents.
Low Mileage Discounts – Low annual miles may allow you to get substantially lower rates.
Good Grades Discount – A discount for being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students until age 25.

A little disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as comprehensive or collision. So even though you would think adding up those discounts means a free policy, you’re out of luck.

Popular auto insurance companies and a summarized list of policyholder discounts are shown below.

The Hartford may offer discounts for air bag, driver training, bundle, vehicle fuel type, anti-theft, and good student.
American Family may have discounts that include bundled insurance, accident-free, good driver, air bags, good student, and multi-vehicle.
Progressive discounts include online signing, multi-vehicle, homeowner, continuous coverage, and good student.
Travelers policyholders can earn discounts including multi-car, new car, save driver, early quote, good student, driver training, and payment discounts.
Farmers Insurance offers premium reductions for pay in full, mature driver, electronic funds transfer, homeowner, good student, and business and professional.
USAA has savings for annual mileage, military installation, multi-vehicle, new vehicle, safe driver, driver training, and vehicle storage.
Liberty Mutual offers discounts for hybrid vehicle, safety features, multi-policy, new graduate, and exclusive group savings.

When quoting, ask each company which credits you are entitled to. Some of the discounts discussed earlier might not be available to policyholders in every state. For a list of insurers offering auto insurance discounts, follow this link.

Everyone needs different auto insurance coverages

When choosing the best auto insurance coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover whether you could use an agent’s help.

Is my custom paint covered by insurance?
What can I do if my company denied a claim?
Can I afford to pay high deductible claims out of pocket?
When would I need additional glass coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
How do I insure my teen driver?
Does my policy cover my teen driver if they drive my company car?
What is the rate difference between pleasure use and commuting?
Does medical payments coverage apply to all occupants?
Does my medical payments coverage pay my health insurance deductible?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance policy specifics

Understanding the coverages of auto insurance can help you determine the best coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Medical expense insurance

Med pay and PIP coverage provide coverage for bills such as ambulance fees, EMT expenses, prosthetic devices and doctor visits. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability insurance

This coverage provides protection from damage that occurs to other’s property or people by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle 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 liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims such as bail bonds, court costs and legal defense fees. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like damaging your car on a curb, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of 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 is very important. Usually these limits do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix 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 coverage pays for claims like hitting a deer, fire damage and vandalism. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.