2013 Honda Pilot Car Insurance Quotes

Searching for lower insurance rates for your Honda Pilot? Feel like you’re a prisoner to overpriced insurance? It’s a common feeling and many consumers are in the same pinch.

Lots of auto insurance companies contend to insure your vehicles, and because of this it can be hard to compare insurance companies to discover the definitive lowest rate

How to get insurance coverage quotes

Most companies make it easy to get coverage prices on their websites. Comparing prices online is easy for anyone as you just type in your coverage information into the quote form. After the form is submitted, the company’s rating system automatically orders your credit score and driving record and generates pricing information based on many factors. Online quotes helps simplify price comparisons, but having to visit many different websites and fill out multiple forms is a big time waster. Unfortunately, it is important to get many rate quotes in order to get better prices.

The easy way to compare rates

The easiest way to find lower prices uses just one form to get prices from multiple companies. This type of form saves time, helps eliminate reptitive entry, and makes online quotes a little more enjoyable. As soon as you send your information, it is rated and you can choose any of the price quotes you receive.

If the quotes result in lower rates, you can simply submit the application and purchase the new policy. It takes just a few minutes to complete and you will find out if you’re overpaying now.

To quickly find out if lower rates are available, click here to open in new window and complete the simple form. If you currently have coverage, we recommend that you enter deductibles and limits just like they are on your policy. This helps ensure you will have rate quotes for exact coverage.

Insurance Coverage Discounts

Car insurance companies don’t always publicize every discount very clearly, so the following is a list of some of the best known as well as the least known discounts that may be available.

  • Discounts for Federal Employees – Simply working for the federal government can earn a discount up to 10% on Pilot coverage with a few insurance coverage companies.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but a few companies such as State Farm and Progressive will let one accident slide before your rates go up so long as you haven’t had any claims before the accident.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts may qualify for discounts of 25 to 30%.
  • Paper-free Discount – Some larger companies will give you a small discount for buying your policy on their website.
  • Drive Less and Save – Fewer annual miles on your Honda could be rewarded with substantially lower rates.
  • Buy New and Save – Buying a new car instead of a used car may earn a small discount because new vehicles keep occupants safer.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have multiple vehicles on one policy may reduce the rate for each vehicle.

As is typical with insurance, many deductions do not apply to your bottom line cost. Most cut individual premiums such as liability, collision or medical payments. Despite the appearance that all the discounts add up to a free policy, insurance coverage companies aren’t that generous. But any discount will reduce your policy premiums.

If you would like to see a list of providers that offer the discounts shown above, click this link.

What determines Honda Pilot insurance prices?

Many things are part of the equation when quoting car insurance. Most are fairly basic such as your driving record, but other criteria are not quite as obvious like your continuous coverage or your commute time.

  • Rural vs Urban Areas – Residing in a rural area can be a good thing if you are looking for the lowest rates. Fewer drivers on the road translates into fewer accident claims in addition to fewer liability claims. Residents of big cities have more traffic problems and higher rates of accident claims. Higher commute times means higher likelihood of an accident.
  • Small frequent policy claims are not good – If you are a frequent claim filer, you shouldn’t be surprised to get higher rates. Auto insurance companies award the lowest premiums to policyholders who file claims infrequently. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Poor credit history equals high costs – An insured’s credit score is a big factor in determining what you pay for insurance. If your credit rating is low, you could save money insuring your 2013 Honda Pilot by improving your credit score. Consumers who have excellent credit tend to be better risks to insure than those with bad credit.
  • Experienced drivers pay less – Older people are more responsible, statistically cause fewer accidents .Youthful drivers are proven to be less responsible when driving so they pay higher insurance rates.

Tailor your insurance coverage to you

When buying proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Each situation is unique and your policy should reflect that. For example, these questions might point out if your insurance needs would benefit from an agent’s advice.

  • Should I bundle my homeowners policy with my auto?
  • Is my 2013 Honda Pilot covered for flood damage?
  • Do I pay less for low miles?
  • Am I covered when driving on a suspended license?
  • How can I get high-risk coverage after a DUI?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Am I covered when pulling a rental trailer?
  • Does my personal policy cover me when driving out-of-state?
  • How do I insure my teen driver?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Coverage specifics

Having a good grasp of insurance can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverages offered by insurance companies.

Comprehensive coverage (or Other than Collision)

This pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as rock chips in glass, hail damage and a tree branch falling on your vehicle. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2013 Honda Pilot.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability coverages

This provides protection from damage that occurs to people or other property in an accident. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as attorney fees, pain and suffering, bail bonds, repair costs for stationary objects and court costs. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Insurance for medical payments

Med pay and PIP coverage reimburse you for expenses for things like nursing services, dental work and chiropractic care. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers you and your occupants and also covers getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Collision protection

This pays for damage to your Pilot caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with another moving vehicle, scraping a guard rail, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

More comparisons equals lower rates

Budget-conscious 2013 Honda Pilot insurance is attainable online as well as from independent agents, and you should be comparing both to have the best rate selection. Some insurance coverage companies do not offer the ability to get quotes online and these smaller providers only sell coverage through independent insurance agencies.

Throughout this article, we presented many ways to compare 2013 Honda Pilot insurance prices online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding low cost insurance coverage. Drivers may discover the lowest prices come from a small local company. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate, GEICO and Progressive.

Additional information can be found on the following sites: