Compare 2014 Honda Pilot Insurance Quotes

Trying to find better insurance rates for your Honda Pilot? Searching for better insurance prices for your Honda Pilot could be an all-consuming task, but you can use our insurance buying tips to save time. There is a better way to find insurance online so we’re going to tell you the proper way to get price quotes for your Honda and find the best price possible from local insurance agents and online providers.

It’s smart to check insurance prices before your policy renews due to the fact that insurance rates are rarely the same from one policy term to another. Even if you think you had the best deal for Pilot coverage on your last policy you may be paying too much now. Block out anything you think you know about insurance because we’re going to demonstrate the fastest way to eliminate unnecessary coverages and save money.

How to find cheap car insurance

Performing a rate comparison is a ton of work if you don’t understand the fastest way to get free quotes. You can spend your afternoon talking about coverages with insurance companies in your area, or you can utilize the web to get rate comparisons in just a few minutes.

Most major companies participate in a marketplace where prospective buyers complete one form, and every company provides a quote based on that data. This system prevents you from having to do quotation requests to every company.

To use this form to compare rates click here (opens in new window).

The only downside to pricing coverage this way is that you can’t choose the companies you will receive quotes from. If you prefer to choose specific providers to request quotes from, we have a page of companies who write car insurance in your area. Click here to view list.

The approach you take is up to you, just make sure you compare equivalent quote information with every price quote. If each company quotes different values for each quote it’s impossible to decipher which rate is best.

More discounts mean cheap premiums

Some companies do not advertise their entire list of discounts very well, so the next list breaks down a few of the more common as well as some of the hidden discounts that may be available.

Theft Deterent – Vehicles equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and that can save you a little bit as well.
Government Employees – Federal government employees could cut as much as 10% off for Pilot coverage with certain companies.
Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
Air Bag Discount – Vehicles equipped with air bags can receive discounts as much as 30%.
Telematics Discount – Drivers that enable data collection to analyze vehicle usage by using a telematics device such as Progressive’s Snapshot could see a rate decrease as long as they are good drivers.
Club Memberships – Joining a professional or civic organization can get you a small discount on your next auto insurance statement.
Multi-car Discount – Drivers who insure primary and secondary vehicles on one policy can reduce rates for all insured vehicles.
Online Discount – Certain larger companies may give you up to $50 get car insurance on their website.

One thing to note about discounts is that some credits don’t apply to the overall cost of the policy. Most only cut the cost of specific coverages such as medical payments or collision. So even though it sounds like it’s possible to get free car insurance, nobody gets a free ride.

To see a list of providers with discount auto insurance rates, click this link.

It’s not one size fits all

When choosing coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.

What is covered by UM/UIM coverage?
Does my medical payments coverage pay my health insurance deductible?
Can my teen driver be rated on a liability-only vehicle?
Which companies will insure high-risk drivers?
How do I file an SR-22 for a DUI in my state?
Is borrowed equipment or tools covered if stolen or damaged?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can help protect your family.

Learn about car insurance coverages for a 2014 Honda Pilot

Understanding the coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Auto liability insurance

Liability coverage provides protection from damage or injury you incur to people or other property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for things like structural damage, court costs, funeral expenses and loss of income. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Protection from uninsured/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 hospital bills for your injuries and also any damage incurred to your Honda Pilot.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for collisions

Collision coverage pays for damage to your Pilot caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as driving through your garage door, crashing into a building, scraping a guard rail, damaging your car on a curb and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, rock chips in glass, fire damage, a broken windshield and damage from getting keyed. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as prosthetic devices, X-ray expenses and hospital visits. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage