Cheap 2015 Honda Pilot Insurance Rates

Trying to find the cheapest auto insurance rates for your Honda Pilot? Are you sick and tired of wondering where the money will come from to insure your Honda every month? Your situation is no different than many other consumers. With so many companies and agents to choose from, it can be hard to pick the best auto insurance company.

Locating affordable coverage is simple if you know the tricks. If you are insured now or are looking for a new policy, you can follow these tips to reduce the price you pay while maintaining coverages. Consumers just need to understand the proper methods to compare prices on the web.

Auto insurance companies offer many discounts

Some companies don’t always publicize every possible discount very clearly, so the next list breaks down some of the best known and also the lesser-known discounts that may be available. If you check and find you aren’t receiving every discount available, you are paying more than you should be.

Accident-Free Discounts – Good drivers with no accidents have much lower rates compared to drivers with a long claim history.
Employee of Federal Government – Employees or retirees of the government could provide a small rate reduction for Pilot insurance depending on your company.
Multi-policy Discount – When you combine your homeowners and auto insurance and insure them both with the same insurance company you may earn 10% to 20% off each policy.
Student Discount for Driver Training – It’s a good idea to have your young drivers enroll in driver’s education in school or through a local driver safety program.
Home Ownership Discount – Being a homeowner may trigger a policy discount on auto insurance because owning a home is proof of financial responsibility.
ABS Braking Discount – Cars, trucks, and SUVs with ABS braking systems or traction control can stop better under adverse conditions so companies give up to a 10% discount.

We need to note that most credits do not apply to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Companies and a summarized list of policyholder discounts are:

Farm Bureau includes discounts for multi-vehicle, multi-policy, safe driver, youthful driver, 55 and retired, and renewal discount.
Liberty Mutual policyholders can earn discounts including hybrid vehicle, teen driver discount, new move discount, good student, new vehicle discount, multi-car, and newly retired.
State Farm may offer discounts for driver’s education, multiple autos, passive restraint, multiple policy, and student away at school.
Auto-Owners Insurance may include discounts for air bags, paid in full, good student, mature driver, and safe vehicle.
GEICO discounts include driver training, anti-lock brakes, seat belt use, military active duty, anti-theft, and good student.
SAFECO offers premium reductions for drive less, anti-theft, teen safety rewards, teen safe driver, anti-lock brakes, bundle discounts, and multi-car.

If you want the cheapest auto insurance quotes, ask every prospective company which credits you are entitled to. Discounts might not be offered in your area. To see companies offering auto insurance discounts, click this link.

How to buy auto insurance online

Shopping for lower auto insurance rates can be challenging if you don’t utilize the most efficient way. You can waste a few hours (or days) talking about coverages with agents in your area, or you can utilize the web to get rates in a matter of minutes.

Most of the best insurance companies belong to a marketplace that enables customers to complete one form, and every company returns a competitive quote based on the submitted data. This prevents consumers from doing quote requests to every company.

To use this form to compare rates click here to open in new window.

The only drawback to getting quotes like this is buyers cannot specifically choose which companies you want to price. If you prefer to choose individual companies to request quotes from, we have assembled a list of companies who write auto insurance in your area. Click to view list.

Take whichever approach you prefer, but ensure you’re using nearly identical coverage information on every quote you get. If you use different liability limits you can’t possibly truly determine the lowest rate.

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Do I just need basic coverages?

When choosing the best insurance coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different and your policy should reflect that. These are some specific questions can aid in determining if your insurance needs will benefit from professional help.

Do I need special endorsements for business use of my vehicle?
Do I need higher collision deductibles?
Do I have coverage for damage caused while driving under the influence?
Do I have coverage when pulling a U-Haul trailer?
Do I need rental car coverage?
Is my cargo covered for damage or theft?
Am I insured when driving a different vehicle?
Is extra glass coverage worth it?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage information

Having a good grasp of a insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Shown next are typical coverage types available from insurance companies.

Collision coverage protection

This coverage pays for damage to your Pilot resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like colliding with another moving vehicle, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability insurance

Liability insurance can cover injuries or damage you cause to people or other property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

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 policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as medical services, legal defense fees and structural damage. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Honda Pilot.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits are identical to your policy’s liability coverage.

Comprehensive coverages

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a deer, a broken windshield and rock chips in glass. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses for ambulance fees, X-ray expenses, chiropractic care and pain medications. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Be a Smart Shopper

As you quote auto insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, someone dropped physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage at the best cost, but do not skimp to save money.

We covered many ideas to reduce 2015 Honda Pilot insurance rates online. It’s most important to understand that the more companies you get car insurance rates for, the higher the chance of saving money. Drivers may discover the best rates are with the least-expected company. Regional companies can often provide lower car insurance rates in certain areas than their larger competitors like State Farm or Progressive.