2018 Honda Pilot Insurance Rates

Are you tired of scraping nickels together to pay your auto insurance bill each month? You are no different than many other drivers.

Popular companies such as State Farm, GEICO and Farmers Insurance constantly blast consumers with ad campaigns and it can be hard to separate fact from fiction and effectively compare rates to find the best deal.

It’s a good idea to do price comparisons at least once a year because auto insurance prices change quite often. If you had the lowest rates for Pilot insurance on your last policy you will most likely find a better premium rate today. Forget all the misinformation about auto insurance because you’re going to learn the tricks you need to know to save money, get proper coverage and the best rates.

Find discounts to get cheap auto insurance rates

Insuring your fleet can be pricey, but you can get discounts that may help make it more affordable. A few discounts will automatically apply at the time of purchase, but once in a while a discount must be specially asked for prior to receiving the credit.

  • Senior Citizen Rates – Mature drivers are able to get better auto insurance rates for Pilot insurance.
  • Military Discounts – Being on active deployment in the military may qualify for rate reductions.
  • Early Signing – A few larger companies give discounts for signing up before your current expiration date. It could save around 10% when you buy insurance online.
  • Multi-Vehicle Discounts – Buying insurance for multiple cars or trucks with the same auto insurance company qualifies for this discount.
  • Paperless Signup – Some of the larger companies will provide an incentive simply for signing on their website.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 20 to 30 percent.
  • Claim Free – Insureds who avoid accidents and claims can save substantially when compared with policyholders that have many claims.
  • Homeowners Savings – Being a homeowner may trigger a policy discount on auto insurance since owning and maintaining a home is proof that your finances are in order.

It’s important to understand that most discount credits are not given to the overall cost of the policy. A few only apply to specific coverage prices like medical payments or collision. Despite the appearance that adding up those discounts means a free policy, companies wouldn’t make money that way.

Some of the larger companies that may include these money-saving discounts are:

Before purchasing a policy, check with each company or agent which discounts you may be entitled to. Some of the earlier mentioned discounts might not be available to policyholders in your area. To see a list of insurance companies who offer discounts, follow this link.

How to buy car insurance online

All the larger car insurance companies like State Farm and Allstate allow consumers to get pricing direct online. Comparing rates online can be done by anyone as all you need to do is type in your personal and coverage information into a form. Once you submit the form, the quote system sends out for reports for credit and driving violations and provides a quote. Online quotes makes it easy to compare insurance prices but having to visit many different websites and type in the same data gets old quite quickly. But it’s absolutely necessary to compare as many rates as possible in order to get a lower rate.

A better way to compare rates uses one simple form that gets prices from multiple companies. The form is fast, reduces the work, and makes online price comparison much more enjoyable. Once the form is submitted, it is quoted with multiple companies and you can pick any of the price quotes you receive. If you find a better price you can click and sign and buy the policy. The whole process can be completed in a matter of minutes and you will know how your current rates stack up.

If you want to use this form to compare rates, simply click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you type in the coverage information exactly as shown on your declarations page. This way, you are getting a fair comparison based on similar coverages.

Informed consumers can cut insurance costs

Lots of things are considered when you get a price on insurance. A few of the factors are predictable such as traffic violations, but some are less apparent like your continuous coverage or your vehicle rating.

  • Do you need those incidental coverages? – There are a lot of extra coverages that may not really be needed if you aren’t careful. Coverages for rental car reimbursement, accident forgiveness, and extra life insurance coverage are some examples. These may sound like a good investment when deciding what coverages you need, but your money might be better spent on other coverage so remove them from your policy.
  • Does your employer cost you more? – Did you know that where you work can have an impact on rates? Careers like military personnelpolice officers and accountants tend to have higher rates than the rest of us in part from high stress and incredibly demanding work hours. On the other hand, jobs like professors, historians and homemakers receive lower rates for Pilot insurance.
  • Put fewer miles on your vehicle – The more you drive your Honda annually the higher the price you pay to insure it. Many insurance companies charge rates determined by how the vehicle is used. Cars that do not get driven very much qualify for better rates than vehicles that have high annual mileage. Improper usage on your Pilot can result in significantly higher rates. Verify your insurance coverage policy states annual mileage, because it can save money.
  • Improve your credit score – Having a bad credit history is a big factor in calculating your insurance coverage rates. Therefore, if your credit rating could use some work, you may save money insuring your 2018 Honda Pilot by improving your rating. Insureds with very high credit ratings tend to be less risk to insure than drivers who have bad credit.

Tailor your insurance coverage to you

When buying the best insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions may help you determine if you might need an agent’s assistance.

  • Is a new car covered when I drive it off the dealer lot?
  • Can I still get insurance after a DUI?
  • Will filing a claim cost me more?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can I rent a car in Mexico?
  • Are all vehicle passengers covered by medical payments coverage?
  • What vehicles should carry emergency assistance coverage?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area.

Don’t believe everything you hear

Respected companies like State Farm and Allstate constantly bombard you with ads in print and on television. They all seem to make the promise that drivers can save some big amount if you switch your policy. How does every insurance company lower your prices? Here is the trick they use.

All the different companies have a preferred profile for the type of driver that will generate a profit. For instance, a profitable insured may be over the age of 40, has never had a policy lapse, and drives a lower-performance vehicle. Any new insured that hits that “sweet spot” receive the lowest rate quotes and therefore will cut their rates substantially.

Consumers who are not a match for the requirements will probably be forced to pay higher premium rates and this results in the prospect going elsewhere. Company advertisements say “drivers that switch” not “everybody who quotes” save that much when switching. That’s why companies can advertise the way they do. This really illustrates why you really need to get insurance quotes from several different companies. It is just not possible to predict with any certainty which company will have the best rates.

Auto insurance coverage information

Understanding the coverages of your car insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on the average car insurance policy.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses for rehabilitation expenses, hospital visits, chiropractic care and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Honda Pilot.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive coverages

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like rock chips in glass, a tree branch falling on your vehicle, vandalism, fire damage and hitting a bird. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance

Liability coverage protects you from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as emergency aid, legal defense fees, pain and suffering, attorney fees and medical expenses. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Collision coverage

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sustaining damage from a pot hole, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Save your hard earned cash

Lower-priced car insurance is attainable online and from local agencies, and you should be comparing both to have the best selection. There are still a few companies who do not provide online quoting and many times these small, regional companies only sell through local independent agents.

We just showed you some good ideas how you can save on 2018 Honda Pilot insurance. The most important thing to understand is the more providers you compare, the higher your chance of finding affordable insurance. You may be surprised to find that the best price on car insurance is with a smaller regional carrier. Regional companies may only write in your state and offer lower premium rates than the large multi-state companies such as Progressive and GEICO.

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