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Honda Pilot Insurance Rates

You have lots of choices when shopping for insurance coverage for your Honda vehicle. You can either buy through a local agent or get quotes online to compare pricing from many different companies. Shopping for car insurance from online companies saves time, is easy to do and at the same time you might just save a little.

Comparing car insurance rates direct online is challenging if you are a beginner to online rate quotes. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare rate quotes from different insurance companies. The best method to find the lowest Pilot insurance cost consists of shopping online. It is quite easy and can be accomplished by visiting this page.

What factors determine the rate you pay?

Auto insurance rates on a Honda Pilot will vary greatly and are calculated by many factors. Taken into consideration are:

  • High performance increases premiums
  • Your accident history
  • Whether you insure your home with the same company
  • Pleasure use vs. commuting use
  • Special coverage such as replacement cost
  • What you do for a living
  • The level of coverage
  • Whether you rent or own your home

A final factor that will help determine Pilot insurance rates is the model year. Older cars and trucks have a reduced actual cash value in comparison to older models so the cost to replace them may end up costing you less. Conversely, new Honda models may have a trim level with safety features such as autonomous braking, tire pressure monitors, and dual-stage airbags so those may provide discounts that lower premiums.

To get a better idea how much rates will be for your vehicle, select the year of your Pilot from available model years below.

Liability coverage - This provides protection from damages or injuries you inflict on people or other property by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as much as you can afford.

Collision coverage - Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your Pilot can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverage - This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your Honda Pilot comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This gives you protection from other drivers when they either have no liability insurance or not enough. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. PIP coverage is not universally available but can be used in place of medical payments coverage.

How Much are Honda Pilot Insurance Rates?