2004 Honda Pilot Insurance Quotes

Buying auto insurance online may seem complicated initially if you are someone who has never done online price quotes. But don’t give up because finding lower prices is actually fairly simple.

It is always a good idea to compare premium rates before your next renewal since insurance prices are adjusted regularly by insurance companies. Just because you had the best price on Pilot insurance six months ago there is a good chance you can find better rate quotes now. Forget all the misinformation about auto insurance because you’re about to learn the fastest way to find the best coverage while lowering your premiums.

Locating the cheapest insurance coverage can be fairly easy. Basically, everyone who shops for insurance coverage stands a good chance to be able to cut their insurance bill. Although drivers do need to learn the methods companies use to sell insurance online because it can help you find the best coverage.

Auto insurance policy discounts

Companies don’t always advertise the entire discount list in an easy-to-find place, so the following list contains a few of the more well known in addition to some of the lesser obvious credits that may apply to you. If you’re not getting every credit you qualify for, it’s possible you qualify for a lower rate.

  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase life insurance.
  • Good Grades Discount – Performing well in school may save you up to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in school.
  • Telematics Devices – Policyholders that allow data collection to look at where and when they drive by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they exhibit good driving behavior.
  • Active Service Discounts – Being on active deployment in the military could mean lower rates.
  • Discount for Swiching Early – A few insurance companies give discounts for signing up prior to the expiration date on your current policy. It’s a savings of about 10%.
  • Discount for Home Ownership – Owning a house can save you money since home ownership is proof of financial responsibility.

A little disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, nobody gets a free ride.

Some of the insurance companies that may have most of these discounts include:

Check with every insurance company to give you their best rates. Depending on the company, some discounts may not be offered in your area.

How do I know if I need professional advice?

When it comes to buying adequate coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine if you would benefit from professional advice.

  • Am I covered if hit by an uninsured driver?
  • Am I covered when driving someone else’s vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Does liability extend to a camper or trailer?
  • If I drive on a suspended license am I covered?
  • What if I owe more than I can insure my car for?
  • Why am I required to buy high-risk coverage?
  • How high should my medical payments coverage be?
  • Do I pay less if my vehicle is kept in my garage?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Are car insurance companies telling the truth?

Car insurance companies such as Progressive, Allstate and Geico endlessly run ads on television and other media. They all seem to make the promise that you’ll save big if you move your car insurance coverage to their company. But how can every company say the same thing? It’s all in the numbers.

All companies give the cheapest rates for the type of customer that will generate a profit. A good example of a profitable insured could be a married male, carries high limits, and has a short commute. A customer who matches that profile will qualify for the lowest rates as well as save a lot if they switch.

Drivers who fall short of those standards will get a higher premium which results in business not being written. Company advertisements say “people who switch” not “everybody who quotes” save that much. This is how insurance companies can claim big savings.

Different companies use different criteria so you absolutely need to compare price quotes frequently. It is just not possible to predict with any certainty which company will give you lower prices than your current company.

Insurance coverages and their meanings

Having a good grasp of insurance helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability insurance

This will cover damage or injury you incur to other’s property or people by causing an accident. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims like medical services, repair bills for other people’s vehicles, structural damage, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Collision coverage protection

Collision insurance covers damage to your Pilot from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sustaining damage from a pot hole, scraping a guard rail, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for short-term medical expenses for prosthetic devices, hospital visits and dental work. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like fire damage, damage from getting keyed, a tree branch falling on your vehicle and hitting a bird. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Honda Pilot.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

What is YOUR best insurance company?

Throughout this article, we presented many ways to reduce 2004 Honda Pilot insurance auto insurance rates online. It’s most important to understand that the more you quote auto insurance, the better your comparison will be. You may even find the best auto insurance rates are with a company that doesn’t do a lot of advertising.

When getting auto insurance quotes online, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice physical damage coverage and learned later that it was a big mistake. Your strategy should be to find the BEST coverage at the best possible price but still have enough coverage for asset protection.

People change insurance companies for a variety of reasons including questionable increases in premium, delays in responding to claim requests, being labeled a high risk driver and even unfair underwriting practices. Whatever your reason, finding a new car insurance company is easier than you think.

Much more information about car insurance can be found at the links below

Comments About 2004 Honda Pilot Insurance

  1. Hedy Bradford

    All companies are crooks. Live in the southern part of Allentown, PA. Checked online prices for a 2004 Honda Pilot. Ended up at about $70 savings annually. Went with GEICO. BTW speeding tickets are not good.

  2. Particia Sears

    I’m from Detroit, MI. Compared quite a few companies. Saved roughly $20 a month. Allstate was the best choice for me.

  3. Yesenia Lara

    I think I’m paying too much. I’m in the west part of Pittsburgh, Pennsylvania. Can’t remember who all I quoted but I ended up saving about $20 each month. Hardly afford to drive anymore. I don’t insure for physical damage though.

  4. Klara Ramsey

    In Newark, NJ compare State Farm with GEICO and see which is best.

  5. Ina Becker

    I went with State Farm at renewal. Best rates in Portland, OR. They were helpful in switching over.

  6. Rosendo Hood

    I compared a lot of rate quotes for a 2004 Honda Pilot in Cranston, Rhode Island. Ended up at right around $100 every six months with Auto-Owners. Left Nationwide to switch. Moved home policy as well. :) Full coverage costs too much.

  7. Claude Harvey

    Live in Kansas City, MO. Compared rates from a lot of places. Saved about $20 a month. State Farm was the most affordable for me. I increased coverages a little too. Not worth enough to pay for comprehensive and collision.

  8. Santa Tyler

    I’m looking for cheaper coverage. I live on the south side of Kailua, Hawaii. Quoted with Allstate, Farmers, and Hartford for my 2004 Honda Pilot and I think I saved about $20 each month. Can still barely afford it.

  9. Javier Huber

    For me, Allstate was by far the cheapest in Owensboro, Kentucky.

  10. Antionette Lynn

    I’m in the north part of Las Vegas, Nevada. Got car insurance rates from Progressive, Esurance, and Hartford for my 2004 Honda Pilot and saved $72 a year. Hopefully won’t need it. They have free quotes online.