Want the cheapest insurance rates for your Honda Pilot? Are you tired of robbing Peter to pay Paul to buy insurance? You have the same problem as the majority of other consumers. You have multiple auto insurance companies to purchase coverage from, and although it’s a good thing to have a choice, too many choices makes it more difficult to compare rates and find the lowest cost insurance.
It’s important to compare premium rates at least once a year because insurance rates are adjusted regularly by insurance companies. If you had the best premium rates on Pilot insurance at your last renewal you can probably find a lower rate today. Block out anything you think you know about insurance because I’m going to teach you how to quote online to lower your annual insurance bill.
Comparing auto insurance rates can be challenging if you don’t understand the best way to get rate quotes. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you could use the web to get the quickest rates.
Many insurance companies participate in an industry program that allows shoppers to submit their information once, and each participating company then gives them pricing based on that data. This eliminates the need for form submissions to each individual auto insurance company.
To submit your quote information now, click to open in new window.
One minor caviat to getting quotes like this is buyers cannot specifically choose the companies to receive prices from. If you would rather choose individual companies to receive pricing from, we have assembled a list of low cost auto insurance companies in your area. Click to view list.
It’s up to you how you get prices quotes, just ensure you’re using identical coverages for every company. If your comparisons have different coverage information it’s not possible to determine the lowest rate for your Honda Pilot.
The price of auto insurance can be rather high, but you may find discounts that many people don’t even know exist. Some of these disounts will be visible when you quote, but less common discounts must be manually applied before you get the savings.
As a disclaimer on discounts, some credits don’t apply to the entire cost. Most cut specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, company stockholders wouldn’t be very happy. Any qualifying discounts will cut your insurance coverage premiums.
A few popular companies and a partial list of their discounts are shown below.
If you are trying to find inexpensive auto insurance quotes, ask every insurance company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policies in your area. To view providers who offer insurance coverage discounts, click here to view.
When buying the right insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions might point out if you might need an agent’s assistance.
If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.
Lots of things are taken into consideration when you quote your car insurance policy. Some of the criteria are obvious such as your driving history, although some other factors are less obvious like where you live or your financial responsibility.The best way to find cheaper auto insurance is to take a look at some of the things that aid in calculating your premiums. If you have a feel for what determines base rates, this enables informed choices that can earn you big savings.
Understanding the coverages of your car insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages offered by car insurance companies.
Comprehensive protection – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for claims like damage from flooding, hail damage and hitting a bird. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Liability auto insurance – Liability insurance provides protection from damage or injury you incur to other people or property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.
Liability insurance covers claims like repair bills for other people’s vehicles, funeral expenses and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.
Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses such as EMT expenses, chiropractic care, doctor visits and prosthetic devices. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage
Collision coverage – This will pay to fix damage to your Pilot resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like crashing into a ditch, sideswiping another vehicle, rolling your car and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.
Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
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 very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.
You just learned many ways to get a better price on 2006 Honda Pilot insurance. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even discover the lowest rates come from a smaller regional carrier. They may cover specific market segments cheaper than the large multi-state companies such as Allstate, Geico and Progressive.
As you restructure your insurance plan, make sure you don’t reduce needed coverages to save money. In too many instances, someone dropped comprehensive coverage or liability limits only to discover later that they should have had better coverage. Your strategy should be to buy enough coverage for the lowest price and still be able to protect your assets.
Daine Hines
Cheapest quote for my 2006 Honda Pilot was with Erie. They have free quotes online.
Brain Franco
Live in the northern part of Virginia Beach, VA. Got car insurance quotes with GEICO, American Family, and some I forget for my 2006 Honda Pilot and saved $365 a year. I think they have home insurance too. It never hurts to quote around.
Carletta Bruce
Do I have to have car insurance in Idaho?
Alyssa York
It all costs too much. Live in Bangor, Maine. Got quotes with AAA, Nationwide, and a few others for my Pilot and saved just over $400 a year.
Piper Robinson
From Anchorage, AK. Quoted with 21st Century, Farmers, and The General for my Honda and am saving around $380 a year. Left Progressive to switch. Are quotes cheaper online?
Lynnette Mccullough
I live west of Lincoln, Nebraska. Got rates from Travelers, Auto-Owners, GMAC, and Sentry for my 2006 Honda Pilot and saved $409 a year. Have an at-fault accident tho.
Ha Dejesus
Just a quick comment on my experience. I’m in the south part of San Antonio, Texas. Quoted with AAA, Esurance, and MetLife for my Honda and saved about $120 a year. Was with Encompass. They have a lot of discounts available.
Lili Mcmillan
Like your site, BTW. I live on the east side of Aberdeen, SD. Quoted with Progressive, Esurance, and GMAC for my 2006 Honda Pilot and cut my rates about $420 a year.
Nickie Gardner
I’m in Rochester, New York, and State Farm rates were affordable.
Vernon Willis
Does GEICO use ACV or replacement cost?
Mario Green
I got decent rates for a 2006 Honda Pilot in Bangor, ME. Ended up at right around $180 every six months with AIG Insurance.
Charlsie Bennett
Will State Farm give a discount for driver training?
Kasha Daniel
Lifelong resident of Norfolk, VA. Compared rates from a lot of places. Saved roughly $40 a month. Progressive was the most affordable for me. I have a teen driver too.
Basil Avery
Cheaper not always better. From Charlotte, NC. Quoted a bunch of companies. Saved roughly $30 a month. 21st Century was the best choice for me.
Piedad Roman
Cheaper not always better. From Louisville, KY. Quoted prices from Auto-Owners, Esurance, and Mercury for my Pilot and I’m now saving $30 a month. Left Encompass to switch. I’m a pretty good driver though.