2006 Honda Pilot Insurance Cost

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.

How to buy auto insurance

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.

Lower rate quotes with these discounts

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.

• Discount for Home Ownership – Owning a home can earn you a little savings because it is proof of financial responsibility.
• Accident Free – Drivers who stay claim-free get the best insurance coverage rates compared to insureds who have frequent claims or accidents.
• Discounts for Good Drivers – Drivers without accidents may save up to 50% more on Pilot insurance than drivers with accidents.
• Sign Early and Save – Some larger companies reward drivers for buying a new policy prior to your current policy expiring. You may see this discount when you get auto insurance quotes online.
• Seat Belt Discounts – Requiring all passengers to buckle their seat belts can save 10% or more off the PIP or medical payment premium.
• Military Discounts – Being deployed with a military unit may qualify for rate reductions.
• Distant Student – Youth drivers who are attending college without a vehicle on campus can be insured at a reduced rate.

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.

• Geico may offer discounts for air bags, anti-lock brakes, five-year accident-free, anti-theft, and multi-policy.
• Travelers policyholders can earn discounts including save driver, IntelliDrive, early quote, good student, multi-policy, driver training, and multi-car.
• Nationwide may have discounts that include accident-free, defensive driving, good student, easy pay, and anti-theft.
• Farmers Insurance offers discounts including alternative fuel, good student, multi-car, youthful driver, and bundle discounts.
• Esurance offers premium reductions for good driver, safety device, multi-car, homeowner, and anti-theft.
• State Farm may include discounts for defensive driving training, good driver, multiple policy, multiple autos, and safe vehicle.
• Progressive offers discounts for multi-policy, online signing, multi-vehicle, homeowner, online quote discount, and continuous coverage.
• Mercury Insurance has discounts for good student, ease of repair, anti-theft, age of vehicle, and annual mileage.

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.

Insurance can be complex

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.

• Should I carry comprehensive and collision coverage?
• Do I need PIP coverage since I have good health insurance?
• Am I covered if I crash into my own garage door?
• Am I covered if my car is in a flood?
• Is my babysitter covered when using my vehicle?
• Can I make deliveries for my home business?
• Should I buy more coverage than the required minimum liability coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I need replacement cost coverage?

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.

Why your insurance premiums might be higher

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.

• Women tend to cost less – Statistics demonstrate females are less aggressive when driving. It does not mean women are better drivers. Men and women get in fender benders at about the same rate, but the male of the species cause more damage and cost insurance companies more money. Men also statistically get more serious tickets such as DWI and reckless driving.
• Rates increase with driving citations – Having a clean driving record has a huge affect on how much you pay. Just one ticket could increase your next policy renewal by as much as thirty percent. Careful drivers pay lower auto insurance prices compared to drivers with tickets. Drivers who get license-revoking tickets like reckless driving, hit and run or driving under the influence may need to maintain a SR-22 to the state department of motor vehicles in order to legally drive.
• Physical damage deductibles – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Some instances where coverage would apply could be running into the backend of another car, damage caused by hail, and rolling your vehicle. Comp and collision deductibles define how much you are willing to pay if a claim is determined to be covered. The larger the amount the insured is willing to pay, the lower your rates will be on Pilot insurance.
• Always keep your auto insurance in place – Driving without insurance coverage in place is a big no-no and you will pay a penalty because you let your insurance coverage expire. Not only will you pay more, getting caught without coverage could earn you a hefty fine and possibly a revoked license.
• Combine policies and save – Some insurance companies provide lower prices to buyers who consolidate policies with them in the form of a multi-policy discount. Even with this discount, you may still want to get quotes from other companies to verify if the discount is saving money.There is a good possibility that you can find lower rates by splitting coverages up.
• Get hitched and pay lower costs – Being married actually saves money on your auto insurance policy. Having a significant other generally demonstrates drivers are more stable financially and statistics prove being married results in fewer claims.
• Your car’s features help determine prices – Choosing a vehicle with a theft deterrent system can help lower your rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder vehicle theft.
• Know your credit history – Having a good credit score will be a significant factor in determining what you pay for auto insurance. People that have high credit ratings tend to be better risks to insure as compared to drivers with worse credit. So if your credit rating can be improved, you could potentially save money when insuring your 2006 Honda Pilot if you clean up your credit.

Car insurance coverage basics

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.

Saving money is sweet as honey

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.

Other resources

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Who Has the Cheapest Car Insurance Rates for a Honda Pilot in Long Beach? (LongBeachInsure.com)
• What Car Insurance is Cheapest for a Honda Pilot in Greensboro? (QuoteGreensboro.com)
• Who Has Cheap Auto Insurance Rates for a Honda Pilot in Las Vegas? (LasVegasInsure.com)
• Distracted Driving Extends Beyond Texting (State Farm)
• Choosing an Insurance Company (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)