2008 Honda Pilot Insurance Quotes

Trying to find better car insurance rates for your Honda Pilot? Searching for better insurance prices for a Honda Pilot can be difficult, but you can learn the following methods to make it easier. There are both good and bad ways to buy car insurance so we’re going to tell you the best way to get price quotes on a Honda and obtain the best price possible either online or from local insurance agents.

If you have a current auto insurance policy or need a new policy, you can learn to shop for the lowest rates and still get good coverage. Finding the lowest cost auto insurance coverage is simple if you know the tricks. Drivers only need an understanding of how to buy auto insurance online.

How to compare free car insurance quotes

Getting cheaper 2008 Honda Pilot car insurance pricing is not rocket science. The only requirement is to spend a few minutes on the computer to compare rate quotes from different insurance companies. Comparing prices online can be done by using one of the methods below.

1. If you don’t have a lot of time, the easiest way to find low rates would be an industry-wide quote request form like this one (opens in new window). This form prevents you from having to do separate quote forms for every company. Taking the time to complete one form gets rate comparisons direct from many companies. This is perfect if you don’t have a lot of time.
2. A different way to obtain and compare quotes online is going to each company’s website to complete their respective quote request forms. For sake of this example, let’s say you want to compare rates from Liberty Mutual, Allstate and GMAC. In order to get each rate, you would have to take the time to go to each site to enter the same coverage data repeatedly, which can take a lot of time.

   To view a list of companies in your area, click here.

3. The least efficient way to quote and compare insurance rates is physically going to insurance agencies in your area. The internet eliminates this option unless you have a need for the professional guidance that only a licensed agent can provide. It is possible with some companies get the lowest quotes online but have a local agent actually write the policy.

Take whichever approach you prefer, but do your best to enter apples-to-apples coverages for each quote you get. If the quotes have different liability limits it will be next to impossible to find the best deal for your Honda Pilot.

More discounts mean cheap premiums

Not many people think insurance is cheap, but there are discounts available to cut the cost considerably. A few discounts will automatically apply when you get a quote, but a few must be manually applied before you get the savings. If you’re not getting every credit you qualify for, you are just wasting money.

• Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
• Air Bag Discount – Vehicles with factory air bags could see savings as much as 30%.
• Claim Free – Good drivers with no accidents can save substantially when compared to insureds who have frequent claims or accidents.
• Drive Less and Save – Low annual miles could qualify for lower prices due to less chance of an accident.
• Senior Citizen Rates – Older drivers can possibly qualify for a small decrease in premiums for Pilot insurance.
• Distant Student – Kids who live away from home at college and don’t have a car could get you a discount.
• Early Signing – Select auto insurance companies give a discount for switching to them before your current expiration date. You could save around 10% when you buy insurance online.
• Multiple Vehicles – Buying insurance for all your vehicles on the same auto insurance policy could earn a price break for each car.
• Memberships – Participating in specific professional or occupational memberships or organizations can get you a small discount on your policy.
• Government Employees – Having worked for a branch of the government could provide a small rate reduction for Pilot insurance depending on your company.

Drivers should understand that most discount credits are not given to your bottom line cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like you could get a free auto insurance policy, it just doesn’t work that way.

A partial list of companies that may include many of the previously listed discounts may include but are not limited to:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

If you need inexpensive insurance quotes, ask all companies you are considering which discounts you may be entitled to. All car insurance discounts might not be available to policyholders everywhere. If you would like to view insurers with discount rates, click here.

It’s not one size fits all

When it comes to buying the best insurance coverage coverage for your vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out if you will benefit from professional help.

• Is my nanny covered when driving my vehicle?
• How high should my medical payments coverage be?
• What is high-risk coverage and where do I buy it?
• Is my vehicle covered by my employer’s policy when using it for work?
• Why does it cost so much to insure a teen driver?
• Do I need PIP (personal injury protection) coverage in my state?
• How much liability coverage do I need in my state?
• What is roadside assistance coverage?
• Should I waive the damage coverage when renting a car?

If you’re not sure about those questions, you may need to chat with an agent. If you don’t have a local agent, complete this form. It is quick, free and you can get the answers you need.

Information about specific coverages

Knowing the specifics of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for short-term medical expenses like doctor visits, prosthetic devices, ambulance fees, nursing services and surgery. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Comprehensive insurance – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from flooding, a broken windshield, theft and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability auto insurance – Liability insurance provides protection from damages or injuries you inflict on other people or property. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against claims like repair costs for stationary objects, legal defense fees, funeral expenses and medical services. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage – This will pay to fix damage to your Pilot resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like rolling your car, hitting a parking meter, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.