View 2009 Honda Pilot Insurance Rates

I can’t think of a single person who fancies paying their premiums for car insurance, especially when they could lower their rates if they shopped around.

With people having so many different company options, it can be diffult for drivers to locate the lowest price car insurance provider.

You should take the time to do price comparisons once or twice a year because car insurance prices change quite often. Just because you found the lowest quotes on Pilot insurance on your last policy you will most likely find a better rate today. Ignore everything you know about car insurance because we’re going to show you one of the quickest ways to save money, get proper coverage and the best rates.

Finding the best rates is easy if you know what you’re doing. If you currently have a car insurance policy, you will be able to reduce your rates substantially using these tips. Nevertheless, car owners should learn how the larger insurance companies determine prices and apply this information to your search.

Get lower rates by earning discounts

Some providers don’t always list all disounts very well, so the following is a list of some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance online.

  • Early Renewal Discounts – Some insurance coverage companies provide a discount for switching policies prior to the expiration date on your current policy. You may see this discount when you get insurance quotes online.
  • Safety Restraint Discount – Drivers who require all vehicle occupants to buckle up can save up to 15% on the premium charged for medical payments and/or PIP.
  • Military Discounts – Having a deployed family member could trigger a small discount.
  • Senior Citizen Discount – Drivers that qualify as senior citizens are able to get a discount up to 10% on Pilot insurance.
  • Discount for Low Mileage – Keeping the miles down on your Honda may allow you to get slightly better insurance coveragerates than normal.
  • Life Insurance – Larger insurance coverage companies have a discount if you purchase auto and life insurance together.

Just know that most credits do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that having all the discounts means you get insurance for free, it just doesn’t work that way.

To choose insurance coverage companies that offer some of these discounts, click here.

Insurance cost influencing factors

Many things are part of the equation when you quote your car insurance policy. A few of the factors are predictable like an MVR report, although others are not as apparent such as your marital status or your financial responsibility.

  • Liability protection claims can be big – The liability section of your policy provides coverage if you are found liable for an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. Liability insurance is pretty cheap compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • Low physical damage deductibles mean high prices – Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your Honda. Some coverage claims could be running into the backend of another car, hail damage, and having your car stolen. The deductibles tell how much you are required to pay if you file a covered claim. The more of the claim you’re willing to pay, the bigger discount you will receive on Pilot insurance.
  • How’s your driving record? – Even one moving violation can increase the cost of insurance forty percent or more. Careful drivers get better prices than bad drivers. Drivers who have license-revoking violations like DUI, reckless driving or excessive speeding are required to file a SR-22 with their state’s licensing department in order to legally drive.
  • How do annual miles impact costs? – The higher the mileage driven each year the higher the price you pay to insure it. A lot of companies charge rates based upon how you use the vehicle. Cars that have low annual miles get more affordable rates compared to those used for work or business. It’s a smart idea to ensure your vehicle rating shows annual mileage, because it can save money. An improperly rated Pilot can cost quite a bit.
  • Do you have a high stress vocation? – Do you work in a high-stress field? Careers such as military personnelpolice officers and accountants have higher premium rates attributed to intense work requirements and lengthy work days. Other careers such as professors, students and the unemployed generally pay rates lower than average on Pilot insurance.

Your insurance coverage coverage should be tailored to you

When it comes to choosing adequate coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions might help in determining whether or not you will benefit from professional help.

  • If my pet gets injured in an accident are they covered?
  • Why am I required to buy high-risk coverage?
  • What vehicles should carry emergency assistance coverage?
  • Should I get collision insurance on every vehicle?
  • What happens if I owe more than my 2009 Honda Pilot is worth?
  • Am I getting all the discounts available?
  • How much liability insurance is required?
  • Can I still get insurance after a DUI?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Car insurance specifics

Knowing the specifics of your car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by car insurance companies.

UM/UIM Coverage – This provides protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Honda Pilot.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Auto liability insurance – This coverage provides protection from injuries or damage you cause to other’s property or people. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like structural damage, bail bonds, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from flooding, a tree branch falling on your vehicle, hitting a bird, damage from a tornado or hurricane and falling objects. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for chiropractic care, funeral costs, doctor visits, hospital visits and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage – This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a building, rolling your car, sustaining damage from a pot hole, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

A penny earned…

As you quote insurance, it’s not a good idea to buy less coverage just to save a little money. In many cases, an insured cut comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. The ultimate goal is to buy a smart amount of coverage at the best price but still have enough coverage for asset protection.

You just read a lot of techniques to reduce 2009 Honda Pilot insurance car insurance rates online. It’s most important to understand that the more you quote insurance, the higher the chance of saving money. Drivers may discover the most savings is with the least-expected company. These companies may cover specific market segments cheaper as compared to the big name companies such as Geico and State Farm.

For more information, feel free to browse the articles below:

Comments About 2009 Honda Pilot Insurance

  1. Lyndia Hansen

    Cheap is relative. I’m in the south part of Cedar Rapids, Iowa. Compared quite a few companies. Saved about $70 a month. State Farm was the best choice for me. Can still barely afford it.

  2. Ayanna Walls

    I found pretty cheap rate quotes for a 2009 Honda Pilot in Dover, DE. Ended up at roughly $550 every six months with Auto-Owners.

  3. Annett Duncan

    Does North Dakota have minimum liability laws?

  4. Randal Smith

    What is Underinsured Motorist coverage?

  5. Jesenia Holder

    Here’s what I found out. Went with Sentry for my Pilot and saved about $160 a year. Thankfully I’m not a high risk driver. Hardly afford to drive anymore.

  6. Gillian Workman

    I found pretty cheap rate quotes for a 2009 Honda Pilot in Aurora, IL. Ended up at about $580 every six months with Amica. Get lots of quotes to find the best rate.

  7. Cherish Morales

    I live in Buffalo, New York. Quoted with GEICO, Liberty Mutual, and Eastwood for my Pilot and I’m now saving $63 a month.

  8. Jacquelin Salinas

    I live in a small town just outside of Tulsa, OK. I compared lots of rates. Saved about $50 a month. GEICO was the most affordable for me. Left State Farm to switch. BTW speeding tickets are not good. Online quotes are the way to go.

  9. Starla Roach

    Where can I find cheaper car insurance in Lincoln, NE?

  10. Hubert Wade

    Does State Farm use ACV or replacement cost?

  11. Breanna Hoffman

    If you don’t have tickets and are close to Jackson, MS, check out Progressive. I saved quite a bit. I even had a DUI years ago.

  12. Lizette Fischer

    Nice info. I’m from Bismarck, ND. Can’t remember who all I quoted but I ended up saving about $40 each month. I have kids on my policy, too.

  13. Christian Mccray

    I’ve insured with 21st Century for a long time. Pretty cheap in West Valley City, UT.

  14. Monika Mcbride

    I compared a lot of rate quotes for a 2009 Honda Pilot in Huntington, WV. Ended up at darn near $460 every six months with AIG Insurance. Good multi-policy discounts.