View 2010 Honda Pilot Insurance Cost

If you are new to getting auto insurance quotes online, you may be overwhelmed by the vast number of companies all claiming to save you money.

Components of your Honda Pilot insurance premiums

The best way to find cheaper car insurance is to take a look at some of the elements that play a part in calculating the price you pay for car insurance. If you have a feel for what impacts premium levels, this enables informed choices that will entitle you to lower rates.

• Continuous car insurance coverage lowers prices – Driving your car without having proper coverage is a misdemeanor and car insurance companies will penalize you for letting your insurance expire. In addition to paying higher rates, the inability to provide proof of insurance could earn you a steep fine or even jail time.
• Pay lower premiums if you’re married – Having a significant other may save some money on your policy. It usually means you are more responsible and it’s statistically proven that married drivers tend to file fewer claims.
• Your career may increase prices – Do you have a high-stress occupation? Jobs such as fire fighterspolice officers and stock brokers tend to pay the highest rates due to job stress and lots of time spent away from family. Other occupations like professors, athletes and performers pay lower than average rates on Pilot insurance.
• Premiums can change based on your address – Having an address in small towns and rural areas has it’s advantages when talking about car insurance. Residents of big cities tend to have congested traffic and longer commute times. Fewer people corresponds to lower accident rates in addition to lower liability claims

Do you qualify for discounts?

Insurance coverage is not an enjoyable expense, but you can get discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically when you complete an application, but a few need to be asked for before being credited.

• Early Payment Discounts – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
• Senior Citizen Rates – Older drivers can possibly qualify for better insurance coverage rates on Pilot insurance.
• Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts can get savings of 20% or more.
• Good Students Pay Less – Maintaining excellent grades can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
• Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
• Drive Safe and Save – Accident-free drivers may receive a discount up to 45% on Pilot insurance than drivers with accident claims.
• Defensive Driver Discount – Successfully completing a course that instructs on driving safety could save 5% or more and easily recoup the cost of the course.
• No Accidents – Drivers who don’t have accidents pay much less when compared to drivers with a long claim history.

Keep in mind that most discount credits are not given to your bottom line cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. Even though it appears adding up those discounts means a free policy, it just doesn’t work that way.

Car insurance companies that may offer quotes with many of the previously listed discounts may include but are not limited to:

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

If you want low cost auto insurance quotes, ask each company which discounts can lower your rates. Some of the earlier mentioned discounts might not be offered in your area. If you would like to see a list of companies that offer many of these discounts, follow this link.

Don’t assume everyone needs the same insurance coverage coverage

When buying the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Every insured’s situation is different.

For example, these questions can help discover if your situation will benefit from professional help.

• When can I cancel my policy?
• What are the financial responsibility laws in my state?
• Do I need PIP coverage since I have good health insurance?
• When does my teenage driver need to be added to my policy?
• Does coverage extend to my business vehicle?
• How can I find cheaper teen driver insurance?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Parts of your auto insurance policy

Understanding the coverages of your policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability auto insurance

Liability coverage provides protection from damages or injuries you inflict on people or other property that is your fault. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers claims like attorney fees, legal defense fees, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Collision protection

This coverage pays for damage to your Pilot resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with a tree, sustaining damage from a pot hole, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your Honda Pilot.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a deer, vandalism and hail damage. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for bills such as X-ray expenses, pain medications, nursing services, surgery and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Quote often and quote early

Discount 2010 Honda Pilot insurance can be purchased online and with local insurance agents, so you need to shop auto insurance with both in order to have the best price selection to choose from. Some insurance companies may not provide internet price quotes and most of the time these small, regional companies only sell through independent agents.

Drivers leave their current company for a variety of reasons including extreme rates for teen drivers, delays in paying claims, high rates after DUI convictions and questionable increases in premium. Regardless of your reason for switching companies, switching companies is actually quite simple.

We’ve covered a lot of information how to reduce 2010 Honda Pilot insurance car insurance rates online. The most important thing to understand is the more you quote auto insurance, the more likely it is that you will get a better rate. You may even discover the lowest car insurance rates come from a small mutual company.

Additional resources

• Credit and Insurance Scores (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)
• Driving in Bad Weather (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)