Cheap 2012 Honda Pilot Insurance Rates

Feel like you have high-priced auto insurance? You’re preaching to the choir because you’re not the only one.

Insurance companies such as State Farm, Allstate, Geico and Progressive all claim big savings with ads and it is challenging if not impossible to see through the deception and effectively compare rates to find the best deal.

It’s a good idea to check auto insurance prices as often as possible due to the fact that insurance prices are adjusted regularly by insurance companies. Just because you had the lowest rates for Pilot coverage at your last renewal you will most likely find a better rate quote today. Forget all the misinformation about auto insurance because you’re about to learn the right way to save money, get proper deductibles and limits, all at the lowest rate.

If you currently have car insurance, you will most likely be able to save some money using these methods. Buying car insurance is quite easy. Nevertheless, drivers can benefit from knowing how companies sell insurance online.

Find Honda Pilot insurance at a discount

Part of the insurance buying process is learning a few of the rating criteria that aid in calculating your premiums. When you know what positively or negatively determines base rates, this enables informed choices that could result in lower premium levels.

• Pay more if you have a long commute – Choosing to live in small towns and rural areas is a positive aspect when talking about insurance. Fewer drivers corresponds to lower accident rates as well as less vandalism and auto theft. City drivers have more traffic problems and higher rates of accident claims. The longer drive time means a statistically higher chance of an accident.
• Allowing your coverage to lapse raises rates – Not having insurance is against the law and you may have a hard time finding new coverage because you let your insurance lapse. And not only will your rates increase, getting caught without coverage might get you a steep fine or even jail time.
• Policy add-ons may not be needed – Policies have optional add-on coverages you can purchase when buying insurance. Coverages for personal injury protection, high-cost glass coverage, and Farm Bureau memberships may not be needed and are just wasting money. They may sound like good ideas when deciding what coverages you need, but now you might not need them so remove them from your policy.
• Your age impacts your rates – Older people are viewed as being more responsible, cause fewer claims and accidents .Youthful drivers tend to be easily distracted when behind the wheel and because of this, their insurance rates are much higher.
• Prevent theft and save money – Selecting a car model with an alarm system can get you a discount on your insurance. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
• Cheaper to insure gals? – Over the last 50 years, statistics have shown females are less aggressive when driving. It does not mean women are better drivers. Both sexes are in at-fault accidents at a similar rate, but the males have accidents that have higher claims. Not only are claims higher, but men get cited for more serious violations like DWI (DUI) or reckless driving. Youthful male drivers are several times more likely to be in an accident so it costs more to insure them.
• More stress means more cost – Jobs such as real estate brokersair traffic controllers and emergency personnel generally pay higher premium rates in part from intense work-related stress and lengthy work days. Conversely, careers like farmers, students and performers have lower than average premiums for Pilot coverage.

Are you earning every discount?

Insurance can be pricey, but you may qualify for discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be asked for in order for you to get them.

• Good Grades Discount – A discount for being a good student could provide a savings of up to 20% or more. The discount lasts well after school through age 25.
• Club Memberships – Having an affiliation with qualifying employment or professional organizations may earn a discount on your next insurance statement.
• New Vehicle Savings – Putting insurance coverage on a new car can save you some money due to better safety requirements for newer models.
• Active Military Service – Having a family member in the military can result in better premium rates.
• Low Miles Discount – Low mileage vehicles can qualify you for better prices on cars that stay parked.
• Theft Deterent – Cars equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and will save you 10% or more.
• Pay Now and Pay Less – If paying your policy premium upfront as opposed to paying monthly you could save 5% or more.

Drivers should understand that most discounts do not apply to all coverage premiums. Some only reduce individual premiums such as liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, that’s just not realistic. Any amount of discount will help lower your policy premiums.

Popular insurance companies and some of the discounts are:

• AAA offers discounts including multi-policy, anti-theft, multi-car, good student, AAA membership discount, education and occupation, and good driver.
• Progressive includes discounts for good student, online signing, continuous coverage, homeowner, online quote discount, multi-vehicle, and multi-policy.
• State Farm policyholders can earn discounts including good student, accident-free, safe vehicle, multiple autos, and passive restraint.
• Esurance has savings for Pac-12 alumni, homeowner, renters, DriveSense, multi-policy, safety device, and good driver.
• Nationwide offers premium reductions for family plan, easy pay, Farm Bureau membership, anti-theft, multi-policy, and accident-free.

When getting a coverage quote, ask all companies you are considering how you can save money. Savings might not be offered on policies in every state. To view insurers that can offer you the previously mentioned discounts, click this link.

When in doubt talk to an agent

When it comes to buying coverage for your personal vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions can aid in determining if your insurance needs might need an agent’s assistance.

• Should I buy only the required minimum liability coverage?
• Should I file a claim if it’s only slightly more than my deductible?
• Am I covered if I crash into my own garage door?
• What should my uninsured motorist coverage limits be in my state?
• Which is better, split liability limits or combined limits?
• Can I rate high risk drivers on liability-only vehicles?
• Does my insurance cover damage caused when ticketed for reckless driving?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

What car insurance coverages do you need?

Learning about specific coverages of your car insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. These are typical coverage types found on most car insurance policies.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Honda Pilot.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverages

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like vandalism, fire damage, hitting a deer, a tree branch falling on your vehicle and rock chips in glass. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical payments

Med pay and PIP coverage kick in for immediate expenses for things like prosthetic devices, hospital visits, surgery, doctor visits and pain medications. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Liability auto insurance

Liability coverage provides protection from damages or injuries you inflict on a person or their property. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like pain and suffering, court costs, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision insurance

Collision coverage pays for damage to your Pilot caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like scraping a guard rail, colliding with a tree, backing into a parked car, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Shop around and save

Cheaper insurance can be bought from both online companies in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies may not have online quoting and most of the time these small, regional companies only sell coverage through independent agents.

As you restructure your insurance plan, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut physical damage coverage only to discover later they didn’t purchase enough coverage. The goal is to buy enough coverage at the best price.

Additional detailed information can be read in these articles:

• Frontal Crash Tests (iihs.org)
• Who Has Cheap Car Insurance Quotes for a Honda Pilot in Santa Ana? (SantaAnaCoverage.com)
• Parking Tips to Reduce Door Dings (State Farm)
• Child Safety FAQ (iihs.org)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Five Mistakes to Avoid (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)