Compare 2013 Honda Pilot Car Insurance Rates

Trying to find lower insurance rates for your Honda Pilot? Searching for low-cost insurance for a Honda Pilot can turn out to be a lot of work, but you can learn these tips to make it easier. There are both good and bad ways to compare insurance rates so we’re going to tell you the proper way to compare rates for a Honda and get the best price possible either online or from local insurance agents.

What impacts Honda Pilot insurance costs?

An important part of buying insurance is that you know the factors that go into determining the price you pay for insurance coverage. When you know what positively or negatively controls the rates you pay, this allows you to make good choices that may result in big savings.

• Liability coverage limits are a factor – A critical coverage on your policy, liability insurance kicks in in the event that you are found to be at fault for damages caused by your negligence. It provides for a legal defense to defend your case. Liability insurance is pretty cheap as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
• Annual mileage impacts rates – The more you drive every year the more it will cost to insure it. Many insurance companies charge rates based on how the vehicle is used. Cars and trucks used primarily for pleasure use qualify for better rates as compared to vehicles used primarily for driving to work. Double check that your insurance coverage policy shows the correct usage, because improper ratings can cost you money. Having the wrong rating on your Pilot may be costing you.
• Insurance coverage rates and age – More experienced drivers are proven to be safer behind the wheel, are lower risk to insure , and are generally more financially stable.Youthful drivers are known to be less responsible when at the wheel of a vehicle and because of this, their insurance coverage rates are much higher.
• When should you not file a insurance coverage claims? – If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Auto insurance companies award the lowest premiums to drivers who do not rely on their insurance for small claims. Insurance coverage is intended for more catestrophic claims.

Buy auto insurance online

Finding a lower price on 2013 Honda Pilot insurance is not rocket science. Drivers just need to take a few minutes to compare free insurance coverage quotes from some recommended companies. Shoppers can get rates in a couple of different ways.

• One of the best ways to get the best comparison quotes is an all-inclusive rate comparison click to view form in new window. This type of form eliminates the need for multiple quote forms for every auto insurance company. One quote request will return quotes from all major companies. This is perfect if you don’t have a lot of time.
• Another way to get quotes online is to take the time to go to each company website and repeat the quote process again and again. For example, we’ll assume you want to compare rates from State Farm, Allstate and American Family. To find out each rate you need to spend time on each company’s site to enter the same coverage data repeatedly, and that’s why the first method is more popular.

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

• The old school way to compare rates is actually driving to insurance agents’ offices. The ability to buy insurance online eliminates this option unless you prefer the peace of mind that only an agent can give. You can, however, price shop your coverage online but purchase the actual policy in an agency.

You can choose any of those ways to find more affodable coverage, but do your best to enter nearly identical deductibles and coverage limits for each comparison quote. If your comparisons have unequal deductibles or liability limits you can’t possibly determine the best price for your Honda Pilot.

Discounts for lower-cost insurance coverage rates

The cost of insuring your cars can be expensive, but you might find some hidden discounts that could help you make your next renewal payment. Some discounts will apply at the time of quoting, but a few need to be asked about before you get the savings.

• College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home without a vehicle on campus may be insured at a cheaper rate.
• Safe Driver Discounts – Drivers who avoid accidents can pay as much as 50% less on Pilot coverage as compared to drivers with claims.
• Early Payment Discounts – If paying your policy premium upfront instead of making monthly payments you can avoid the installment charge.
• Discounts for Federal Employees – Having worked for a branch of the government could qualify for a slight premium decrease on Pilot coverage with select insurance companies.
• Defensive Driver Discounts – Taking part in a course that instructs on driving safety could save 5% or more if your company offers it.

As a sidenote, most of the big mark downs will not be given to all coverage premiums. A few only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears you can get free auto insurance, company stockholders wouldn’t be very happy.

To view providers that offer some of these discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there is no single plan that fits everyone. Every insured’s situation is different.

For example, these questions may help highlight if your situation may require specific advice.

• When do I need to add a new car to my policy?
• What is UM/UIM insurance?
• Will my insurance pay for OEM parts?
• Is my 2013 Honda Pilot covered for smoke damage?
• Do I need medical payments coverage since I have good health insurance?
• Do all my vehicles need collision coverage?
• What is the rate difference between pleasure use and commuting?
• Am I getting all the discounts available?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

What insurance coverages do you need?

Knowing the specifics of your policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability coverages

Liability insurance protects you from damages or injuries you inflict on other people or property. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things such as structural damage, medical expenses and emergency aid. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Comprehensive coverage

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hitting a bird, damage from getting keyed and falling objects. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses for things like surgery, nursing services and dental work. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision insurance covers damage to your Pilot caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as rolling your car, crashing into a building, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Don’t break the bank

Cost effective 2013 Honda Pilot insurance can be purchased from both online companies and from local insurance agents, and you need to price shop both to have the best selection. Some companies do not offer online rate quotes and many times these small, regional companies sell through independent agents.

When getting insurance coverage quotes online, make sure you don’t buy poor coverage just to save money. There are too many instances where an insured dropped liability limits or collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible for the lowest price, but do not skimp to save money.

Insureds change insurance companies for any number of reasons including poor customer service, high rates after DUI convictions, an unsatisfactory settlement offer or even being labeled a high risk driver. Regardless of your reason for switching companies, finding a new insurance coverage company can be easy and end up saving you some money.

Much more information about insurance coverage is available at the links below

• Credit and Insurance Scores (Insurance Information Insitute)
• Who Has Cheap Auto Insurance Quotes for a Honda Pilot in Honolulu? (QuoteHonolulu.com)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)
• Coverage Information (Progressive Insurance)
• Electronic Stability Control FAQ (iihs.org)
• Things to Know Before you Cancel Insurance (Allstate)