Cheap 2014 Honda Pilot Car Insurance Cost

Want better insurance rates for your Honda Pilot? Trying to come up with a payment for expensive insurance can consume your personal savings and force you to make tough financial choices. Doing a rate analysis is an excellent way to tighten up your finances.

Insurance companies such as State Farm, Progressive and Geico promote their brand names with ad campaigns and it is difficult to sift through the bull and take the time to shop coverage around.

Get affordable auto insurance quotes with discounts

Auto insurance can be pricey, but there could be available discounts that can help lower your rates. Certain discounts will be triggered automatically when you get a quote, but some need to be manually applied prior to getting the savings.

• Own a Home and Save – Owning a house can get you a discount because maintaining a house requires a higher level of personal finance.
• Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in school or through a local driver safety program.
• Discount for Good Grades – Getting good grades may save you up to 25%. Many companies even apply the discount to college students until age 25.
• Bundle and Save – If you can bundle your auto and homeowners insurance with one insurance company you could earn a discount of over 10 percent off each policy depending on the company.
• Buy New and Save – Buying a new car model can save you some money because new vehicles keep occupants safer.
• Paper-free Discount – Some of the larger companies provide a small discount shop insurance coverage over the internet.
• Anti-theft System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen less frequently and can earn a small discount on your policy.
• Organization Discounts – Affiliation with certain professional organizations is a good way to get lower rates on your next renewal.
• Federal Employees – Employees or retirees of the government can earn a discount up to 10% for Pilot coverage with a few auto insurance companies.
• Anti-lock Brake Discount – Cars with anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.

Drivers should understand that most credits do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, companies don’t profit that way. But all discounts will positively reduce the cost of coverage.

To see a list of auto insurance companies that offer the discounts shown above, click this link.

The most recommended method to get rate comparisons is to understand most of the bigger providers participate in online systems to provide you with free rate quotes. To begin a comparison, all you need to do is take a few minutes to give details such as if the vehicle is leased, deductibles desired, which vehicles you own, and how your vehicles are used. The rating information is sent automatically to all major companies and you will receive price estimates immediately.

If you would like to start a quote now, click here and find out if lower rates are available.

Honda Pilot insurance prices can be lower

Many factors are part of the equation when pricing auto insurance. A few of the factors are predictable like your driving record, but others are not as apparent such as your credit history or how safe your car is.The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that go into determining the price you pay for auto insurance. If you have a feel for what controls the rates you pay, this enables you to make decisions that could help you find big savings.

• Insurance rates in urban areas – Having an address in small towns and rural areas is a good thing when insuring your vehicles. Lower population means fewer accidents and lower theft and vandalism rates. Drivers who live in large cities have more auto accidents and much longer commute distances. Higher commute times means more chances of being involved in an auto accident.
• Avoid traffic tickets – Drivers who don’t get tickets get better rates compared to bad drivers. Only having one citation can increase rates substantially. Drivers who get license-revoking violations like DUI or reckless driving may find that they have to to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to prevent a license revocation.
• Cheaper auto insurance rates for prior coverage – Driving your car without having proper coverage is against the law and companies may charge more for letting your coverage have a gap. Not only will you pay more, not being able to provide proof of insurance can result in a steep fine or even jail time.
• Auto insurance rates and age – Older, more experienced drivers are proven to be safer behind the wheel, file fewer claims , and usually have better credit.Young drivers are statistically proven to be easily distracted when driving with friends so auto insurance rates are higher.
• Your gender affects costs – Statistics show females are less aggressive when driving. However, don’t assume that men are WORSE drivers than women. Both genders cause accidents at a similar rate, but males cause more damage. Not only are claims higher, but men get ticketed for serious violations such as DWI and reckless driving. Young males are several times more likely to be in an accident and therefore pay the highest rates.
• Car plus home equals more savings – Most larger insurers will give a discount to buyers that buy multiple policies in the form of a multi-policy discount. The discount can add up to as much as ten percent or more Even with this discount applied, you still need to shop around to help guarantee you have the best rates.
• Liability coverage is critical – The liability section of your policy provides coverage if ever a court rules you are at fault for personal injury or accident damage. Your policy’s liability insurance provides you with a defense in court to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.

Tailor your auto insurance coverage to you

When buying proper insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether you might need professional guidance.

• Am I covered if I hit a deer?
• Do I need an umbrella policy?
• I have a DUI can I still get coverage?
• Do I need PIP coverage since I have good health insurance?
• Do I have coverage if my license is suspended?
• Can my teen drive my company car?
• Are rock chip repairs covered?
• Can I rent a car in Mexico?
• Do I have coverage when pulling a U-Haul trailer?
• Are all vehicle passengers covered by medical payments coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Don’t listen to company ads

Big name companies like Allstate, Geico and Progressive seem to constantly run television and radio advertisements. They all advertise claims of big savings if you move your policy. That’s great but how can every company offer drivers better rates? It’s all in the wording.

Auto insurance companies have strict underwriting profiles for the driver that will most likely be profitable. A good example of a desirable insured could be a married male, has never had a claim, and drives less than 7,500 miles a year. Anybody that meets those criteria will qualify for the lowest car insurance rates and will probably pay quite a bit less when switching companies.

Consumers who may not quite match the ideal profile must pay a more expensive rate and the customer buying from a different company. If you listen to the ad wording, they say “customers that switch” but not “all drivers who get quotes” will save that much if they switch. That’s why insurance companies can advertise the savings.

Because of these techniques, you absolutely need to compare rate quotes every year. It’s not possible to predict with any certainty which company will have the lowest rate quotes.

Insurance coverages and their meanings

Learning about specific coverages of insurance can be of help when determining the best coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most insurance policies.

Liability coverage

This can cover injuries or damage you cause to other people or property. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as pain and suffering, emergency aid and medical services. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from flooding, hitting a deer and theft. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision coverage will pay to fix damage to your Pilot from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a ditch, sustaining damage from a pot hole, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for immediate expenses like hospital visits, surgery and dental work. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Be Smart and Buy Smart

When searching for cheaper insurance coverage quotes, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. The aim is to buy enough coverage at an affordable rate.

We just showed you quite a bit of information on how to shop for 2014 Honda Pilot insurance online. The key concept to understand is the more times you quote, the better your chances of lowering your premium rates. You may even discover the best price on insurance is with a lesser-known regional company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate, Geico and Progressive.

Even more information can be read at these sites:

• What is Full Coverage? (Allstate)
• Booster Seat Ratings (iihs.org)
• What is Covered by GAP Insurance? (Allstate)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Five Mistakes to Avoid (Insurance Information Insitute)