2015 Honda Pilot Insurance Rates – 6 Tricks for Best Quotes

Searching for cheaper auto insurance rates for your Honda Pilot? Car owners fed up with high insurance rates and are new to comparing rates online will discover purchasing affordable insurance coverage is more work than they anticipated.

Smart consumers take time to get comparison quotes periodically because insurance rates change regularly. Despite the fact that you may have had the lowest premium rates for Pilot coverage at your last renewal there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you’re going to learn one of the best ways to find lower rates on auto insurance.

Buying car insurance is quite easy. Just about every vehicle owner who carries insurance coverage will more than likely be able to cut their insurance bill. But car owners must know the way insurance companies price insurance differently.

You may qualify for discounts

Insurance is not inexpensive, but there’s a good chance there are discounts that can help lower your rates. Certain credits will be shown when you purchase, but a few need to be manually applied prior to getting the savings.

• Paperless Signup – Some of the larger companies will provide an incentive for buying your policy on the internet.
• Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and will save you 10% or more.
• College Student Discount – Kids who are attending college and do not have a car can receive lower rates.
• Own a Home and Save – Being a homeowner can save you money due to the fact that maintaining a home demonstrates responsibility.
• Low Mileage – Fewer annual miles on your Honda may enable drivers to earn slightly better insurancerates than normal.
• Auto/Home Discount – If you have multiple policies and insure them both with the same insurance company you could get a discount of approximately 10% to 15%.

You can save money using discounts, but most discounts do not apply to the entire policy premium. Most cut the cost of specific coverages such as medical payments or collision. Even though it may seem like it’s possible to get free car insurance, that’s just not realistic.

The best insurance companies and a selection of discounts include:

• The Hartford offers premium reductions for anti-theft, good student, vehicle fuel type, air bag, bundle, defensive driver, and driver training.
• American Family has discounts for bundled insurance, defensive driver, air bags, good driver, and good student.
• Progressive may offer discounts for continuous coverage, online quote discount, good student, multi-policy, homeowner, online signing, and multi-vehicle.
• Travelers discounts include save driver, early quote, payment discounts, multi-policy, home ownership, and multi-car.
• Farmers Insurance offers discounts including business and professional, electronic funds transfer, multi-car, good student, early shopping, youthful driver, and homeowner.
• USAA offers discounts for safe driver, multi-vehicle, family discount, military installation, and driver training.
• Liberty Mutual policyholders can earn discounts including newly married, new graduate, multi-car, new vehicle discount, and new move discount.

If you need lower rates, check with each insurance company how you can save money. Some of the discounts discussed earlier may not be available in your area. To find insurance companies offering insurance discounts, click this link.

Compare insurance rate quotes online

Most companies such as Allstate and Progressive provide insurance quotes on their websites. Getting prices online is fairly straightforward as you simply type in your personal and coverage information into a form. When complete, the quote system collects your credit score and driving record and quotes a price.

Online price estimates makes comparing rates easy, but the work required to visit each company’s website and repetitively enter the same data into a form gets old quite quickly. Unfortunately, it is important to compare as many rates as possible if you want to find better insurance pricing.

Compare rates the easy way

The smarter way to get multiple rate quotes makes use of a single form to get prices from multiple companies. The form is fast, reduces the work, and makes quoting online much easier to do. As soon as the form is sent, it is quoted and you can select any one of the quotes returned. If the quotes result in lower rates, you simply finish the application and buy the policy. It just takes a couple of minutes and you will know how your current rates stack up.

To save time and compare pricing, click here to open in a new tab and submit your coverage information. To compare your current rates, we recommend you duplicate your coverages identical to your current policy. Doing this guarantees you will have rate comparison quotes for the exact same coverage.

There’s no such thing as the perfect insurance coverage policy

When buying the right insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions might point out if your insurance needs could use an agent’s help.

• Can I make deliveries for my home business?
• Am I covered when driving someone else’s vehicle?
• Should I buy only the required minimum liability coverage?
• Does liability extend to a camper or trailer?
• Why do I only qualify for high-risk insurance?
• Should I bundle my homeowners policy with my auto?
• Am I better off with higher deductibles on my 2015 Honda Pilot?
• What is the ISO rating for a 2015 Honda Pilot?
• Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, complete this form.

Car insurance coverages 101

Having a good grasp of car insurance can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverages

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, damage from a tornado or hurricane and hitting a bird. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability

This provides protection from injuries or damage you cause to people or other property by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like court costs, funeral expenses, repair costs for stationary objects, repair bills for other people’s vehicles and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Uninsured and underinsured coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Honda Pilot.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as nursing services, prosthetic devices and rehabilitation expenses. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage covers damage to your Pilot caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, rolling your car, scraping a guard rail, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Find Good Coverage for Less

Some insurance providers do not provide online rate quotes and usually these regional carriers sell through local independent agents. The cheapest 2015 Honda Pilot insurance can be found both online and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from.

We just presented many ideas to reduce 2015 Honda Pilot insurance rates online. The key thing to remember is the more you quote insurance coverage, the higher your chance of finding inexpensive insurance coverage. You may be surprised to find that the lowest rates come from a small mutual company.

When searching for cheap insurance coverage quotes, it’s very important that you do not reduce coverage to reduce premium. In many cases, an accident victim reduced liability coverage limits and discovered at claim time they didn’t have enough coverage. Your goal should be to purchase plenty of coverage for the lowest price while still protecting your assets.

More resources

• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• What Car Insurance is Cheapest for a Honda Pilot in San Francisco? (SFAutoGuard.com)
• Keeping Children Safe in Crashes Video (iihs.org)
• Driving in Bad Weather (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)