Lower Your 2016 Honda Pilot Insurance Rates

Trying to find better auto insurance rates for your Honda Pilot? Purchasing the lowest cost auto insurance may seem to be challenging for buying their auto insurance on the web. With such a large choice of online companies, how are consumers expected to efficiently compare every possible option in order to find the best pricing?

It’s a good idea to get comparison quotes occasionally because auto insurance rates are constantly changing. Despite the fact that you may have had the lowest rate for Pilot coverage at your last renewal there may be better deals available now. Forget all the misinformation about auto insurance because you’re going to get a crash course in the best methods to save money, get proper coverage and the best rates.

Ways to get car insurance price quotes

To find the best car insurance rates, there are several ways to compare prices from different companies. The easiest way by far to lower the rate you pay for 2016 Honda Pilot insurance is simply to get online rate quotes. This is very easy and can be done in several different ways.

1. The simplest way to get quotes for comparison is a comparison rater form (click to open form in new window). This method keeps you from doing a different quote for each price estimate. One quote request gets you price quotes from many national carriers. Just one form and you’re done.
2. Another way to get comparison quotes is going to each company’s website to request a price quote. For instance, we’ll assume you want to view quotes from USAA, Geico and American Family. You would need to spend time going to each site individually and punch in your information repeatedly, which can take a lot of time.

   For a list of links to companies insuring cars in your area, click here.

Compare rates however you want, just make sure you use exactly the same coverage limits and deductibles for each comparison quote. If you have differing limits it will be next to impossible to get a fair rate comparison. Having just a slight variation in coverages can make a big difference in price. And when comparing car insurance rates, know that comparing more company’s prices increases the change that you will find the best rates.

Discounts can really help save money

Insuring your vehicles can cost a lot, but you might find some hidden discounts that can drop the cost substantially. Some of these disounts will be visible at the time you complete a quote, but a few must be requested specifically before you get the savings.

• Low Mileage – Keeping the miles down on your Honda may allow you to get substantially lower premium rates.
• Claim Free – Drivers who stay claim-free pay much less as opposed to drivers who are more careless.
• Theft Prevention Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and earn discounts up to 10% off your car insurance quote.
• Driver Safety – Taking a class that teaches safe driver techniques could save 5% or more and easily pay for the cost of the class.
• Senior Citizen Rates – Older drivers may receive a slight reduction on a car insurance quote for Pilot coverage.

A little disclaimer on discounts, many deductions do not apply to the entire cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that you would end up receiving a 100% discount, you aren’t that lucky.

To view insurers with the best car insurance discounts, click here to view.

Will just any policy work for me?

When choosing proper insurance coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions might point out if you will benefit from professional help.

• Does my policy pay for OEM or aftermarket parts?
• Is extra glass coverage worth it?
• Should I sign the liability waiver when renting a car?
• Am I insured when driving a different vehicle?
• Is there coverage for injuries to my pets?
• Can I get a multi-policy discount for packaging my home and auto coverage?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Information about specific coverages

Learning about specific coverages of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Honda Pilot.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for immediate expenses for chiropractic care, EMT expenses, rehabilitation expenses, dental work and ambulance fees. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Auto liability insurance – Liability coverage provides protection from injuries or damage you cause to people or other property. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for things like loss of income, court costs and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Collision – Collision coverage covers damage to your Pilot from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like crashing into a ditch, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a deer, rock chips in glass, theft and damage from flooding. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.