Looking for better auto insurance rates for your Honda Pilot? Finding affordable auto insurance can seem to be somewhat intimidating for buying insurance over the internet. With such a large number of online companies, how are we expected to be able to compare every company to locate cheaper auto insurance prices?
The are a couple different ways to obtain and compare prices from different insurance companies. The quickest method to comparison shop is to perform an online rate comparison. It’s really quite simple and can be done by using one of the methods below.
You can choose any of those ways to find more affodable coverage, but double check that you are using nearly identical coverages and limits with each company. If you are comparing higher or lower deductibles it will be impossible to determine the lowest rate for your Honda Pilot. Quoting even small variations in insurance coverages can result in a big premium difference. And when comparison shopping, obtaining a wide range of quotes helps increase your odds of locating more affordable rates.
When choosing the right insurance coverage, there is no single plan that fits everyone. Everyone’s situation is a little different.
For instance, these questions can help discover whether you might need professional guidance.
If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.
Knowing the specifics of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.
Coverage for liability
This coverage protects you from damages or injuries you inflict on people or other property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage pays for claims such as medical services, attorney fees and emergency aid. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.
Insurance for medical payments
Coverage for medical payments and/or PIP pay for bills for nursing services, funeral costs and pain medications. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like hitting a bird, falling objects, damage from flooding and hitting a deer. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Uninsured Motorist or Underinsured Motorist insurance
This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.
Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.
This pays for damage to your Pilot resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like sustaining damage from a pot hole, colliding with another moving vehicle and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.
Found cheapest coverage with Mercury for my 2018 Honda Pilot and am saving around $120 a year.
I can’t pay high rates. Found cheapest coverage with Nationwide for my Honda and saved around $470 a year. It never hurts to quote around.
GEICO is decent in Concord, NH.
Thought I’d throw in my experience. Live in the northern part of Frederick, MD. I quoted with State Farm, Auto-Owners, and some I forget for my Pilot and saved just over $420 a year. I even had a DUI years ago. Online quotes are the way to go.
From northwest of San Diego, CA. Quoted quotes from Allstate, The General, and Encompass for my Pilot and saved $564 a year.