How Much Does 2003 Honda Pilot Insurance Cost?

Searching for better auto insurance rates for your Honda Pilot? Overpriced Honda Pilot insurance can take a big chunk out of your checking account and put the squeeze on your family’s finances. Doing a price comparison is a great way to cut your insurance bill. Many insurance companies compete to insure your vehicles, and it can be difficult to compare rates to get the lowest price

Verify you’re getting all your discounts

Car insurance is not cheap, but you can get discounts to reduce the price significantly. Most are applied at the time of quoting, but lesser-known reductions have to be inquired about prior to getting the savings. If you don’t get every credit available, you’re just leaving money on the table.

  • Air Bag Discount – Vehicles with factory air bags can receive discounts of up to 25% or more.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Federal Government Employee – Simply working for the federal government may qualify you for a discount for Pilot coverage with a few auto insurance companies.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Early Switch Discount – A few companies offer discounts for switching policies before your current policy expires. It’s a savings of about 10%.
  • E-sign – Some insurance companies may give you up to $50 for buying a policy and signing up online.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy qualifies for this discount.

It’s important to note that most discounts do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you can get free auto insurance, auto insurance companies aren’t that generous. Any qualifying discounts will cut the amount you have to pay.

A partial list of companies that possibly offer these money-saving discounts include:

It’s a good idea to ask each company which discounts they offer. Some discounts might not be offered in your state.

When should I talk to an agent?

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. For example, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • Why do I need rental car insurance?
  • Should I carry comprehensive and collision coverage?
  • What are the best liability limits?
  • How can I get high-risk coverage after a DUI?
  • How high should deductibles be on a 2003 Honda Pilot?
  • Do I have coverage if my license is suspended?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Drivers who switch save $416 a year? Really?

Consumers can’t get away from ads for cheaper car insurance by State Farm and Allstate. They all seem to say the same thing that you’ll save big after switching to their company.

But how can every company make the same claim? This is how they do it.

Different companies are able to cherry pick for the right customer that earns them a profit. For example, a driver they prefer might be between the ages of 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications will get the preferred rates and therefore will cut their rates substantially.

Consumers who do not match this ideal profile must pay higher premiums and ends up with business not being written. The ads say “drivers who switch” not “people who quote” save that much money. That is how insurance companies can confidently claim big savings.

This illustrates why drivers should get as many quotes as possible. It’s impossible to know which insurance company will provide you with the cheapest Honda Pilot insurance rates.

Car insurance 101

Learning about specific coverages of your auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages available from auto insurance companies.

Collision coverage – Collision coverage will pay to fix damage to your Pilot caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like backing into a parked car, damaging your car on a curb, scraping a guard rail, driving through your garage door and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Liability car insurance – Liability coverage will cover injuries or damage you cause to other people or property in an accident. It protects YOU against claims from other people, and doesn’t cover 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. You commonly see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as bail bonds, repair bills for other people’s vehicles, medical expenses and loss of income. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for X-ray expenses, doctor visits, EMT expenses and surgery. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 2003 Honda Pilot.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive protection – Comprehensive insurance coverage covers 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 coverage pays for claims like falling objects, hail damage, fire damage and vandalism. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

A fool and his money are soon parted

Discount 2003 Honda Pilot insurance is definitely available both online and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance coverage companies do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

In this article, we presented a lot of tips how to lower your insurance rates. It’s most important to understand that the more you quote, the better your comparison will be. Consumers could even find that the lowest priced insurance coverage comes from a smaller regional carrier. Some small companies often have lower prices on specific markets compared to the large companies like Progressive and GEICO.

As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped comprehensive coverage or liability limits and learned later that the few dollars in savings costed them thousands. Your focus should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

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