View 2004 Honda Pilot Insurance Quotes

If online insurance comparisons are new to you, you may be overwhelmed by the large number of online companies offering insurance.

Save on 2004 Honda Pilot insurance

Car insurance companies don’t always list every available discount very clearly, so we took the time to find some of the best known as well as the least known savings tricks you should be using.

  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% for Pilot coverage with certain companies.
  • Pay Upfront and Save – By paying your policy upfront instead of paying each month you could save up to 5%.
  • Air Bag Discount – Cars that have air bags may earn rate discounts of up to 25% or more.
  • Homeowners Discount – Simply owning a home can save you money because maintaining a house demonstrates responsibility.
  • E-sign – A few companies may give you up to $50 just for signing your application online.
  • 55 and Retired – If you’re over the age of 55, you may be able to get a discount up to 10% for Pilot coverage.
  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
  • Low Mileage – Driving fewer miles can earn a substantially lower rate.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like medical payments or collision. So when it seems like all the discounts add up to a free policy, you won’t be that lucky.

Car insurance companies who might offer some of the above discounts include:

Check with every prospective company how you can save money. Savings may not be available everywhere.

Where Can I Get Cheap Insurance Coverage?

Shopping for lower insurance coverage rates can be a daunting task if you don’t know the most efficient way. You can waste a lot of time discussing policy coverages with agents in your area, or you can stay home and use online quoting to quickly compare rates.

Many of the larger companies participate in a marketplace that allows shoppers to submit their information once, and each company returns a competitive quote for coverage. This prevents consumers from doing quote forms to each company.

To use this form to compare 2004 Honda Pilot insurance rates click to open in new window.

The one disadvantage to using this type of form is buyers cannot specifically choose the providers to get quotes from. If you prefer to choose specific insurance companies to request quotes from, we have assembled a list of low cost insurance coverage companies in your area. Click to view list.

Whichever method you choose, compare exactly the same deductibles and coverage limits for each price quote. If you use differing limits it will be next to impossible to truly determine the lowest rate. Slightly different insurance coverages may result in a large different in cost. It’s important to know that getting more free quotes provides better odds of finding a better price.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

For instance, these questions may help highlight if your insurance needs might need an agent’s assistance.

  • Should I buy additional glass protection?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my custom paint covered by insurance?
  • Does coverage extend to a rental car in a foreign country?
  • Why am I required to get a high-risk car insurance policy?
  • Do I need higher collision deductibles?
  • Is a new car covered when I drive it off the dealer lot?
  • What if I total my 2004 Honda Pilot and owe more than it’s worth?
  • Will my insurance pay for OEM parts?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance 101

Knowing the specifics of a insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Coverage for collisions

Collision coverage covers damage to your Pilot resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like backing into a parked car, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, rock chips in glass, damage from getting keyed, hitting a deer and hitting a bird. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Honda Pilot.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for liability

Liability coverage will cover damages or injuries you inflict on people or other property in an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as funeral expenses, attorney fees and loss of income. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for expenses for chiropractic care, ambulance fees, EMT expenses and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Shop. Compare. Save.

Discount 2004 Honda Pilot insurance can be purchased both online and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates. Some insurance companies may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

You just learned some good ideas how to get a better price on insurance. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. Drivers may discover the best prices are with the smaller companies.

Drivers leave their current company for any number of reasons including delays in paying claims, high prices, denial of a claim and high rates after DUI convictions. It doesn’t matter why you want to switch finding a new insurance company can be less work than you think.

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