View 2011 Honda Pilot Insurance Cost

Feel like you’re a prisoner to an underperforming, overpriced insurance policy? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out.

Because there are so many online and local companies to choose from, it’s difficult to find the best car insurance company.

Don’t miss these discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that many people don’t even know exist. Most are applied when you quote, but a few must be specially asked for before you will receive the discount.

  • Drive Less and Save – Driving fewer miles could be rewarded with a substantially lower rate.
  • 55 and Retired – Older drivers can possibly qualify for a discount up to 10% on Pilot insurance.
  • Discount for Swiching Early – Some companies give discounts for switching to them prior to your current policy expiring. The savings is around 10%.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less on Pilot insurance than their less cautious counterparts.
  • Homeowners Pay Less – Being a homeowner may trigger a insurance policy discount because of the fact that having a home is proof that your finances are in order.

It’s important to note that most credits do not apply to the entire policy premium. Some only reduce specific coverage prices like medical payments or collision. Just because you may think it’s possible to get free car insurance, insurance companies aren’t that generous. But all discounts will reduce your overall premium however.

Insurance companies that may offer these benefits are:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Discounts might not apply in every state.

Complexity of Honda Pilot insurance rates

Consumers need to have an understanding of the factors that come into play when calculating the rates you pay for auto insurance. Understanding what impacts premium levels allows you to make educated decisions that may reward you with better auto insurance rates.

The list below includes some of the factors companies use to determine rates.

  • Your stress level may be raising your rates – Did you know that where you work can have an impact on rates? Jobs such as lawyers, business owners and financial analysts are shown to have higher average rates attributed to stressful work requirements and long work days. Conversely, occupations such as farmers, engineers and performers pay the least on Pilot insurance.
  • Bump up deductibles to save – Deductibles for physical damage define the amount you are required to spend out-of-pocket in the event of a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims are running into the backend of another car, vandalism, and rolling your vehicle. The more you have to pay, the bigger discount you will receive on Pilot insurance.
  • Discounts for married couples – Having a spouse can get you a discount when buying auto insurance. Having a significant other translates into being more mature and it’s statistically proven that married drivers get in fewer accidents.
  • Save money with special equipment – Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.

When might I need help?

When choosing coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that For example, these questions could help you determine whether or not you could use an agent’s help.

  • Is my babysitter covered when using my vehicle?
  • I have health insurance so do I need medical payments coverage?
  • Am I covered when delivering products for my home-based business?
  • Why am I required to buy liability insurance?
  • Am I better off with higher deductibles on my 2011 Honda Pilot?
  • Do all my vehicles need collision coverage?
  • What is the minimum liability in my state?
  • What can I do if my company denied a claim?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance policy coverages for a Honda Pilot

Knowing the specifics of auto insurance can help you determine appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. Listed below are typical coverages found on most auto insurance policies.

Collision protection

Collision insurance pays for damage to your Pilot from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as backing into a parked car, driving through your garage door, sideswiping another vehicle, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a broken windshield, hitting a deer and damage from a tornado or hurricane. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability car insurance

This protects you from damage that occurs to people or other property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits 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. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like medical services, pain and suffering, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Honda Pilot.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like chiropractic care, EMT expenses, prosthetic devices, doctor visits and hospital visits. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Cheaper insurance is a realistic goal

We covered some good ideas how you can reduce 2011 Honda Pilot insurance prices online. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. You may even find the best prices are with a small local company. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

When buying insurance coverage, don’t be tempted to reduce needed coverages to save money. There have been many situations where an accident victim reduced liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find for the lowest price while still protecting your assets.

More information can be read at the links below