Compare 2012 Honda Pilot Car Insurance Rates

Having to pay for overpriced Honda Pilot insurance can dwindle your checking account and make it hard to pay other bills. Shopping your coverage around is free and is an excellent way to reduce premiums and put more money in your pocket.

Multiple insurers compete for your business, and it can be difficult to compare rates and uncover the absolute lowest cost out there.

It’s a good habit to compare prices occasionally because rates are adjusted regularly by insurance companies. Even if you think you had the lowest rates on Pilot coverage a couple years back you can probably find a better price now. Starting now, block out anything you think you know about auto insurance because you’re going to learn one of the best ways to reduce your cost while increasing coverage.

If you are paying for car insurance now, you should be able to lower your premiums substantially using this information. Choosing the best insurance company for you is quite easy. But drivers must know how companies compete online because it can help you find the best coverage.

The most recommended method to get rate comparisons is to know the fact car insurance companies allow for online access to give rate comparisons. The only thing you need to do is provide information including distance driven, how much education you have, whether your vehicle is owned or leased, and which vehicles you own. Your insurance information is instantly sent to all major companies and they return cost estimate immediately.

To compare rates for a Honda Pilot now, click here and enter the information requested.

Don’t miss these discounts

Car insurance can cost a lot, but you may find discounts to help bring down the price. Some discounts apply automatically when you get a quote, but some may not be applied and must be requested specifically before you get the savings.

  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Federal Employees – Employees or retirees of the government can save as much as 8% on Pilot coverage with select insurance companies.
  • One Accident Forgiven – Some insurance companies permit an accident before your rates go up if you are claim-free prior to the accident.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Sign Early and Save – Some insurance companies reward drivers for signing up before your current expiration date. It can save you around 10%.

Consumers should know that most credits do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you can get free auto insurance, insurance coverage companies aren’t that generous. Any amount of discount will help reduce your premiums.

For a list of providers with the best insurance coverage discounts, click here to view.

When might I need help?

When buying coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions can aid in determining whether you will benefit from professional help.

  • What is covered by UM/UIM coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I need added coverage for expensive stereo equipment?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What is no-fault insurance?
  • Will filing a claim cost me more?
  • Do I have coverage when making deliveries for my home business?
  • Is pleasure use cheaper than using my 2012 Honda Pilot to commute?
  • Should I carry comprehensive and collision coverage?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Honda Pilot insurance rates consist of many parts

Consumers need to have an understanding of the different types of things that help determine auto insurance rates. Understanding what determines base rates helps enable you to make changes that can help you get much lower annual insurance costs.

  • How many coverages with the same company – Some auto insurance companies will give a discount to people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. If you currently are using one company, you still need to shop around to verify if the discount is saving money.
  • Men pay higher rates – The statistics show that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Both sexes cause accidents at a similar rate, but the men have costlier accidents. Men also statistically get more serious tickets such as DWI and reckless driving. Young males are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
  • Pay less after the wedding – Getting married actually saves money when buying auto insurance. Marriage means you’re more mature and it’s proven that married drivers get in fewer accidents.
  • Rural vs Urban Areas – Choosing to live in a small town has it’s advantages when insuring your vehicles. Fewer people means fewer accidents as well as less vandalism and auto theft. Drivers in populated areas regularly have congested traffic and much longer commute distances. Higher commute times means higher likelihood of an accident.
  • Keep rates low by being claim-free – If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Auto insurance companies award cheaper rates to policyholders who do not rely on their insurance for small claims. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Do you work long hours in a high stress job? – Did you know that where you work can have an impact on rates? Occupations such as lawyers, social workers and accountants have higher rates than average because of job stress and lots of time spent at work. On the flip side, professions such as pilots, athletes and performers get better rates on Pilot coverage.
  • Bad driving skills means higher rates – Drivers with clean records receive lower rates than bad drivers. Just one moving violation may increase your cost by as much as thirty percent. Drivers who have serious citations like hit and run, DWI or reckless driving convictions may need to file a SR-22 with their state motor vehicle department in order to continue driving.
  • Low deductibles can be expensive – Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your Honda from damage. Some instances where coverage would apply could be colliding with a building, vandalism, or theft. Deductibles for physical damage are the amount of money you are willing to pay out-of-pocket in the event of a claim. The more money you are required to pay out-of-pocket, the less your auto insurance will be on Pilot coverage.

Insurance coverage breakdown

Having a good grasp of insurance aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are typical coverage types available from insurance companies.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for bills for things like funeral costs, prosthetic devices, EMT expenses and X-ray expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverage – Liability insurance provides protection from damage that occurs to a person or their property in an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like emergency aid, attorney fees, loss of income, funeral expenses and legal defense fees. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Comprehensive coverage – 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 and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from flooding, rock chips in glass, theft, a tree branch falling on your vehicle and hitting a bird. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Honda Pilot.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Collision coverages – This coverage covers damage to your Pilot from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like driving through your garage door, rolling your car, backing into a parked car, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Money doesn’t grow on trees

As you go through the steps to switch your coverage, don’t be tempted to reduce coverage to reduce premium. There have been many cases where someone sacrificed uninsured motorist or liability limits only to discover later that they should have had better coverage. Your aim should be to find the BEST coverage at an affordable rate.

We’ve covered some good ideas how you can shop for 2012 Honda Pilot insurance online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest premiums are with the least-expected company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

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