Compare 2014 Honda Pilot Insurance Quotes

Have you fallen victim to an overpriced insurance policy? Believe me, there are lots of people in the same boat.

Since consumers have many insurance providers from which to choose, it’s nearly impossible to locate the lowest price insurer.

You should take the time to take a look at other company’s rates occasionally since insurance rates are constantly changing. Even if you got the best rates on Pilot insurance a few years ago a different company probably has better rates today. There is a lot of bad advice regarding insurance on the internet, so we’re going to give you some good information on how to reduce your insurance bill.

Buying affordable protection is easy if you know what you’re doing. Just about every vehicle owner who buys car insurance will be able to find lower rates. Nevertheless, vehicle owners must know how insurance companies market insurance on the web and take advantage of how the system works.

Cut your premium with discounts

Insurance can cost an arm and a leg, but you can get discounts to help offset the cost. Most are applied when you complete an application, but less common discounts must be specially asked for prior to getting the savings.

  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Early Switch Discount – Select companies give a discount for buying a policy before your current expiration date. It’s a savings of about 10%.
  • Accident Forgiveness – Some insurance companies will allow you to have one accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount on Pilot insurance with select insurance companies.

It’s important to understand that most credits do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates adding up those discounts means a free policy, you’re out of luck. Any amount of discount will cut the cost of coverage.

Insurance companies that may have these discounts may include but are not limited to:

Before buying, ask all companies you are considering how you can save money. Some discounts might not be offered in every state.

What is the best insurance coverage?

When buying the best insurance coverage coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out whether or not you may require specific advice.

  • Is my 2014 Honda Pilot covered for flood damage?
  • How much liability insurance is required?
  • Am I covered if hit by an uninsured driver?
  • When should I drop full coverage on my 2014 Honda Pilot?
  • Am I missing any policy discounts?
  • What is medical payments coverage?
  • Are all vehicle passengers covered by medical payments coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Auto insurance coverage information

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages found on most insurance policies.

Collision protection

This coverage covers damage to your Pilot resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like driving through your garage door, rolling your car, backing into a parked car and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses for prosthetic devices, hospital visits, ambulance fees, dental work and doctor visits. They can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Honda Pilot.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability car insurance

Liability insurance protects you from damage that occurs to a person or their property in an accident. This insurance protects YOU from legal claims by others. Liability 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. Your policy might show limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like funeral expenses, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like vandalism, rock chips in glass and hitting a deer. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

The bottom line

Cheaper 2014 Honda Pilot insurance is possible on the web and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some companies do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

You just read many ideas to compare insurance prices online. It’s most important to understand that the more companies you get rates for, the better your comparison will be. Drivers may discover the best prices are with some of the lesser-known companies. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate and Progressive.

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