Save on 2016 Honda Pilot Insurance Quotes

Looking for the cheapest auto insurance rates for your Honda Pilot? Price shopping your auto insurance is challenging for consumers not familiar with comparing rates online. You have so many companies to choose from that it can easily become a real hassle to find the best price.

Smart consumers take time to price shop coverage once or twice a year because insurance rates tend to go up over time. Despite the fact that you may have had the best price on Pilot insurance a few years ago a different company probably has better rates today. Starting now, forget all the misinformation about auto insurance because you’re going to learn the easiest way to save money, get proper coverage and the best rates.

Discounts mean cheaper 2016 Honda Pilot insurance rates

Car insurance companies don’t necessarily list all their discounts very clearly, so here is a list some of the more common and the more hidden ways to save on auto insurance.

  • Paperless Signup – Some insurance companies will discount your bill up to fifty bucks just for signing your application on their website.
  • Passive Restraints and Air Bags – Factory air bags can receive discounts of up to 25% or more.
  • Accident Waiver – Certain companies will allow you to have one accident before your rates go up if you are claim-free for a set time period.
  • Low Mileage Discounts – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Sign Early and Save – Some insurance companies reward drivers for buying a policy before your current expiration date. It can save you around 10%.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% on Pilot insurance depending on your company.
  • Club Memberships – Affiliation with a professional or civic organization could qualify you for a break when shopping for auto insurance on Pilot insurance.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, you’re out of luck.

For a list of insurers with the best auto insurance discounts, click here to view.

How to Compare Auto Insurance

Most companies such as Allstate, GEICO and Progressive give insurance quotes directly from their websites. Getting quotes is pretty painless as you simply type in your personal and coverage information as requested by the quote form. Once entered, their system will obtain your driving and credit reports and provides a quote determined by many factors.

Being able to quote online makes it a lot easier to compare rates but having to visit multiple sites and complete many quote forms can get tiresome after awhile. But it is imperative to get many rate quotes if you are searching for better prices.

A less time-consuming method to find lower prices requires only one form to return rates from many companies. The form is fast, eliminates form submissions, and makes online shopping a little more enjoyable. Immediately after you send the form, your coverage is rated and you can select any or none of the resulting price quotes. If a lower price is quoted, you simply finish the application and buy the new coverage. This process takes 15 minutes at the most and may result in a nice savings.

To quickly compare rates now, click here to open in a new tab and input your coverage information. If you have coverage now, it’s recommended you enter the limits and deductibles identical to your current policy. This makes sure you will have rate comparison quotes for exact coverage.

Some factors that can determine what Honda Pilot insurance costs

Smart consumers have a good feel for some of the elements that play a part in calculating your auto insurance rates. Having a good understanding of what determines base rates helps enable you to make changes that may reward you with big savings.

Shown below are some of the items that factor into rates.

  • Consolidate policies to earn discounts – Some companies will give a discount to policyholders who buy several policies from them such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. If you currently are using one company, it’s still a good idea to compare rates to ensure the best deal.
  • Liability insurance protects assets – Liability coverage is the protection when a court rules you are at fault for damages from an accident. It provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.
  • Being married is a good thing – Getting married actually saves money on auto insurance. Having a spouse is viewed as being more mature it has been statistically shown that being married results in fewer claims.
  • Proper usage rating affects rates – The more you drive each year the higher your rate. Most companies apply a rate based on their usage. Cars and trucks not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance policy is showing the correct driver usage. If your policy improperly rates your Pilot may be costing you.

Tailor your coverage to you

When it comes to choosing coverage, there really is no “best” method to buy coverage. Each situation is unique.

For instance, these questions may help you determine whether or not you might need professional guidance.

  • What vehicles should carry emergency assistance coverage?
  • Should I bundle my homeowners policy with my auto?
  • Is my custom paint covered by insurance?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When should I buy a commercial auto policy?
  • Am I missing any policy discounts?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form.

Car insurance coverages for a Honda Pilot

Understanding the coverages of a auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Collision – This pays for damage to your Pilot from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a mailbox, backing into a parked car, colliding with a tree, colliding with another moving vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive auto insurance – This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, theft and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for immediate expenses for rehabilitation expenses, dental work, prosthetic devices, pain medications and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Honda Pilot.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Liability auto insurance – Liability coverage will cover damage or injury you incur to other’s property or people that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like funeral expenses, medical services and emergency aid. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Find Good Coverage for Less

Affordable 2016 Honda Pilot insurance is definitely available both online as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who don’t offer online quoting and these smaller companies work with independent agents.

Drivers leave their current company for any number of reasons including poor customer service, high prices, delays in paying claims and delays in responding to claim requests. Regardless of your reason for switching companies, choosing a new company can be pretty painless.

As you prepare to switch companies, it’s not a good idea to skimp on coverage in order to save money. Too many times, consumers will sacrifice uninsured motorist or liability limits and learned later that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage for the lowest price while still protecting your assets.

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