2014 Honda Pilot Insurance Cost in 2024 – 8 Tips for Cheaper Prices

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 7, 2024

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Searching for lower insurance rates for your Honda Pilot? Wish you could get out of an expensive insurance policy? It’s quite common and there are a lot of people just like you who feel imprisoned by their insurance policy. You have multiple auto insurance companies to choose from, and although it’s nice to be able to choose, too many choices makes it more difficult to find the lowest rates.

First Step: Get free car insurance quotes

Reducing your 2014 Honda Pilot insurance rates can be relatively painless. Consumers just need to invest a little time to compare free car insurance quotes provided by online insurance companies. This can easily be done in several different ways.

  1. The most efficient way to compare a lot of rates at once is a comparison rater form. This form prevents you from having to do separate quotation requests for every company. Taking the time to complete one form will return quotes from all major companies.
  2. A less efficient way to find lower rates is going to the website for every company you want to compare to complete a price quote. For examples sake, we’ll pretend you want to compare rates from USAA, Allstate and Farmers. To get each rate you have to take the time to go to each site to enter your coverage information, which can be really labor intensive.

The method you choose is up to you, but ensure you are comparing apples-to-apples quote data for each price quote. If the quotes have differing limits it will be next to impossible to determine the lowest rate for your Honda Pilot.

Find hidden discounts to get affordable car insurance rates

The cost of insuring your cars can be expensive, but there could be significant discounts that you may not even be aware of. Certain credits will be shown when you complete an application, but once in a while a discount must be asked for prior to receiving the credit.

  • Claim-Free Discount – Insureds with no claims or accidents pay much less in comparison with drivers who are more careless.
  • Service Members Pay Less – Having an actively deployed family member could qualify you for better rates.
  • Buy New and Save – Insuring a new car can be considerably cheaper since newer vehicles are generally safer.
  • Homeowners Savings – Simply owning a home can save a few bucks because of the fact that having a home requires a higher level of personal finance.
  • Include Life Insurance and Save – Not all insurance carriers offer life insurance, but some may give you a discounted rate on car insurance if you buy auto and life insurance together.
  • Drive Less and Save – Keeping the miles down on your Honda could qualify for cheaper premium rates.
  • Memberships – Having an affiliation with qualifying employment or professional organizations is a good way to get lower rates on your next car insurance statement.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to use their safety belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.

A quick disclaimer, most discount credits are not given to the entire cost. Some only apply to individual premiums such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, that’s just not realistic.

Some companies that may have most of the discounts above include:

  • State Farm
  • Esurance
  • Progressive
  • Liberty Mutual
  • Auto-Owners Insurance

Before you buy a policy, ask each insurance company how many discounts you can get. Discounts may not apply to policies in your area. To see insurance companies who offer discounts, enter your zip code here.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Every situation is different and your policy should reflect that. For example, these questions can aid in determining whether you would benefit from professional advice.

  • What exactly is covered by my policy?
  • Can I make deliveries for my home business?
  • When does my teenage driver need to be added to my policy?
  • What is the ISO rating for a 2014 Honda Pilot?
  • Is a new car covered when I drive it off the dealer lot?
  • What is the minimum liability in my state?
  • Am I covered when pulling a rental trailer?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How can I get high-risk coverage after a DUI?
  • When should I remove comp and collision on my 2014 Honda Pilot?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete your zip code. It’s fast, free and can help protect your family.

Detailed coverages of your insurance policy

Knowing the specifics of your policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types offered by insurance companies.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Pilot.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are set the same as your liability limits.

Auto liability

Liability coverage protects you from injuries or damage you cause to people or other property in an accident. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like emergency aid, repair bills for other people’s vehicles, bail bonds and pain and suffering. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Medical expense coverage

Med pay and PIP coverage reimburse you for short-term medical expenses for things like rehabilitation expenses, ambulance fees, surgery and pain medications. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive protection

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a deer, rock chips in glass, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as rolling your car, colliding with a tree and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

What is YOUR best insurance company?

As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice liability coverage limits only to discover later that it was a big mistake. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.

In this article, we presented many tips how you can get a better price on 2014 Honda Pilot insurance. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest priced insurance comes from the least-expected company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.

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