View 2021 Honda Pilot Car Insurance Quotes in 2024

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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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If you’re trying to find lower-priced insurance, do you get overwhelmed by the wide range of auto insurance providers available to you? vehicle owners have so many providers available that it can really be a chore to find the perfect company for you.

It’s smart to check auto insurance prices at least once a year because auto insurance prices change regularly. Even if you think you had the lowest rates on Pilot coverage a couple years back you will most likely find a better premium rate today. You can find a lot of misleading information regarding auto insurance online, but we’re going to give you a lot of great tips on how to stop overpaying for insurance.

Buying more affordable coverage can be fairly easy. Basically, anyone who is required by state law to have insurance stands a good chance to be able to find lower rates. But drivers must comprehend the way insurance companies compete online because it can help you find the best coverage.

Don’t miss these money-saving discounts

Insurance coverage is not an enjoyable expense, but you may qualify for discounts to help offset the cost. A few discounts will be applied when you get a quote, but some must be specially asked for before you get the savings.

  • Own a Home – Owning a home can save a few bucks due to the fact that maintaining a home demonstrates responsibility.
  • One Accident Forgiven – This one is not really a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm allow you one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • Federal Employees – Having worked for a branch of the government could provide a small rate reduction on Pilot coverage with some insurance coverage companies.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are less likely to be stolen and will qualify for a discount on a insurance quote.
  • Memberships – Having an affiliation with qualifying clubs or civic groups is a simple method to lower premiums on your policy.

You can save money using discounts, but some of the credits will not apply to the whole policy. Some only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will help lower the premium cost.

Companies and their offered discounts are detailed below.

  • State Farm may include discounts for safe vehicle, Drive Safe & Save, passive restraint, multiple autos, and multiple policy.
  • Liberty Mutual has savings for safety features, good student, exclusive group savings, new vehicle discount, multi-car, new move discount, and teen driver discount.
  • American Family discounts include TimeAway discount, good student, early bird, multi-vehicle, air bags, and Steer into Savings.
  • Progressive may have discounts that include good student, multi-vehicle, online quote discount, multi-policy, and homeowner.
  • Farmers Insurance offers premium reductions for teen driver, bundle discounts, mature driver, good student, youthful driver, multi-car, and distant student.
  • Auto-Owners Insurance offers discounts for paid in full, safe vehicle, good student, multiple vehicles, and student away at school.
  • SAFECO may offer discounts for homeowner, teen safe driver, teen safety rewards, drive less, multi-car, safe driver, and anti-lock brakes.

Check with each company or agent which discounts you qualify for. Some discounts listed above may not apply to policyholders in your area. If you would like to choose from a list of insurance coverage companies with significant discounts, enter your zip code here.

The quickest method we recommend to compare rate quotes is to know the trick most of the bigger providers have advanced systems to give free rates quotes. To begin a comparison, all you need to do is provide details like your occupation, coverage limits, driver ages, and your education level. Your rating data is automatically sent to insurance companies and you will receive price estimates instantly to find the best rate.

To compare multiple company rates now, click here and complete the form.

Why your insurance rates might be higher

Lots of factors are part of the equation when premium rates are determined. Some are obvious like an MVR report, but other factors are less obvious such as your marital status and annual miles driven. A large part of saving on insurance coverage is knowing some of the things that are used to determine the price you pay for insurance coverage. If you have some idea of what determines premiums, this empowers consumers to make smart changes that may reward you with big savings.

  • Do you really need roadside assistance? – There are quite a few extra bells and whistles that may not really be needed when buying insurance coverage. Coverages like replacement cost coverage, death and dismemberment, and term life insurance could be just wasting money. They may seem good when you first buy your policy, but if you’ve never needed them in the past think about removing them and cutting costs.
  • Having a spouse pays dividends – Getting married can actually save you money on your insurance coverage bill. It means you’re more stable financially it has been statistically shown that married drivers get in fewer accidents.
  • Age of drivers impacts costs – Older, more experienced drivers are more cautious drivers, statistically cause fewer accidents and are safer drivers. Teenage drivers are proven to be inattentive behind the wheel so insurance coverage rates are higher.
  • Never let your insurance coverage expire – Driving any period of time without insurance is against the law and as a result your rates will increase for letting your insurance coverage expire. And not only will insurance be more expensive, getting caught without coverage can result in a hefty fine and possibly a revoked license.
  • Raising comp and collision deductibles saves money – Physical damage insurance, aka comp and collision, protects your Honda from damage. Examples of some claims that would be covered are a broken side mirror, damage caused by hail, and burglary. The deductibles are the amount of money you are required to spend out-of-pocket if a claim is determined to be covered. The more damage repair cost you’re willing to pay, the less your company will charge you for insurance on Pilot coverage.
  • Don’t get traffic citations – Even a single ticket can increase the cost of insurance twenty percent or more. Attentive drivers receive lower rates than their less careful counterparts. Drivers who have serious violations like reckless driving, hit and run or driving under the influence may find that they have to to prove financial responsibility with the DMV in their state in order to continue driving.
  • Insurance rates in urban areas – Residing in small towns and rural areas can save you money when insuring your vehicles. Less people translates into fewer accident claims and also fewer theft and vandalism claims. City drivers regularly have more traffic problems and much longer commute distances. The longer drive time means more chances of being involved in an auto accident.

Do I need special coverages?

When buying the best insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions may help highlight whether or not you will benefit from professional help.

  • Do all my vehicles need collision coverage?
  • Does insurance cover damages from a DUI accident?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What is UM/UIM insurance?
  • When do I need to add a new car to my policy?
  • What are the financial responsibility laws in my state?
  • What is covered by UM/UIM coverage?
  • What exactly is covered by my policy?
  • When does my teenage driver need to be added to my policy?

If you’re not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete your zip code.

Buyer beware of insurance coverage advertising tricks

Insurance coverage providers like Progressive, Allstate and GEICO regularly use television, radio, and online ads. All the companies say the same thing about how much you will save if you switch your policy. How is it possible that every company can charge you less for car insurance? This is the trick they use.

Insurance providers can use profiling for the type of customer that will not have excessive claims. For instance, this type of risk profile might have to be between the ages of 30 and 50, has no tickets, and drives less than 5,000 miles a year. Anyone who fits that profile receives the best car insurance rates and is almost guaranteed to save money with a new company.

People who don’t qualify for those criteria must pay higher premium rates which translates to business going elsewhere. The trick is to say “people who switch” not “everyone that quotes” save that much. This is how insurance companies can make claims like that.

Because of the profiling, you absolutely need to get insurance quotes as often as possible. Because you cannot predict with any certainty which company will provide the lowest car insurance rates.

Insurance specifics

Having a good grasp of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, vandalism, fire damage, hitting a deer and falling objects. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your 2021 Honda Pilot.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverages – Collision insurance covers damage to your Pilot caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a parking meter, colliding with a tree, crashing into a building, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability – This provides protection from damage that occurs to other people or property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for claims like pain and suffering, funeral expenses, legal defense fees, bail bonds and emergency aid. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for bills such as rehabilitation expenses, dental work, pain medications, nursing services and chiropractic care. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Get your money’s worth

When trying to cut insurance costs, don’t be tempted to sacrifice coverage to reduce premiums. In too many instances, someone dropped liability limits or collision coverage only to regret they didn’t purchase enough coverage. Your aim should be to buy enough coverage for the lowest price while not skimping on critical coverages.

People who switch companies do it for a variety of reasons including denial of a claim, poor customer service, high rates after DUI convictions and unfair underwriting practices. No matter why you want to switch, choosing a new company can be pretty painless.

More affordable car insurance is available from both online companies as well as from insurance agents, so you need to shop insurance with both to have the best selection. A few companies do not offer the ability to get quotes online and most of the time these regional insurance providers prefer to sell through independent agents.

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