2004 Honda Pilot Insurance Rates – 9 Tricks for Cheapest Quotes

Searching for the cheapest auto insurance rates for your Honda Pilot? Finding cheap auto insurance is a challenge for drivers who are new to buying insurance online. There are so many options that it can easily become a big hassle to find cheaper auto insurance rates.

It’s a good habit to do rate comparisons quite often since prices go up and down regularly. Just because you had the lowest rate on Pilot coverage a couple years back you may be paying too much now. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the tricks you need to know to properly buy coverages while reducing your premium.

The purpose of this post is to let you in on how to effectively get price quotes. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this strategy. But drivers do need to know how companies determine prices.

Buy auto insurance online

Most major insurance companies like Progressive, Geico, Allstate and State Farm provide coverage prices online. Comparing prices online can be done by anyone as all you need to do is type in your required coverages as detailed in the form. When complete, the quote system obtains reports for credit and driving violations and generates a price based on these factors.

This makes comparing rates easy, but the time required to go to a lot of sites and enter the same data into a form can be a bit tiresome and repetitive. But it’s absolutely necessary to perform this step in order to find the lowest price.

The easiest way to get multiple rate quotes uses just one form to get prices from several companies at one time. This type of form saves time, reduces the work, and makes online price comparison much simpler. As soon as you send your information, it is quoted and you are able to buy your choice of the quotes that you receive.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. The whole process just takes a couple of minutes and you’ll know if lower rates are available.

In order to compare pricing, click here and input your coverage information. If you have your current policy handy, we recommend you duplicate as shown on your current policy. Using the same limits helps guarantee you will have rate quotes based on identical coverages.

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These nine discounts can lower your auto insurance rates

Some insurance providers don’t list every possible discount in a way that’s easy to find, so the next list breaks down a few of the more common and the harder-to-find discounts you could be receiving when you buy insurance online.

• Air Bag Discount – Factory options such as air bags can receive discounts of 20 to 30 percent.
• Resident Student – Older children who attend college more than 100 miles from home and won’t have access to an insured vehicle could get you a discount.
• Seat Belt Discounts – Using a seat belt and requiring all passengers to fasten their seat belts may be able to save a few bucks off the personal injury premium cost.
• Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education as it can save substantially.
• No Accidents – Drivers with accident-free driving histories get the best auto insurance rates when compared with frequent claim filers.
• Theft Deterent System – Cars and trucks optioned with advanced anti-theft systems are stolen with less frequency and earn discounts up to 10% off your insurance quote.
• Payment Discounts – If paying your policy premium upfront instead of making monthly payments you can avoid the installment charge.
• Paperless Signup – Many auto insurance companies provide a small discount simply for signing on the web.
• Multiple Policy Discount – When you combine your auto and homeowners insurance and place coverage with the same company you will save at least 10% off all policies.

Please keep in mind that most credits do not apply to the entire cost. Most cut the cost of specific coverages such as liability, collision or medical payments. Just because you may think you could get a free auto insurance policy, auto insurance companies aren’t that generous.

To choose providers who offer online auto insurance quotes, click here to view.

Different people need different auto insurance coverages

When it comes to buying the right insurance coverage, there really is no “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that could help you determine if you would benefit from an agent’s advice.

• What exactly is covered by my policy?
• What are the financial responsibility laws in my state?
• Is my 2004 Honda Pilot covered for flood damage?
• Should I drop comprehensive coverage on older vehicles?
• Are rental cars covered under my policy?
• Are all vehicle passengers covered by medical payments coverage?
• What is the difference between comprehensive and collision coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form.

Specific coverage details

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Liability insurance

This coverage can cover injuries or damage you cause to a person or their property. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims like bail bonds, attorney fees, court costs and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

Collision insurance pays for 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 things such as sideswiping another vehicle, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as EMT expenses, pain medications, rehabilitation expenses, chiropractic care and nursing services. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Honda Pilot.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverage

This coverage pays to fix your vehicle from 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 pays for claims such as hitting a deer, theft and a tree branch falling on your vehicle. The most 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 it’s probably time to drop comprehensive insurance.

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Shop Smart and Save

People leave their current company for many reasons like being labeled a high risk driver, delays in responding to claim requests, high rates after DUI convictions or even questionable increases in premium. It doesn’t matter why you want to switch switching companies is not as difficult as it may seem.

The cheapest 2004 Honda Pilot insurance can be purchased both online as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some companies do not provide online rate quotes and many times these smaller companies only sell coverage through independent agents.

When searching for the cheapest insurance quotes, don’t be tempted to skimp on coverage in order to save money. There are too many instances where someone dropped uninsured motorist or liability limits and learned later that it was a big mistake. Your goal should be to find the BEST coverage at the lowest possible cost.

For more information, feel free to visit these articles:

• What is Full Coverage? (Allstate)
• Avoiding Deer Collisions (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Auto Crash Statistics (Insurance Information Insitute)

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