2008 Honda Pilot Insurance Cost – 10 Ideas for Best Prices

Trying to find the cheapest auto insurance rates? Buyers have many options when searching for the best price on Honda Pilot insurance. They can either spend hours struggling with agents getting price quotes or utilize the internet to find the lowest rates. There is a better way to find auto insurance online so we’re going to tell you the best way to price shop coverage for your Honda and obtain the lowest price from local insurance agents and online providers.

You should make it a habit to compare premium rates once or twice a year because prices are rarely the same from one policy term to another. Despite the fact that you may have had the best price for Pilot insurance last year there is a good chance you can find better rate quotes now. Don’t believe everything you read about auto insurance out there, but in just a couple of minutes you can learn the best ways to put money back in your pocket.

Don’t overlook these ten insurance discounts

Companies offering auto insurance don’t list all possible discounts very well, so we took the time to find some of the best known and the more hidden discounts that you can inquire about if you buy insurance online. If you’re not getting every credit possible, you could be getting lower rates.

• Use Seat Belts – Requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
• Lower Rates for Military – Having a deployed family member could be rewarded with lower insurance rates.
• Life Insurance – Companies who offer life insurance give lower premium rates if you buy auto and life insurance together.
• Pay Early and Save – By paying your entire bill at once as opposed to paying monthly you could save up to 5%.
• Driving Data Discount – Insureds that choose to allow their company to look at vehicle usage by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may see discounts as long as they are good drivers.
• More Vehicles More Savings – Having all your vehicles on one policy qualifies for this discount.
• Distant Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
• Discounts for Responsible Drivers – Drivers who don’t get into accidents can save as much as half off their rates for Pilot insurance as compared to drivers with claims.
• Claim-Free Discount – Drivers who stay claim-free pay much less compared to frequent claim filers.
• Bundle and Save – If you can combine your auto and home policy and insure them with the same company you will save at least 10 to 15 percent or more.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the overall cost of the policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Even though the math looks like you could get a free insurance policy, it just doesn’t work that way.

A list of insurance companies and the discounts they provide are detailed below.

• Progressive offers premium reductions for continuous coverage, good student, online quote discount, multi-vehicle, multi-policy, and homeowner.
• AAA may include discounts for anti-theft, good student, good driver, pay-in-full, multi-car, education and occupation, and multi-policy.
• Farmers Insurance may offer discounts for distant student, teen driver, multi-car, homeowner, and good student.
• Geico has discounts for membership and employees, five-year accident-free, air bags, multi-vehicle, and emergency military deployment.
• Esurance policyholders can earn discounts including safety device, DriveSense, emergency road assistance, paid-in-full, Pac-12 alumni, and multi-policy.
• SAFECO may have discounts that include drive less, accident prevention training, bundle discounts, multi-car, and anti-lock brakes.
• State Farm discounts include accident-free, anti-theft, good driver, good student, Steer Clear safe driver discount, multiple policy, and driver’s education.

It’s a good idea to ask every insurance company which discounts you may be entitled to. Depending on the company, some discounts might not be offered on policies in your area. If you would like to choose from a list of insurers that offer some of these discounts, click here.

When to get professional advice

When buying the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions might point out if your situation might need professional guidance.

• Why am I required to buy liability insurance?
• Is my dog or cat covered if injured in an accident?
• What is high-risk coverage and where do I buy it?
• Is business property covered if stolen from my car?
• What companies insure drivers after a DUI or DWI?
• Are my tools covered if they get stolen from my vehicle?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverages and their meanings

Understanding the coverages of a auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Auto liability

This protects you from damages or injuries you inflict on other people or property. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability 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 $100,000 of coverage for damaged propery.

Liability can pay for things like repair costs for stationary objects, court costs, legal defense fees, funeral expenses and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like hospital visits, EMT expenses, rehabilitation expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive protection

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, a broken windshield, a tree branch falling on your vehicle and theft. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision insurance

This coverage will pay to fix damage to your Pilot from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a ditch, scraping a guard rail, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Honda Pilot.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Save your hard earned cash

There are still a few companies who may not offer the ability to get quotes online and these smaller providers only sell through independent agencies. Budget-conscious 2008 Honda Pilot insurance is attainable from both online companies and with local insurance agents, so you need to compare both to have the best chance of lowering rates.

We just covered a lot of tips how to save on 2008 Honda Pilot insurance. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Consumers could even find that the lowest auto insurance rates come from the least-expected company.

Consumers leave their current company for any number of reasons including poor customer service, policy cancellation, policy non-renewal or even lack of trust in their agent. Whatever your reason, switching companies is not as difficult as it may seem.

More information is located on the following sites:

• Safety Features for Your New Car (State Farm)
• What is Gap Insurance? (Insurance Information Insitute)
• Alcohol Impaired Driving FAQ (iihs.org)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)