2013 Honda Pilot Insurance Quotes

Searching for the cheapest insurance rates for your Honda Pilot? Are you sick and tired of robbing Peter to pay Paul to pay your insurance bill each month? You are no different than most other vehicle owners.

Lots of insurers contend for your hard-earned dollar, so it’s not easy to compare every provider to get the lowest cost out there.

What determines Honda Pilot insurance prices?

An important part of buying insurance is that you know a few of the rating criteria that are used to determine the rates you pay for insurance coverage. If you have some idea of what determines base rates, this allows you to make good choices that could help you find lower rates. Lots of things are used in the calculation when you get your auto insurance bill. Some are obvious like a motor vehicle report, but others are less obvious like where you live or how safe your car is.

The itemized list below are some of the factors used by your company to calculate your rates.

• Responsible credit equals lower premiums – Having a good credit score is a large factor in determining what you pay. If your credit rating is lower than you’d like, you may save money insuring your 2013 Honda Pilot by taking the time to improve your credit score. Insureds that have good credit tend to be better risks to insure than those with lower ratings.
• Extra policy coverages can waste money – There are a lot of optional add-on coverages that can waste your money if you aren’t diligent. Insurance for rental car coverage, accident forgiveness, and additional equipment coverage are examples of these. The coverages may be enticing when discussing your needs, but if they’re wasting money think about removing them and cutting costs.
• Save money by raising comp and collision deductibles – The deductibles define the amount you are willing to pay in the event of a claim. Physical damage protection, also called ‘full coverage’, is used to repair damage to your car. Some instances where coverage would apply are colliding with a stationary object, hail damage, and having a roll-over accident. The larger the amount you’re willing to pay, the less money you will pay for insurance coverage for Pilot coverage.
• Marriage is a factor – Your spouse actually saves money on your insurance coverage bill. It demonstrates that you tend to be less irresponsible it has been statistically shown that drivers who are married file infrequent claims.
• Tickets can be expensive – Even a single speeding ticket or other violation can increase the cost of insurance forty percent or more. Drivers with clean records get better rates as compared to those with violations. People who have flagrant citations like DUI, reckless driving or excessive speeding may be required to prove financial responsibility with their state’s licensing department in order to legally drive.
• Lower rates with a multi-policy discount – Some insurance companies afford lower prices for people that purchase more than one policy such as combining an auto and homeowners policy. Even with this discount applied, you still need to get quotes from other companies to guarantee you are still saving the most. You may still save even more than the discount by buying insurance from more than one company.
• Urban residents pay more – Living in smaller towns and rural areas of the country has definite advantages when talking about insurance coverage. Fewer people translates into fewer accidents and a lower car theft rate. People who live in big cities tend to have more traffic problems and more severe claims. Longer commute distances means a statistically higher chance of an accident.
• Vehicles with better crash test results means cheaper premiums – Vehicles with high crash test scores tend to be cheaper to insure. Vehicles engineered for safety reduce the chance of injuries and reduced instances of injuries translates into savings for insurance companies and cheaper rates on your policy.

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Discounts for affordable auto insurance rates

Auto insurance is expensive, but you might already qualify for some discounts to cut the cost considerably. Certain credits will be shown when you complete an application, but occassionally some discounts must be asked for before you get the savings. If you do not double check each discount available, you could be saving more on your auto insurance.

• Sign Early and Save – A few auto insurance companies allow discounts for signing up prior to your current policy expiring. The savings is around 10%.
• Accident Waiver – Not necessarily a discount, but a few companies such as State Farm and Progressive will let one accident slide before they charge you more for coverage as long as you don’t have any claims for a set time period.
• New Vehicle Savings – Putting auto insurance coverage on a new car is cheaper because newer models are generally safer.
• Discounts for Good Drivers – Accident-free drivers can get discounts for up to 45% lower rates for Pilot coverage compared to accident prone drivers.
• Passenger Safety Discount – Cars that have air bags and/or automatic seat belt systems could see savings of 20 to 30 percent.
• Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a slight reduction on a insurance coverage quote for Pilot coverage.

Don’t be surprised that most credits do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comp or med pay. So when it seems like it’s possible to get free car insurance, it just doesn’t work that way. But all discounts should help lower your auto insurance premiums.

Some of the insurance companies that possibly offer most of the discounts above are:

• Geico
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

Before buying, ask each company to apply every possible discount. A few discounts may not be offered in your area. To see a list of auto insurance companies with the best discounts, click here.

Tailor your insurance coverage to you

When it comes to choosing coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different so this has to be addressed. For instance, these questions can help discover whether or not you might need an agent’s assistance.

• Do I need higher collision deductibles?
• How do I file an SR-22 for a DUI in my state?
• Do I benefit by insuring my home with the same company?
• When should I remove comp and collision on my 2013 Honda Pilot?
• Am I covered when driving in Canada or Mexico?
• Are my friends covered when driving my car?
• Who is covered when they drive my 2013 Honda Pilot?
• What is covered by UM/UIM coverage?
• Should I carry comprehensive and collision coverage?
• Is other people’s property covered if stolen from my vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Insurance coverage options for a Honda Pilot

Understanding the coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages available from insurance companies.

Collision coverage protection

Collision coverage 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 coverage protects against claims such as colliding with a tree, crashing into a building, backing into a parked car, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, falling objects and rock chips in glass. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability

Liability insurance will cover damages or injuries you inflict on people or other property. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as medical expenses, legal defense fees, structural damage and medical services. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Honda Pilot.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense insurance

Med pay and PIP coverage kick in for short-term medical expenses like doctor visits, nursing services and rehabilitation expenses. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

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Saving money is sweet as honey

In this article, we covered some good ideas how you can compare 2013 Honda Pilot insurance prices online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the best price on auto insurance is with a company that doesn’t do a lot of advertising. These smaller insurers often have lower rates on specific markets than the large multi-state companies such as State Farm, Geico and Nationwide.

When shopping online for auto insurance, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many cases where an insured cut physical damage coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible for the lowest cost but still have enough coverage for asset protection.

Additional detailed information can be found in these articles:

• Things to Know Before you Cancel Insurance (Allstate)
• Understanding your Policy (NAIC.org)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Cellphones, Texting and Driving (iihs.org)
• Vehicle Size and Weight FAQ (iihs.org)

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