View 2016 Honda Pilot Insurance Quotes

Looking for cheaper insurance rates? Shoppers have lots of choices when shopping for affordable Honda Pilot insurance. They can either spend hours struggling with agents trying to get quotes or save time using the internet to find the lowest rates.

There is a better way to buy insurance and we’ll show you the best way to quote coverages for your Honda and locate the lowest price from local insurance agents and online providers.

You should make it a habit to compare prices periodically because insurance prices are constantly changing. Just because you found the best deal for Pilot insurance on your last policy you can probably find a better rate quote now. Block out anything you think you know about insurance because you’re going to learn the right way to lower your annual insurance bill.

This article will let you in on how car insurance quotes work and some money-saving tips. If you currently have a car insurance policy, you should be able to cut costs considerably using these methods. Vehicle owners just need to know the most effective way to shop for auto insurance online.

Get lower-cost insurance rates by understanding these factors

Lots of things are considered when quoting car insurance. Most are fairly basic like an MVR report, but some are less apparent such as your marital status or your financial responsibility.

The itemized list below are some of the items used by companies to determine your premiums.

• Are females or males drivers cheaper? – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Males and females cause fender benders in similar numbers, but the men cause more damage and cost insurance companies more money. Men also tend to get higher numbers of serious violations like reckless driving and DUI. Young men ages 16 to 20 cause the most accidents and thus pay the highest rates.
• Getting married brings a discount – Having a spouse helps lower the price compared to being single. Having a significant other means you’re more mature than a single person and it’s proven that being married results in fewer claims.
• Better auto insurance rates with anti-theft devices – Driving a car with a theft deterrent system can help lower your premiums. Anti-theft devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your vehicle from being stolen.
• Rural vs Urban Areas – Residing in a rural area can save you money when insuring your vehicles. Drivers in populated areas have to deal with more road rage incidents and longer commutes to work. Fewer drivers means reduced accidents and lower theft and vandalism rates.
• Auto insurance rates may be lower depending on your employer – Occupational choices like fire fightersair traffic controllers and dentists tend to have the highest average rates due to intense work requirements and lots of time spent away from family. Other jobs like professors, students and homemakers pay lower than average rates for Pilot insurance.
• Youthful vs. older drivers – More mature drivers have been proven to be more responsible, file fewer claims , and usually have better credit.Inexperience drivers are known to be more careless in a vehicle and because of this, their auto insurance rates are much higher.
• A good credit history can save money – Your credit score is a big factor in calculating your auto insurance rates. Therefore, if your credit history is not that good, you could be paying less to insure your 2016 Honda Pilot by repairing your credit. Insureds that have excellent credit tend to file fewer claims than drivers who have lower credit scores.

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Insurance coverage quotes comparison

Finding a better price on insurance coverage is surprisingly easy. You just have to invest a few minutes to compare free insurance quotes from some recommended companies. You can get a good selection of rate quotes in a couple of different ways.

• The most efficient way to find low rates is an all-inclusive rate comparison click here to open form in new window. This quick form saves time by eliminating a different quote to each individual insurance coverage company. Completing one form gets coverage cost estimates from multiple companies. It’s definitely the quickest method.
• A slightly less efficient method to find better pricing requires a visit to each individual company website and repeat the quote process. For sake of this example, we’ll pretend you want to compare State Farm, Geico and Allstate. To do that, you would have to navigate to each company’s site and repeatedly type in your coverage information, which is why first method is reommended. For a list of links to companies insuring cars in your area, click here.

How you compare quotes is your choice, just make darn sure you compare nearly identical quote data for each price quote. If the quotes have different limits and deductibles on each one you will not be able to make an equal comparison.

Save $431 a year! What?

Drivers can’t avoid all the ads that claim the lowest rates from the likes of Allstate and Progressive. All the ads advertise claims about saving some big amount if you switch to them.

How does every insurance coverage company claim to save you money? It’s all in the wording.

Most companies have specific guidelines for the type of driver they prefer to insure. For instance, a desirable risk might be described as between the ages of 40 and 55, has other policies, and has great credit. A customer that fits those parameters will get low premium rates and will also cut their rates substantially.

People who fall short of the ideal profile will probably be forced to pay a higher premium which usually ends up with business not being written. The wording the ads use say “people that switch” but not “all drivers who get quotes” save that kind of money. This is how companies can advertise the savings.

This illustrates why you need to do a quote comparison often. You cannot predict which insurance companies will have better rates than you’re paying now.

Find discounts to get cheap insurance rates

Some insurers do not list every discount in a way that’s easy to find, so the following list contains both the well known and also the lesser-known insurance savings. If they aren’t giving you every credit you deserve, you are throwing money away.

• Membership in Organizations – Participating in a professional or civic organization could earn you a nice discount when shopping for insurance.
• Multi-Vehicle Discounts – Buying a policy with more than one vehicle on a single policy can reduce the rates for all insured vehicles.
• Bundle and Save – When you have multiple policies with the same company you will save approximately 10% to 15%.
• Discounts for Federal Employees – Active or retired federal employment can earn a discount up to 10% for Pilot insurance with select insurance companies.
• Early Switch Discount – Some insurance companies give discounts for buying a policy before your current expiration date. The savings is around 10%.
• Driver Safety – Completing a course that instructs on driving safety is a good idea and can lower rates if your company offers it.
• College Student Discount – Children who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle may be insured at a cheaper rate.

Discounts save money, but please remember that some of the credits will not apply the the whole policy. Most only cut specific coverage prices like medical payments or collision. So when the math indicates all the discounts add up to a free policy, nobody gets a free ride.

Some of the larger companies who might offer some of the above discounts are:

• Travelers
• 21st Century
• State Farm
• Geico
• SAFECO
• AAA

Check with every company how you can save money. Some of the earlier mentioned discounts may not apply to policyholders in your area. To choose insurance companies who offer insurance discounts, click here.

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Tailor your insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Each situation is unique.

For example, these questions could help you determine if you could use an agent’s help.

• Am I covered when driving a rental car?
• Do I need an umbrella policy?
• Which companies will insure high-risk drivers?
• Who is covered when they drive my 2016 Honda Pilot?
• Do I have coverage if my license is suspended?
• Does my medical payments coverage pay my health insurance deductible?
• Do I pay less if my vehicle is kept in my garage?
• How much liability insurance is required?
• Will I be non-renewed for getting a DUI or other conviction?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Parts of your auto insurance policy

Knowing the specifics of a auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and coverage can change by endorsement.

Comprehensive auto insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as theft, damage from getting keyed, rock chips in glass and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto collision coverage

This coverage covers damage to your Pilot from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like hitting a parking meter, driving through your garage door, crashing into a building, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as doctor visits, nursing services, X-ray expenses, EMT expenses and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Honda Pilot.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Auto liability

Liability insurance protects you from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like court costs, structural damage, medical expenses and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Buy online or local, you save

When getting insurance quotes online, it’s very important that you do not skimp on critical coverages to save a buck or two. There are many occasions where an insured cut full coverage and discovered at claim time they didn’t purchase enough coverage. The aim is to buy a smart amount of coverage at a price you can afford but still have enough coverage for asset protection.

Drivers change insurance companies for many reasons like policy cancellation, poor customer service, lack of trust in their agent or even policy non-renewal. Whatever your reason, switching car insurance companies can be less work than you think.

Throughout this article, we presented some good ideas how you can reduce 2016 Honda Pilot insurance prices online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the best price on car insurance is with a smaller regional carrier.

Additional information can be found below:

• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• Auto Insurance Basics (Insurance Information Insitute)

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