2017 Honda Pilot Car Insurance Cost – 7 Discounts for Cheaper Prices

Searching for cheaper auto insurance on the internet can seem to be intimidating for comparing rates and buying auto insurance over the internet. With a ridiculous number of online companies, how are we expected to possibly compare every auto insurance company to find better prices?

You should take the time to do price comparisons as often as possible since prices go up and down regularly. Just because you found the best rate for Pilot coverage at your last renewal the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate how to use online quotes to eliminate unnecessary coverages and save money.

If you are paying for car insurance now, you will be able to save some money using this strategy. Finding more affordable insurance coverage coverage is simple if you know the tricks. Nevertheless, vehicle owners must learn how companies price online insurance.

Get lower-cost rates by taking advantage of these seven discounts

Insurance is expensive, but there could be significant discounts that many people don’t even know exist. A few discounts will be applied at the time of quoting, but some discounts are required to be requested specifically before being credited.

• Resident Student – Any of your kids who are attending college and leave their car at home may be able to be covered for less.
• Organization Discounts – Affiliation with a qualifying organization is a good way to get lower rates on your next insurance statement.
• Good Student Discount – Being a good student may save you up to 25%. The discount lasts well after school through age 25.
• Multiple Cars – Purchasing coverage when you have multiple vehicles with one company can reduce the rates for all insured vehicles.
• Accident Waiver – Not a discount per se, but companies like Libery Mutual, Geico and Allstate permit an accident before raising your premiums as long as you don’t have any claims for a set time period.
• Life Insurance – Insurance carriers who offer life insurance give a break if you buy a life insurance policy as well.
• Student Discount for Driver Training – Have your child take driver’s ed class if offered at their school.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky.

Companies and a selection of discounts are outlined below.

• Progressive policyholders can earn discounts including online signing, continuous coverage, homeowner, multi-vehicle, multi-policy, good student, and online quote discount.
• Farmers Insurance offers discounts including pay in full, mature driver, early shopping, distant student, and homeowner.
• Farm Bureau may include discounts for renewal discount, driver training, multi-policy, 55 and retired, safe driver, good student, and youthful driver.
• State Farm includes discounts for accident-free, multiple autos, student away at school, defensive driving training, and multiple policy.
• Geico offers premium reductions for five-year accident-free, membership and employees, anti-theft, driver training, defensive driver, and multi-policy.
• SAFECO may offer discounts for drive less, homeowner, safe driver, teen safe driver, and teen safety rewards.
• Liberty Mutual may have discounts that include newly retired, multi-policy, newly married, good student, new vehicle discount, and new graduate.

Double check with each company or agent how many discounts you can get. Depending on the company, some discounts may not be available in your area. If you would like to see a list of insurers with discount insurance rates, click this link.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

How much car insurance do I need?

When it comes to choosing proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions may help highlight if you would benefit from professional advice.

• Can I rent a car in Mexico?
• What are the financial responsibility laws in my state?
• Am I covered when driving a rental car?
• Does car insurance cover theft of personal property?
• How can I find cheaper teen driver insurance?
• Do I have coverage when using my vehicle for my home business?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form.

But the ad said I’d save 15% in 15 minutes!

Big name companies like Allstate, Geico and Progressive endlessly run ads on television and other media. All the ads state the claim that people will save just by moving your car insurance policy to them. How does every company lower your auto insurance rates?

Car insurance companies have a preferred profile for the type of driver that will add to their bottom line. A good example of this type of risk profile should be a mature driver, carries full coverage, and does not commute to work. A customer that meets those criteria will probably get cheap prices and will also cut their rates substantially.

Insureds who do not match the “perfect” profile will probably have to pay higher prices which usually ends up with the driver buying from a lower-cost company. If you pay close attention to the ads, they say “people who switch” but not “all drivers who get quotes” will save that much if they switch. That is how insurance companies can confidently make those claims.

Different companies use different criteria so you really need to compare price quotes frequently. Because you cannot predict which car insurance company will have the best prices at this point in time.

What insurance coverages do you need?

Knowing the specifics of a insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Uninsured or underinsured coverage – This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like dental work, rehabilitation expenses, nursing services, X-ray expenses and surgery. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Collision coverages – Collision insurance will pay to fix damage to your Pilot resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a ditch, damaging your car on a curb, colliding with another moving vehicle, rolling your car and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive protection – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as theft, damage from a tornado or hurricane, falling objects, hail damage and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability – This protects you from damage that occurs to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as loss of income, emergency aid and attorney fees. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Don’t break the bank

People leave their current company for any number of reasons including denial of a claim, unfair underwriting practices, policy cancellation and even not issuing a premium refund. It doesn’t matter why you want to switch switching companies is easier than you think.

As you go through the steps to switch your coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced liability coverage limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase a proper amount of coverage at the best possible price and still be able to protect your assets.

Cheaper car insurance can be sourced online and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies do not provide rates over the internet and most of the time these small, regional companies work with local independent agencies.

Helpful information

• Airbag FAQ (iihs.org)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption