2014 Honda Pilot Insurance Rates – 6 Tricks for Best Quotes

Feel like you have an underperforming, overpriced insurance coverage policy? Don’t sweat it because many drivers feel the same as you.

Insurance companies such as State Farm and Geico continually hit you with fancy advertisements and consumers find it hard to see past the corporate glitz and take the time to shop coverage around.

If you currently have car insurance, you will most likely be able to cut costs considerably using this strategy. Buying car insurance is easy if you know what you’re doing. But car owners should learn the methods companies use to price insurance differently.

The fastest way that we advise to compare car insurance company rates utilizes the fact almost all companies allow for online access to compare their rates. All consumers are required to do is provide information including types of safety features, how much coverage you want, whether you drive to work or school, and what you do for a living. That information is automatically sent to insurance companies and they respond with quotes with very little delay.

Different people need different insurance coverage coverages

When it comes to choosing the right insurance coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that may help highlight whether you will benefit from professional help.

• Am I covered when driving on a suspended license?
• When would I need additional glass coverage?
• What vehicles should carry emergency assistance coverage?
• Is there coverage for injuries to my pets?
• Is my vehicle covered by my employer’s policy when using it for work?
• Do I need to file an SR-22 for a DUI in my state?
• Where can I get insurance after a DUI in my state?
• Does my 2014 Honda Pilot qualify for pleasure use?
• Does my liability insurance cover pulling a trailer or camper?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverages 101

Learning about specific coverages of a auto insurance policy aids in choosing the best coverages and proper limits and deductibles. Auto insurance terms can be confusing and nobody wants to actually read their policy. These are the usual coverages found on the average auto insurance policy.

Medical costs insurance

Med pay and PIP coverage kick in for immediate expenses for X-ray expenses, EMT expenses, hospital visits and dental work. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Comprehensive or Other Than Collision

This 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 protects against things like a tree branch falling on your vehicle, theft, hail damage, vandalism and falling objects. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Honda Pilot.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liablity limits.

Auto liability

Liability insurance provides protection from damage that occurs to a person or their property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as emergency aid, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, driving through your garage door, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.