2018 Honda Pilot Insurance Quotes in 2024

Looking for lower insurance coverage rates for your Honda Pilot? Finding low-cost insurance for a Honda Pilot can normally be difficult, but you can learn the following methods and make it easy. There are both good and bad ways to find insurance coverage online and we’ll show you the proper way to compare rates on a Honda and obtain the lowest possible price either online or from local insurance agents.

Discounts for cheap auto insurance rates

Companies that sell car insurance don’t list every possible discount in an easy-to-find place, so the below list has some of the best known and the more hidden credits that may apply to you.

• Accident-Free Discounts – Good drivers with no accidents can save substantially in comparison to bad drivers.
• Memberships – Joining a qualifying organization is a simple method to lower premiums on auto insurance.
• Driving Data Discount – Drivers who agree to allow their insurance company to look at where and when they drive through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they exhibit good driving behavior.
• Driver Training Discounts – Participating in a course that instructs on driving safety could possibly earn you a 5% discount and make you a better driver.
• Paper-free Discount – A handful of larger companies will give you a small discount shop auto insurance on their website.
• Accident Waiver – Not really a discount, but some insurance companies permit an accident before your rates go up with the catch being you have to be claim-free for a particular time prior to the accident.
• Passive Restraints and Air Bags – Factory air bags or automatic seat belts could see savings of more than 20%.
• Good Grades Discount – Being a good student can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.

A little disclaimer on discounts, most credits do not apply to all coverage premiums. The majority will only reduce specific coverage prices like medical payments or collision. Even though it appears all the discounts add up to a free policy, companies wouldn’t make money that way.

Car insurance companies that may offer most of these discounts are:

• State Farm
• Farmers Insurance
• GEICO
• American Family
• Nationwide
• Progressive

If you need lower rates, check with all the companies which discounts you qualify for. Depending on the company, some discounts may not be offered in your state. To see companies with discount rates, enter your zip code here.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different.

For example, these questions may help you determine if you may require specific advice.

• Am I covered if I break a side mirror?
• Is business property covered if stolen from my car?
• Does my 2018 Honda Pilot qualify for pleasure use?
• Is my state a no-fault state?
• Does my medical payments coverage pay my health insurance deductible?
• Should I bundle my homeowners policy with my auto?
• Does coverage extend to my business vehicle?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and enter your zip code. It only takes a few minutes and can help protect your family.

Ads can be misleading

Consumers can’t escape the ads for insurance coverage savings by GEICO, State Farm and Progressive. They all seem to advertise claims that drivers can save some big amount after switching your coverage to them.

How does each company sell you cheaper insurance coverage? Here is the trick they use.

Many companies offer their best rates for the right customer that will be a good risk. A good example of a driver they prefer may be between 25 and 40, has never had a policy lapse, and drives less than 10,000 miles a year. A customer who matches those parameters will most likely get cheap car insurance rates and will save money with a new company.

Drivers who don’t meet the ideal profile will see higher premium rates which translates to the customer buying from someone else. The wording the ads use say “drivers that switch” not “all people who quote” can save as much as they claim. That is how insurance companies can make the claims of big savings. This really emphasizes why you should compare price quotes frequently. It’s impossible to know which insurance coverage company will fit your personal profile best.

Car insurance 101

Knowing the specifics of car insurance can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Coverage for liability

This coverage will cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property.

Liability can pay for things such as legal defense fees, structural damage and bail bonds. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Honda Pilot.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like theft, damage from getting keyed and vandalism. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like rehabilitation expenses, nursing services, chiropractic care and prosthetic devices. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Coverage for collisions

Collision insurance pays for damage to your Pilot caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like driving through your garage door, damaging your car on a curb, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Don’t break the bank

We covered some good ideas how to reduce 2018 Honda Pilot insurance prices online. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding inexpensive auto insurance. Drivers may discover the lowest priced auto insurance comes from a small mutual company.

Consumers leave their current company for any number of reasons including not issuing a premium refund, questionable increases in premium, extreme rates for teen drivers or even denial of a claim. It doesn’t matter what your reason, choosing a new insurance company is less work than it seems.

Some insurance companies do not provide rates over the internet and many times these smaller companies provide coverage only through local independent agencies. More affordable auto insurance can be sourced online as well as from insurance agents, so you should be comparing quotes from both so you have a total pricing picture.