Lower Your 2019 Honda Pilot Insurance Cost in 2024

Trying to find cheaper car insurance rates for your Honda Pilot? Searching for cheaper insurance for a new or used Honda Pilot can turn out to be an all-consuming task, but you can use our car insurance buying tips and make it easy. There is a better way to buy car insurance so we’re going to tell you the best way to quote coverages for your Honda and locate the cheapest rates from local insurance agents and online providers.

It’s a good idea to get comparison quotes as often as possible because car insurance prices change regularly. Despite the fact that you may have had the lowest rate for Pilot coverage a few years ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because I’m going to teach you how to use online quotes to reduce your cost while increasing coverage.

Reduce insurance rates with these tips

Lots of things are used in the calculation when premium rates are determined. Some factors are common sense such as your driving record, although others are more transparent like where you live or your commute time. An important part of buying insurance is that you know the different types of things that go into determining the price you pay for insurance. When consumers understand what determines base rates, this enables informed choices that can help you get lower premium levels.

• Traffic violations can increase rates – How you drive has a huge affect on how much you pay. Attentive drivers get better prices as compared to careless drivers. Getting just one ticket may increase your cost to the point where it’s not affordable. People who have serious tickets like DUI, reckless driving or excessive speeding may need to prove financial responsibility with their state motor vehicle department in order to keep their license.
• Increase comp and collision deductibles and save – Insurance for physical damage, also known as collision and other-than-collision, helps pay for damage to your vehicle. Some instances where coverage would apply could be a broken side mirror, hitting a deer, or theft. Your deductibles are how much you are required to spend before your insurance pays a claim. The more expense you pay before a claim is paid (deductible), the bigger discount you will receive for Pilot coverage.
• If you don’t need it don’t buy it – There are quite a few extra coverages that can add up if you aren’t diligent. Coverages like replacement cost coverage, death and dismemberment, and motor club memberships are some examples. They may seem good when buying your policy, but your money might be better spent on other coverage so remove them and pocket the money.
• Don’t skimp on liability coverage – Your policy’s liability coverage will afford coverage when a court rules you are at fault for personal injury or accident damage. It will provide legal defense up to the limits shown on your policy. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should carry high limits.
• Men drivers tend to cost more – Over the last 50 years, statistics have shown females are less aggressive when driving. That doesn’t necessarily mean that females are better drivers. Females and males tend to get into accidents in similar numbers, but the male of the species have costlier accidents. They also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.
• Having a spouse brings a discount – Getting married actually saves money on your insurance bill. Marriage is viewed as being more responsible and statistics show drivers who are married are more cautious.
• Infrequent drivers can save – The more you drive your Honda in a year’s time the more you’ll pay to insure it. A lot of companies calculate prices based upon how much you drive. Cars that are left in the garage can get a lower rate than those used for commuting. Ask your agent if your insurance policy is rated on how each vehicle is driven. Having an incorrect usage rating on your Pilot can cost quite a bit.

These discounts can lower your car insurance rates

Insurance can cost an arm and a leg, but you might already qualify for some discounts that you may not even be aware of. Certain discounts will be applied at the time of quoting, but a few must be manually applied in order for you to get them.

• Active Military Service – Being on active duty in the military may lower your rates slightly.
• New Car Discount – Adding a new car to your policy can be considerably cheaper because new model year vehicles have to meet stringent safety requirements.
• Defensive Driver Discounts – Passing a course in safe driver can save you 5% or more if your company offers it.
• No Claim Discounts – Insureds with no claims or accidents can earn big discounts when compared with drivers with a long claim history.
• No Charge for an Accident – but a handful of insurance companies will allow you to have one accident without getting socked with a rate hike if you are claim-free for a certain period of time.
• Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off for Pilot coverage but check with your company.
• Theft Prevention System – Anti-theft and alarm system equipped vehicles are stolen with less frequency and will qualify for a discount on a insurance coverage quote.
• Low Mileage Discounts – Fewer annual miles on your Honda can qualify you for better prices on cars that stay parked.

Keep in mind that most discounts do not apply to the whole policy. Most only apply to individual premiums such as comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, that’s just not realistic.

Some companies that may offer quotes with some of the discounts shown above possibly include:

• GEICO
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

If you are trying to find inexpensive insurance coverage quotes, ask all companies you are considering which discounts can lower your rates. All car insurance discounts may not apply to policies in your area. To see providers that offer the discounts shown above, enter your zip code here.

Do drivers who switch really save?

Consumers get pounded daily by advertisements that promise big savings by Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim that people will save if you just switch to them.

How is it plausible that every one can cost less than your current company? This is the trick they use.

Companies require specific criteria for the driver that earns them a profit. One example of this type of risk profile might be over the age of 40, owns their home, and drives a lower-performance vehicle. Anybody who fits those characteristics will get the preferred car insurance rates and therefore will save when switching.

Potential insureds who don’t measure up to those criteria will probably have to pay more expensive rates and ends up with the customer buying from a different company. The ads say “drivers who switch” not “all people who quote” can get the lowest rates when switching. That’s why insurance companies can claim big savings. This really drives home the point why you should compare rate quotes every year. Because without a comparison, you cannot know with any certainty which company will fit you best based on your risk profile.

Different people need different car insurance coverages

When it comes to buying proper insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine whether your personal situation would benefit from professional advice.

• Am I missing any policy discounts?
• If my pet gets injured in an accident are they covered?
• Is my Honda Pilot covered if I use it for business?
• Do I need added coverage for expensive stereo equipment?
• Should I get collision insurance on every vehicle?
• Does my personal policy cover me when driving out-of-state?
• What if I total my 2019 Honda Pilot and owe more than it’s worth?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out your zip code. It’s fast, free and can help protect your family.

Car insurance coverages explained

Learning about specific coverages of your car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Honda Pilot.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for collisions

This coverage covers damage to your Pilot resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like scraping a guard rail, driving through your garage door, sustaining damage from a pot hole, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive protection

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

Comprehensive coverage protects against claims like vandalism, a broken windshield and hitting a deer. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for expenses for surgery, ambulance fees and pain medications. They are used in conjunction with a health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability coverage will cover damages or injuries you inflict on people or other property in an accident. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property.

Liability coverage protects against things like pain and suffering, loss of income, bail bonds and attorney fees. How much coverage you buy is your choice, but consider buying higher limits if possible.

Buy Smart and Save

We just presented some good ideas how to save on 2019 Honda Pilot insurance. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the lowest priced car insurance comes from some of the lesser-known companies.

Lower-priced 2019 Honda Pilot insurance is possible on the web and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies may not have price quotes online and many times these small, regional companies prefer to sell through independent agents.

While you’re price shopping online, make sure you don’t buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced full coverage only to regret that the savings was not a smart move. Your focus should be to buy enough coverage at an affordable rate, not the least amount of coverage.