Compare 2003 Honda Pilot Car Insurance Cost

Looking for lower car insurance rates? Shoppers have many options when shopping for low-cost Honda Pilot insurance. They can either spend hours struggling with agents trying to get quotes or utilize the internet to get rate quotes.

There is a right way and a wrong way to shop for car insurance and we’ll show you the best way to compare rates for a Honda and obtain the lowest price.

The purpose of this article is to instruct you on the best way to quote coverages. If you are paying for car insurance now, you will be able to save some money using these techniques. Vehicle owners only need to know the tricks to compare price quotes online.

Lesser-known factors impacting Honda Pilot insurance rates

Smart consumers have a good feel for some of the elements that go into determining auto insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that could result in better auto insurance rates.

Listed below are some of the factors used by your company to calculate premiums.

  • Keep rates low by being claim-free – Car insurance companies generally give discounts to people who do not rely on their insurance for small claims. If you tend to file frequent claims, you can definitely plan on either higher rates or even cancellation. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Poor credit can mean higher rates – Having a bad credit history is a large factor in determining your rates. So if your credit rating is not that good, you could save money insuring your 2003 Honda Pilot by repairing your credit. People with excellent credit tend to be more responsible as compared to drivers with lower credit scores.
  • Males pay more for insurance – Statistics demonstrate women tend to be less risk to insure than men. Now that doesn’t mean women are better drivers. Both sexes tend to get into accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to get more serious tickets like reckless driving and DUI.
  • Where you live can impact rates – Living in a rural area can be a good thing when insuring your vehicles. Drivers in populated areas have to deal with much more traffic and longer commute times. Fewer people means reduced accidents as well as less vandalism and auto theft.
  • Multiple policies with one company can save – Many insurance companies will award you with lower prices to people who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, it’s in your best interest to shop around to make sure you are getting the best deal.

The method we recommend to get policy rate comparisons is to know the trick most of the larger companies provide online access to give rate comparisons. To start a quote, the only thing you need to do is provide details such as whether you have decent credit, if your license is active, how much education you have, and which vehicles you own. That information is automatically sent to multiple top-rated companies and they respond with quotes instantly.

Don’t overlook these discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to reduce the price significantly. Most are applied at the time you complete a quote, but a few must be requested specifically prior to getting the savings. If you’re not getting every credit available, you are throwing money away.

  • Safe Driver Discount – Safe drivers can pay as much as 50% less on Pilot insurance than drivers with accidents.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Early Switch Discount – Select companies give a discount for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Discount for New Cars – Adding a new car to your policy is cheaper compared to insuring an older model.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount will cut the amount you have to pay.

Car insurance companies that may offer these benefits include:

It’s a good idea to ask each insurance company what discounts are available to you. All car insurance discounts may not be available in your state.

Is my situation unique?

When it comes to choosing coverage, there really is not a best way to insure your cars. Every situation is different.

Here are some questions about coverages that may help you determine if you may require specific advice.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • When would I need additional glass coverage?
  • Do I have coverage when using my vehicle for my home business?
  • When should my teen driver be added to my policy?
  • Why am I required to get a high-risk car insurance policy?
  • Does liability extend to a camper or trailer?
  • Does my personal policy cover me when driving out-of-state?
  • Am I insured when driving a different vehicle?
  • Is other people’s property covered if stolen from my vehicle?
  • What is roadside assistance coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Car insurance coverage specifics

Knowing the specifics of car insurance can be of help when determining the best coverages for your vehicles. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other motorists when they 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 a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like rolling your car, colliding with another moving vehicle, driving through your garage door and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for rehabilitation expenses, prosthetic devices, dental work, funeral costs and doctor visits. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance

This pays for 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 can pay for claims such as hail damage, hitting a bird, theft, damage from getting keyed and falling objects. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability

This coverage can cover damages or injuries you inflict on other’s property or people that is your fault. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as pain and suffering, medical services, attorney fees and emergency aid. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Compare but don’t skimp

We covered some good ideas how to shop for 2003 Honda Pilot insurance online. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. Consumers could even find that the best price on car insurance is with a lesser-known regional company.

Insureds change insurance companies for many reasons like delays in paying claims, questionable increases in premium, high prices and not issuing a premium refund. It doesn’t matter why you want to switch finding the right car insurance provider is not as hard as you think.

While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, an accident victim reduced liability coverage limits and learned later that it was a big mistake. The ultimate goal is to purchase a proper amount of coverage for the lowest price while still protecting your assets.

For more information, take a look at the resources below: