2005 Honda Pilot Insurance Quotes

Trying to find better insurance coverage rates for your Honda Pilot? Overpriced Honda Pilot insurance can empty your personal savings and make it impossible to make ends meet. Comparison shopping is a smart way to tighten up your finances. Big companies like Allstate, Progressive and Geico persitently shower you with fancy advertisements and it is difficult to ignore the flashy ads and effectively compare rates to find the best deal.

You should make it a habit to take a look at other company’s rates yearly because insurance rates go up and down regularly. Just because you found the lowest rates for Pilot insurance two years ago you can probably find a better price now. You’ll find quite a bit of inaccurate information about insurance coverage online, so we’re going to give you a bunch of ideas how to buy insurance coverage cheaper.

Automobile Insurance Quotes

There are a lot of ways you can shop for auto insurance and some are more efficient than others. You could spend your day driving to insurance companies in your area, or you could save time and use the web to accomplish the same thing much quicker.

The majority of car insurance companies take part in a program where insurance shoppers submit their information once, and each participating company then gives them pricing for coverage. This prevents consumers from doing quote requests to each company.

To get comparison pricing now click here to start a free quote.

The one downside to using this type of form is that you can’t choose the companies to receive prices from. If you would rather choose from a list of companies for rate comparison, we put together a list of auto insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just double check that you are using exactly the same coverage limits and deductibles with each company. If you use different limits and deductibles on each one it will be very difficult to determine which rate is truly the best.

Are you getting all your discounts?

Companies offering auto insurance do not list all available discounts in an easy-to-find place, so we break down both well-publicized and the more hidden insurance savings. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Save with a New Car – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • Senior Discount – Older drivers can possibly qualify for better insurance rates for Pilot insurance.
  • Driver Safety – Successfully completing a driver safety course could save 5% or more depending on where you live.
  • Multi-policy Discount – If you insure your home and vehicles with one company you may earn up to 20% off your total premium.
  • Safe Driver Discount – Insureds without accidents may save up to 50% more for Pilot insurance than drivers with accident claims.

Consumers should know that most credits do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way.

To see a list of insurance companies offering insurance discounts, click here to view.

Why your Honda Pilot might be costing you more

Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for auto insurance. Knowing what influences your rates enables informed choices that may reward you with better auto insurance rates.

The list below includes a partial list of the pieces auto insurance companies consider when setting rates.

  • You might want pay the small claims yourself – Auto insurance companies award discounts to drivers who are claim-free. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Women pay lower rates – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are WORSE drivers than women. They both are in accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to get more serious tickets like DUI and reckless driving.
  • Where do you drive? – The more miles you rack up on your Honda in a year’s time the higher your rates will be. The majority of insurers price each vehicle’s coverage based on their usage. Autos used primarily for pleasure use qualify for better rates compared to those used for work or business. Improper usage on your Pilot may be costing you. Double check that your auto insurance policy shows how each vehicle is driven.
  • Equipment add-ons that lower auto insurance rates – Driving a car that has an advanced theft prevention system can save you a little every year. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Do you know your deductibles? – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your Honda. Some examples of claims that would be covered would be colliding with a building, vandalism, and rolling your vehicle. Deductibles for physical damage are how much you are willing to pay before your auto insurance pays a claim. The more expense the insured has to pay upfront, the lower your rates will be for Pilot insurance.
  • Younger drivers pay higher rates – Teen drivers are known to be careless and easily distracted behind the wheel so auto insurance rates are higher. If you’ve ever had to add a young driver to your auto insurance policy can really hurt. Older drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers.
  • Where you live – Being located in a rural area can save you money when insuring your vehicles. Lower population means fewer accidents and also fewer theft and vandalism claims. Drivers who live in large cities regularly have traffic congestion and much longer commute distances. Higher commute times means more change of being in an accident.
  • Pay less if you’re married – Being married can actually save you money on your auto insurance policy. Having a significant other is viewed as being more mature than a single person and it’s statistically proven that married couples file fewer claims.

When might I need an agent?

When buying the right insurance coverage, there is no one size fits all plan. Every situation is different so your insurance should reflect that Here are some questions about coverages that can help discover if your insurance needs would benefit from professional advice.

  • How can I get my company to pay me more for my totalled car?
  • When should my teen driver be added to my policy?
  • How does medical payments coverage work?
  • Should I carry comprehensive and collision coverage?
  • If my 2005 Honda Pilot is totaled, can I afford another vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Don’t listen to company ads

Drivers can’t get away from ads for cheaper car insurance by 21st Century, Allstate and State Farm. All the ads make an identical promise that you can save if you move to their company.

How can each company say the same thing? It’s all in the numbers.

Insurance companies have a preferred profile for the type of driver they prefer to insure. An example of a preferred risk might be over the age of 40, has no driving citations, and drives less than 10,000 miles a year. A customer getting a price quote who matches those parameters will qualify for the lowest rates and therefore will save a lot of money.

Consumers who don’t qualify for these standards will have to pay higher prices which usually ends up with the customer not buying. The ad wording is “people who switch” not “everybody who quotes” save that much. That is how insurance companies can state the savings. Because of the profiling, it’s extremely important to get a wide range of price quotes. It is impossible to predict which insurance companies will fit your personal profile best.

Car insurance 101

Understanding the coverages of auto insurance helps when choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages found on most auto insurance policies.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses like surgery, dental work, rehabilitation expenses, funeral costs and doctor visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto insurance

This covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a bird, hail damage, damage from a tornado or hurricane and a broken windshield. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability

Liability coverage will cover damage or injury you incur to other’s property or people in an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like repair bills for other people’s vehicles, attorney fees, medical expenses and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage 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 should not be overlooked.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as rolling your car, damaging your car on a curb and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Stretch your dollar

In this article, we presented many tips how you can lower your 2005 Honda Pilot insurance rates. The most important thing to understand is the more you quote, the better your comparison will be. You may even discover the lowest priced auto insurance comes from a small mutual company. These smaller insurers may only write in your state and offer lower rates than their larger competitors like Allstate, Geico and Progressive.

Low-cost insurance can be found from both online companies and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. Some insurance providers may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

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