2007 Honda Pilot Insurance Rates

Looking for the cheapest insurance rates for your Honda Pilot? Are you sick and tired of paying out the nose each month for car insurance? You are no different than most other car owners. Multiple insurers compete for your insurance dollar, and it can be difficult to compare rates to get the best rates possible.

It’s a good idea to do rate comparisons quite often due to the fact that insurance rates change quite often. Just because you had the best rates for Pilot insurance a few years ago the chances are good that you can find a lower rate today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the things you must know in order to find great coverage at a great price.

How to reduce 2007 Honda Pilot insurance rates

Companies that sell car insurance do not advertise all their discounts very well, so we researched both well-publicized and the harder-to-find discounts you could be receiving. If you don’t get every credit possible, you’re just leaving money on the table.

  • Sign Online – A few companies will give a small break just for signing your application online.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Government Employees – Active or retired federal employment could cut as much as 10% off for Pilot insurance with select insurance companies.
  • Homeowners Pay Less – Being a homeowner can save you money because owning a home demonstrates responsibility.

Consumers should know that most discounts do not apply to the entire cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you won’t be that lucky.

To see a list of companies with the best auto insurance discounts, click here to view.

Insurance Comparison Rates

Comparing insurance rates can be exhausting if you don’t utilize the most efficient way. You can waste a few hours (or days) talking to local insurance agents in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

Most of the best insurance companies belong to an insurance system where insurance shoppers complete one form, and every company provides a quote based on that data. This prevents consumers from doing form submissions for each company.

To enter your information into the quoting system, click here to start a free quote.

One minor caviat to doing it this way is you cannot specify which insurance companies to get quotes from. So if you prefer to pick from a list of companies to receive pricing from, we put together a list of the cheapest insurance companies in your area. Click here to view list.

Whichever way you use, be sure to compare the exact same coverages and limits on every quote. If the quotes have differing limits it will be impossible to determine the best price for your Honda Pilot.

Tailor your coverage to you

When it comes to buying adequate coverage for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions may help you determine whether or not you could use an agent’s help.

  • When should I remove comp and collision on my 2007 Honda Pilot?
  • Is a fancy paint job covered?
  • What is high-risk coverage and where do I buy it?
  • Can my teen drive my company car?
  • What if I owe more than I can insure my car for?
  • What is the rate difference between pleasure use and commuting?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Auto insurance policy coverages for a Honda Pilot

Knowing the specifics of your auto insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverages offered by auto insurance companies.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a mailbox, colliding with another moving vehicle, sustaining damage from a pot hole, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Auto liability

This coverage provides protection from injuries or damage you cause to other people or property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover 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. You might see values of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as medical services, bail bonds and emergency aid. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses such as funeral costs, rehabilitation expenses, hospital visits and doctor visits. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Honda Pilot.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive coverages

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as fire damage, a tree branch falling on your vehicle, damage from a tornado or hurricane and hitting a deer. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Knowledge is power

When trying to cut insurance costs, it’s not a good idea to buy poor coverage just to save money. There have been many cases where an insured cut collision coverage and learned later that the savings was not a smart move. Your focus should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

In this article, we covered a lot of ways to save on 2007 Honda Pilot insurance. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even find the most savings is with a smaller regional carrier. Some small companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate or State Farm.

Additional information is available at the links below