2011 Honda Pilot Insurance Quotes – 7 Tips for Best Rates

Feel like you’re a prisoner to an overpriced insurance coverage policy? Trust us when we tell you you are not the only one feeling buyer’s remorse.

Companies like Progressive, Geico and Farmers Insurance promote their brand names with TV and radio ads and it is difficult to not get sucked in by the cute commercials and do the work needed to find the best deal.

How to Buy Insurance Online

The are a couple different ways to get quotes and find the best price. The easiest way by far to compare 2011 Honda Pilot insurance prices involves getting comparison quotes online. This can be accomplished in just a few minutes using one of these methods.

The fastest way to get the best comparison quotes is a comparison rater form click here to open form in new window. This form eliminates the need for separate quote forms for every insurance company. One simple form will get you price quotes from several companies.

A more difficult way to compare prices requires visiting the website for every company you want to comare to request a price quote. For examples sake, we’ll assume you want comparison quotes from Farmers, State Farm and GMAC. To find out each rate you need to take the time to go to each site and enter your information, which is why most consumers use the first method.

For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just ensure you’re using exactly the same coverages for every company. If each company quotes different deductibles then you won’t be able to truly determine the lowest rate. Having just a slight variation in coverage limits may result in a large different in cost. Keep in mind that getting more free quotes gives you a better chance of getting a lower rate.

Insurance ads bend the truth

Insurance companies such as 21st Century, Allstate and State Farm consistently run ads on television and other media. They all seem to make an identical promise that you’ll save big if you change your coverage to them. But how can every company make the same claim?

All companies can use profiling for the right customer that earns them a profit. A good example of a preferred risk might be profiled as between 25 and 40, has no tickets, and has great credit. Any driver who fits that profile will get very good rates and as a result will probably save a lot of money.

Potential customers who don’t measure up to the “perfect” profile will be charged a higher premium and this can result in the driver buying from a lower-cost company. The ad wording is “people who switch” not “everybody who quotes” save that much money. This is how insurance companies can state the savings. That is why it’s extremely important to get as many quotes as possible. It’s not possible to predict which insurance company will fit your personal profile best.

Take these seven discounts and save

Companies don’t always list all their discounts very clearly, so the following is a list of both the well known and the more hidden car insurance savings.

  • Payment Method – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out life insurance from them.
  • Claim Free – Drivers with accident-free driving histories can earn big discounts as compared to drivers who are more careless.
  • Save with a New Car – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less on Pilot insurance than drivers with accident claims.
  • Club Memberships – Participating in a qualifying organization is a good way to get lower rates when shopping for car insurance on Pilot insurance.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them prior to your current policy expiring. The savings is around 10%.

Consumers should know that many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as medical payments or collision. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way.

Companies who might offer these money-saving discounts may include but are not limited to:

Before buying, ask every prospective company which discounts you may be entitled to. Some discounts may not apply in your area.

Which policy gives me the best coverage?

When it comes to choosing coverage for your vehicles, there really is no “best” method to buy coverage. Every situation is different so this has to be addressed. These are some specific questions might help in determining if your situation could use an agent’s help.

  • Am I covered by my spouse’s policy after a separation?
  • When would I need rental car insurance?
  • Can I afford to buy a different vehicle if my 2011 Honda Pilot is totaled?
  • Am I better off with higher deductibles on my 2011 Honda Pilot?
  • Do I have newly-aquired coverage?
  • Do I benefit by insuring my home with the same company?
  • How high should my uninsured/underinsured coverage be in my state?
  • I have a DUI can I still get coverage?

If you’re not sure about those questions, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance coverage companies in your area.

Auto insurance coverage basics

Knowing the specifics of your auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages found on most auto insurance policies.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like prosthetic devices, pain medications and chiropractic care. They are used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage

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

Collision can pay for things like crashing into a ditch, sustaining damage from a pot hole, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2011 Honda Pilot.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Liability insurance

Liability insurance provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects you from legal claims by others, and 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 commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things such as repair costs for stationary objects, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Comprehensive auto insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like a tree branch falling on your vehicle, fire damage and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Compare but don’t skimp

As you restructure your insurance plan, it’s not a good idea to skimp on coverage in order to save money. Too many times, consumers will sacrifice collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Throughout this article, we presented a lot of information how to compare 2011 Honda Pilot insurance prices online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the best price on auto insurance is with some of the lesser-known companies. Some small companies may cover specific market segments cheaper than their larger competitors like Progressive or Geico.

Budget-conscious insurance can be purchased both online and with local insurance agents, so you should compare both to have the best rate selection. There are still a few companies who do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

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