2012 Honda Pilot Car Insurance Quotes – 6 Policy Discounts

Tired of robbing Peter to pay Paul to insure your Honda every month? You are in the same boat as most other car owners. Having so many insurance providers from which to choose, it’s difficult to pick the right insurer.

It’s smart to check insurance prices yearly due to the fact that insurance rates change regularly. If you had the lowest price on Pilot insurance a couple years back you may be paying too much now. There is a lot of bad advice regarding insurance on the internet, so by reading this article, you’re going to learn some good information on how to slash your insurance rates.

Shopping for more affordable insurance coverage can be fairly easy. If you have a policy now or are looking for a new policy, you will benefit by learning to get lower rates and still get good coverage. Vehicle owners just need to know the most effective way to shop their coverage around online.

How to Get Insurance Coverage Comparison Quotes

Effectively comparing insurance coverage prices can take time and effort if you don’t know the best way to get rate quotes. You can waste a few hours (or days) driving to insurance agencies in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Many of the larger companies take part in a program that allows shoppers to enter their policy data once, and each participating company returns a competitive quote. This prevents consumers from doing quotation requests to every company. To access this free quoting program, click to open in new window.

The one downside to doing it this way is you can’t choose which carriers to receive prices from. If you prefer to choose specific insurance companies to compare, we have assembled a list of insurance coverage companies in your area. Click here for list of insurance companies.

Whichever way you use, make absolute certain that you use the exact same coverage information with each company. If you are comparing differing limits it will be next to impossible to make an equal comparison.

Discounts can save BIG

Car insurance is not cheap, but there are discounts available to help offset the cost. Larger premium reductions will be automatically applied when you get a quote, but a few must be manually applied prior to receiving the credit. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Senior Citizens – Older drivers can possibly qualify for a small decrease in premiums on Pilot insurance.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Multiple Cars – Buying coverage for all your vehicles with the same company can get a discount on all vehicles.
  • Bundle and Save – When you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
  • Life Insurance Discount – Larger companies have a break if you buy a life insurance policy as well.
  • Paperwork-free – Certain companies may give you up to $50 simply for signing online.

It’s important to understand that most discounts do not apply the the whole policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck. But any discount will reduce your premiums.

A partial list of companies that may offer these benefits include:

Before buying, ask each insurance company how you can save money. Discounts might not be offered in your area.

Will just any policy work for me?

When it comes to choosing adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions could help you determine if you would benefit from an agent’s advice.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Which is better, split liability limits or combined limits?
  • Who is covered when they drive my 2012 Honda Pilot?
  • What should my uninsured motorist coverage limits be in my state?
  • Why does it cost so much to insure a teen driver?
  • Can I afford to pay high deductible claims out of pocket?
  • Is a blown tire covered by insurance?
  • What can I do if my company won’t pay a claim?

If you’re not sure about those questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, free and you can get the answers you need.

Coverage specifics

Knowing the specifics of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. These are typical coverages found on the average car insurance policy.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as rock chips in glass, damage from a tornado or hurricane, fire damage, falling objects and damage from flooding. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision – Collision coverage will pay to fix damage to your Pilot resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a parking meter, scraping a guard rail, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for expenses such as hospital visits, chiropractic care, EMT expenses, funeral costs and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Honda Pilot.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits are set the same as your liablity limits.

Liability coverages – This protects you from damage or injury you incur to other people or property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like bail bonds, repair costs for stationary objects, attorney fees, funeral expenses and medical expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Quote more, save more

We just covered many tips how you can save on 2012 Honda Pilot insurance. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the lowest premiums are with a small local company. These smaller insurers can often provide lower rates in certain areas compared to the large companies like State Farm or Progressive.

When buying insurance coverage, don’t be tempted to reduce needed coverages to save money. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that the savings was not a smart move. The proper strategy is to buy the best coverage you can find for the lowest price while still protecting your assets.

Helpful articles