2014 Honda Pilot Car Insurance Quotes – 5 Ways to Save

Are you intimidated by the number of car insurance company choices? Many other consumers are too. You have so many choices that it can turn into a real challenge to find lower rates.

It’s a good habit to do rate comparisons yearly because insurance rates are constantly changing. Just because you had the lowest rates for Pilot insurance two years ago the chances are good that you can find a lower rate today. There is a lot of bad advice regarding car insurance on the web, but with this article, you’re going to get some guaranteed methods to buy car insurance cheaper.

Comparison of Insurance Coverage

To find the best insurance coverage prices, there are several ways of comparing price quotes and find the best price. The easiest way to find competitive 2014 Honda Pilot insurance rates consists of shopping online. This is very easy and can be done using a couple different methods.

  1. The fastest way consumers can analyze rates is a comparison rater form (click to open form in new window). This type of form keeps you from doing separate forms for every insurance coverage company. Taking the time to complete one form will get you rate comparisons instantly. It’s definitely the quickest method.
  2. A slightly less efficient method to analyze rates requires you to visit the website for every company you want to comare to request a price quote. For example, we’ll assume you want comparison quotes from Progressive, Liberty Mutual and GMAC. To get each rate you have to take the time to go to each site to input your insurance information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

It’s your choice how you get your quotes, but be sure to compare the exact same coverages and limits for each price quote. If you have different liability limits you will not be able to determine the best price for your Honda Pilot. Slightly different limits can result in a big premium difference. Just keep in mind that more quotes gives you a better chance of getting the best price.

Discounts on 2014 Honda Pilot insurance

Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not know about. Some discounts apply automatically when you quote, but some must be asked about in order for you to get them.

  • No Charge for an Accident – Some insurance companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • 55 and Retired – If you’re over the age of 55, you may receive a discount up to 10% for Pilot insurance.
  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of at least 10% off all policies.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Low Mileage – Keeping the miles down on your Honda could be rewarded with a substantially lower rate.

It’s important to understand that many deductions do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, auto insurance companies aren’t that generous. But any discount will cut your premiums.

Car insurance companies that may have some of the above discounts include:

Before buying, ask each company how you can save money. All car insurance discounts might not be offered everywhere.

Tailor your coverage to you

When choosing the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions can help discover if your situation may require specific advice.

  • Am I covered if I hit a deer?
  • Is my nanny covered when driving my vehicle?
  • Can I drive in Mexico and have coverage?
  • When should I drop full coverage on my 2014 Honda Pilot?
  • What is the rate difference between pleasure use and commuting?
  • Does insurance cover tools stolen from my truck?
  • Do I need more liability coverage?
  • Do I have coverage when making deliveries for my home business?
  • What is covered by UM/UIM coverage?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Insurance specifics

Having a good grasp of insurance can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverage – Collision coverage pays for damage to your Pilot resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a ditch, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Coverage for medical expenses – Med pay and PIP coverage pay for short-term medical expenses for things like EMT expenses, prosthetic devices and nursing services. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, theft, hitting a bird and rock chips in glass. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Liability coverage – This coverage can cover injuries or damage you cause to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as legal defense fees, court costs and loss of income. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

The best insurance company isn’t always the cheapest

When trying to cut insurance costs, it’s very important that you do not sacrifice coverage to reduce premiums. In many instances, an accident victim reduced collision coverage to discover at claim time that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible at a price you can afford while still protecting your assets.

Low-cost 2014 Honda Pilot insurance can be found on the web and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some insurance companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

In this article, we covered some good ideas how to get a better price on insurance. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Drivers may discover the lowest priced insurance comes from a smaller regional carrier.

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