View 2008 Honda Pilot Insurance Quotes

Searching for better insurance coverage rates for your Honda Pilot? Paying for high-priced Honda Pilot insurance can drain your savings account and put the squeeze on your family’s finances. Comparing price quotes is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

There is such a variety of auto insurance companies to buy insurance from, and though it is a good thing to have multiple companies, too many choices makes it more difficult to find the lowest rates.

Buying car insurance is quite easy. Essentially every driver who is required by state law to have auto insurance should be able to save money. Nevertheless, car owners should learn how companies market insurance on the web and use this information to your advantage.

How to reduce 2008 Honda Pilot insurance rates

Companies that sell car insurance do not list all available discounts in a way that’s easy to find, so we took the time to find some of the best known and the more hidden discounts you could be receiving.

  • Driver Safety – Taking a defensive driving course could cut 5% off your bill if your company offers it.
  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for a substantially lower rate.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less for Pilot coverage than their less cautious counterparts.
  • Organization Discounts – Belonging to a professional or civic organization could trigger savings when buying insurance coverage for Pilot coverage.
  • Good Student – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • Bundle and Save – When you combine your home and auto insurance with the same company you may earn up to 20% off your total premium.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn’t quite work that way.

To see a list of insurance companies who offer insurance coverage discounts, click here.

How to Get Insurance Coverage

There are several ways to get quotes and find the best price. The best way to find the lowest 2008 Honda Pilot rates is to use the internet to compare rates. This can be done in several different ways.

The best way to find low rates is an all-inclusive rate comparison click here to open form in new window. This easy form saves time by eliminating multiple quote forms for every insurance coverage company. Taking the time to complete one form gets rate comparisons from all major companies.

A less efficient way to shop for insurance coverage online requires a trip to each individual company website and complete a new quote form. For examples sake, let’s say you want comparison quotes from USAA, Safeco and Progressive. You would have to visit each site to enter your coverage information, which is why most consumers use the first method.

For a handy list of car insurance company links in your area, click here.

The least efficient method to compare rates is driving around to different agent offices. The ability to buy insurance online makes this process obsolete unless you have a need for the professional advice that only a license agent can provide. Drivers can compare online quotes but buy from a local insurance agent and you’ll learn how to do that later.

It’s your choice how you get your quotes, but ensure you’re using exactly the same coverages and limits for each price quote. If you use mixed coverages it will be very difficult to determine the lowest rate for your Honda Pilot. Just a small difference in coverages can result in a big premium difference. And when comparing insurance coverage rates, know that having more price comparisons helps you find the best offered rates.

Tailor your coverage to you

When choosing proper insurance coverage, there is no single plan that fits everyone. Each situation is unique so your insurance needs to address that. For instance, these questions may help you determine if you would benefit from an agent’s advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • What is the ISO rating for a 2008 Honda Pilot?
  • What vehicles should carry emergency assistance coverage?
  • What companies insure drivers after a DUI or DWI?
  • Where can I get insurance after a DUI in my state?
  • Does having multiple vehicles earn me a discount?
  • Should I file a claim if it’s only slightly more than my deductible?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Coverage specifics

Understanding the coverages of your auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by auto insurance companies.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, fire damage, theft and hitting a bird. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance

Med pay and PIP coverage kick in for immediate expenses for ambulance fees, doctor visits, surgery and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of 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 will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, driving through your garage door, crashing into a building, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Coverage for liability

This protects you from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like emergency aid, court costs, loss of income and medical services. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Protection from uninsured/underinsured drivers

This provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

A little work can save a LOT of money

Throughout this article, we presented a lot of techniques to shop for 2008 Honda Pilot insurance online. The most important thing to understand is the more times you quote, the better chance you’ll have of finding lower rates. You may even find the most savings is with a lesser-known regional company. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or GEICO.

Budget-conscious insurance can be found online and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance coverage companies do not offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Additional insurance coverage information is available at these links: