Compare 2009 Honda Pilot Car Insurance Rates

Searching for better car insurance rates for your Honda Pilot? Paying for high-priced Honda Pilot insurance can drain your checking account and make it hard to pay other bills. Shopping your coverage around is a smart way to make sure you’re not throwing money away. Many car insurance companies compete to insure your vehicles, so it’s not easy to compare every company and get the definite lowest cost out there.

You should take the time to get comparison quotes quite often since rates trend upward over time. If you had the best price for Pilot coverage two years ago you may be paying too much now. Block out anything you think you know about car insurance because you’re about to learn how to use online quotes to reduce your cost while improving coverage.

If you have a policy now or are just looking to switch companies, you can learn to find better prices while maintaining coverages. Finding the best rates is quite easy. Vehicle owners just need to understand the best way to shop their coverage around online.

Low Cost Insurance Coverage

Shopping for lower insurance coverage rates can take hours if you don’t understand the best way to get rate quotes. You could spend your day talking to agents in your area, or you could use online quotes to get pricing more quickly.

Most of the larger companies belong to a marketplace where prospective buyers send in one quote, and every company provides a quote for coverage. This eliminates the need for quote requests for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The only downside to using this type of form is you cannot specify the companies to receive prices from. So if you prefer to choose from a list of companies to compare prices, we put together a list of low cost insurance coverage companies in your area. Click to view list.

Whichever way you use, compare identical coverages for each price quote. If the quotes have mixed coverages then you won’t be able to make a fair comparison for your Honda Pilot.

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions can help discover if your insurance needs might need an agent’s assistance.

• Is a blown tire covered by insurance?
• Is my ex-spouse still covered by my policy?
• Is business property covered if stolen from my car?
• Does my policy cover my teen driver if they drive my company car?
• When should I remove comp and collision on my 2009 Honda Pilot?
• When should my teen driver be added to my policy?
• Should I sign the liability waiver when renting a car?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Auto insurance 101

Learning about specific coverages of a auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages available from auto insurance companies.

Collision coverage – Collision coverage will pay to fix damage to your Pilot resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like backing into a parked car, colliding with a tree, hitting a parking meter, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from flooding and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as ambulance fees, pain medications, doctor visits, X-ray expenses and surgery. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability – This coverage can cover damage that occurs to a person or their property in an accident. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, 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 provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like medical services, repair costs for stationary objects, pain and suffering and loss of income. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

UM/UIM Coverage – This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are identical to your policy’s liability coverage.