Cheap 2013 Honda Pilot Insurance Quotes

Perplexed by the wide range of car insurance companies? Many other drivers are as well. There are so many choices that it can be a ton of work to find the perfect company for you.

Don’t miss out on these money-saving discounts

Companies do not advertise all available discounts very clearly, so we researched both well-publicized and the more hidden discounts you could be receiving.

  • New Car Discount – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Good Student – A discount for being a good student can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Own a Home – Owning a house may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Student in College – Any of your kids who are attending college and do not have a car may qualify for this discount.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.

It’s important to note that many deductions do not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

For a list of insurers offering auto insurance discounts, click here.

Do I need special coverages?

When choosing proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions may help you determine if your situation will benefit from professional help.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is pleasure use cheaper than using my 2013 Honda Pilot to commute?
  • Does coverage extend to a rental car in a foreign country?
  • Does my personal policy cover me when driving out-of-state?
  • Do I need higher collision deductibles?
  • Which is better, split liability limits or combined limits?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Specific coverage details

Understanding the coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Liability car insurance – Liability coverage provides protection from injuries or damage you cause to a person or their property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for 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. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as structural damage, bail bonds, medical expenses, pain and suffering and attorney fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive auto coverage – Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, hitting a deer and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for bills like pain medications, surgery and chiropractic care. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Honda Pilot.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage – Collision insurance pays for damage to your Pilot from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a ditch, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Coverage on a shoestring budget

Affordable 2013 Honda Pilot insurance is possible on the web in addition to many insurance agents, so compare prices from both to have the best selection. Some companies do not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

When trying to cut insurance costs, never buy less coverage just to save a little money. There are too many instances where someone sacrificed full coverage only to discover later that the savings was not a smart move. Your aim should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

People who switch companies do it for any number of reasons including being labeled a high risk driver, lack of trust in their agent, unfair underwriting practices and high rates after DUI convictions. Whatever your reason, choosing a new company is easier than you think.

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