2015 Honda Pilot Insurance Quotes – 5 Tricks for Best Rates

Confused by the dozens of car insurance choices? You’re not alone. Consumers have so many choices that it can turn into a challenge to compare prices.

This information will familiarize you with how car insurance quotes work and some money-saving tips. If you currently have car insurance, you should be able to lower your premiums substantially using these tips. Nevertheless, car owners can benefit by having an understanding of the way companies sell insurance online and take advantage of how the system works.

Discounts are basically free money

The price of auto insurance can be rather high, but you can get discounts to help offset the cost. A few discounts will automatically apply when you purchase, but some may not be applied and must be specifically requested before they will apply.

  • Federal Employees – Simply working for the federal government may qualify you for a discount for Pilot insurance with select insurance companies.
  • New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, insurance coverage companies aren’t that generous. But any discount will reduce your premiums.

Car insurance companies who might offer these discounts include:

It’s a good idea to ask every prospective company which discounts they offer. Discounts might not apply in your area.

Which insurance is the “right” coverage?

When buying adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Every situation is different.

For example, these questions might point out if you might need an agent’s assistance.

  • What happens if I owe more than my 2015 Honda Pilot is worth?
  • What is no-fault insurance?
  • Is my camper covered by my car insurance policy?
  • Does my insurance cover a custom paint job?
  • Do I have coverage if my license is suspended?
  • Can I make deliveries for my home business?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form.

Coverages available on your insurance policy

Understanding the coverages of insurance helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Auto collision coverage

This will pay to fix damage to your Pilot 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 damaging your car on a curb, hitting a mailbox, driving through your garage door and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Medical expense insurance

Med pay and PIP coverage reimburse you for immediate expenses like dental work, pain medications, prosthetic devices and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Honda Pilot.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, fire damage, falling objects, hail damage and a broken windshield. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability insurance

Liability coverage protects you from damage that occurs to other’s property or people by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability can pay for things like court costs, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Feed the piggy bank

Cheaper 2015 Honda Pilot insurance is definitely available online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance coverage companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Consumers switch companies for many reasons like policy cancellation, poor customer service, being labeled a high risk driver or delays in paying claims. Regardless of your reason, finding the right insurance coverage provider can be easy and end up saving you some money.

You just learned many ways to save on insurance. The key concept to understand is the more providers you compare, the better likelihood of reducing your rate. Consumers may even find the best prices are with the smaller companies.

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