2005 Honda Pilot Insurance Quotes – 7 Tips for Cheaper Rates

Want cheaper auto insurance rates for your Honda Pilot? Shopping online for auto insurance can be difficult if you are a beginner to quoting online. But don’t let that discourage you because comparing prices is actually very simple.

It’s a good habit to compare rates on a regular basis because prices are constantly changing. Even if you got the best deal for Pilot coverage a year ago you will most likely find a better rate today. There is too much inaccurate information about auto insurance online, so I’m going to show you the best ways to buy auto insurance cheaper.

Buying car insurance is not rocket science. If you currently have car insurance, you should be able to reduce your rates substantially using these methods. Nevertheless, car owners must understand how the larger insurance companies determine prices.

Insurance Prices Online

There are several ways to compare Honda Pilot insurance quotes, and some are more efficient than others. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you could use the web to accomplish the same thing much quicker.

Many companies participate in a marketplace that allows shoppers to enter their coverage request one time, and at least one company can provide price quotes determined by their information. This eliminates the need for form submissions for each company.

To participate in this free quote system, click to open in new window.

The only downside to comparing rates this way is buyers cannot specifically choose which carriers to get pricing from. If you prefer to choose specific providers to compare rates, we have a page of the cheapest insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but ensure you’re using identical coverage limits and deductibles with each company. If you have different values for each quote then you won’t be able to make a fair comparison for your Honda Pilot. Having just a slight variation in coverages can mean a large discrepancy in price. And when price shopping your coverage, quoting more helps locate lower pricing.

Save on Honda Pilot insurance

Companies offering auto insurance don’t necessarily list every discount very well, so here is a list both the well known and the more hidden discounts you could be receiving.

  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • New Car Discount – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • College Student – Any of your kids living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • No Charge for an Accident – Certain companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you can actually save on your bill.

Consumers should know that most credits do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, you’re out of luck.

Companies that may offer these discounts include:

Before buying, ask each company which discounts they offer. Savings might not apply in your area.

Tailor your coverage to you

When choosing the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Every insured’s situation is different.

For example, these questions might point out if you would benefit from professional advice.

  • Does my insurance cover a custom paint job?
  • Are rental cars covered under my policy?
  • Why do I only qualify for high-risk insurance?
  • Am I missing any policy discounts?
  • Am I covered if I hit a deer?
  • Where can I find high-risk insurance?
  • What are the financial responsibility laws in my state?
  • Should I sign the liability waiver when renting a car?
  • When should I remove comp and collision on my 2005 Honda Pilot?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Car insurance coverages and their meanings

Understanding the coverages of your car insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Auto liability

This coverage will cover injuries or damage you cause to other’s property or people by causing an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as repair costs for stationary objects, medical expenses, structural damage, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Collision coverage protection

Collision coverage will pay to fix damage to your Pilot resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like rolling your car, driving through your garage door, colliding with another moving vehicle, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Med pay and PIP coverage kick in for expenses like hospital visits, doctor visits, dental work, surgery and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2005 Honda Pilot.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Comprehensive car insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as vandalism, fire damage, a broken windshield, a tree branch falling on your vehicle and hitting a bird. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.