Who Has the Cheapest Insurance Quotes for a Honda Pilot in Kentucky?

Anytime the topic is car insurance, the words cheap or affordable really should not be used anywhere in the article to describe car insurance prices. It’s a simple fact that cheap auto insurance for a Honda Pilot may be a thing of the past. Don’t let that get you down, though, because we are going to show you how you can still get car insurance that doesn’t cost an arm and a leg.

Your chances of buying affordable car insurance for a Honda Pilot in Kentucky depends upon many rating criteria like how many years you have been driving, your address, and deductible levels for physical damage coverage. Drivers in Kentucky on average pay approximately $980 per year to buy Honda Pilot insurance, but that policy rate is a projection that rates a 40-year-old single male that has both comprehensive and collision coverage and $500 policy deductibles.

Most likely you’re not a 40-year-old male, you might be married instead of single, or maybe you just want to insure for liability only. This example demonstrates why your best shot at finding the cheapest coverage for your Honda is to make a habit of comparing prices at least once a year.

Compare Rates and Save

Your Honda’s trim level will have an impact the insurance rate, so the price you pay to insure a Pilot LX 2WD will be $94 less than the insurance cost for the fancier Pilot Touring 4WD model, as shown in the chart below.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Price information does not factor in specific location information which can modify coverage prices noticeably.

Ending up with the best car insurance provider is hard considering how many different insurance companies sell coverage in Kentucky. The company information in the next section could help you decide which coverage providers to look at comparing rate quotes with. These ratings only include the largest companies in the United States, so companies that have a smaller presence are not taken into consideration for the list.

How to get discounts on Kentucky insurance

Insurance providers that provide the cheapest insurance for a Honda Pilot in Kentucky may also provide premium discounts that can lower rates by as much as 40% or more if you meet specific criteria. Large car insurance companies and their offered discounts are outlined below.

• State Farm may offer discounts for multiple autos, defensive driving training, Steer Clear safe driver discount, accident-free, anti-theft, safe vehicle, and passive restraint.
• GEICO offers premium reductions for emergency military deployment, anti-theft, multi-policy, multi-vehicle, and defensive driver.
• Progressive offers discounts including continuous coverage, multi-vehicle, online quote discount, homeowner, online signing, multi-policy, and good student.
• 21st Century policyholders can earn discounts including theft prevention, driver training, automatic seat belts, good student, and homeowners.
• American Family may include discounts for TimeAway discount, good student, air bags, accident-free, early bird, and good driver.
• The Hartford includes discounts for defensive driver, driver training, vehicle fuel type, good student, bundle, anti-theft, and air bag.
• AAA offers discounts for multi-policy, good student, AAA membership discount, anti-theft, pay-in-full, multi-car, and education and occupation.

The chart below illustrates the comparison of annual premium costs with and without policy discounts. The rates are based on a male driver, no tickets, no at-fault accidents, Kentucky state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple vehicle, claim-free, homeowner, multiple policy, anti-theft, and passive restraint discounts applied. When discounts are applied, the the average yearly reduction on car insurance for a Honda Pilot is 28% or $433.

Accidents and violations increase rates

The common sense way to find good car insurance rates in Kentucky for a Pilot is to be a safe driver and avoid getting tickets or having accidents. The diagram below shows how traffic citations and at-fault claims drive up insurance rates for different age groups. The information is based on a married female driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.

In the previous example, the average cost of auto insurance in Kentucky per year with no violations or accidents is $1,266. Get one speeding ticket and the average cost rises to $1,477, an increase of $211 each year. Then add in one accident along with the one speeding ticket and the yearly cost of car insurance for a Honda Pilot increases to an average of $2,059. That’s an increase of $793, or $66 per month, just for not being a responsible driver!

Progressive, Allstate, State Farm, or Geico: Who is cheapest?

When buying insurance for a Pilot in Kentucky, the first places to look would be Progressive, Allstate, State Farm, and Geico. The table below breaks down some of the different options and features that may be available in your state.

Best cheap Honda Pilot insurance quotes

Due to technology, there are many ways to shop for and buy car insurance in Kentucky, but the three most common methods are through an exclusive insurance agency like State Farm or Liberty Mutual, an independent insurance agent, or buying direct from a company like Progressive or Geico. All three ways can provide car insurance quotes, but car insurance shoppers should know the differences in how they provide price quotes.

Independent agencies write for multiple companies and can compare coverage rates with each one. Agents of this type are not employed by only one company and can give you a larger rate selection, which may give you more bang for your buck. If premiums increase, your agent can just switch to a different company which is easy for the insured.

An exclusive ageny is able to place business with a single insurance company, two examples are an Auto-Owners or State Farm agent. These agents normally cannot compare rates from other companies, so they are skilled at selling on more than just price.

The last way is buying direct, which means you bypass a local insurance agent and instead buy direct either online or via phone. This option can be a good choice for families who do not have a need for a risk management assessment and have an above average understanding of what is covered and what is not.

So which way is best to find the cheapest insurance for a Honda Pilot in Kentucky? We’d like to tell you buying direct saves money since there isn’t an agent involved, but unfortunately, it’s not that cut and dried. It could also be said buying car insurance from an independent agent results in the best rates due to having more companies to select from, but again, it’s not necessarily true. In a lot of cases, the exclusive agents have extremely competitive rates that are the cheapest.

Because it’s impossible to say who has the best car insurance rates, the best way to ensure you are not overpaying for car insurance is to get as many comparison quotes as possible. We recommend you get rate quotes from independent agents, exclusive agents, and direct companies to give yourself enough choices. For a list of companies offering online discounts in Kentucky, click here to view.