Your odds of finding cheap coverage for a Honda Pilot in Montana relies on factors like whether you are single or married, if you currently have coverage, and the level of deductible you choose. Drivers on average pay around $1,200 annually for Pilot insurance, but that amount is an approximation rating a 50-year-old married male driver that includes full coverage including both comprehensive and collision and $1,000 deductibles.
But there is a good chance that you are not a 50-year-old male, maybe you are single instead of married, or maybe you just want liability only. Having even a minor difference in the rating criteria used to formulate rates may result in significant differences in policy price.
Auto insurance is not the same for everyone, so the way we recommend to find cheap insurance prices for your Honda is to make a habit of regularly comparing rates from other companies. Quotes only take a couple of minutes and you will receive price comparisons from the best companies that sell coverage in Montana.
The trim level of your Honda will likely have an effect on the cost of coverage, so the rate you pay to insure a Pilot LX 2WD trim level will be $100 less expensive the price to insure the higher-end Pilot Touring 4WD version, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$216||$332||$556||$32||$166||$1,302||$109|
|Pilot EX 2WD||$244||$332||$556||$32||$166||$1,330||$111|
|Pilot EX 4WD||$244||$332||$556||$32||$166||$1,330||$111|
|Pilot EX-L 2WD||$244||$404||$556||$32||$166||$1,402||$117|
|Pilot EX-L 4WD||$244||$404||$556||$32||$166||$1,402||$117|
|Pilot Touring 2WD||$244||$404||$556||$32||$166||$1,402||$117|
|Pilot Touring 4WD||$244||$404||$556||$32||$166||$1,402||$117|
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Montana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Table data does not factor in specific Montana garaging location which can alter coverage prices substantially.
Finding a good quality company can be a challenge considering how many companies provide coverage in Montana. The ranking data listed below could help you choose which providers you want to consider when insurance shopping for a Honda Pilot.
These ratings are only comprised of the largest companies in America, so companies with more of a regional focus are not taken into consideration for these rankings. If you would like to check rates and find cheaper insurance for a Honda Pilot, click this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
The example below demonstrates how choosing different deductibles can impact insurance premiums when getting quotes for cheap insurance for a Honda Pilot. The data assumes a married female driver, full coverage, and no discounts are applied to the premium.
A 40-year-old driver could save $432 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $656 by choosing a $1,000 deductible. Even younger insureds, like the age 20 example, could roll back prices $1,072 or more just by choosing higher deductibles.
When increasing deductibles, it will be required to have enough savings set aside to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
It’s not impossible to find cheaper rates, and here are some money-saving ideas that can help you quote more affordable car insurance.
That final tip is incredibly important, as we emphasized in this write-up. Coverage prices in Montana can change considerably in a year, so don’t hesitate to change to a new company if a better deal can be had.
Having a favorite company is fine, but we do not recommend it if that dedication is costing potentially thousands of dollars a year. Now is a great time to compare prices and find cheaper insurance for a Honda Pilot.
Thanks to technology, drivers have a lot of ways to compare auto insurance quotes in Montana, but the most frequently used methods are from an independent insurance agent, a captive (or exclusive) agent like Allstate or Auto-Owners, or direct from companies such as Progressive or Geico.
All three ways are similar, but auto insurance shoppers should know the differences in how they give price quotes.
Independent agents write for multiple companies and can do rate comparisons with each one. Agents of this type do not work for one specific company and can give you more rate choices, which may provide you with more bang for your buck. If your agent finds a cheaper company, the agent simply finds a different carrier which prevents you from having to find an new insurance agent.
Exclusive agencies are only able to write with one company such as a Liberty Mutual or State Farm agent. These agents are unable to place coverage with different providers, so if their prices are high, they cannot shop around.
Buying auto insurance direct means you do not use a local agent and instead buy from a direct company like Esurance. Buying direct is good for families who do not have complex finances and know more than average about what specific coverages and deductibles they need.
Which way works best to buy the cheapest insurance for a Honda Pilot in Montana? We’d like to tell you buying from a direct car insurance company results in the cheapest price because there is no agent taking a commission, but that is generally not the case. We could also say that going through an independent agent guarantees the cheapest rates since they have access to many companies, but that assumption is not true either. In some circumstances, the exclusive agents have very competitive rates that other auto insurance companies cannot touch.
Because there is so much variation in auto insurance prices, the guaranteed way to ensure the lowest rates is to compare lots of quotes. It takes a little work, but we recommend you get quotes from all three types in order to have the best selection to choose from. We compiled a list of companies with some of the cheapest online rates that you can click here to view.