Honda Pilot Owners Discover How to Reduce Their Auto Insurance Rates

Buyers have options when searching for low-cost Honda Pilot insurance. They can either spend hours calling around getting price quotes or leverage the internet to find the lowest rates.

There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the proper way to compare rates for your Honda and get the lowest price.

You should take the time to compare prices every six months since rates fluctuate regularly. Even if you got the lowest rates on Pilot coverage a few years ago a different company probably has better rates today. You can find a lot of misleading information regarding auto insurance on the internet, so we’re going to give you some proven techniques to save money.

The purpose of this article is to let you in on how car insurance quotes work and some tips to save money. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these tips. But consumers do need to understand how companies market insurance on the web and apply this information to your search.

Where Can I Get Cheap Auto Insurance?

To find the best auto insurance prices, there are several ways of comparing rate quotes from local auto insurance companies. The easiest way by far to find the cheapest Honda Pilot insurance rates is to use the internet to compare rates. This is very easy and can be done in just a few minutes using one of these methods.

• The recommended way to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This form prevents you from having to do separate quotation requests for every auto insurance company. In just a few minutes this one form will get you price quotes from auto insurance companies with the best prices. It’s the fastest way to compare.
• A harder way to get quotes online consists of going to each company’s website and fill out their own quote form. For instance, we’ll pretend you want to compare rates from Liberty Mutual, Allstate and Farmers. You would have to go to every website to input your insurance information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

However you get your quotes, make darn sure you compare identical coverages and limits for every quote you compare. If you compare mixed coverages it will be next to impossible to determine which rate is truly the best. Just a small difference in coverage limits could mean much higher rates. Just keep in mind that obtaining a wide range of quotes will improve the odds of getting the best offered rates.

Don’t miss these discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts to reduce the price significantly. A few discounts will automatically apply when you quote, but lesser-known reductions have to be specifically requested before being credited.

• Life Insurance Discount – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
• Anti-theft System – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
• Student in College – Children living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
• Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
• Organization Discounts – Affiliation with a qualifying organization is a good way to get lower rates on your policy on Pilot coverage.

Keep in mind that some credits don’t apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any qualifying discounts will reduce your premiums.

To see a list of insurance companies offering auto insurance discounts, follow this link.

When might I need help?

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining whether you would benefit from an agent’s advice.

• If my Honda Pilot is totaled, can I afford another vehicle?
• What if I total my Honda Pilot and owe more than it’s worth?
• Does my medical payments coverage pay my health insurance deductible?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Can my teen driver be rated on a liability-only vehicle?
• Do I pay less if my vehicle is kept in my garage?
• How high should my uninsured/underinsured coverage be in my state?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.