How to Save on Insurance for your Honda Pilot
If finding cheaper car insurance was fun, we'd make the time to do it regularly. But we always seem to pay too much for coverage and most people would rather go to the dentist. Finding insurance for your Honda Pilot that you can actually afford is probably no different.
Step One: Compare Apples-to-Apples Quotes
The antiquated method of shopping for car insurance included a high pressure visit to the office of your local insurance agent. But you can now comparison shop and buy direct online!
You can compare insurance rates for a Honda Pilot simply and quickly just by filling out one form. This allows you to quote the same coverages with multiple companies and pick the lowest rate.
To start saving, have your current policy handy and click the link below. Our short form makes it easy to enter your information and compare rates.
Important! If you already have liability and physical damage coverage on your Pilot, it's important to keep the same limits and deductibles throughout the quote process. This allows you to fairly compare rates for many companies. If you use different limits and coverages for each quote, you won't be able to judge if the final rate is better or worse than other quotes.
Step Two: Techniques to Lower your Pilot Insurance Rates
There are many factors that actually determine what you will pay for insurance, and some are completely within your control.
- If you're not sure what your credit rating is, check it now. Car insurance companies use your credit score to determine the rates you pay, so the better your credit, the less you will pay.
- Before a comprehensive or collision claim is paid by your company, you have to pay a deductible first. The more you're willing to pay, the lower your rates will be. Consider raising your deductibles to $500 or even $1,000.
- Insurance companies will charge you a little higher rate on an SUV due to the fact that most have larger engines, four wheel drive, and more complex drive trains.
- Filing too many claims with your company can end up either costing you more for insurance or having your policy cancelled. Insurance companies don't like paying any more than you do, but they have the option of whether to keep you as a policyholder or not.
- If you're over the age of 55, check to see if you qualify for a senior citizen discount. Qualification age may vary by company
- One of the easiest ways to keep your rates down is to drive safe. One speeding ticket can boost your rates for three years.
- Successfully completing a driver's training class can help lower your rates if your insurance company offers that discount.
- Never allow one policy to expire without having a new policy effective the same date. This causes a lapse in coverage and if you don't have insurance for any length of time, your next policy will cost you more.
- If your vehicle comes with safety features such as electronic stability control, head restraints, all-wheel drive or air bags, these all help keep insurance costs down by helping reduce accident injuries.
- If you car makes the top ten list of most stolen cars, you might be paying a little extra to insure it.
- If your insurance company allows driver-specific car rating, you can save money by rating any teenage drivers on low profile vehicles with either no physical damage coverage or very high deductibles.
- Homeowners often see a break on their car insurance rates because there is a correlation between owning a home and being a responsible driver.
Step Three: Bind Coverage and Cancel your Old Policy
Car insurance is pretty easy to buy online, but you do need to be aware that it is a legally binding contract. You need to have funds available for a down payment as well as review your coverages for any insufficiencies.
If you didn't have a prior policy, then you can make the new policy effective any time. But if you're moving bewteen companies and don't want a lapse in coverage, make sure the effective date of the new policy is exactly the same as the cancellation date of the old policy.
Before you drive your Honda Pilot home, make sure you have a current car insurance policy in force. Coverage will extend to the new purchase from your policy, but if you don't have a policy then you have no protection. Be sure to have a new policy ready to go if you are buying a new Pilot. If you've never had car insurance or don't have a policy now, you won't have any protection on the vehicle until you add it to your policy.
At the end of buying your policy, you will be able to print out a new proof-of-insurance card to place in your vehicle. This card is required by law and must be produced if requested by law enforcement. An SR-22 filing may be required by your state's DMV if you've been convicted of a serious driving offense such as DUI, DWI or reckless driving. If this applies to you, make sure the car insurance company complies with the SR-22 requirement.
Car Insurance Resources
For more information on car insurance, please visit the Insurance Information Institute's auto insurance informational page.
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