Overpriced Honda Pilot insurance can take a big chunk out of your personal savings and make it impossible to make ends meet. Shopping your coverage around is a great way to lower your monthly bill. Insurance companies such as State Farm, Progressive and GEICO continually bombard you with TV and radio ads and it can be hard to ignore the propoganda and find the best price available.
It’s important to check auto insurance prices periodically due to the fact that insurance rates are constantly changing. Just because you had the best price a year ago there may be better deals available now. Don’t believe everything you read about auto insurance online, so by reading this article, you’re going to learn some guaranteed methods to buy auto insurance cheaper.
If you have a current auto insurance policy or need a new policy, you can use these techniques to get lower rates and good coverage. Buying car insurance is easy if you know what you’re doing. Drivers just need to learn the most effective way to get comparison quotes online.
These discounts can lower your rates
Car insurance is not cheap, but there could be available discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you purchase, but some must be specifically requested prior to getting the savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.
- Accident Waiver – A handful of insurance companies allow you one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
- Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less than drivers with accident claims.
- Multi-policy Discount – If you insure your home and vehicles with one insurance company you could get a discount of 10% to 20% off each policy.
- Life Insurance – Some companies give better rates if you take out life insurance from them.
- Claim Free – Drivers who don’t have accidents can earn big discounts compared to accident-prone drivers.
- Passive Restraints – Vehicles with factory air bags or automatic seat belts can qualify for discounts up to 30%.
- Good Student Discount – This discount can save 20 to 25%. The discount lasts well after school through age 25.
- Low Mileage – Fewer annual miles on your Honda can qualify you for discounted rates on garaged vehicles.
- Driver Safety – Taking a driver safety course could cut 5% off your bill if your company offers it.
- Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
- Early Switch Discount – Some companies give discounts for switching to them prior to your current policy expiration. It’s a savings of about 10%.
Keep in mind that some credits don’t apply to the entire policy premium. Most cut specific coverage prices like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, you won’t be that lucky. But any discount will reduce the cost of coverage.
Different people need different coverages
When buying proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions may help highlight if your insurance needs would benefit from professional advice.
- Am I covered if I wreck a rental car?
- Are there companies who specialize in insuring high-risk drivers?
- Does my policy cover me when driving someone else’s vehicle?
- Can I rate high risk drivers on liability-only vehicles?
- Does my car insurance cover rental cars?
- I have good health insurance, so how much medical payments coverage do I need?
- Who is covered when they drive my Honda Pilot?
- Should I file a claim if it’s only slightly more than my deductible?
- When should I drop full coverage on my Honda Pilot?
If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and may give you better protection.
Quote online but work with a neighborhood agent
A small number of people would rather buy from a licensed agent and that is a personal choice. Licensed agents can point out coverage gaps and give you someone to call. One of the best bonuses of getting online price quotes is you can get better rates and still choose a local agent. And supporting small agencies is important espcially in small towns and cities.
Once you complete this simple form, your insurance coverage information is submitted to local insurance agents who will compete for your insurance coverage. There is no need to drive around due to the fact that quote results will go immediately to your email address.
Insurance agents come in two varieties
When looking for an insurance agent, you must know there are a couple different types of agents that you can select. agents can either be independent or captive. Both do a good job, but it’s worth learning the differences since it can impact buying decisions.
Independent Agencies or Brokers
Independent agents do not work for one specific company but rather can write business with many different companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier and that require little work on your part. When comparing rates, you should always contact at least one independent agent to get the best comparison.
Captive Insurance Agents
These agents are contracted to one company such as AAA, State Farm, Farmers Insurance and Allstate. They are unable to shop your coverage around so it’s a take it or leave it situation. Captive agencies are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums.
To view a complete directory of insurance agencies in your area, click here.
Picking an insurance agency requires more thought than just the price. Ask your prospective agent these questions:
- Will their companies depreciate repairs to your car based on the mileage?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Are they full-time agents?
- Does the agency support the community they serve?
- Is the agent and/or agency licensed to do business in your state?
After getting reasonable responses for all questions you ask and locked in a price quote, chances are good that you have found an insurance agent that is a good match to properly service your auto insurance policy. But remember, you can always cancel coverage at any point so don’t think that you’re stuck with any specific agency with no way to switch.
In Summary
When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, someone dropped uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage at the best price, not the least amount of coverage.
Affordable Honda Pilot insurance can be found from both online companies as well as from independent agents, and you need to price shop both to have the best rate selection. Independent insurance agents have access to many smaller companies that don’t always offer online price quotes.
