2009 Honda Pilot Insurance Rates
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UPDATED: Mar 31, 2020
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Average insurance rates for a 2009 Honda Pilot are $1,062 a year for full coverage insurance. Comprehensive insurance costs approximately $194 a year, collision costs $236, and liability coverage costs $474. Buying a liability-only policy costs as little as $522 a year, with high-risk insurance costing $2,278 or more. Teenage drivers receive the highest rates at $4,206 a year or more.
Annual premium for full coverage: $1,062
Rate estimates for 2009 Honda Pilot Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2009 Honda Pilot models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For the average driver, prices range go from as low as $522 for only liability insurance to a high of $2,278 for a driver that may need high-risk insurance.
These differences illustrate why it is important for drivers to compare rates using their specific location and risk profile, rather than using average rates.
Use the form below to get rates for your location.
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Recommended Companies for Cheap 2009 Honda Pilot Insurance
Comparison shopping for auto insurance can seem to be nearly impossible for consumers new to buying insurance online. Consumers have so many options available that it can be a lot of work to compare prices.
Smart consumers take time to take a look at other company’s rates at least once a year since rates are adjusted regularly by insurance companies. If you had the best deal for Pilot insurance a couple years back the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the only way to reduce your cost while improving coverage.
Cut prices on 2009 Honda Pilot insurance
Car insurance can cost a lot, buy you may qualify for discounts to cut the cost considerably. Most are applied at quote time, but lesser-known reductions have to be requested specifically before you get the savings.
- Club Memberships – Participating in a qualifying organization is a good way to get lower rates when shopping for insurance coverage for Pilot insurance.
- Safety Course Discount – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
- Multiple Policy Discount – If you have multiple policies with the same insurance company you will save approximately 10% to 15%.
- Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
- Discount for Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.
- Sign Early and Save – A few companies offer discounts for signing up before your current policy expires. It can save you around 10%.
- No Charge for an Accident – A few companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
Consumers should know that most discount credits are not given to your bottom line cost. Some only apply to specific coverage prices like medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck. But all discounts will help reduce the amount you have to pay.
To see a list of insurance companies offering insurance coverage discounts, click here to view.
Comprehensive Auto Insurance Comparison
There are several ways to shop for Honda Pilot auto insurance, but some are more efficient than others. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you could use the internet to get rate comparisons in just a few minutes.
All the larger companies enroll in a system that allows shoppers to send in one quote, and every company then returns a price quote based on that information. This eliminates the need for quotation requests to every company. To find out how much you’re overpaying now click to open in new window.
The only downside to doing it this way is that consumers can’t choose which insurance companies to get pricing from. If you prefer to choose specific providers to compare rates, we have assembled a list of auto insurance companies in your area. View list of insurance companies.
It’s your choice how you get your quotes, but make sure you use apples-to-apples quote information on every quote. If you have different limits and deductibles on each one it will be next to impossible to make an equal comparison. Having just a slight variation in coverage limits can result in a big premium difference. And when price shopping your coverage, more quotes will increase your chances of finding a lower rate.
Tailor your coverage to you
When buying the best auto insurance coverage, there really is not a perfect coverage plan. Every situation is different.
For instance, these questions may help highlight whether you would benefit from professional advice.
- How can I find cheaper teen driver insurance?
- At what point should I drop full coverage?
- Do I need rental car coverage?
- Does insurance cover damages from a DUI accident?
- What can I do if my company won’t pay a claim?
- Does my 2009 Honda Pilot qualify for pleasure use?
- Should I buy full coverage?
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.
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Insurance coverages 101
Learning about specific coverages of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.
Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as theft, damage from flooding and vandalism. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Honda Pilot.
Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.
Collision coverages – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for things such as scraping a guard rail, sustaining damage from a pot hole, rolling your car, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.
Coverage for medical expenses – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like surgery, EMT expenses and rehabilitation expenses. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
Liability coverages – Liability coverage provides protection from damage that occurs to people or other property by causing an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.
Liability insurance covers things like court costs, legal defense fees, loss of income, emergency aid and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.
Smart shoppers get results
As you shop your coverage around, it’s a bad idea to skimp on coverage in order to save money. In too many instances, an insured cut comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your strategy should be to buy enough coverage for the lowest price while not skimping on critical coverages.
Insureds switch companies for any number of reasons including being labeled a high risk driver, poor customer service, unfair underwriting practices and high prices. Regardless of your reason for switching companies, finding a new insurance company is easier than you think.
In this article, we covered a lot of techniques to reduce 2009 Honda Pilot insurance prices online. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from the least-expected company.
Much more information about insurance is located below:
- Get the Right Protection (InsureUonline.org)
- Choosing a Car for Your Teen (State Farm)
- Auto Insurance FAQ (Farmers Insurance)
- Can I Drive Legally without Insurance? (Insurance Information Insitute)
- Preventing Carjacking and Theft (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$1,680|
|Los Angeles, CA||$1,818|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$65|
|5-yr Claim Free||$67|
|Paid in Full/EFT||$39|
Discounts are estimated and may not be available from every company or in every state.