Honda Honda Pilot Insurance Rates
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UPDATED: Apr 18, 2022
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When calculating your Honda Pilot 2013 cost, you need to take into account more than just the price of the vehicle. You need to take into account DMV fees, maintenance costs, and also the cost of car insurance.
Looking for cheaper insurance rates for your Honda Pilot can help keep the ongoing cost of a 2013 Honda Pilot affordable.
If you have insurance now or are just looking to switch companies, you can use these tips to find better prices while maximizing coverage. Choosing the best insurance company for you is not rocket science. Drivers just need to know the best way to get comparison quotes online.
Honda Pilot Car Insurance Coverage options
Knowing the specifics of your auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring. Shown next are typical coverages offered by auto insurance companies.
Liability insurance — Liability coverage will cover damage or injury you incur to other’s property or people that is your fault. It protects YOU against other people’s claims and does not provide coverage for your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident, and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.
Liability insurance covers claims like structural damage, emergency aid, medical expenses, and court costs. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.
Comprehensive coverage — This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims such as damage from flooding, vandalism, hail damage, damage from getting keyed, and rock chips in the glass. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Collision coverage — This pays to fix your vehicle from damage caused by collision with a stationary object or another vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers things like sustaining damage from a pothole, driving through your garage door, and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.
Medical payments coverage and PIP — Med pay and PIP coverage reimburse you for immediate expenses like funeral costs, chiropractic care, prosthetic devices, and ambulance fees. They are often used to fill the gap in your health insurance program or if you lack health insurance entirely. They cover you and your occupants in addition to if you are hit while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than MedPay.
Uninsured/underinsured motorist coverage — Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Honda Pilot.
Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is an important protection for you and your family.
Saving on Honda Pilot Car Insurance
Affordable 2013 Honda Pilot insurance can be found online and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. A few companies do not offer online price quotes and most of the time these small insurance companies sell through independent agents.
Are you getting all your discounts?
Auto insurance companies don’t necessarily list every discount in a way that’s easy to find, so we took the time to find both the well-known and the more hidden discounts you could be receiving. If you aren’t receiving every discount you qualify for, you are throwing money away.
- Discount for New Cars – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars, standard features, and higher reliability.
- Discount for Life Insurance – Companies that offer life insurance give better rates if owners take out auto and life insurance together.
- Anti-lock Brake System – Vehicles with anti-lock braking systems features and electronic stability control can reduce accidents and earn discounts of up to 10%.
- Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
- Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
It’s important to note that most of the big markdowns will not be given to your bottom line cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, insurance companies aren’t that generous.
Also, while some features like fog lights, trim levels, fuel economy, a navigation display, and extra rows of seating are nice, they don’t really mean much to insurers.
Companies that may have these discounts include:
- State Farm
- Liberty Mutual
- The Hartford
Check with all companies you are considering which discounts they offer. Savings may not apply in every state.
Tailor Honda Pilot Coverage to Your Needs
When it comes to buying coverage, there is no cookie-cutter policy for being covered out on the road. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions might point out whether you would benefit from professional advice.
- Does having multiple vehicles earn me a discount?
- Is business property covered if stolen from my car?
- What companies insure drivers after a DUI or DWI?
- Am I covered if I drive in a foreign country?
- Why do I need rental car insurance?
- Is my custom paint covered by insurance?
- Is my trailer covered?
- Does insurance cover damages from a DUI accident?
- Can I still get insurance after a DUI?
If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent.
Be Wary of Car Insurance Company Ads
Drivers get pounded daily by advertisements for the lowest-priced auto insurance from the likes of GEICO, State Farm, and Progressive. They all seem to make an identical promise of big savings if you change your coverage to them.
But how can every company say the same thing? This is how they do it.
All the different companies can use profiling for the right customer that earns them a profit. For example, a profitable customer could possibly be between the ages of 30 and 50, is a homeowner, and has a short commute. Any new insured who matches those parameters will get the preferred rates and is almost guaranteed to save when they switch companies.
Drivers who do not match the “perfect” profile will be charged higher prices and this can result in the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everyone that quotes” save that much. That’s the way companies can make those claims. That is why it’s extremely important to get a wide range of price quotes. It’s impossible to know which insurance companies will give you the biggest savings on Honda Pilot insurance.
Throughout this article, we presented a lot of techniques to reduce insurance prices online. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. Consumers may even find the lowest premiums are with the smaller companies. Regional companies can often provide lower rates in certain areas than their larger competitors like Progressive or GEICO.
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