Cheapest 2016 Honda Pilot Insurance Rates in 2023
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UPDATED: Jun 6, 2023
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Want the cheapest insurance rates for your Honda Pilot? Finding affordable insurance is challenging for people who are new to buying insurance online. There are so many companies to choose from that it can quickly become a real challenge to compare prices.
It is always a good idea to do rate comparisons on a regular basis since rates are variable and change quite frequently. Just because you found the lowest rates for Pilot coverage on your last policy you will most likely find a better rate today. There is a lot of bad advice regarding insurance on the web, but with this article, you’re going to get some excellent ideas to find cheap insurance.
Compare Insurance Coverage Today
When shopping for insurance coverage there are multiple ways to get quotes from local insurance coverage companies. The fastest way to find competitive 2016 Honda Pilot insurance rates consists of shopping online. This can be accomplished using a couple different methods.
The first (and easiest) way to find low rates would be an industry-wide quote request form click to view form in new window. This type of form saves time by eliminating separate quotes to each individual insurance coverage company. One form will return price quotes from several companies. Just one form and you’re done.
A more time consuming way to get comparison quotes is to manually visit the website of each company to request a price quote. For examples sake, let’s say you want comparison quotes from State Farm, GEICO and Progressive. To get each rate you have to visit each site and enter your policy data, which is why most consumers use the first method.
For a list of links to companies insuring cars in your area, click here.
Whichever way you use, be sure to compare the exact same information on every quote you get. If your comparisons have different limits and deductibles on each one you will not be able to make a fair comparison for your Honda Pilot. Just a small difference in limits may result in large price differences. And when price shopping your coverage, comparing more company’s prices gives you a better chance of getting the best offered rates.
Lots of discounts mean lots of savings
Companies offering auto insurance do not advertise every available discount in a way that’s easy to find, so here is a list some of the best known and the more hidden car insurance savings.
- E-sign – Certain companies may give you up to $50 for buying a policy and signing up over the internet.
- Lower Rates for Military – Being on active duty in the military can result in better rates.
- Low Mileage Discounts – Fewer annual miles on your Honda can earn lower rates on the low mileage vehicles.
- Early Signing – Some insurance companies reward drivers for switching policies before your current policy expires. This can save 10% or more.
- Organization Discounts – Affiliation with certain professional organizations could trigger savings when shopping for car insurance for Pilot coverage.
- Government Employees – Employees or retirees of the government could cut as much as 10% off for Pilot coverage with certain companies.
- Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
A little note about advertised discounts, some of the credits will not apply to the entire cost. A few only apply to specific coverage prices like medical payments or collision. So even though it sounds like you could get a free car insurance policy, companies wouldn’t make money that way.
Companies that possibly offer these benefits include:
- American Family
- Farmers Insurance
- State Farm
Before buying, ask each insurance company how you can save money. All car insurance discounts might not be offered in your area.
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Situations that might require an agent
When it comes to choosing the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique.
For instance, these questions can aid in determining whether your personal situation would benefit from professional advice.
- Do I have coverage for damage caused while driving under the influence?
- Do I pay less if my vehicle is kept in my garage?
- What happens if I owe more than my 2016 Honda Pilot is worth?
- Are there companies who specialize in insuring high-risk drivers?
- Does my insurance cover my expensive audio equipment?
- Who is covered by my policy?
- Is a new car covered when I drive it off the dealer lot?
- Is my state a no-fault state?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.
Car insurance coverages for a 2016 Honda Pilot
Understanding the coverages of insurance can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.
Uninsured and underinsured coverage
This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.
Collision insurance will pay to fix damage to your Pilot resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as scraping a guard rail, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.
This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things like hitting a bird, vandalism, fire damage, a broken windshield and falling objects. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as surgery, hospital visits and prosthetic devices. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
This coverage can cover injuries or damage you cause to a person or their property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.
Liability insurance covers claims such as emergency aid, bail bonds, court costs and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.
Don’t be a big spender
You just read a lot of tips how to save on 2016 Honda Pilot insurance. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the best price on car insurance is with a smaller regional carrier.
When shopping online for car insurance, it’s very important that you do not reduce coverage to reduce premium. In many cases, consumers will sacrifice full coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy the best coverage you can find for the lowest price.
Cheap insurance is available on the web as well as from independent agents, and you should compare price quotes from both to have the best selection. Some car insurance companies don’t offer online price quotes and most of the time these smaller companies sell through independent agents.
To learn more, feel free to visit the following helpful articles:
- Auto Insurance Learning Center (State Farm)
- How Much Auto Coverage do I Need? (Insurance Information Insitute)
- Avoiding Deer Collisions (Insurance Information Insitute)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Booster Seat Ratings (iihs.org)
- What is a Telematics Device? (Allstate)
Frequently Asked Questions
How can I find the cheapest auto insurance rates for a 2016 Honda Pilot in 2023?
To find the cheapest auto insurance rates for a 2016 Honda Pilot in 2023, you can follow these steps:
- Compare quotes online: Use online insurance comparison tools to compare quotes from different insurance companies. Make sure to enter accurate information about your Honda Pilot and your coverage needs.
- Review coverage options: Consider the coverage options and limits that best suit your needs. While it’s important to find affordable rates, make sure you have adequate coverage to protect yourself and your vehicle.
- Ask about discounts: Inquire with each insurance company about any available discounts that you may qualify for. Common discounts include safe driver discounts, multi-policy discounts, and good student discounts.
- Maintain a clean driving record: Avoid accidents, traffic violations, and claims to maintain a clean driving record. Insurance companies often offer lower rates to drivers with a history of safe driving.
- Increase deductibles: Opting for higher deductibles can lower your insurance premiums. However, make sure you can afford to pay the deductible in case of an accident or damage to your Honda Pilot.
What are some common car insurance discounts for a 2016 Honda Pilot?
Car insurance companies offer various discounts that can help you save on your premiums for a 2016 Honda Pilot. Here are some commonly available discounts:
- Safe driver discount: This discount is awarded to drivers who have a clean driving record and no recent accidents or traffic violations.
- Multi-policy discount: If you have multiple insurance policies with the same company, such as auto and home insurance, you may qualify for a discount.
- Good student discount: Full-time students with good grades may be eligible for this discount.
- Anti-theft device discount: If your Honda Pilot has anti-theft devices installed, such as an alarm system or tracking device, you may receive a discount.
- Low mileage discount: If you don’t drive your Honda Pilot frequently, you may qualify for a discount.
- Affinity group discount: Some insurance companies offer discounts to members of certain organizations or professional groups.
It’s a good idea to inquire with each insurance company about the specific discounts they offer, as eligibility criteria may vary.
How can I get an accurate insurance quote for my 2016 Honda Pilot?
To get an accurate insurance quote for your 2016 Honda Pilot, make sure to provide accurate and detailed information about your vehicle and personal circumstances. Here are some tips:
- Provide accurate vehicle information: Include the make, model, year, and any safety features or modifications installed in your Honda Pilot.
- Describe your usage: Specify how you use your vehicle, whether it’s for commuting, pleasure, or business purposes. The more accurate you are in describing your usage, the more accurate your quote will be.
- Provide accurate personal information: Insurance companies consider factors such as your age, location, driving history, and credit score when calculating your premium. Ensure that the information you provide is accurate and up-to-date.
- Consider your coverage needs: Determine the coverage options and limits that best suit your needs. This will help you get an accurate quote based on the specific coverage you require.
Is it necessary to have comprehensive and collision coverage for a 2016 Honda Pilot?
Comprehensive and collision coverage are not legally required, but they can provide valuable protection for your 2016 Honda Pilot. Here’s a breakdown of these coverages:
- Comprehensive coverage: This coverage protects your vehicle against damage caused by events other than collisions, such as theft, vandalism, fire, or natural disasters. If you want financial protection against these risks, comprehensive coverage is recommended.
- Collision coverage: This coverage pays for repairs or replacement of your Honda Pilot if it’s damaged in a collision with another vehicle or object. If you want coverage for collision-related damages, including accidents, collision coverage is advisable.
Whether or not you should have comprehensive and collision coverage depends on your personal circumstances, including your budget, the value of your Honda Pilot, and your risk tolerance. Consider factors such as the cost of repairs or replacement, your driving habits, and the prevalence of theft or vandalism in your area.
What factors should I consider when choosing auto insurance for my 2016 Honda Pilot?
When choosing auto insurance for your 2016 Honda Pilot, consider the following factors:
- Coverage options and limits: Evaluate the coverage options available, such as liability, comprehensive, collision, and medical payments coverage. Determine the appropriate coverage limits based on your needs and budget.
- Insurance company reputation: Research the reputation and financial stability of the insurance companies you’re considering. Look for customer reviews, ratings, and the company’s track record in handling claims.
- Cost of premiums: Compare quotes from multiple insurance companies to find the most competitive premiums. However, remember that price should not be the only factor when selecting insurance. Consider the overall value and coverage offered.
- Customer service: Assess the quality of customer service provided by the insurance companies. Look for prompt and reliable claims handling, availability of customer support, and ease of communication.
- Discounts and benefits: Inquire about available discounts and additional benefits offered by the insurance companies. These can help you save money and enhance your coverage.
- Deductibles and out-of-pocket expenses: Consider the deductibles and out-of-pocket expenses associated with the insurance policy. Higher deductibles can lower premiums, but make sure you can afford the deductible if you need to file a claim.
By considering these factors, you can make an informed decision and choose the auto insurance that best meets your needs.
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