Compare 2023 Honda Pilot Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 7, 2024

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Have you had enough of robbing Peter to pay Paul to keep your car insured? You’re in the same situation as many other consumers. Insurance companies such as State Farm, Allstate, GEICO and Progressive all promote huge savings with fancy advertisements and consumers find it hard to see past the geckos and flying pigs and find the best price available.

It’s a good habit to compare premium rates before your policy renews because insurance coverage rates change regularly. Just because you had the best premium rates on Pilot insurance on your last policy you can probably find a better price now. Ignore everything you know about insurance coverage because it’s time to teach you the things you must know in order to find lower rates on insurance coverage.

Get cheaper insurance with these tips

An important part of buying insurance is that you know a few of the rating criteria that go into determining insurance rates. If you have a feel for what determines base rates, this allows you to make educated decisions that will entitle you to lower rates. Multiple criteria are taken into consideration when premium rates are determined. Some of the criteria are obvious like an MVR report, although others are more transparent such as your credit history or your financial responsibility.

  • Be proud to be claim-free – If you’re an insured who likes to file claims you can expect either higher rates or even cancellation. Car insurance companies generally give most affordable rates to policyholders who file claims infrequently. Auto insurance is meant to be used in the event of the large, substantial claims.
  • Maintain insurance coverage – Letting your insurance expire is a quick way to pay more for insurance. Not only will rates go up, not being able to provide proof of insurance can result in fines or a revoked license. You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Rental and towing coverage may not be needed – Insurance policies have a lot of extra bells and whistles that can waste your money on your Pilot policy. Coverage for things like rental car reimbursement, towing, and term life insurance are probably not needed. These coverages may sound good when talking to your agent, but if you don’t need them remove them and pocket the money.
  • Raising comp and collision deductibles lowers costs – Insurance for physical damage to your car, also called comprehensive and collision insurance, is used to repair damage to your vehicle. Examples of covered claims could be running into the backend of another car, vandalism, or theft. Deductibles for physical damage state the amount of money you are required to spend in the event of a claim. The more expense you’re willing to pay, the less your insurance will be on Pilot insurance.
  • Cars with good safety ratings save money – Vehicles that have high safety ratings cost less to insure. Safer cars help reduce the chance of injuries in an accident and any reduction in injury severity means lower claim amounts and cheaper rates on your policy.
  • Discounts for auto and home policies – Most insurance companies apply a discount for people who buy several policies from them in the form of a multi-policy discount. Even if you’re getting this discount you still need to get quotes from other companies to verify if the discount is saving money.
  • Deter vehicle theft – Choosing a vehicle with a theft deterrent system can help bring down rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
  • Younger drivers pay high premiums – Teenage drivers have a tendency to be careless and easily distracted when behind the wheel and because of this, their insurance rates are much higher. More experienced drivers are viewed as being more responsible, cost insurance companies less in claims , and are generally more financially stable.

How to get affordable auto insurance

Most larger insurance companies allow consumers to get coverage prices from their websites. Getting prices online doesn’t take much effort as you simply type in the coverage amounts you desire into the quote form. Once you submit the form, the company’s rating system orders reports for credit and driving violations and generates a price based on the information you submitted. This simplifies rate comparisons, but the process of having to visit several different sites and type in the same information is monotonous and tiresome. But it’s also necessary to have as many quotes as possible if you are searching for the lowest price.

The quickest way to compare rates uses just one form to obtain quotes from more than one company. It saves time, requires less work, and makes online price comparison a little more enjoyable. Immediately after submitting the form, it gets priced and you are able to buy any of the quotes that you receive. If the quotes result in lower rates, you simply finish the application and purchase the new policy. This process takes just a few minutes to complete and you will find out if you’re overpaying now.

To quickly use this form to compare rates, simply enter your zip code here and submit the form. If you have coverage now, it’s recommended you input deductibles and limits as shown on your current policy. This makes sure you will receive rate quotes for exact coverage.

Slick advertising tricks that work

Consumers can’t get away from ads that promise big savings from companies such as State Farm, Allstate and GEICO. All the ads seem to make the promise of big savings if you switch your policy.

How can each company claim to save you money?

Insurance companies have specific guidelines for the type of driver that earns them a profit. An example of a profitable customer could possibly be over the age of 50, owns a home, and drives a vehicle with a low ISO rating. Any driver that hits that “sweet spot” will get low rates and will also cut their rates if they switch.

Potential customers who don’t meet those criteria must pay a higher premium and this results in the customer buying from a different company. If you pay attention, the ads say “customers that switch” not “all people who quote” save the amount stated. That is how companies can truthfully lure you into getting a quote. This really drives home the point why drivers must get insurance quotes from several different companies. It is just not possible to predict which company will give you lower premium rates than your current company.

Insurance coverage policy discounts you can’t miss

Companies that sell car insurance don’t always advertise all discounts very clearly, so the list below contains a few of the more common and the more hidden discounts you could be receiving when you buy insurance online. If you’re not getting every credit you deserve, you could be saving more on your insurance coverage.

  • Full Payment Discount – If paying your policy premium upfront rather than spreading payments over time you could save up to 5%.
  • Discounts for Responsible Drivers – Safe drivers can save as much as half off their rates on Pilot insurance compared to accident prone drivers.
  • Lower Rates for Military – Having an actively deployed family member could qualify you for better rates.
  • Discounts for New Vehicles – Buying a new car model can save up to 30% because new model year vehicles have to meet stringent safety requirements.
  • Online Discount – A few insurance companies will give you a small discount simply for signing on the web.
  • Data Collection Discounts – Policyholders that allow driving data collection to study driving habits by using a telematics device like Allstate’s Drivewise could see a rate decrease as long as the data is positive.

A little disclaimer on discounts, most discounts do not apply to all coverage premiums. Some only apply to specific coverage prices like comprehensive or collision. Even though it appears all the discounts add up to a free policy, it’s just not the way it works. Any amount of discount will reduce the cost of coverage.

If you would like to view providers that offer multiple discounts, enter your zip code here.

Insurance agents can help

When it comes to choosing adequate coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that. For instance, these questions may help you determine whether your personal situation may require specific advice.

  • Should I sign the liability waiver when renting a car?
  • How can I get my company to pay me more for my totalled car?
  • Am I missing any policy discounts?
  • Is my teenager covered with friends in the car?
  • Is my 2023 Honda Pilot covered for flood damage?
  • Does my 2023 Honda Pilot need full coverage?
  • Can I afford low physical damage deductibles?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete your zip code. It only takes a few minutes and can provide invaluable advice.

Specifics of your insurance policy

Having a good grasp of your insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by insurance companies.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for hospital visits, ambulance fees, prosthetic devices, EMT expenses and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as backing into a parked car, colliding with a tree, hitting a mailbox, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Auto liability

This coverage provides protection from damage or injury you incur to a person or their property. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits 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 things such as repair costs for stationary objects, attorney fees, loss of income, funeral expenses and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Pilot.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as a tree branch falling on your vehicle, falling objects, hitting a bird, hitting a deer and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Saving money is sweet as honey

Throughout this article, we presented some good ideas how to save on 2023 Honda Pilot insurance. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding cheaper insurance. You may even discover the best price on car insurance is with a smaller regional carrier. They can often provide lower prices in certain areas as compared to the big name companies such as Progressive or GEICO.

As you quote insurance, it’s very important that you do not skimp on coverage in order to save money. Too many times, consumers will sacrifice physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at the best possible price but still have enough coverage for asset protection.

Cheaper car insurance can be found online and also from your neighborhood agents, so get free insurance quotes from both of them in order to have the best chance of saving money. There are still a few companies who don’t offer price quotes online and many times these small insurance companies only sell through independent agents.

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