Best Cheap Insurance for a Honda Pilot in Alabama
Enter your Alabama zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 7, 2019
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When writing about car insurance, the word affordable should not be used anywhere in the article to describe car insurance prices. Forgive the oxymoron, but cheap car insurance for a Honda Pilot can be hard to find. Don’t let that bother you, though, because we are going to show you some ways you can find insurance that is cheaper than your current rate.
Whether or not you can find cheap insurance for a Honda Pilot in Alabama hinges on a complicated rating formula that uses factors like annual vehicle mileage, where your vehicle is garaged, and if you have a history of accidents. Drivers pay an average rate of $970 annually to insure a Pilot, but that is an estimate based on rate data for a 40-year-old married male driver who needs full comprehensive and collision coverage and $250 deductibles.
There’s a high likelihood you are not 40 and possibly not even male, possibly single instead of married, or maybe you’re a renter instead of a homeowner. Auto insurance is unique to each driver, so the way we recommend to find cheap car insurance rates for your Honda is to make a habit of regularly comparing rates from other companies. Comparing quotes is easy and you will get price quotes from top-rated companies that offer coverage in Alabama.
Your vehicle’s trim level will likely have an effect on the annual cost of coverage, so the price you pay to insure a Pilot LX 2WD trim level will be $102 lower than the price to insure the more well-appointed Pilot Touring 4WD version, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$238||$332||$348||$20||$104||$1,042||$87|
|Pilot EX 2WD||$268||$332||$348||$20||$104||$1,072||$89|
|Pilot EX 4WD||$268||$332||$348||$20||$104||$1,072||$89|
|Pilot EX-L 2WD||$268||$404||$348||$20||$104||$1,144||$95|
|Pilot EX-L 4WD||$268||$404||$348||$20||$104||$1,144||$95|
|Pilot Touring 2WD||$268||$404||$348||$20||$104||$1,144||$95|
|Pilot Touring 4WD||$268||$404||$348||$20||$104||$1,144||$95|
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Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Information does not factor in vehicle location which can revise premium rates noticeably.
Deciding which companies quote the lowest-priced insurance rates for a Honda Pilot takes a little more work in order to find a policy that fits your budget.
Every car insurance company has a unique approach to set policy rates, so let’s rank the overall cheapest insurance companies in Alabama. It’s important to understand that Alabama insurance rates are based on many factors that control the policy price. Getting older, having a teen driver, or getting a speeding ticket can trigger changes in premium that can cause some rates to be cheaper than competitors.
|Rank||Company||Cost Per Year|
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Travelers has some of the most affordable car insurance rates in Alabama at around $783 annually. Cincinnati Insurance, USAA, GEICO, and Country also rank well as some of the lowest-priced Alabama insurance companies.
As shown in the rates above, if you are a customer of USAA and switched to Travelers, you may realize yearly savings of in the vicinity of $148. Policyholders with GEICO could save as much as $267 a year, and Country customers might lower prices by $388 a year.
It’s important to note that these premium estimates are averages across all insureds and vehicles and do not factor in a specific rating modification for a Honda Pilot. So the insurer that can offer you the best price may not even be shown in the company chart above. That affirms the importance of why you need to get rate quotes using your own specific driver and vehicle information.
Enter your zip code below to view companies that have cheap auto insurance rates.
Discounts on Alabama car insurance
Insurance providers that sell the best cheap insurance for a Honda Pilot in Alabama may additionally offer premium discounts that can lower rates by as much as 35% if you are eligible to receive them. Companies and a summarized list of policyholder discounts are:
|Pay in full||Yes||Yes||No||Yes||Yes|
|Student away from home||No||Yes||Yes||Yes||Yes|
|Own your home||No||Yes||No||No||No|
|Seat belt usage||Yes||No||No||No||No|
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The information below illustrates the difference between car insurance rates with and without discounts being applied to the rates. The price estimates are based on a female driver, no accidents or driving violations, Alabama state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with anti-theft, claim-free, vehicle safety, homeowner, multiple policy, and safe-driver discounts applied. When these discounts are applied, the average yearly reduction on insurance for a Honda Pilot is % or $.
The diagram below illustrates how your deductible choice can influence insurance rates when searching for cheap insurance for a Honda Pilot. The rate quotes are based on a single female driver, full physical damage coverage, and no policy discounts are applied.
In the chart above, a 30-year-old driver could save $378 a year by changing from a $100 deductible up to a $500 deductible, or save $572 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old category, could shave as much as $836 every year just by choosing larger deductibles.
When raising deductibles, it will be required to have plenty of discretionary funds to allow you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Which car insurance company is best?
If you want reliable insurance for a Pilot, four of the best places to start are State Farm, Allstate, Progressive, and Geico. They all have the same basic coverages, but each one has a unique set of features, discounts, and options that policyholders can choose from. The data below compares and contrasts some of the different features that are available.
|U.S. market share||18.3%||9.7%||9.1%||11.9%|
|Recommend by customers||88%||86%||88%||87%|
|A.M. Best rating||A++||A+||A+||A++|
|S&P financial rating||AA||AA-||AA||AA+|
|Accident forgiveness coverage||No||Yes||Yes||Yes|
|New car replacement coverage||No||Yes||No||No|
|Mechanical breakdown insurance||No||No||Yes||Yes|
|Coverage for ridesharing||Yes||Yes||Yes||Yes|
|Rate for vehicle usage||Yes||Yes||Yes||No|
|Emergency roadside service||Yes||Yes||Yes||Yes|
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Who has the cheapest Honda Pilot insurance quotes?
Drivers have a lot of ways to shop around for insurance in Alabama, but the most popular ways are from a captive (or exclusive) agent like State Farm or Auto-Owners, a non-exclusive or independent agent, or direct online or over the phone from a company like Geico or Progressive. Each way has the same basic steps, but it’s important to understand the differences in how they give price quotes.
Independent agencies have contracts with multiple insurance companies and can compare rates with every one. These types of agencies have the ability to provide multiple price quotes, which may give you improved odds of finding cheaper coverage. If your premiums go up, they can switch companies in-house and that require little work on your part.
An exclusive ageny is only able to give prices for one company, for example Liberty Mutual and Allstate agents. These agents usually cannot provide prices from multiple companies, so you might not find the best rates.
Drivers who opt to buy insurance direct do not use a local insurance agent and instead shop direct from companies such as Esurance or Geico. This insurance option is a good choice for people who do not need advice for asset protection and have some degree of understanding of how insurance works.
Which method works best to buy the best cheap insurance for a Honda Pilot in Alabama? Our initial answer would be buying from a direct car insurance company yields the cheapest rates because you bypass the middleman, but unfortunately, that is not always true. It could also be said buying insurance from an independent agent guarantees the cheapest rates since they can quote with many companies, but that assumption is also not accurate. For the right applicant, exclusive agents have very competitive rates that are well below what direct and independents offer.
Due to that fact that insurance uses so many rating variables, really the best method to ensure you are not overpaying for insurance is to get as many comparison quotes as possible. If you want to save money, get price quotes all three ways to have the best selection of rates to choose from. For a list of insurance companies with low rates, click here to view.
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