Who Has Cheap Insurance for a Honda Pilot in Ohio?
The likelihood of finding cheap auto insurance for a Honda Pilot in Ohio hinges on an enormous amount of factors such as the safety rating for your Pilot, your geographic location, and if you have any chargeable driving offenses. Drivers in Ohio pay approximately $850 every 12 months to buy Honda Pilot insurance, but that figure is a projection rating a 30-year-old single female driver that purchased full comprehensive and collision coverage and $250 policy deductibles.
It’s highly likely that you may not be 30 years old (or even female), maybe you are married instead of single, and you don’t want the same coverages and limits as the example. Having just a slight change in rating factors or requested coverage amount can make a large difference in the policy rate.
This illustrates why your best shot at finding the cheapest coverage for your Honda is to just take the time to do a thorough rate comparison. Quotes are always free and you will get price quotes from the cheapest companies around.
Your Honda’s trim level tends to have a direct effect on the cost of coverage, so the rate you will pay to insure a Pilot LX 2WD trim level will be $92 less expensive the cost to insure the higher-end Pilot Touring 4WD trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$194||$298||$306||$18||$92||$908||$76|
|Pilot EX 2WD||$220||$298||$306||$18||$92||$934||$78|
|Pilot EX 4WD||$220||$298||$306||$18||$92||$934||$78|
|Pilot EX-L 2WD||$220||$364||$306||$18||$92||$1,000||$83|
|Pilot EX-L 4WD||$220||$364||$306||$18||$92||$1,000||$83|
|Pilot Touring 2WD||$220||$364||$306||$18||$92||$1,000||$83|
|Pilot Touring 4WD||$220||$364||$306||$18||$92||$1,000||$83|
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rates do not factor in vehicle garaging location which can alter insurance rates noticeably.
Finding the top company is difficult considering how many companies provide coverage in Ohio. The ranking data listed below could help you analyze which providers you want to consider to insure your vehicles.
The rankings below include the companies with a significant amount of written premium nationwide, so companies without a large exposure are not included in this list. If you wish to compare prices and find the cheapest rates for a Honda Pilot, click here.
Top 10 Large Car Insurance Companies Overall in Ohio
- 21st Century
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- American Family
Top 10 Large Car Insurance Companies in Ohio Ranked by Value
- AAA Insurance
- Erie Insurance
- State Farm
- Liberty Mutual
- Safeco Insurance
- 21st Century
- Titan Insurance
Top Companies for Honda Pilot Insurance in Ohio
Poor driving habits will raise your insurance rates
The easiest method to get the most affordable insurance prices for a Pilot is to drive cautiously and have a clean driving record. The illustration below demonstrates how traffic citations and accidents influence insurance rates for different categories of driver ages. The prices are based on a married female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.
The data in the chart shows the average cost of an auto insurance policy in Ohio per year with a clean driving record and no accidents is $924. Get written up for two speeding tickets and the average cost increases to $1,303, an increase of $379 each year. Now get two accidents along with the two speeding tickets and the yearly cost of insurance for a Honda Pilot jumps again to an average of $2,817. That’s an increase of $1,893, or $158 per month, just for not driving responsibly!
Price comparison of only insuring for liability
Finding cheap insurance for a Honda Pilot in Ohio is probably important to most vehicle owners, and one easy way to buy cheaper insurance is to buy only liability coverage. The example below visualizes the comparison of car insurance rates with full coverage compared to only the Ohio minimum liability coverage. The prices are based on no violations or claims, $100 deductibles, drivers are single, and no additional discounts are factored in.
If we average all the age groups together, comprehensive and collision coverage on your policy costs an extra $1,467 per year over and above liability coverage. At some point, about every driver wonders if physical damage coverage is worth the money. There is no set rule for eliminating comp and collision coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.
There are a few cases where eliminating full coverage is not financially feasible. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not buy liability only.
Chances are good that you’re overpaying for Pilot insurance
Ohio insurance rates are based on many factors that may substantially change the cost of having a policy. Simply turning a year older, buying higher coverage limits, or getting a reckless driving citation can produce rate changes that can make some companies cheaper than before. And not only may your rating factors change, but car insurance companies change rates multiple times each year to adjust for gains or losses. Heavier than normal losses may cause increased policy costs, while profitable underwriting can result in cheaper Pilot insurance rates.
The graph below shows the companies that have the cheapest car insurance in Ohio for a 45-year-old male driver with no prior accidents, a clean driving record, and excellent credit. When quoting prices based on his current rating profile, Utica National has the best car insurance rates in Ohio at $647 a year. This is $393 less than the average policy premium paid by Ohio drivers of $1,040. Frankenmuth, Erie, Allied, and USAA are also on the list of the best Ohio auto insurance companies.
In the next rate comparison, we’ll give the driver in the first chart a chargeable accident, a lower credit rating, and an imperfect driving record. Since every insurance provider uses their own formula for determining prices, getting updated rate quotes may result in a different list of affordable Ohio car insurance companies as shown below.
Merchants Insurance Group now has the best auto insurance rate in Ohio with Cincinnati Insurance, Motorists Mutual, General Casualty, and Grange Mutual also having competitive pricing. This shows why it is critical to compare as many rates as possible when trying to get affordable auto insurance quotes for a Honda Pilot.
Prices are impacted by many different factors and change substantially, so the lowest-price company the last time you checked may now be quite expensive.
How to find cheap insurance for a Honda Pilot in Ohio
It’s not impossible to find cheaper rates, and here are some of the better thrifty suggestions that can help Ohio drivers get low-cost coverage.
- Pay less by remaining claim-free
- Save money by insuring your home and auto with the same company
- Increase your credit rating
- Assess whether full coverage is needed
- Raise comprehensive and collision coverage deductibles
- Choose a safer vehicle and pay lower rates
- Comparison shop at least every other year
That last piece of advice is remarkably valuable, as was affirmed in this piece. Prices charged by auto insurers adjust frequently, so you should be ready to change to a new company if a lower-cost policy is available.
Being loyal to a particular company is commendable, but it’s not a good idea if it’s costing you big bucks every year. In less than five minutes you could compare rates to find cheaper auto insurance for a Honda Pilot.
Who has the cheapest Honda Pilot insurance quotes?
There are quite a few ways to quote and buy insurance in Ohio, but the most common ways are using an exclusive agency like State Farm or Allstate, an independent insurance agent, or from a direct company like Geico.
Each way has the same basic process, but insurance shoppers should know the differences in how they price policies.
Independent agencies work for many companies and can compare rates with every one. These types of agents have the freedom to provide you with more rate quotes, which may provide you with more bang for your buck. If your premiums go up, they simply move the coverage in-house and you won’t have to switch agencies.
An exclusive agent is usually restricted to just one company, a couple examples are an Allstate or Liberty Mutual agent. Exclusive agents cannot compare rates from other companies, so they have no alternatives for high prices.
Choosing to buy insurance direct means you do not use a local insurance agent and buy direct either online or via phone. Buying insurance direct may be a decent choice consumers who do not need complex risk management and have a good understanding of the limitations of insurance.
Out of those three methods, which one works best to find cheap insurance for a Honda Pilot in Ohio? Most people assume that buying from a direct car insurance company results in the best prices because there is no agent involved, but unfortunately, that is not the case. And we’d like to say using an independent agent results in the best rates since they can quote with many companies, but that is not accurate either. And occasionally, exclusive agents have coverage prices that are the cheapest.
Since insurance prices are based on many different factors, really the best method to get rock-bottom rates is to get quotes and compare the rates. Take some time and get price quotes all three ways to have the best rate selection. To see some of the cheapest online companies available, click here to view.
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