Save Money on Honda Pilot Insurance in Raleigh

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Insurance for Honda PilotIt's safe to conclude that insurance companies don't want their customers to go rate shopping. Insureds who shop for lower prices will, in all likelihood, switch car insurance companies because there is a high probability of finding more affordable rates. A survey found that consumers who made a habit of comparing rate quotes saved an average of $860 a year compared to drivers who never compared rates.

If finding the lowest price on insurance is your intention, then learning about how to choose a company and compare auto insurance can help you succeed in saving money.

The easiest way to find more affordable Honda Pilot insurance is to do a yearly price comparison from companies in Raleigh. This can be done by following these steps.

First, take a little time to learn about how insurance works and the modifications you can make to keep rates low. Many things that result in higher prices such as at-fault accidents, careless driving, and an imperfect credit rating can be eliminated by improving your driving habits or financial responsibility. Later in this article we will cover instructions to help find cheaper rates and get additional discounts that may be available.

Second, request price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive or State Farm, while independent agents can quote prices for many different companies. Compare rates

Third, compare the price quotes to your current policy premium to see if a cheaper price is available in Raleigh. If you find a lower rate and switch companies, ensure there is no coverage lapse between policies.

Fourth, notify your company or agent of your intention to cancel the current policy and submit payment and a signed application for your new policy. As soon as you have the new policy, place your new certificate of insurance with your registration paperwork.

The most important part of shopping around is that you'll want to make sure you compare similar coverage information on each quote request and and to get price estimates from as many car insurance companies as possible. Doing this guarantees a fair rate comparison and a good representation of prices.

If you're already insured, you stand a good chance to be able to find the best rates using the concepts covered in this article. Choosing the best rates in Raleigh seems hard but is not really that difficult. But North Carolina consumers do need to know the methods companies use to set your policy premium and use it to your advantage.

How to shop Honda Pilot insurance online

The majority of larger companies provide price estimates online. Obtaining pricing for Honda Pilot insurance in Raleigh is very simple as you simply enter the coverage amounts you desire into the form. When the form is submitted, the quote system requests your driving and credit reports and provides a quote based on the information you submitted. Being able to quote online for Honda Pilot insurance in Raleigh makes comparing rates easy, and it is important to get many rate quotes if you want to find the lowest payment on insurance.

To save time and find out how much you're overpaying now, compare rate quotes from the providers shown below. To compare your current rates, we recommend you duplicate coverages and limits identical to your current policy. Using the same limits helps guarantee you're receiving a rate comparison using the same coverage and limits.

The companies in the list below provide comparison quotes in North Carolina. In order to find cheap auto insurance in Raleigh, we recommend you visit as many as you can to find the most competitive auto insurance rates.

Insurance rate breakdown

The price information shown below highlights detailed analysis of rate quotes for Honda Pilot models. Having a good grasp of how auto insurance policy rates are established can assist in making decisions on which insurance to purchase.

Honda Pilot Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $206 $360 $324 $20 $96 $1,006 $84
Pilot EX 2WD $232 $360 $324 $20 $96 $1,032 $86
Pilot EX 4WD $232 $360 $324 $20 $96 $1,032 $86
Pilot EX-L 2WD $232 $438 $324 $20 $96 $1,110 $93
Pilot EX-L 4WD $232 $438 $324 $20 $96 $1,110 $93
Pilot Touring 2WD $232 $438 $324 $20 $96 $1,110 $93
Pilot Touring 4WD $232 $438 $324 $20 $96 $1,110 $93
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Price estimates do not factor in your specific Raleigh location which can decrease or increase coverage rates considerably.

Insurance deductibles

One of the more difficult decisions when buying insurance is how high should the physical damage coverage deductibles be. The tables below outline the premium difference of buying low and high insurance deductibles. The first rate estimation uses a $250 deductible for physical damage and the second rate chart uses a $500 deductible.

Honda Pilot insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $192 $266 $250 $14 $74 $821 $68
Pilot EX 2WD $218 $266 $250 $14 $74 $847 $71
Pilot EX 4WD $218 $266 $250 $14 $74 $847 $71
Pilot EX-L 2WD $218 $324 $250 $14 $74 $905 $75
Pilot EX-L 4WD $218 $324 $250 $14 $74 $905 $75
Pilot Touring 2WD $218 $324 $250 $14 $74 $905 $75
Pilot Touring 4WD $218 $324 $250 $14 $74 $905 $75
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Honda Pilot insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $156 $214 $250 $14 $74 $708 $59
Pilot EX 2WD $176 $214 $250 $14 $74 $728 $61
Pilot EX 4WD $176 $214 $250 $14 $74 $728 $61
Pilot EX-L 2WD $176 $262 $250 $14 $74 $776 $65
Pilot EX-L 4WD $176 $262 $250 $14 $74 $776 $65
Pilot Touring 2WD $176 $262 $250 $14 $74 $776 $65
Pilot Touring 4WD $176 $262 $250 $14 $74 $776 $65
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rates do not factor in specific garaging location which can lower or raise insurance rates considerably.

Based on the data above, we can derive that using a $250 deductible would cost the average driver about $10 more each month or $120 each year averaged for all Pilot models than quoting the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you average at least 25 months between claim filings, you would save more money if you choose a higher deductible.

Irresponsible driving raises your rates

The information below highlights how traffic violations and at-fault fender-benders influence Honda Pilot auto insurance costs for different age categories. The price estimates are based on a single female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.

Price comparison of only insuring for liability

The chart below illustrates the comparison of Honda Pilot auto insurance costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no accidents or driving violations, $500 deductibles, drivers are single, and no other discounts are factored in.

Should you pay for full coverage or liability only?

There is no set rule that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let's assume your Honda Pilot replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $8,000 after you pay the deductible. If premiums are more than $800 annually for physical damage coverage, then it might be time to consider dropping full coverage.

There are some scenarios where eliminating full coverage is not a good idea. If you still owe a portion of the original loan, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should keep full coverage.

Take policy discounts and save on Honda Pilot insurance in Raleigh

Some providers don't always publicize all possible discounts in an easy-to-find place, so the list below details a few of the more common as well as some of the hidden discounts that you may qualify for.Save money with discounts

  • Distant Student - Children who are enrolled in a college that is more than 100 miles from Raleigh and leave their car at home may qualify for this discount.
  • Accident Forgiveness - This one is not really a discount per se, but companies like GEICO, Allstate and Liberty Mutual will turn a blind eye to one accident without getting socked with a rate hike so long as you haven't had any claims before the accident.
  • Service Members Pay Less - Having a family member in the military can result in better premium rates.
  • Seat Belts Save - Drivers who always wear seat belts and also require passengers to use a seat belt can save a little off the personal injury premium cost.
  • Driver's Education for Students - Reduce the cost of insurance for teen drivers by having them enroll and complete driver's education if offered at their school.
  • Renewal Discounts - Select companies give a discount for switching to them before your current expiration date. It could save around 10% when you buy Raleigh car insurance online.
  • Defensive Driver - Taking part in a safe driver course is a good idea and can lower rates and also improve your driving technique.
  • Pay Now and Pay Less - By paying your policy upfront rather than paying monthly you can avoid the installment charge.
  • Anti-theft System - Cars and trucks equipped with anti-theft or alarm systems have a lower chance of being stolen and will qualify for a discount on a Raleigh car insurance quote.
  • New Car Discount - Insuring a vehicle that is new can be considerably cheaper because newer vehicles are generally safer.

We need to note that most discounts do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. So when it seems like you can get free auto insurance, insurance companies wouldn't stay in business.

The example below visualizes the comparison of Honda Pilot auto insurance rates with and without discounts applied to the rates. Data assumes a male driver, a clean driving record, no claims, North Carolina state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, safe-driver, multi-policy, claim-free, and marriage discounts applied.

A list of car insurance companies and some of their more popular discounts can be found below.

  • Travelers offers premium reductions for payment discounts, save driver, new car, IntelliDrive, and good student.
  • 21st Century may offer discounts for air bags, 55 and older, homeowners, driver training, good student, student driver, and automatic seat belts.
  • State Farm may include discounts for accident-free, safe vehicle, student away at school, passive restraint, good driver, good student, and defensive driving training.
  • GEICO discounts include multi-policy, seat belt use, defensive driver, anti-theft, and daytime running lights.
  • SAFECO includes discounts for bundle discounts, teen safe driver, drive less, multi-car, accident prevention training, homeowner, and anti-lock brakes.
  • AAA may have discounts that include multi-car, education and occupation, multi-policy, good student, pay-in-full, anti-theft, and good driver.

Before you buy a policy, ask every company what discounts are available to you. Some discounts listed above might not be available to policyholders in your state. To locate providers that offer discounts in Raleigh, click here to view.

Auto insurance does more than just repair your car

Despite the high cost, paying for auto insurance serves several important purposes.

  • Most states have compulsory liability insurance requirements which means you are required to buy specific limits of liability insurance in order to drive the car legally. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you have a lien on your Pilot, almost every bank will stipulate that you have insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the bank will be required to insure your Honda for a much higher rate and force you to pay much more than you were paying before.
  • Insurance protects not only your vehicle but also your assets. It will also cover medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay attorney fees in the event you are sued. If your Honda gets damaged, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of carrying enough insurance are definitely more than the cost, particularly when you have a large claim. But the average American driver is currently overpaying as much as $869 every year so it's recommended you shop around once a year at a minimum to ensure rates are competitive.

What insurance coverages do I need?

When choosing the best insurance coverage for your vehicles, there isn't really a best way to insure your cars. Your situation is unique.Higher deductibles save money

For instance, these questions might point out whether or not you would benefit from professional advice.

  • Is my camper covered for physical damage?
  • When should I not buy collision coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Which companies will insure high-risk drivers?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I have newly-acquired coverage?

If you don't know the answers to these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Local Raleigh auto insurance agents and auto insurance

Certain consumers still prefer to get professional advice from a licensed agent and often times that is recommended A good thing about getting online price quotes is that you can obtain lower prices and also buy local. Supporting local agents is important especially in Raleigh.

Raleigh insurance agentsAfter completing this short form, the coverage information is sent to local insurance agents in Raleigh who can give free rate quotes for your coverage. There is no need to contact any insurance agencies as quotes are delivered immediately to your email address. You can find the lowest rates and a licensed agent to work with. If you wish to get a rate quote from a specific company, feel free to search and find their rate quote page and fill out the quote form the provide.

Deciding on an provider requires you to look at more than just a cheap quote. You should also get answers to these questions.

  • In the event of vehicle damage, can you pick the collision repair facility?
  • Which companies can they place coverage with?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Is their price quote a firm figure or are their hidden costs?
  • Which companies do they recommend if they are an independent agency?
  • How much can you save by raising your physical damage deductibles?
  • Do they get paid more for recommending certain coverages?

Once you have received good answers for all questions you ask as well as a affordable price, it's possible that you found an insurance company that is a good match to service your policy.