Honda Pilot insurance policy image courtesy of QuoteInspector.com
When looking for cheaper insurance, are you overwhelmed by the sheer number of auto insurance sources available to you? Lot's of other drivers are too. Texas consumers have so many options that it can turn into a real challenge to find the perfect company for you. Austin is a great city to raise a family in, but high auto insurance rates can make it difficult for lots of drivers to afford proper coverage amounts.
Astonishng but true according to a recent study, 70% of consumers have bought auto insurance from the same company for at least the last four years, and approximately 38% of consumers have never compared rates to find affordable insurance. Consumers in America could save about 46.5% each year just by shopping around, but they don't believe how much they could save if they swap their current policy for a cheaper one.
You should make it a habit to check auto insurance prices quite often because rates change frequently. If you had the best premium rates on Honda Pilot insurance in Austin six months ago the chances are good that you can find a lower price today. There are lots of tips to save on Pilot insurance on the internet, but I'm going to show you some of the best techniques to lower your auto insurance rates in Austin.
The easiest way to compare car insurance rates for Honda Pilot insurance in Austin is to know the trick car insurance companies provide online access to give free rates quotes. The only thing you need to do is provide a little information like how much you drive, how much education you have, driver ages, and level of coverage desired. That information is submitted instantly to multiple different insurance companies and you receive quotes instantly to find the best rate.
If you would like to start a quote now, click here and complete the form.
The companies shown below offer free quotes in Austin, TX. If multiple providers are shown, we recommend you compare several of them in order to find the most competitive rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$166||$236||$392||$24||$118||$936||$78|
|Pilot EX 2WD||$228||$316||$514||$30||$154||$1,242||$104|
|Pilot EX 4WD||$284||$404||$358||$22||$108||$1,176||$98|
|Pilot EX-L 2WD||$160||$266||$366||$22||$110||$924||$77|
|Pilot EX-L 4WD||$286||$486||$400||$24||$120||$1,316||$110|
|Pilot Touring 2WD||$358||$580||$388||$24||$116||$1,466||$122|
|Pilot Touring 4WD||$176||$306||$400||$24||$120||$1,026||$86|
|Get Your Own Custom Quote Go|
Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Information does not factor in the specific area where the vehicle is garaged which can influence rates noticeably.
Cost comparison with and without full coverage
The information below visualizes the comparison of Honda Pilot yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no claims or violations, $250 deductibles, married male driver, and no additional discounts are factored in.
When to stop buying full coverage
There is no specific rule to stop paying for full coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
For example, let's assume your Honda Pilot settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $4,000 after you pay the deductible. If it's costing in excess of $400 annually for your policy with full coverage, then it may be the right time to buy liability only.
There are a few situations where dropping physical damage coverage is not recommended. If you have an outstanding loan on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.
Auto insurance premiums based on gender
The chart below shows the difference between Honda Pilot insurance costs for male and female drivers. The premiums are based on no claims, a clean driving record, comp and collision included, $1,000 deductibles, marital status is single, and no other discounts are factored in.
Earn discounts to get lower-cost Austin car insurance rates
Some insurance providers don't list all their discounts very well, so we break down some of the best known as well as some of the hidden credits that you can use to lower your rates.
- Safety Restraint Discount - Requiring all passengers to fasten their seat belts can save 10% or more off the personal injury premium cost.
- Defensive Driver Discounts - Successfully completing a course teaching safe driver skills could possibly earn you a 5% discount and easily pay for the cost of the class.
- Paperless Signup - A few larger online companies give back up to $50 for buying your policy over the internet.
- Savings for New Vehicles - Putting car insurance coverage on a new Pilot is cheaper compared to insuring an older model.
- Theft Deterrent System - Vehicles that have factory alarm systems and tracking devices can help prevent theft and earn discounts up to 10% off your Austin car insurance quote.
- First Accident Forgiveness - This one is not really a discount per se, but a few companies such as Allstate, State Farm and GEICO permit an accident before hitting you with a surcharge so long as you are claim-free for a particular time prior to the accident.
- Air Bags and Passive Restraints - Factory options such as air bags or motorized seat belts can get savings as much as 30%.
- Austin Homeowners Pay Less - Owning a home in Austin can save a few bucks because it is proof of financial responsibility.
- Discounts for Federal Employees - Simply working for the federal government can earn a discount up to 10% with some car insurance companies.
- Auto/Home Discount - When you combine your auto and home insurance with one insurance company you will save nearly 15% which can help you find inexpensive Honda Pilot insurance in Austin.
A little note about advertised discounts, some of the credits will not apply to the entire cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you could get a free car insurance policy, you won't be that lucky.
Companies that may offer policyholders most of the discounts above possibly include:
When quoting, ask every insurance company which discounts they offer. Some credits may not apply to policyholders in Austin. If you would like to choose from a list of companies who offer cheap Honda Pilot insurance quotes in Austin, click this link.
You may want advice from an insurance agent
Some consumers would prefer to buy from a licensed agent. The biggest benefit of comparing rate quotes online is that drivers can save money and get cheap rate quotes and still have a local agent. Buying from local insurance agents is definitely important in Austin.
For easy comparison, once you complete this simple form, your information is submitted to agents in your area who will give competitive quotes for your coverage. You don't have to search for any insurance agencies since price quotes are sent to you instantly. You can get cheaper car insurance rates without requiring a lot of work. If you need to quote rates from a particular provider, you would need to jump over to their website and complete a quote there.
Austin car insurance agents come in two flavors
If you want a local agent, there are a couple of different types of agents that you can choose from. Agents can be classified as either independent or exclusive depending on the company they work for.
Independent Car Insurance Agencies
These type of agents are appointed with more than one company and that allows them to write policies with an assortment of companies and find you cheaper rates. If premiums increase, your policy is moved internally and you won't have to switch agencies.
When comparing car insurance rates, you absolutely need to get insurance quotes from several independent insurance agents to get the most accurate price comparison. Many write coverage with companies that do not advertise much that may provide cheaper car insurance rates.
Listed below is a short list of independent insurance agencies in Austin that can give you price quotes.
- Austin Insurance Group
9705 Burnet Rd #314 - Austin, TX 78758 - (512) 339-2901 - View Map
- AmeriFirst Insurance Agency, LLC
8300 N Mopac Expy #105 - Austin, TX 78759 - (512) 524-8808 - View Map
- Greater Austin Insurance Inc
11824 Jollyville Rd # 202 - Austin, TX 78759 - (512) 250-1777 - View Map
Exclusive Insurance Agents
Agents that choose to be exclusive can only quote rates from one company such as State Farm, Allstate and AAA. These agents are unable to provide prices from multiple companies so they really need to provide good service. Exclusive agents are usually well trained on sales techniques which helps them compete with independent agents. A lot of people buy from the same agent for years mainly due to the brand name rather than low price.
Listed below is a list of exclusive insurance agents in Austin willing to provide price quotes.
- State Farm: Dick Clay
3006 Bee Cave Rd Suite B170 - Austin, TX 78746 - (512) 328-2340 - View Map
- Nancy Callahan - State Farm Insurance Agent
3500 Jefferson St #313 - Austin, TX 78731 - (512) 451-7573 - View Map
- Bob Jennings - State Farm Insurance Agent
4405 Pack Saddle Pass - Austin, TX 78745 - (512) 444-9671 - View Map
Finding the right car insurance agent needs to be determined by more than just the premium amount. Get answers to these questions too.
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Is there any savings for paying the full premium?
- Do they offer accident forgiveness?
- Do they feel the quoted coverages are adequate?
- Are they involved in claim handling?
- Which insurance companies are they affiliated with?
- How long has the business existed?
Protect your vehicle and other assets
Despite the potentially high cost of Honda Pilot insurance, paying for auto insurance serves an important purpose.
- Just about all states have compulsory liability insurance requirements which means you are required to carry specific minimum amounts of liability protection if you want to drive legally. In Texas 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 loan on your vehicle, almost all lenders will make it mandatory that you have full coverage to guarantee loan repayment. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Honda for a lot more money and force you to reimburse them for the much more expensive policy.
- Insurance protects your vehicle and your assets. Insurance will also pay for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to repair the damage.
The benefits of buying auto insurance greatly outweigh the cost, especially for larger claims. On average, a vehicle owner in Austin is currently overpaying as much as $869 every year so shop around at every renewal to save money.
Auto insurance coverage information
Understanding the coverages of a insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. It can pay for injuries to you and your family as well as your vehicle's damage.
Since a lot of drivers only purchase the least amount of liability that is required (30/60/25), their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy's liability coverage.
This coverage protects you from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 30/60/25 which stand for a limit of $30,000 per injured person, a total of $60,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability insurance covers claims such as structural damage, loss of income, medical services, medical expenses and bail bonds. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford. Texas requires drivers to carry at least 30/60/25 but drivers should carry better liability coverage.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like pain medications, hospital visits, surgery and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage
Collision coverage pays for damage to your Pilot resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for things such as colliding with a tree, crashing into a building, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible on your Pilot to get cheaper collision coverage.
Comprehensive (Other than Collision)
Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as a broken windshield, damage from flooding, rock chips in glass, a tree branch falling on your vehicle and falling objects. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.
Shop around and save
When you buy Austin car insurance online, never skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced comprehensive coverage or liability limits and learned later they didn't purchase enough coverage. The goal is to find the BEST coverage at the best possible price, not the least amount of coverage.
In this article, we presented some good ideas how you can find affordable Honda Pilot insurance in Austin. It's most important to understand that the more times you quote, the better your comparison will be. You may even be surprised to find that the lowest priced insurance comes from the smaller companies.
Insureds leave their current company for any number of reasons including being labeled a high risk driver, not issuing a premium refund, delays in responding to claim requests or delays in paying claims. It doesn't matter why you want to switch switching insurance companies can be easier than you think.
Even more information is located in these articles:
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Who Has Cheap Austin Auto Insurance Rates for Business Use? (FAQ)
- Insurance Losses by Make and Model (iihs.org)
- Teen Driver Statistics (Insurance Information Institute)