How long has it been since you compared more affordable Honda Pilot insurance in Phoenix? Searching for low-cost insurance for a new or used Honda Pilot in Arizona can normally be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to buy car insurance so we’re going to tell you the best way to compare rates for a Honda and locate the lowest possible price.
If you are already insured or just want cheaper coverage, you can learn to lower your rates without reducing protection. Finding and comparing the best-priced protection in Phoenix is not as time-consuming as you think. Drivers just have to know the least time-consuming way to compare different rates using one simple form.
Low-cost companies for Honda Pilot insurance
The companies shown below are our best choices to provide price quotes in Phoenix, AZ. If more than one company is shown, we suggest you compare several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$248||$432||$390||$24||$116||$1,210||$101|
|Pilot EX 2WD||$156||$198||$306||$18||$92||$770||$64|
|Pilot EX 4WD||$204||$292||$390||$24||$116||$1,026||$86|
|Pilot EX-L 2WD||$238||$360||$308||$18||$92||$1,016||$85|
|Pilot EX-L 4WD||$236||$388||$404||$24||$122||$1,174||$98|
|Pilot Touring 2WD||$280||$526||$390||$24||$116||$1,336||$111|
|Pilot Touring 4WD||$224||$382||$314||$18||$94||$1,032||$86|
|Get Your Own Custom Quote Go|
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Information does not factor in Phoenix location which can raise or lower rates greatly.
Physical damage deductibles
The diagram below illustrates how your choice of deductibles and can change Honda Pilot premium costs for different categories of driver ages. The premiums assume a single female driver, comp and collision included, and no discounts are applied to the premium.
Cost of full coverage
The example below shows the comparison of Honda Pilot annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no tickets, no at-fault accidents, $1,000 deductibles, single male driver, and no discounts are taken into consideration.
When to switch to liability coverage only
There is no exact formula for phasing out comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Honda Pilot book value is $9,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company would pay you is $8,000 after paying your policy deductible. If you are paying more than $800 a year for comprehensive and collision coverage, then you might consider buying liability only.
There are a few situations where buying only liability insurance is not a good plan. If you haven’t satisfied your loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not buy liability only.
How violations and accidents impact rates
The information below shows how speeding tickets and at-fault accidents can drive up Honda Pilot annual premium costs for different ages of insureds. The rates are based on a married male driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.
Slash your car insurance rates with these seven discounts
The cost of insuring your cars can be expensive, but there are discounts available that could drop your premiums quite a bit. Many of these discounts will be applied automatically when you complete an application, but a few must be requested specifically before you get the savings.
- Seat Belt Discounts – Requiring all passengers to use a seat belt may be able to save a few bucks off PIP or medical payments premium.
- Telematics Data – Phoenix drivers who agree to allow their insurance company to study vehicle usage by using a telematics device such as State Farm’s In-Drive could see a rate decrease as long as the data is positive.
- Passenger Safety Discount – Options like air bags or automatic seat belts can receive discounts of more than 20%.
- Switch and Save Discount – Select car insurance companies give a discount for switching companies before your current expiration date. This discount can save up to 10%.
- Safe Driver Discount – Drivers who don’t get into accidents can save as much as half off their rates compared to rates paid by drivers with frequent claims.
- Buy New and Save – Buying a new car model can get you a discount since new vehicles have better safety ratings.
- Online Discount – Some car insurance companies will discount your bill up to fifty bucks for buying your policy on the internet.
Consumers should know that most credits do not apply to the entire cost. Some only apply to the cost of specific coverages such as comp or med pay. So even though you would think you could get a free car insurance policy, it just doesn’t work that way.
Companies that possibly offer some of the discounts shown above may include but are not limited to:
It’s a good idea to ask each insurance company the best way to save money. A few discounts may not apply in your state. If you would like to see a list of insurance companies that provide some of the discounts listed above in Phoenix, click this link.
Keep in mind that when it comes to choosing coverage online or from an agent, there is no best way to insure your cars. Your needs are unique to you and your insurance should be unique as well. For instance, these questions might point out whether you could use an agent’s help.
- Is a fancy paint job covered?
- When should my teen driver be added to my policy?
- Which is better, split liability limits or combined limits?
- Why is insurance for a teen driver so high in Phoenix?
- What is the minimum liability in Arizona?
- Does my policy cover my teen driver if they drive my company car?
- Is there coverage for my trailer?
- Am I covered when pulling a rental trailer?
- Are there companies who specialize in insuring high-risk drivers?
If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.
When should I contact a local insurance agent?
Many drivers would rather go talk to an agent and that is just fine! Most agents can help you choose the best coverages and give you someone to call. One of the great benefits of price shopping on the web is that you can obtain better rates and still buy from a local agent.
Once you complete this short form, your insurance data is immediately sent to agents in your area who want to provide quotes to get your business. You won’t even need to search for any insurance agencies since price quotes are sent immediately to you. If for some reason you want to quote rates for a specific company, just jump over to their website and give them your coverage information.
Picking an insurance company should depend on more than just the bottom line cost. Any agent in Phoenix should be forthright in answering these questions:
- How are they compensated?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do the companies they represent have a solid financial rating?
- If they are an independent agency in Phoenix, which companies do they recommend?
- Is vehicle mileage a factor when determining depreciation for repairs?
- When do they do policy reviews?
If you are wanting to purchase car insurance from a reliable agent, it’s helpful to know the different agency structures and how they differ in how they quote coverages. Agents can be classified as either independent or exclusive depending on the company they work for. Either one can insure your vehicles properly, but it is a good idea to know the difference between them since it can affect buying decisions.
Exclusive Car Insurance Agencies
These type of agents can only quote rates from one company and examples are American Family, State Farm, and Allstate. They are unable to compare other company’s rates so you might not find the best rates. Exclusive agencies are usually well trained on their products and sales techniques which can be an advantage. Some consumers prefer to buy from exclusive agents mainly due to the prominent brand name and solid financial strength.
Listed below is a short list of exclusive insurance agents in Phoenix willing to provide price quotes.
- Allstate Insurance: Christine Yap
9303 N 7th St Ste 5 – Phoenix, AZ 85020 – (602) 371-0581 – View Map
- Lula Smith – State Farm Insurance Agent
7217 S Central Ave – Phoenix, AZ 85042 – (602) 232-0793 – View Map
- Andy Carrillo – State Farm Insurance Agent
4713 E Southern Ave – Phoenix, AZ 85042 – (602) 426-8088 – View Map
Independent Car Insurance Agencies
Agents of this type do not sell for just one brand and that gives them the ability to insure through many different car insurance companies and get you the best rates possible. To transfer your coverage to a different company, your agent can just switch to a different company and the insured can keep the same agent.
When comparing car insurance rates, you will want to include rate quotes from a few independent agents in order to have the best price comparison. Most independent agents also contract with smaller mutual companies that many times have cheaper rates.
Shown below are Phoenix independent agents that can give you price quote information.
- MiniCo Insurance Agency, LLC
10851 N Black Canyon Hwy #200 – Phoenix, AZ 85029 – (800) 528-1056 – View Map
- UNO Insurance Agency
3510 E Bell Rd # 2 – Phoenix, AZ 85032 – (602) 493-2300 – View Map
- Oasis Insurance
317 N 19th Ave – Phoenix, AZ 85009 – (602) 233-5500 – View Map
Insurance coverages explained
Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. Insurance terms can be confusing and coverage can change by endorsement. Listed below are typical coverages offered by insurance companies.
This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from flooding and hail damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Coverage for liability
Liability coverage can cover damages or injuries you inflict on a person or their property by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 15/30/10 which stand for a $15,000 limit per person for injuries, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $10,000.
Liability insurance covers things like court costs, medical expenses, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible. Arizona state minimum liability requirements are 15/30/10 but it’s recommended drivers buy better liability coverage.
Collision coverage protection
Collision insurance covers damage to your Pilot caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like backing into a parked car, sustaining damage from a pot hole, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible on your Pilot to bring the cost down.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance kick in for bills such as ambulance fees, rehabilitation expenses, hospital visits, funeral costs and doctor visits. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Honda Pilot.
Since a lot of drivers carry very low liability coverage limits (15/30/10), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.
Shop smart and save
Discount Honda Pilot insurance in Phoenix is possible online as well as from independent agents in Phoenix, and you should be comparing both to have the best chance of lowering rates. Some companies do not offer online quoting and usually these small, regional companies prefer to sell through independent agents.
When searching for affordable Honda Pilot insurance quotes, don’t be tempted to buy less coverage just to save a little money. In too many instances, drivers have reduced full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at the best possible price while still protecting your assets.
Additional detailed information can be found in the articles below:
- Side Impact Crash Tests (iihs.org)
- How Much are Car Insurance Rates for a Chevrolet Equinox in Phoenix? (FAQ)
- Who Has Cheap Car Insurance Rates for Felons in Phoenix? (FAQ)
- What Auto Insurance is Cheapest for Welfare Recipients in Phoenix? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers Over Age 60 in Phoenix? (FAQ)
- Who Has Cheap Auto Insurance Rates for Immigrants in Phoenix? (FAQ)
- Bodily Injury Coverage (Liberty Mutual)
- Top Signs Your Brakes are Giving Out (State Farm)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Insuring a Leased Car (Insurance Information Institute)