Cheap Quotes for Honda Pilot Insurance in Pittsburgh

It’s a known fact that car insurance companies don’t want you to look for a cheaper policy. Insureds who compare other prices will, in all likelihood, switch to a new company because there is a good chance of finding better rates. Surprisingly, a recent survey revealed that drivers who compared rate quotes regularly saved over $3,400 over four years compared to policyholders who never shopped around for cheaper prices.

If finding the cheapest price for car insurance is your target objective, then having a good understanding how to find companies and compare insurance coverage can make the process more efficient.

It takes a little time, but the best way to get affordable Honda Pilot insurance is to compare quotes once a year from companies that insure vehicles in Pittsburgh.

• First, take a little time to learn about what coverages are included in your policy and the things you can change to keep rates low. Many things that result in higher rates like careless driving and an unacceptable credit history can be controlled by making minor driving habit or lifestyle changes.
• Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO and Allstate, while independent agencies can quote prices for many different companies.
• Third, compare the new rate quotes to your existing policy to see if switching to a new carrier will save money. If you find a better price, make sure the effective date of the new policy is the same as the expiration date of the old one.
• Fourth, provide notification to your current agent or company to cancel your current coverage and submit payment along with a signed and completed policy application to your new company or agent. As soon as you have the new policy, place the new proof of insurance paperwork in your vehicle’s glove compartment or console.

A crucial key to this process is that you’ll want to make sure you compare the same deductibles and limits on every quote and and to analyze every company you can. Doing this ensures the most accurate price comparison and a thorough price selection.

If you are already insured, you will surely be able to buy cheaper insurance using this information. Quoting and comparing the best-priced policy in Pittsburgh is quite easy. But Pennsylvania car owners must know how insurance companies price online insurance.

You Can Change Your Insurance Prices

Many different elements are used in the calculation when you get your auto insurance bill. A few of the factors are predictable such as traffic violations, but others are not quite as obvious like where you live or your vehicle rating. Part of the insurance buying process is learning the different types of things that go into determining the level of your policy premiums. If you have a feel for what determines premiums, this empowers consumers to make smart changes that could result in big savings.

Prevent coverage lapses – Having a gap between insurance policy dates is a guaranteed way to increase your rates. Not only will you pay more, getting caught without coverage may earn you fines or a revoked license.

Cautious drivers pay the best costs – Your driving citation history has a huge affect on how much you pay. Drivers who don’t get tickets get better rates than bad drivers. Even a single citation can bump up the cost by as much as twenty percent. Drivers who have serious violations like DUI or willful reckless driving may find they need to prove financial responsibility with their state’s department of motor vehicles in order to continue driving.

The example below shows how speeding tickets and at-fault collisions can increase Honda Pilot car insurance costs for each different age category. The premiums are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

Raise deductibles and save – Physical damage deductibles define the amount the insured will be required to pay if a claim is determined to be covered. Insurance for physical damage to your car, also called comprehensive and collision insurance, is used to repair damage to your car. A few examples of covered claims are colliding with a stationary object, animal collisions, and damage caused by road hazards. The more damage repair cost you are required to pay out-of-pocket, the lower your rates will be.

Guys pay more for insurance – Over the last 30 years, statistics show that females take fewer risks when driving. The data does not necessarily mean that men are WORSE drivers than women. Both sexes have fender benders in similar numbers, but males get into accidents with more damage. Not only are claims higher, but men get more serious tickets like reckless driving and DUI. Male drivers age 16 to 19 cause the most accidents and thus pay the highest rates.

The diagram below visualizes the comparison of Honda Pilot insurance prices for male and female drivers. The costs are based on no violations or claims, comp and collision included, $1,000 deductibles, single status, and no other discounts are factored in.

Insurance loss probability for a Honda Pilot – Insurers analyze the history of losses when setting premium rates. Models that tend to have high amounts or severity of claims will have higher rates for specific coverages.

The table shown below demonstrates the insurance loss data used by companies for Honda Pilot vehicles. For each insurance policy coverage type, the loss probability for all vehicles, as an average, is a value of 100. Numbers under 100 indicate a favorable loss history, while numbers shown that are more than 100 point to more claims or statistically larger losses.

The quickest method we recommend to compare rates for Honda Pilot insurance in Pittsburgh is to know the trick auto insurance companies pay for the opportunity to give free rates quotes. To begin a comparison, all you need to do is spend a couple of minutes providing details such as distance driven, if you’re married, if it has an alarm system, and if you lease or own. Your details is then submitted to many different companies and you get price estimates within a short period of time.

To compare rates for your car now, click here and enter your coverage details.

The companies shown below have been selected to offer comparison quotes in Pennsylvania. If your goal is to find the best car insurance in Pittsburgh, it’s highly recommended you compare several of them to get the most affordable price.

Data for Honda Pilot insurance

The table below highlights estimates of insurance rates for Honda Pilot models. Having a better idea how car insurance prices are calculated helps drivers make decisions on the best policy to buy.

Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate quotes do not factor in your specific Pittsburgh location which can raise or lower insurance rates noticeably.

Physical damage deductible comparison

One of the hardest decisions when shopping for insurance is what deductibles to buy. The figures shown below sum up the difference in cost when you select higher and lower physical damage deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Table data does not factor in specific location which can increase or decrease rates significantly.

Using the premium rates above, we can conclude that using a $100 deductible costs about $22 more each month or $264 each year averaged for all Pilot models than quoting the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at least 18 months between claim filings, you would probably come out ahead going with the higher deductible.

The example below illustrates how your choice of deductibles and can raise or lower Honda Pilot insurance premiums for each age group. The prices are based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.

Full coverage rates compared to liability-only

The diagram below shows the difference between Honda Pilot insurance prices with full coverage compared to only the Pennsylvania minimum liability coverage. The prices are based on no accidents, no driving violations, $250 deductibles, single status, and no discounts are factored in.

When to buy liability coverage only

There is no exact rule of when to exclude physical damage coverage, but there is a general guideline. If the annual cost of coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let’s assume your Honda Pilot replacement cost is $6,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $5,000 after paying your deductible. If you are paying over $500 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some situations where dropping physical damage coverage is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Choosing Pilot insurance is an important decision

Despite the high cost of buying insurance for a Honda Pilot in Pittsburgh, paying for insurance is required in Pennsylvania but also provides important benefits.

First, almost all states have compulsory liability insurance requirements which means state laws require a specific level of liability protection if you don’t want to risk a ticket. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a loan on your vehicle, most banks will require that you carry insurance to guarantee loan repayment. If you let the policy lapse, the bank or lender will purchase a policy for your Honda at a much higher premium rate and force you to pay the higher premium.

Third, insurance preserves not only your car but also your assets. It will also reimburse you for medical bills for not only you but also any passengers injured in an accident. Liability insurance also pays for attorney fees and expenses if you cause an accident and are sued. If your Honda gets damaged, your policy will cover the repair costs.

The benefits of carrying adequate insurance definitely exceed the cost, especially for larger claims. The average driver in Pennsylvania is overpaying more than $800 each year so you should quote rates at every policy renewal to ensure rates are inline.

Do you qualify for discounts on Honda Pilot insurance in Pittsburgh?

Some insurance providers do not advertise the entire discount list very clearly, so we researched both well-publicized and the more hidden insurance savings.

• Distant Student Discount – Youth drivers who are attending college and do not take a car to college may be insured at a cheaper rate.
• Telematics Devices – Insureds who allow their insurance company to monitor where and when they drive through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they have good driving habits.
• Theft Deterrent – Cars and trucks equipped with anti-theft or alarm systems are stolen less frequently and that can save you a little bit as well.
• Good Student – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
• Life Insurance Discount – Larger insurance carriers have a lower insurance rate if you buy auto and life insurance together.

Consumers should know that some of the credits will not apply to your bottom line cost. Most only reduce individual premiums such as liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, you’re out of luck.

The illustration below compares Honda Pilot insurance premiums with and without discounts. The costs are based on a male driver, no claims or driving citations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, marriage, safe-driver, multi-car, and multi-policy discounts applied.

A list of companies and a summarized list of policyholder discounts are:

• American Family offers discounts including mySafetyValet, good driver, multi-vehicle, early bird, air bags, and bundled insurance.
• State Farm offers premium reductions for Drive Safe & Save, accident-free, good driver, passive restraint, safe vehicle, and anti-theft.
• 21st Century discounts include homeowners, theft prevention, teen driver, anti-lock brakes, automatic seat belts, and good student.
• Travelers may offer discounts for continuous insurance, hybrid/electric vehicle, early quote, save driver, driver training, good student, and payment discounts.
• GEICO offers discounts for five-year accident-free, air bags, good student, daytime running lights, anti-lock brakes, and emergency military deployment.

When quoting, ask each insurance company the best way to save money. Discounts may not be offered everywhere. To locate insurers that offer the discounts shown above in Pittsburgh, click here.

When to get advice from an insurance agent

A lot of people just want to visit with an insurance agent and that is just fine! One of the great benefits of comparing insurance online is you can get the best rates and still have a local agent. Buying from and supporting neighborhood insurance agencies is important especially in Pittsburgh.

After completing this form (opens in new window), your information is submitted to insurance agents in Pittsburgh who will give you quotes and help you find cheaper coverage. You never need to visit any agencies because prices are sent to you instantly. You can get cheaper insurance rates and a licensed agent to work with. If you want to quote rates from one company in particular, you just need to find their quoting web page and fill out the quote form the provide.

If you want local Pittsburgh agents, you should know the different types of agents and how they can write your policy. Agents are either exclusive or independent agents depending on their company appointments.

Independent Insurance Agencies or Brokers

Independent agencies can quote rates with many companies so as a result can place your coverage with an assortment of companies and find the cheapest rate. If you want to switch companies, they can switch companies in-house which makes it simple for you. If you are trying to find cheaper rates, we recommend you get rate quotes from a couple of independent agencies to maximize your price options. A lot of them also have access to companies that do not advertise much which may provide better rates.

The following are Pittsburgh independent agencies that may be able to provide free insurance quotes.

• Murray Insurance Agency
  1565 McFarland Rd – Pittsburgh, PA 15216 – (412) 561-1600 – View Map
• The Dowd Insurance Agency
  998 Greensburg Pike – East Pittsburgh, PA 15112 – (412) 271-5477 – View Map
• Wagner Agency, Inc.
  5020 Centre Ave – Pittsburgh, PA 15213 – (412) 681-2700 – View Map

View more agents

Exclusive Insurance Agents

These type of agents have only one company to place business with such as State Farm, AAA, and Liberty Mutual. These agents are unable to give you multiple price quotes so they have no alternatives for high prices. These agents receive extensive training on the products they sell which helps them sell insurance even at higher premiums. Consumers often purchase coverage from exclusives primarily because of the prominence of the brand rather than having low rates.

Listed below is a list of exclusive agents in Pittsburgh that are able to give rate quotes.

• Steve Long – State Farm Insurance Agent
  2830 W Liberty Ave – Pittsburgh, PA 15216 – (412) 531-5600 – View Map
• Adriana Pasquini – State Farm Insurance Agent
  735 Copeland St, FL2, Pittsburgh 15232 – FL2, PA 15232 – (412) 904-1268 – View Map
• Tad Paterra – State Farm Insurance Agent
  984 Greentree Rd – Pittsburgh, PA 15220 – (412) 922-2622 – View Map

View more agents

Picking an auto insurance agent requires you to look at more than just a low price. Any agent in Pittsburgh should be forthright in answering these questions:

• What are their preferred companies if they are an independent agency?
• Are they paid to recommend certain coverages?
• How long has their agency been in business in Pittsburgh?
• Is the coverage adequate for your vehicle?
• Is the agent properly licensed in Pennsylvania?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?

Once you have answers to your satisfaction to any questions you may have as well as offering an affordable quote, you may have just found a car insurance agent that meets your needs to provide insurance coverage. It’s important to know that you are entitled to terminate your policy whenever you want so don’t assume that you’re stuck with a specific company for the full term.

Do I just need basic coverages?

When selecting the best car insurance coverage, there really is not a “best” method to buy coverage. Your financial needs are unique.

For example, these questions might help in determining whether or not you might need an agent’s assistance.

• Why am I be forced to buy a membership to get insurance from some companies?
• Is coverage enough to protect my assets?
• How do I insure my teen driver?
• Is a driver training discount available?
• How much can I save by bundling my policies?
• Why am I required to buy liability insurance?
• What does roadside assistance cover?
• Does my liability insurance cover pulling a trailer or camper?
• Am I covered if I break a side mirror?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form.

The best insurance company isn’t always the cheapest

Discount Honda Pilot insurance in Pittsburgh can be bought from both online companies and from local agencies, and you should be comparing both in order to have the best chance of saving money. Some insurance providers do not offer the ability to get a quote online and many times these regional insurance providers work with independent agents.

When trying to cut insurance costs, it’s a bad idea to buy poor coverage just to save money. Too many times, drivers have reduced liability limits or collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage at a price you can afford and still be able to protect your assets.

You just read a lot of tips how to shop for Honda Pilot insurance online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding affordable Pittsburgh car insurance quotes. You may even discover the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

Even more information can be found by following these links:

• Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
• What Insurance is Cheapest for Lyft Drivers in Pittsburgh? (FAQ)
• What Car Insurance is Cheapest for High Risk Drivers in Pittsburgh? (FAQ)
• Things to Know Before you Cancel Insurance (Allstate)
• Bodily Injury Coverage (Liberty Mutual)
• Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
• Top Signs Your Brakes are Giving Out (State Farm)