The best way to get cheaper Honda Pilot insurance is to compare prices annually from providers in Detroit. You can compare prices by following these guidelines.
- First, spend some time learning about coverages and the changes you can make to lower rates. Many things that result in higher prices like high-risk driving behaviors and a not-so-good credit history can be eliminated by making minor changes to your lifestyle.
- Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO and Allstate, while agents who are independent can provide rate quotes from multiple companies. View companies
- Third, compare the new rate quotes to your existing coverage to see if cheaper Pilot coverage is available in Detroit. If you can save some money and switch companies, make sure coverage does not lapse between policies.
- Fourth, give proper notification to your current agent or company of your intention to cancel your current auto insurance policy. Submit the required down payment along with the signed application to your new company or agent. Be sure to keep the new certificate verifying coverage in your glove compartment.
A valuable tip to remember is to make sure you enter identical limits and deductibles on every price quote and to quote with as many companies as possible. This enables a fair rate comparison and a thorough price selection.
It’s safe to assume that insurance companies don’t want policyholders to compare prices from other companies. Drivers who compare price quotes will presumably buy a new policy because of the good chance of finding a policy with better rates. A recent survey found that drivers who regularly compared rates saved approximately $865 annually compared to policyholders who never compared prices.
If finding low prices for Honda Pilot insurance in Detroit is your objective, then knowing the best ways to find and compare auto insurance can help you be more efficient.
Buying affordable auto insurance in Detroit is really not that difficult. Essentially each driver who has to purchase auto insurance most likely will find lower prices. But Michigan drivers must comprehend the way companies sell insurance online and use this information to your advantage.
Companies offering Honda Pilot insurance in Michigan
The providers in the list below can provide comparison quotes in Detroit, MI. If multiple companies are listed, it’s highly recommended you compare several of them in order to find the most competitive rates.
Coverage statistics and figures
The price information below highlights estimates of coverage prices for Honda Pilot models. Having a good grasp of how auto insurance premiums are established can be valuable when making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Pilot LX 2WD | $374 | $614 | $780 | $46 | $234 | $2,048 | $171 |
| Pilot EX 2WD | $422 | $614 | $780 | $46 | $234 | $2,096 | $175 |
| Pilot EX 4WD | $422 | $614 | $780 | $46 | $234 | $2,096 | $175 |
| Pilot EX-L 2WD | $422 | $746 | $780 | $46 | $234 | $2,228 | $186 |
| Pilot EX-L 4WD | $422 | $746 | $780 | $46 | $234 | $2,228 | $186 |
| Pilot Touring 2WD | $422 | $746 | $780 | $46 | $234 | $2,228 | $186 |
| Pilot Touring 4WD | $422 | $746 | $780 | $46 | $234 | $2,228 | $186 |
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Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in specific location which can revise auto insurance rates greatly.
The illustration below demonstrates how deductible levels and can increase or decrease Honda Pilot premium costs for each different age group. The rate quotes are based on a married female driver, full coverage, and no other discounts are factored in.
Comparison of full coverage and liability-only policies
The example below illustrates the comparison of Honda Pilot insurance prices with full physical damage coverage compared to only buying liability only. The premiums assume no claims or driving citations, $100 deductibles, single marital status, and no discounts are factored in.
When to buy liability coverage only
There isn’t a steadfast formula for eliminating full coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is about 10% or more of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Honda Pilot settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $2,000 after paying your deductible. If you are currently paying more than $200 a year for comprehensive and collision coverage, then you might consider buying liability only.
There are a few situations where eliminating full coverage is not advised. If you still have a lienholder on your title, you have to carry full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.
Informed Decisions Result in Lower Insurance Rates
One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that aid in calculating your auto insurance rates. When consumers understand what impacts premium levels, this empowers consumers to make smart changes that may reward you with lower premium levels.
Prevent auto insurance policy lapses – Having a lapse in insurance coverage will be a guaranteed way to trigger a rate increase. In addition to paying higher premiums, the inability to provide proof of insurance could result in a fine, jail time, or a revoked license.
Raising deductibles saves money – Insurance for physical damage to your car, also called comprehensive and collision insurance, is used to repair damage to your vehicle. Examples of covered claims are collision with another vehicle, flood damage, and damage caused by flying debris. Your deductibles are how much you are willing to pay in the event of a claim. The more expense you are required to pay out-of-pocket, the lower your rates will be.
Having a spouse brings a discount – Walking down the aisle helps lower the price on your policy. Marriage may mean you are more responsible and insurance companies reward insureds because being married results in fewer claims.
Low credit rating equals high costs – Having a bad credit score is a large factor in determining what you pay for auto insurance. People with excellent credit tend to be more responsible and file fewer claims as compared to drivers with poor credit. So if your credit can use some improvement, you could potentially save money when insuring your Honda Pilot by spending a little time repairing your credit.
Insure your auto and home with one company – Lots of auto insurance companies will give discounts for people who consolidate policies with them, otherwise known as a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even if you qualify for this discount already, consumers should still check prices from other companies to guarantee you are still saving the most. Consumers may find a better deal by insuring with multiple companies.
Insurance rates in urban areas – Choosing to live in small towns and rural areas may provide you with better prices when buying auto insurance. Drivers in populated areas have to deal with more auto accidents and more time behind the wheel. Fewer drivers means fewer accidents in addition to fewer liability claims.
Deter car thieves – Purchasing a vehicle that has a built-in theft deterrent system can save you some money. Systems that thwart thieves like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft and help lower rates.
Too many policy claims and you’ll pay more – Insurance companies in Michigan provide the best rates to people who only file infrequent claims. If you file a lot of claims you can definitely plan on increased rates or even have your policy non-renewed. Insurance coverage is meant to be used in the event of the large, substantial claims.
Insurance loss probability for a Honda Pilot – Companies use historical loss data when they calculate premium prices for each model. Vehicles that historically have higher prevalence or dollar amount of losses will have a higher cost to insure.
The table below illustrates the insurance loss data for Honda Pilot vehicles. For each type of coverage, the claim amount for all vehicles, regardless of manufacturer or model, is a value of 100. Values under 100 imply a favorable loss record, while percentages above 100 indicate more frequent losses or tendency to have larger claims.
| Specific Honda Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Honda Pilot 4dr 2WD | 70 | 96 | 69 | 82 | 82 | 86 |
| Honda Pilot 4dr 4WD | 79 | 105 | 81 | 88 | 74 | 82 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Take advantage of these rate reducing discounts
Car insurance can cost a lot, but you might be missing out on some discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at quote time, but some discounts are required to be inquired about before you will receive the discount.
- Discounts for Good Drivers – Insureds without accidents could pay up to 40% less than drivers with accidents.
- Onboard Data Collection – Policyholders that allow their insurance company to analyze their driving habits remotely such as State Farm’s In-Drive could possibly reduce rates if they are good drivers.
- More Vehicles More Savings – Buying a policy with primary and secondary vehicles on one policy can get a discount for every vehicle.
- Claim Free – Detroit drivers who stay claim-free are rewarded with significantly better rates on Detroit car insurance quote when compared to bad drivers.
- Home Ownership Discount – Just being a homeowner may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
- Theft Prevention Discount – Cars equipped with anti-theft or alarm systems are stolen less frequently and can earn a small discount on your policy.
Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Most only cut specific coverage prices like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way.
The chart below illustrates the difference between Honda Pilot annual premium costs with and without discounts applied. The information is based on a male driver, no accidents, no driving violations, Michigan state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, marriage, multi-policy, and multi-car discounts applied.
For a list of providers who offer auto insurance discounts in Detroit, follow this link.
Car insurance quotes from local Detroit insurance agents
A lot of people just want to talk to an insurance agent and that is recommended in a lot of cases A nice benefit of comparing rates online is the fact that drivers can get better rates and also buy local.
Upon completion of this form (opens in new window), the quote information is submitted to participating agents in Detroit that provide free Detroit car insurance quotes for your insurance coverage. It’s much easier because you don’t need to do any legwork because prices are sent to the email address you provide. You can most likely find cheaper rates without the usual hassles of price shopping. If you wish to get a price quote for a specific company, you would need to go to their quote page and fill out the quote form the provide.
Finding a good insurance company needs to be determined by more than just a low price. These questions are important to ask:
- Will they make sure you get an adequate claim settlement?
- Which companies can they place coverage with?
- How often do they review coverages?
- Do they have cheaper tiers of coverage?
- Does the agency support the community they serve?
- Are they involved in claim handling?
- Can glass claims be handled at your home?
- Do they specialize in personal lines auto insurance in Detroit?
Upon receiving positive responses and locked in a price quote, you have narrowed it down to an insurance company that is professional and can adequately provide car insurance. But remember, consumers can cancel a policy at any time so don’t assume that you’re stuck with any specific agency for the entire policy term.
Cheap insurance premiums are out there
You just read some good ideas how to find lower-cost Honda Pilot insurance in Detroit. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even be surprised to find that the biggest savings come from the smaller companies.
People leave their current company for many reasons like being labeled a high risk driver, questionable increases in premium, policy non-renewal or even denial of a claim. Regardless of your reason, choosing a new insurance company is actually quite simple.
A few companies may not provide the ability to get a quote online and most of the time these small, regional companies only sell coverage through local independent agents. More affordable insurance in Detroit is attainable online and from local insurance agents, so you need to compare both so you have a total pricing picture.
Additional information is available at the links below
- Speed and Speed Limit FAQ (iihs.org)
- How Much is Auto Insurance for a Ford Escape in Detroit? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Toyota Camry in Detroit? (FAQ)
- What Insurance is Cheapest for 19 Year Olds in Detroit? (FAQ)
- How to Avoid Common Accidents (State Farm)
- Collision Insurance Coverage (Nationwide)