Compare Honda Pilot Insurance Rates in Fort Wayne

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Honda Pilot insurance rates
Honda Pilot insurance rates image courtesy of QuoteInspector.com

Insurance rates Honda Pilot in Fort WayneIf your goal is the lowest price, then the best way to get the cheapest Honda Pilot insurance is to start comparing prices regularly from different companies who can sell car insurance in Fort Wayne.

  1. Read and learn about how your policy works and the steps you can take to prevent high rates. Many things that increase rates such as your driving record and a less-than-favorable credit history can be eliminated by making lifestyle changes or driving safer.
  2. Obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like GEICO or State Farm, while agents who are independent can provide rate quotes from multiple companies.
  3. Compare the new quotes to your current policy and determine if cheaper Pilot coverage is available in Fort Wayne. If you can save some money and make a switch, make sure there is no coverage gap between policies.

The most important part of this process is to use identical limits and deductibles on each quote request and and to look at as many different insurance providers as possible. Doing this helps ensure a fair rate comparison and a thorough price selection.

Amazingly, a recent NerdWallet.com study showed that over 70% of consumers kept buying from the same company for over three years, and practically 40% of car insurance customers have never compared rates from other carriers. With the average car insurance premium being $1,847, American drivers can save almost 47% each year by just comparing quotes, but they mistakenly think it's difficult to compare rates.

If you currently have insurance, you will definitely be able to lower your rates using the ideas presented in this article. The purpose of this post is to familiarize you with how auto insurance companies operate and some tricks to saving. Although Indiana vehicle owners need to have an understanding of how the larger insurance companies sell online and use it to your advantage.

Just remember that more quotes will increase your chances of finding a lower rate. Some insurance companies are not set up to provide rate quotes online, so it's important to also get rates on coverage from those companies, too.

The companies shown below can provide price comparisons in Indiana. To buy cheap auto insurance in IN, it's highly recommended you visit two to three different companies in order to get a fair rate comparison.

Fort Wayne insurance discounts for a Honda Pilot

Car insurance companies don't always advertise every possible discount very clearly, so the list below details some of the more common and the harder-to-find credits available to bring down your rates. If they aren't giving you every credit possible, you may be paying too high a price.Cheaper auto insurance with discounts

  • Senior Citizen Rates - Mature drivers can get a small discount on rates.
  • Military Deployment Discount - Being on active deployment in the military may qualify for rate reductions.
  • Multi-car Discount - Having primary and secondary vehicles on one policy qualifies for this discount.
  • Discounts for Seat Belt Usage - Drivers who require all occupants to use a seat belt may be able to save a few bucks on medical payment and PIP coverage.
  • ABS Braking Discount - Cars, trucks, and SUVs equipped with ABS or steering control have fewer accidents and will save you 10% or more on Pilot insurance in Fort Wayne.
  • Discount for Good Grades - A discount for being a good student may save as much as 25% on a Fort Wayne car insurance quote. This discount can apply up until you turn 25.
  • Savings for New Vehicles - Insuring a vehicle that is new can cost up to 25% less since newer models are generally safer.
  • Memberships - Affiliation with a qualifying organization could earn you a nice discount on your bill.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as comprehensive or collision. Even though it appears adding up those discounts means a free policy, that's just not realistic. Any qualifying discounts will definitely lower the amount you pay for coverage.

The example below shows the comparison of Honda Pilot insurance prices with and without discounts applied to the premium. The premium estimates are based on a male driver, no violations or accidents, Indiana state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, marriage, homeowner, safe-driver, and claim-free discounts applied.

Companies and the discounts they provide are shown below.

  • State Farm policyholders can earn discounts including passive restraint, accident-free, good driver, anti-theft, and multiple policy.
  • Farmers Insurance may offer discounts for multi-car, early shopping, switch companies, alternative fuel, distant student, homeowner, and mature driver.
  • Progressive offers discounts including multi-vehicle, multi-policy, online signing, continuous coverage, homeowner, online quote discount, and good student.
  • GEICO discounts include five-year accident-free, daytime running lights, good student, driver training, and multi-vehicle.
  • Auto-Owners Insurance offers discounts for safe vehicle, air bags, paid in full, multi-policy, and anti-theft.
  • The Hartford offers premium reductions for bundle, vehicle fuel type, air bag, good student, anti-theft, defensive driver, and driver training.
  • Farm Bureau may have discounts that include safe driver, multi-policy, renewal discount, driver training, good student, and youthful driver.
  • USAA has discounts for family discount, defensive driver, good student, safe driver, vehicle storage, multi-vehicle, and new vehicle.

When comparing rates, check with every prospective company which discounts you may be entitled to. Some discounts listed above might not apply in every state. To locate auto insurance companies that offer discounts in Indiana, click here.

Coverage analysis

The coverage information shown next showcases estimates of coverage costs for Honda Pilot models. Knowing how insurance quotes are determined is important for drivers to make decisions when shopping around.

Honda Pilot Insurance Rates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $220 $330 $290 $18 $86 $944 $79
Pilot EX 2WD $248 $330 $290 $18 $86 $972 $81
Pilot EX 4WD $248 $330 $290 $18 $86 $972 $81
Pilot EX-L 2WD $248 $402 $290 $18 $86 $1,044 $87
Pilot EX-L 4WD $248 $402 $290 $18 $86 $1,044 $87
Pilot Touring 2WD $248 $402 $290 $18 $86 $1,044 $87
Pilot Touring 4WD $248 $402 $290 $18 $86 $1,044 $87
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Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Information does not factor in specific location which can increase or decrease price quotes substantially.

Rate comparison for different deductibles

When buying insurance, a common question is which comprehensive and collision deductibles to buy. The following tables determine how much more you'll pay when you buy lower versus higher policy deductibles. The first price estimate table uses a $100 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Honda Pilot insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $242 $358 $280 $16 $84 $1,005 $84
Pilot EX 2WD $272 $358 $280 $16 $84 $1,035 $86
Pilot EX 4WD $272 $358 $280 $16 $84 $1,035 $86
Pilot EX-L 2WD $272 $436 $280 $16 $84 $1,113 $93
Pilot EX-L 4WD $272 $436 $280 $16 $84 $1,113 $93
Pilot Touring 2WD $272 $436 $280 $16 $84 $1,113 $93
Pilot Touring 4WD $272 $436 $280 $16 $84 $1,113 $93
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Honda Pilot insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $134 $188 $280 $16 $84 $702 $59
Pilot EX 2WD $152 $188 $280 $16 $84 $720 $60
Pilot EX 4WD $152 $188 $280 $16 $84 $720 $60
Pilot EX-L 2WD $152 $230 $280 $16 $84 $762 $64
Pilot EX-L 4WD $152 $230 $280 $16 $84 $762 $64
Pilot Touring 2WD $152 $230 $280 $16 $84 $762 $64
Pilot Touring 4WD $152 $230 $280 $16 $84 $762 $64
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Prices do not factor in specific location information which can influence price quotes considerably.

Based on the data above, we can derive that using a $100 deductible will cost you roughly $28 more each month or $336 annually than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 32 months between claim filings, you would probably be better off if you choose a higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $100 deductibles: $90
Average monthly premium for $1,000 deductibles (subtract): - $62
Monthly savings from raising deductible: $28
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 32 months

One thing to be aware of is that higher deductibles results in a higher out-of-pocket expense at claim time. That will require enough savings in the event you need to pay the deductible.

Accidents and violations increase rates

The example below illustrates how violations and at-fault fender-benders can affect Honda Pilot auto insurance costs for different age groups. The rate quotes are based on a single female driver, full coverage, $250 deductibles, and no other discounts are factored in.

Honda Pilot insurance costs by gender and age

The diagram below shows the difference between Honda Pilot car insurance rates for male and female drivers. The price estimates are based on a clean driving record, no at-fault accidents, full physical damage coverage, $100 deductibles, marital status is single, and no discounts are applied.

Full coverage or liability only

The example below visualizes the comparison of Honda Pilot car insurance rates with and without physical damage coverage. Data assumes no violations or claims, $500 deductibles, marital status is single, and no discounts are applied.

Guidelines for eliminating full coverage

There is no specific rule for excluding full coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let's assume your Honda Pilot settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $5,000 after the deductible is paid. If it's costing in excess of $500 a year for comprehensive and collision coverage, then you might consider buying liability only.

There are some cases where removing full coverage is not in your best interest. If you haven't paid off your loan, you have to maintain full coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should not remove full coverage.

Neighborhood Fort Wayne auto insurance agents

Certain consumers just want to visit with an insurance agent and that is OK! One of the best bonuses of comparing auto insurance online is you may find the best rates but also keep your business local.

Insurance agents in Fort WayneUpon completion of this quick form, the quote information is immediately sent to local insurance agents in Fort Wayne who will give you bids to get your business. It's much easier because you don't need to even leave your home because prices are sent directly to your email. You can find better rates and an insurance agent to talk to. If you want to quote rates from one company in particular, you can always visit that company's website to submit a rate quote request.

Selecting an company is decision based upon more than just the price. Here are some questions you might want to ask.

  • Which companies do they recommend if they are an independent agency?
  • Which insurance companies are they affiliated with?
  • How experienced are they in personal risk management?
  • Can they give you a list of client referrals?
  • Is every driver in your family covered?
  • What insurance company do they write the most business with?
  • How long has the business existed?

After receiving answers to your satisfaction to any questions you may have and locked in a price quote, you have narrowed it down to an provider that can insure your vehicles.

Insurance agents can help

Always keep in mind that when comparing insurance from an agent or online, there isn't really a cookie cutter policy. Your needs are not the same as everyone else's and a cookie cutter policy won't apply.Drive safe and save Here are some questions about coverages that may help highlight whether you would benefit from professional advice.

  • Am I covered if I break a side mirror?
  • How much underlying liability do I need for an umbrella policy?
  • Should I buy only the required Indiana minimum liability coverage?
  • Is my teen driver covered when they drive my company car?
  • Do I have coverage when making deliveries for my home business?
  • Is other people's property covered if stolen from my vehicle?
  • Should I buy additional glass protection?
  • Are my custom wheels covered?
  • Do I have ACV or replacement cost coverage?

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Why do I need car insurance?

Despite the fact that auto insurance is not cheap in Fort Wayne, paying for auto insurance may be required for several reasons.

First, almost all states have mandatory insurance requirements which means state laws require a minimum amount of liability insurance in order to get the vehicle licensed. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a lien on your vehicle, almost all lenders will make it mandatory that you buy insurance to protect their interest in the vehicle. If you do not keep the policy in force, the lender will be forced to insure your Honda at an extremely high rate and force you to reimburse them for the expensive policy.

Third, insurance safeguards your car and your assets. It will also pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also covers legal expenses if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, your auto insurance policy will cover the repair costs.

The benefits of carrying enough insurance definitely exceed the price paid, especially if you ever need it. Unknowingly, the average driver is wasting up to $855 a year so smart consumers compare quotes at least once a year to help ensure money is not being wasted.

Insurance policy coverages for a Honda Pilot

Knowing the specifics of insurance can help you determine appropriate coverage for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages available from insurance companies.

Auto liability insurance - Liability insurance protects you from damage or injury you incur to other people or property in an accident. It protects you from claims by other people, and doesn't cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/10 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $10,000 of coverage for damaged property.

Liability can pay for claims like attorney fees, medical expenses, funeral expenses, court costs and loss of income. The amount of liability coverage you purchase is up to you, but it's cheap coverage so purchase as large an amount as possible. Indiana state minimum liability requirements are 25/50/10 but drivers should carry higher limits.

The illustration below shows why low liability limits may not be enough.

Uninsured or underinsured coverage - This provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Honda Pilot.

Due to the fact that many Indiana drivers only carry the minimum required liability limits (which is 25/50/10), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive protection - Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, damage from getting keyed and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for pain medications, surgery, doctor visits and EMT expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage - This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as sideswiping another vehicle, crashing into a ditch, scraping a guard rail, colliding with a tree and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also raise the deductible on your Pilot to save money on collision insurance.

What is YOUR best insurance company?

As you shop your coverage around, it's very important that you do not sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced physical damage coverage to discover at claim time they didn't have enough coverage. The aim is to buy a smart amount of coverage for the lowest price, but don't skip important coverages to save money.

Cheaper auto insurance in Fort Wayne is available online in addition to local insurance agencies, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies do not provide rate quotes online and these smaller providers only sell coverage through local independent agents.

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