Locating cheaper insurance for your Honda Pilot in Texas can normally be a painful process, but you can follow a few tricks to find lower rates. There is a right way and a wrong way to compare auto insurance rates so you’re going to learn the absolute fastest way to quote coverages for a new or used Honda and find the lowest price.
It’s a good habit to get comparison quotes occasionally because auto insurance prices are usually higher with each renewal. If you had the best deal on Pilot insurance a few years ago you may be paying too much now. Block out anything you think you know about auto insurance because it’s time to teach you the best methods to lower your annual insurance bill.
Choosing the best insurance company for you in Dallas is not that difficult. If you are insured now or need a new policy, you can follow these tips to find better prices while maximizing coverage. Texas drivers only need an understanding of the tricks to compare price quotes over the internet.
Cutting your Dallas auto insurance rates is actually easier than you may think. The only thing you need to do is spend a few minutes on the computer to get quotes provided by online insurance companies. This can be done using one of these methods.
Without a doubt, the easiest way to find low rates would be an industry-wide quote request form (click to open form in new window). This style of form keeps you from doing repetitive form submissions for every auto insurance company. Completing one form gets insurance cost estimates from auto insurance companies with the best prices.It’s the quickest way to get rates.
A more time consuming way to find better pricing is to manually visit each individual company website to complete their respective quote request forms. For examples sake, we’ll assume you want comparison quotes from Allstate, GEICO and GMAC. To do that, you would have to spend time on each company’s site to input your insurance information, which is why most consumers use the first method.
For a list of links to companies insuring cars in Dallas, click here.
How you compare quotes is your choice, just try to use exactly the same coverage limits for each quote you get. If you are comparing different limits and deductibles on each one you can’t possibly get a fair rate comparison in Dallas.
Are auto insurance companies telling the truth?
Texas consumers can’t escape the ads for auto insurance savings by companies like GEICO, State Farm and Progressive. They all seem to convey the message about saving some big amount if you move your auto insurance coverage to their company.
How does each company charge lower premium rates? You have to listen carefully.
Most companies give the cheapest rates for the type of insured that will add to their bottom line. One example of a desirable risk might have to be over the age of 45, has no claims, and drives newer vehicles. Any driver that hits that “sweet spot” will get the preferred car insurance rates and will most likely save when switching.
Potential insureds who do not meet this ideal profile will be charged higher rates with the end result being the customer buying from someone else. The trick is to say “customers that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That is how companies can state the savings. This illustrates why you really should get as many as possible. Because you never know with any certainty which company will fit your personal profile best.
Earn discounts to get lower-cost Dallas auto insurance rates
Some insurance providers don’t always advertise every discount they offer very clearly, so the following list contains some of the best known and also the lesser-known discounts that may be available.
- Multiple Vehicles – Insuring primary and secondary vehicles with the same company could earn a price break for each car.
- Lower Rates for Military – Having an actively deployed family member may qualify for rate reductions.
- Discount for Multiple Policies – If you insure your home and vehicles with one insurance company you could save at least 10% off all policies.
- Claim Free – Drivers who don’t have accidents get the best auto insurance rates when compared to drivers with a long claim history.
- No Charge for an Accident – This one isn’t a discount, but companies like Allstate and GEICO will allow you to have one accident before hitting you with a surcharge if your claims history is clear before the accident.
- Good Student – Excelling in school can save 20 to 25%. This discount can apply well after school through age 25.
- Anti-theft System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and therefore earn up to a 10% discount.
- Air Bags and Passive Restraints – Factory air bags and/or automatic seat belt systems may qualify for discounts of up to 25% or more.
Keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though you would think adding up those discounts means a free policy, nobody gets a free ride.
To choose providers with significant discounts in Dallas, click here.
Tailor your auto insurance coverage to you
When it comes to buying proper insurance coverage, there really is no cookie cutter policy. Every insured’s situation is different.
Here are some questions about coverages that might point out if your insurance needs will benefit from professional help.
- Are rental cars covered under my policy?
- When should my teen driver be added to my policy?
- Do I need medical payments coverage since I have good health insurance?
- Does my policy pay for OEM or aftermarket parts?
- Are my friends covered when driving my Honda Pilot?
- Should I rate my Honda Pilot as pleasure use or commute?
- Do I have coverage when making deliveries for my home business?
If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.
Car insurance coverages for a Honda Pilot
Understanding the coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance pay for immediate expenses such as pain medications, ambulance fees, hospital visits, doctor visits and rehabilitation expenses. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law (which is 30/60/25), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.
Auto collision coverage
This pays for damage to your Pilot resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims such as hitting a mailbox, scraping a guard rail, sideswiping another vehicle, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.
Comprehensive insurance
Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as vandalism, damage from flooding, damage from a tornado or hurricane, a broken windshield and rock chips in glass. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Liability coverages
This provides protection from damage that occurs to a person or their property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.
Liability insurance covers things like medical services, structural damage and attorney fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford. Texas requires minimum liability limits of 30,000/60,000/25,000 but you should think about purchasing better liability coverage.
Auto insurance savings summarized
People switch companies for any number of reasons including unfair underwriting practices, questionable increases in premium, high rates after DUI convictions and being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new company is actually quite simple.
Budget-conscious Honda Pilot insurance is definitely available on the web and from local agencies, and you need to comparison shop both to have the best selection. Some insurance companies do not offer internet price quotes and usually these small, regional companies provide coverage only through independent agents.
You just read some good ideas how you can save on Honda Pilot insurance. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your premium rates. You may be surprised to find that the biggest savings come from an unexpected company.
Consumer auto insurance information in Texas
Additional detailed information can be read at the Texas Department of Insurance website. Texas drivers can view agent and company licensing information, learn about insurance regulations, and file complaints about an insurance agent or broker.
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