Getting lower priced Philadelphia Honda Pilot insurance quotes may seem to be difficult for consumers new to comparing prices on the web. With a ridiculous number of companies in the marketplace, how can consumers possibly compare all the different companies and get the lowest price?
It’s safe to conclude that insurance companies don’t want you comparing rates. Consumers who shop around for the cheapest rate are inclined to buy a new policy because of the good chance of finding better rates. A study discovered that people who made a habit of comparing rate quotes saved approximately $3,450 over four years as compared to drivers who don’t regularly compare prices.
If finding the lowest price for insurance is why you’re here, then having some knowledge of how to shop for insurance coverage can save time and money.
It’s important to price shop coverage quite often because insurance rates change frequently. If you had the best deal on Honda Pilot insurance in Philadelphia a couple years back a different company probably has better prices today. Block out anything you think you know about car insurance because you’re going to learn the easiest way to properly buy coverages and cut your premium.
Cheap Honda insurance prices in Philadelphia
The following companies can provide free quotes in Philadelphia, PA. If several companies are displayed, we suggest you compare several of them to get a more complete price comparison.
Rate information and statistics
The coverage table shown next highlights estimates of insurance coverage prices for Honda Pilot models. Learning how insurance premiums are determined can help customers make smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Pilot LX 2WD | $178 | $292 | $372 | $22 | $112 | $976 | $81 |
| Pilot EX 2WD | $200 | $292 | $372 | $22 | $112 | $998 | $83 |
| Pilot EX 4WD | $200 | $292 | $372 | $22 | $112 | $998 | $83 |
| Pilot EX-L 2WD | $200 | $356 | $372 | $22 | $112 | $1,062 | $89 |
| Pilot EX-L 4WD | $200 | $356 | $372 | $22 | $112 | $1,062 | $89 |
| Pilot Touring 2WD | $200 | $356 | $372 | $22 | $112 | $1,062 | $89 |
| Pilot Touring 4WD | $200 | $356 | $372 | $22 | $112 | $1,062 | $89 |
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Information does not factor in specific location which can increase or decrease auto insurance rates greatly.
The diagram below demonstrates how choosing different deductibles and can raise or lower Honda Pilot annual premium costs for each age group. The price estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Accidents and violations increase rates
The example below illustrates how speeding tickets and accidents raise Honda Pilot insurance rates for different ages of insureds. The price estimates are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.
Cheaper Honda Pilot insurance rates in Philadelphia
Some companies don’t necessarily list all discounts in an easy-to-find place, so we researched a few of the more well known and also the lesser-known discounts that may be available.
- Home Ownership Discount – Simply owning a home can help you save on auto insurance because it means you have a higher level of financial diligence.
- Government Employees – Active or retired federal employment could cut as much as 10% off depending on your company.
- Discounts for New Vehicles – Insuring a new Pilot can save you some money due to better safety requirements for newer vehicles.
- Telematics Data – Insureds that choose to allow driving data collection to monitor driving patterns by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks as long as they are good drivers.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
As a disclaimer on discounts, some credits don’t apply to your bottom line cost. A few only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, companies wouldn’t make money that way.
The diagram below compares Honda Pilot auto insurance rates with and without policy discounts. The premiums assume a male driver, no claims or driving violations, Pennsylvania 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 safe-driver, homeowner, multi-car, marriage, multi-policy, and claim-free discounts applied.
Larger auto insurance companies and their possible discounts can be found below.
- GEICO offers discounts for anti-lock brakes, good student, daytime running lights, multi-policy, driver training, and federal employee.
- SAFECO may offer discounts for accident prevention training, teen safety rewards, homeowner, bundle discounts, multi-car, and anti-lock brakes.
- State Farm discounts include Drive Safe & Save, student away at school, passive restraint, multiple autos, and anti-theft.
- MetLife may have discounts that include good student, claim-free, defensive driver, multi-policy, accident-free, good driver
- 21st Century offers premium reductions for defensive driver, good student, teen driver, homeowners, and early bird.
- Progressive has savings for online signing, good student, multi-policy, online quote discount, multi-vehicle, and continuous coverage.
If you are trying to find cheaper Philadelphia car insurance quotes, ask each company which discounts they offer. Savings may not apply to policyholders everywhere. To find companies with the best Honda Pilot insurance discounts in Philadelphia, follow this link.
Local agents and auto insurance
A small number of people just want to go talk to an agent. A good thing about price shopping on the web is you can get better rates and still buy from a local agent.
To find an agent, once you fill out this simple form, your coverage information is sent to companies in Philadelphia who will return price quotes for your insurance coverage. You don’t have to leave your house since rate quotes are delivered to you directly. You can get cheaper auto insurance rates without a big time investment. If you want to compare rates from a specific company, just jump over to their website to submit a rate quote request.
Finding the right company should include more criteria than just a cheap price quote. A good agent in Philadelphia will have answers to these questions.
- What is the financial rating for the quoted company?
- Will high miles depreciate repair valuations?
- Who are their largest clients?
- Which companies can they place coverage with?
- When do they do policy reviews?
- What is their Better Business Bureau rating?
Choose an insurance agent wisely
When looking for a reputable insurance agent or broker, there are two types of agencies and how they work. Agencies in Philadelphia are considered either independent agents or exclusive agents.
Exclusive Insurance Agencies
Exclusive insurance agents can only quote rates from one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. They are unable to place coverage with different providers so you need to shop around if the rates are high. Exclusive insurance agents are usually quite knowledgeable on their company’s products which helps them sell insurance even at higher premiums. Drivers often buy from the same agent for years mainly due to loyalty to the company rather than having the cheapest rates.
Below are exclusive insurance agents in Philadelphia who may provide you with comparison quotes.
- Mike Hickey – State Farm Insurance Agent
86 Bethlehem Pike – Philadelphia, PA 19118 – (215) 753-1501 – View Map - Steven Breinlinger – State Farm Insurance Agent
7904 Germantown Ave – Philadelphia, PA 19118 – (267) 323-2923 – View Map - Dave Penning – State Farm Insurance Agent
2962 Robbins Ave – Philadelphia, PA 19149 – (215) 537-8050 – View Map
Independent Insurance Agents
Agents that elect to be independent do not write with just one company so they can write business amongst many companies enabling the ability to shop coverage around. If your agent finds better pricing, your agent can switch companies and you won’t have to switch agencies. If you need lower rates, you will want to get quotes from at a minimum one independent agency to get the best comparison. They often place coverage with less well-known companies that may provide cheaper auto insurance rates.
Listed below are independent agents in Philadelphia who can help you get rate quotes.
- Crossing Insurance Group
4252 Richmond St – Philadelphia, PA 19137 – (215) 321-4990 – View Map - McCollum Insurance Agency
4169 Main St – Philadelphia, PA 19127 – (215) 508-9000 – View Map - HandM Insurance Agency
5829 Rising Sun Ave – Philadelphia, PA 19120 – (215) 745-8001 – View Map
Auto insurance coverage basics
Having a good grasp of your auto insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.
Comprehensive coverages
Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like hail damage, damage from a tornado or hurricane, hitting a deer and hitting a bird. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Liability insurance
This coverage provides protection from damage or injury you incur to other people or property. 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 limits of 15/30/5 that means you have $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $5,000.
Liability coverage pays for claims like attorney fees, bail bonds, legal defense fees and loss of income. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford. Pennsylvania requires drivers to carry at least 15/30/5 but you should think about purchasing more liability than the minimum.
The chart below shows why the minimum limit may not be adequate.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Honda Pilot.
Since many Pennsylvania drivers carry very low liability coverage limits (15/30/5), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Collision insurance
Collision coverage covers damage to your Pilot resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers claims like crashing into a ditch, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible on your Pilot in order to get cheaper collision rates.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance kick in for bills for things like X-ray expenses, ambulance fees, doctor visits, nursing services and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
One last thing about your coverage
There are still a few companies who may not have online price quotes and most of the time these smaller companies only sell coverage through independent agencies. The cheapest Honda Pilot insurance in Philadelphia is attainable from both online companies in addition to many Philadelphia insurance agents, and you should be comparing both to have the best selection.
Insureds who switch companies do it for many reasons like policy cancellation, an unsatisfactory settlement offer, questionable increases in premium and even being labeled a high risk driver. It doesn’t matter what your reason, finding the right car insurance provider can be pretty painless.
When shopping online for car insurance, it’s not a good idea to skimp on coverage in order to save money. Too many times, someone dropped uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage at an affordable rate, but don’t skip important coverages to save money.
For more information, feel free to browse the resources below:
- Property Damage Coverage (Liberty Mutual)
- Who Has Affordable Car Insurance for Business Use in Philadelphia? (FAQ)
- What Auto Insurance is Cheapest for Young Drivers in Philadelphia? (FAQ)
- Who Has the Cheapest Auto Insurance for Welfare Recipients in Philadelphia? (FAQ)
- Rollover Crash FAQ (iihs.org)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Vehicle Safety Ratings (iihs.org)