Honda Pilot Insurance Quotes in Houston

Are you overwhelmed by the crazy number of insurance companies in your area? Drivers have such a vast assortment of companies available that it is a difficult situation to find better premium rates for Honda Pilot insurance in Houston. Lots of people think Houston is the perfect city to reside in, but the high cost of insurance can make it nearly impossible to buy full coverage.

Insurance rates Honda Pilot in HoustonA recent insurance study revealed that over 70% of drivers have stayed with the same insurance company for over three years, and just short of a majority have never compared quotes from other companies. Houston drivers could save about 70% a year by just comparing quotes, but they don’t want to spend time to save money by comparing rate quotes.

You should make it a habit to quote other rates every six months since insurance prices change quite often. Just because you had the best price on Honda Pilot insurance in Houston a couple years back there may be better deals available now. Block out anything you think you know about insurance because we’re going to show you the fastest and easiest way to properly buy coverages and cut your premium.

If you have coverage now, you stand a good chance to be able to get lower rates using this information. Finding and buying the best policy in Houston is not as hard as you think. Although Texas car owners do need to learn the way insurance companies price online insurance and take advantage of how the system works.

The quickest way to compare policy rates for Honda Pilot insurance in Houston utilizes the fact auto insurance companies participate in online systems to quote your coverage. The one thing you need to do is provide details like if you require a SR-22, whether you are single or married, how your vehicles are used, and whether your vehicle is owned or leased. That rating data is automatically sent to all major companies and you get price estimates instantly to find the best rate.

If you would like to start a quote now, click here and find out if you can get cheaper insurance in Houston.

The providers in the list below provide free rate quotes in Texas. If several companies are displayed, we suggest you visit as many as you can to find the most affordable car insurance rates.

Honda Pilot Insurance Rates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $326 $502 $514 $30 $154 $1,526 $127
Pilot EX 2WD $368 $502 $514 $30 $154 $1,568 $131
Pilot EX 4WD $202 $294 $462 $28 $138 $1,124 $94
Pilot EX-L 2WD $260 $422 $366 $22 $110 $1,180 $98
Pilot EX-L 4WD $246 $368 $392 $24 $118 $1,148 $96
Pilot Touring 2WD $332 $496 $382 $22 $114 $1,346 $112
Pilot Touring 4WD $158 $260 $358 $22 $108 $906 $76
Get Your Own Custom Quote Go

Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Premium amounts do not factor in specific location which can increase or decrease auto insurance rates greatly.

How high should deductibles be?

One common question asked by Houston drivers is how high should the physical damage coverage deductibles be. The comparisons below can help show the rate differences when you buy lower versus higher coverage deductibles. The first rate estimation uses a $100 physical damage coverage deductible and the second price table uses a $1,000 deductible.

Honda Pilot insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $328 $486 $382 $22 $114 $1,357 $113
Pilot EX 2WD $370 $486 $382 $22 $114 $1,399 $117
Pilot EX 4WD $370 $486 $382 $22 $114 $1,399 $117
Pilot EX-L 2WD $370 $592 $382 $22 $114 $1,505 $125
Pilot EX-L 4WD $370 $592 $382 $22 $114 $1,505 $125
Pilot Touring 2WD $370 $592 $382 $22 $114 $1,505 $125
Pilot Touring 4WD $370 $592 $382 $22 $114 $1,505 $125
Get Your Own Custom Quote Go

Honda Pilot insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $182 $256 $382 $22 $114 $956 $80
Pilot EX 2WD $206 $256 $382 $22 $114 $980 $82
Pilot EX 4WD $206 $256 $382 $22 $114 $980 $82
Pilot EX-L 2WD $206 $312 $382 $22 $114 $1,036 $86
Pilot EX-L 4WD $206 $312 $382 $22 $114 $1,036 $86
Pilot Touring 2WD $206 $312 $382 $22 $114 $1,036 $86
Pilot Touring 4WD $206 $312 $382 $22 $114 $1,036 $86
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Price information does not factor in specific garaging location which can change prices greatly.

Based on the above data, using a $100 deductible costs an average of $37 more each month or $444 a year than buying the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 24 months between claims, you would more than likely save some money if you choose the higher deductible.

Cheaper rates by taking advantage of discounts

Insurance is neither fun to buy or cheap, but discounts can save money and there are some available that could drop your premiums quite a bit. A few discounts will be applied when you purchase, but a few must be specifically requested before they will apply.Save money with discounts

It’s important to understand that most discount credits are not given to the entire cost. A few only apply to individual premiums such as medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, you aren’t that lucky. But all discounts will bring down the premium cost.

To view companies offering insurance discounts in Houston, click this link.

Are insurance agencies used anymore?

Many people prefer to get advice from a local agent and that can be a smart move The best thing about comparing rate quotes online is you can get cheap insurance rates and still have a local agent. And supporting local insurance agencies is important particularly in Houston.

Insurance agency in HoustonAfter completing this form (opens in new window), the quote information gets sent to companies in Houston who will give competitive quotes for your insurance coverage. It makes it easy because there is no need to leave your house due to the fact that quote results will go directly to you. You’ll get the best rates without having to waste a lot of time. If you need to get a rate quote from a specific insurance provider, you can always go to their quote page and submit a quote form there.

If you are wanting to find a reliable insurance agency, you should know the types of agencies that you can choose from. Insurance agents are considered either independent agents or exclusive agents.

Independent Insurance Agents (or Brokers)

Independent agents do not work for one specific company so as a result can place your coverage through many companies and get the cheapest rates. If premiums increase, your policy is moved internally and that require little work on your part. When comparing insurance rates, you definitely need to check rates from independent agents to ensure the widest selection of prices. Many write coverage with different regional companies who may have lower rates.

Shown below is a partial list of independent agents in Houston who may be able to give you price quotes.

View more agents

Exclusive Insurance Agencies

Exclusive insurance agents write business for a single company such as American Family, State Farm, and AAA. They usually cannot give you multiple price quotes so always compare other rates. Exclusive agents are well trained on their company’s products which aids in selling service over price. Some consumers prefer to use the same agent mostly because of the brand name rather than low rates.

Below are Houston exclusive insurance agents that can give you price quotes.

View more agents

Picking an auto insurance agent requires more thought than just a cheap price. These are some questions your agent should answer.

Upon getting satisfactory answers to any questions you have as well as an affordable premium quote, chances are good that you have found an insurance agent that is professional and can insure your vehicles. Just keep in mind you are able to cancel a policy whenever you want so don’t think that you are permanently stuck with any particular company for the entire policy term.

What Affects Honda Pilot Insurance Prices?

Smart consumers have a good feel for some of the things that aid in calculating the rates you pay for auto insurance. If you have some idea of what controls the rates you pay, this enables informed choices that may result in much lower annual insurance costs.

More annual miles equals more premium – The more miles you rack up on your Honda in a year’s time the higher your rate. Almost all companies price each vehicle’s coverage based upon how you use the vehicle. Cars that have low annual miles receive better premium rates than vehicles that are driven to work every day. Incorrect rating for your Pilot may be costing you. It’s a smart idea to ensure your vehicle rating reflects the correct usage for each vehicle, because improper ratings can cost you money.

Combine policies and save – Lots of auto insurance companies provide a discount for people who buy several policies from them, otherwise known as a multi-policy discount. Even if you already get this discount, consumers should still compare other company rates to make sure you are getting the best deal.

Raising comp and collision deductibles saves money – Your deductibles state the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. Insurance for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of covered claims could be a windshield broken by a bird, animal collisions, and having a roll-over accident. The more damage repair cost you have to pay, the less money you will pay for auto insurance.

Your stress level may be raising your prices – Did you know your career choice can influence rates? Jobs like judges, social workers and stock brokers have the highest rates because of stressful work requirements and lots of time spent at work. On the flip side, jobs such as professors, historians and retirees get better rates.

Avoid tickets and save – Drivers with clean records get better prices compared to bad drivers. Even one citation may cause rates to rise to the point where it’s not affordable. Drivers who have gotten severe violations like DUI or willful reckless driving are required to submit a SR-22 form with their state’s licensing department in order to keep their license.

Save money by eliminating extra coverages – There are a lot of extra bells and whistles that can add up but may not be useful. Things like rental car reimbursement, towing, and membership fees may be wasting your money. The coverages may be enticing when deciding what coverages you need, but if they’re wasting money remove them from your policy.

The type of car, truck or SUV makes a difference – The type of vehicle you need to insure makes a big difference in the rate you pay. The most favorable rates will generally be found on low performance passenger models, but the cost you end up paying is determined by many additional factors. Since the Honda Pilot is considered a standard SUV, insurance will be slightly more as compared to the average rate in Houston.

Costs for males may be higher – Over time, data shows women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Males and females get in at-fault accidents in similar numbers, but the men have accidents that have higher claims. Men also tend to get cited for more serious violations such as DWI and reckless driving.

Insurance loss data for Honda Pilot vehicles – Auto insurance companies include the past claim trends for vehicles when determining insurance costs. Models that the statistics show to have a trend towards higher claim severity or frequency will cost more for coverage. The table below demonstrates the actual insurance loss data for Honda Pilot vehicles.

For each policy coverage type, the claim amount for all vehicles, as an average, equals 100. Values under 100 imply a favorable loss record, while numbers above 100 indicate higher probability of having a loss or an increased likelihood of larger losses.

Insurance Loss Ratings for Honda Pilot Vehicles

Make and 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

Three good reasons to insure your Honda vehicle

Despite the fact that auto insurance is not cheap in Houston, auto insurance is required for several reasons.

The benefits of having auto insurance more than cancel out the cost, specifically if you ever have a liability claim. As of last year, the average driver in Texas overpays more than $825 a year so compare rate quotes at every renewal to ensure rates are competitive.

A conclusion for your insurance search

As you restructure your insurance plan, it’s a bad idea to skimp on coverage in order to save money. In too many instances, drivers have reduced uninsured motorist or liability limits only to discover later that they should have had better coverage. The goal is to buy enough coverage at a price you can afford and still be able to protect your assets.

People who switch companies do it for a variety of reasons including delays in paying claims, policy cancellation, being labeled a high risk driver or even not issuing a premium refund. No matter why you want to switch, choosing a new insurance company can be less work than you think.

Low-cost Honda Pilot insurance in Houston can be purchased on the web and with local Houston insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance companies do not provide rate quotes online and usually these regional insurance providers provide coverage only through independent insurance agents.

Additional articles