Honda Pilot Insurance Quotes in Stockton

Honda Pilot insurance image courtesy of QuoteInspector.com

Inconceivable but true, the vast majority of drivers have purchased from the same company for at least four years, and virtually 40% of consumers have never even compared rates from other companies. With the average car insurance premium being $1,400, Stockton drivers can save hundreds of dollars each year by just comparing rate quotes, but they just feel it's too hard to shop around.

It takes a little time, but the best way to get cheaper car insurance rates in Stockton is to compare prices annually from different companies that insure vehicles in California. This can be done by following these steps.

Step 1: Try to learn about coverages and the measures you can take to prevent expensive coverage. Many rating factors that cause high rates such as speeding and an imperfect credit history can be rectified by making minor changes to your lifestyle. This article gives the details to get affordable coverage and get discounts that may be overlooked.

Step 2: Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from a single company like Progressive or State Farm, while independent agents can quote prices from multiple sources.

Step 3: Compare the new rates to your existing policy and see if you can save money. If you can save money, verify that coverage does not lapse between policies.

A good tip to remember is to make sure you're comparing similar limits and deductibles on every quote and and to get quotes from as many different insurance providers as possible. Doing this enables a level playing field and many rates to choose from.

Finding cheap car insurance rates doesn't have to be difficult. The only thing you need to do is take time comparing price quotes online from several insurance companies.

Getting free rate quotes online is quite simple, and it takes the place of having to spend time driving to all the different insurance agencies. Buying insurance online has reduced the need for local agents unless you want the personal advice of a local agency. You can, however, comparison shop your insurance online but still have the advice of a local agent.

The companies shown below provide price comparisons in California. If several companies are displayed, we suggest you visit two to three different companies to get the lowest price.

Affordable rates with discounts

Insuring your fleet can be pricey, but you can get discounts to cut the cost considerably. Some discounts apply automatically at quote time, but some must be specially asked for before being credited. If you do not check that you are getting every discount you qualify for, it's possible you qualify for a lower rate.

• Military Rewards - Being on active deployment in the military may qualify for rate reductions.
• Senior Citizens - Mature drivers can get a discount up to 10%.
• Accident Forgiveness Coverage - This one isn't a discount, but companies like State Farm and Allstate allow you one accident without the usual rate increase so long as you haven't had any claims for a certain period of time.
• Save with a New Car - Adding a new car to your policy may earn a small discount because newer models are generally safer.
• Good Driver Discount - Safe drivers can save up to 40% or more on their Stockton auto insurance quote than less cautious drivers.
• Driving Data Discount - Drivers who elect to allow data collection to track vehicle usage by using a telematics device in their vehicle like Allstate's Drivewise may see discounts if they have good driving habits.
• Early Payment Discounts - By making one initial payment rather than spreading payments over time you can actually save on your bill.

Just know that most credits do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like you can get free auto insurance, insurance companies aren't that generous.

The information below shows the comparison of Honda Pilot auto insurance rates with and without discounts applied to the policy premium. The rates are based on a female driver, no violations or claims, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, safe-driver, multi-car, and claim-free discounts applied.

A few of the larger companies and a partial list of their discounts are included below.

• State Farm may include discounts for driver's education, Drive Safe & Save, student away at school, good driver, Steer Clear safe driver discount, and accident-free.
• Progressive has discounts for online quote discount, good student, multi-vehicle, online signing, and multi-policy.
• Travelers includes discounts for multi-policy, good student, student away at school, payment discounts, new car, and IntelliDrive.
• American Family discounts include good driver, defensive driver, good student, accident-free, and TimeAway discount.
• Liberty Mutual offers discounts including new graduate, multi-car, multi-policy, teen driver discount, and preferred payment discount.

It's a good idea to ask each insurance company which discounts can lower your rates. A few discounts might not be offered on policies in Stockton. To find insurers with discount insurance rates in California, follow this link.

Coverage analysis

The premium table shown below covers estimates of coverage costs for Honda Pilot models. Having a good understanding how auto insurance policy rates are calculated is important to be able to make smart choices when buying a car insurance policy.

Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Information does not factor in specific garaging location which can affect rates significantly.

The diagram below illustrates how your choice of deductibles and can impact Honda Pilot annual premium costs for different age groups. The premiums assume a married male driver, comp and collision included, and no discounts are applied to the premium.

How careless driving impacts Stockton auto insurance rates

The example below demonstrates how traffic citations and at-fault claims can drive up Honda Pilot insurance costs for different insured age categories. The rate quotes are based on a single female driver, full coverage, $250 deductibles, and no discounts are factored in.

Should you buy full coverage?

The chart below shows the comparison of Honda Pilot yearly insurance costs with and without physical damage coverage. The premiums assume no claims or driving citations, $1,000 deductibles, single status, and no discounts are applied.

Should you buy full coverage or liability only?

There is no exact rule of when to drop physical damage insurance, but there is a guideline you can consider. If the yearly cost of full coverage is 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let's assume your Honda Pilot settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $6,000 after paying your policy deductible. If you are currently paying more than $600 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are a few cases where eliminating full coverage is not in your best interest. If you still owe a portion of the original loan, you have to carry full coverage to protect the lienholder's interest. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage in place.

How You Can Control Honda Pilot Insurance Prices

When buying auto insurance it's important to understand some of the elements that go into determining your policy premiums. If you have a feel for what controls the rates you pay, this helps enable you to make changes that can help you get lower rates.

The items below are a few of the things companies use to determine your rate level.

• Save by driving safer vehicles - Cars with five star safety ratings get lower rates. These vehicles reduce the chance of injuries and lower injury rates means less claims paid and more competitive rates for policyholders. If your Honda Pilot scored better than four stars on Safercar.gov it is probably cheaper to insure.
• Marriage can lower prices - Getting married actually saves money when buying auto insurance. Having a significant other may mean you are more mature than a single person it has been statistically shown that being married results in fewer claims.

• Premiums drop with age - Older people have been proven to be more responsible, tend to file fewer claims, and are safer drivers. Youthful drivers tend to be inattentive and easily distracted when driving with friends so they pay higher auto insurance rates.

  The chart below is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.
• Lower rates with a multi-policy discount - Lots of companies afford a discount to customers that have more than one policy. It's known as a multi-policy discount. The amount of the discounts can be ten percent or more. Even if you qualify for this discount already, you still need to check prices from other companies to make sure you are getting the best deal.

• Insurance losses for a Honda Pilot - Insurers use claims history to help determine rates. Vehicles that the data determines to have increased losses will have increased rates. The table shown below demonstrates the loss history for Honda Pilot vehicles.

  For each coverage category, the claim amount for all vehicles, without regard to make or model, is set at 100. Values that are 100 or less mean the vehicle has better than average losses, while numbers that are greater than 100 indicate frequent claims or an increased chance of larger losses than average.

  Honda Pilot Insurance Loss Statistics

  Vehicle 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

  BETTER

  AVERAGE

  WORSE

  Statistics from IIHS.org for 2013-2015 Model Years