Best Cheap Insurance Quotes for a Honda Pilot in Connecticut

The odds of finding affordable auto insurance for a Honda Pilot in Connecticut depends on a complex formula that considers things like when you were born, your credit score, and any prior driving offenses you have. Connecticut drivers pay an average rate of $1,030 every 12 months to insure their Pilot, but that rate is an estimation that uses a 30-year-old married male who purchased full coverage and $250 physical damage deductibles.

Chances are that rate is not what you would pay, because most likely you are not exactly 30 years old and possibly not even male, maybe you are single instead of married, and maybe you want different deductibles. Changing even a minor factor in the factors used to determine rates can precipitate large changes in the price of coverage.

Everone’s needs are different, and this illustrates why your best shot at finding cheap car insurance rates for your Honda is to quote often and with as many companies as possible.

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The specific trim level will most likely have an effect on the insurance rate, so the rate you will pay to insure a Pilot LX 2WD will be $114 lower than the cost to insure the high end Pilot Touring 4WD version, as shown by the rates below.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Connecticut minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Price information does not factor in specific garaging location which can revise coverage prices noticeably.

Locating reasonably-priced car insurance is easier said than done, and deciding which company offers the most affordable auto insurance rates for a Honda Pilot will involve a little more work.

Each company has their own formula to determine premium rates, so let’s rank the auto insurance companies that tend to be cheaper in Connecticut. Keep in mind that Connecticut auto insurance rates are determined by lots of factors which can substantially change the policy price. That is why consumers need to take the time to perform a complete rate comparison when trying to find the lowest car insurance quotes for a Honda Pilot. Rates are made up of many factors and can change without notice, so the cheapest company when you bought your policy may now cost much more than other companies.

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Utica National may offer some of the cheapest car insurance rates in Connecticut at around $1,005 each year. Travelers, USAA, Amica, and Nationwide would also make the list of some of the lowest-priced Connecticut car insurance companies.

As shown in the table above, if you are insured with Amica and switched to Travelers, you may realize an annual savings of about $119. Customers with Nationwide may save as much as $314 a year, and MetLife insureds might reduce rates by $439 a year.

To see if your current coverage is too expensive, click here to start your free quote or visit any of the companies below.

It’s important to note that these policy prices are averaged for all ages of drivers and types of vehicles and do not take into consideration a specific rating modification for a Honda Pilot. So the auto insurance company that fits your situation best may not even be in the chart above. That affirms the importance of why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

Careless drivers pay higher rates

The easiest way to score affordable auto insurance premiums in Connecticut for a Pilot is to drive attentively and not receive tickets or have accidents. The chart below illustrates how traffic citations and at-fault collisions increase insurance prices for each age group. The price estimates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

In the previous chart, the average cost of car insurance per year with no accidents and a clean driving record is $1,266. Factor in one speeding ticket and the average cost surges to $1,478, an increase of $212 each year. Next add two accidents along with the one speeding ticket and the annual cost of auto insurance for a Honda Pilot goes up to an average of $3,482. That’s an increase of $2,216, or $185 per month, just for not keeping your driving record clean!

Find the best cheap insurance for a Honda Pilot in Connecticut

It is possible to find better rates, and here are some penny-pinching ideas that can help Connecticut drivers quote cheap coverage.

• Buy a car with high safety ratings
• Accident-free drivers may qualify for discounts
• Buying car and homeowners insurance together can save money
• If possible, pay for small claims out-of-pocket
• Be a cautious driver
• Compare quotes from other companies often

The last idea is especially valuable, as we noted in the prior information. Auto insurance rates can change considerably based on profitability, so don’t be tentative to change insurance companies if a cheaper price is available. Brand loyalty is great, but it isn’t a good idea if that dedication is costing thousands of dollars over the life of your policy. If you have a few minutes, compare rates to find cheaper auto insurance for a Honda Pilot.

Who has the cheapest Honda Pilot insurance quotes?

Drivers have many ways to comparison shop for auto insurance in Connecticut, but the most prevalent are either through a captive (or exclusive) agency such as Allstate or Auto-Owners, an independent or non-exclusive agent, or direct either online or via phone. Each way has the same basic steps, but each is slightly different in how they provide price quotes.

Independent agencies write business for many companies and can provide price quotes from every one. These types of agents can sell policies from many different companies and can give you more rates, which may provide you with the best idea of how your rates compare. If they quote lower rates, it’s easy for the agent to move the policy and you stay with the same agent.

An exclusive agent is limited to one insurance company, a couple examples are a Liberty Mutual or State Farm agent. They usually cannot provide prices from multiple companies, which requires you to shop around.

If you buy direct, you forego an independent or exclusive agent and instead buy from a direct company like Geico. Shopping direct can be good for families who do not need advice for asset protection and have a decent understanding of how auto insurance works and possible exclusions.

Which method works best for finding the best cheap insurance for a Honda Pilot in Connecticut? The majority of people assume that buying from a direct company saves the most money because you bypass the middleman, but in reality, that is not the case. We’d also like to say going through an independent agent results in the cheapest rates since there are more companies to choose from, but that idea is not necessarily true either. In some circumstances, the exclusive agents have very competitive rates that are the cheapest.

Due to the large number of rating factors, the one way to get rock-bottom rates is to get rate quotes and compare. Experts recommend getting price quotes from all three in order to find the best price. To see some of the cheapest online companies available, click here to view.