Cheap Insurance for a Honda Pilot in Rhode Island

Whenever people write about car insurance, the word affordable should never appear anywhere in the article to describe car insurance prices. It’s a simple fact that cheap auto insurance for a Honda Pilot can be extremely hard to find. Don’t let that get you down, though, because there may be ways you can find insurance that is easy on your budget.

Buying the cheapest coverage for a Honda Pilot in Rhode Island depends on a complex equation that considers factors such as if you rent or own your home, your profession, and any prior driving citations you have received. Drivers in Rhode Island will pay on average $1,110 annually to insure a Honda Pilot, but that rate is an estimation based on rates for a 40-year-old single female driver who purchased comprehensive and collision coverage and $1,000 policy deductibles.

More than likely, you are not 40 years old and maybe not even female, possibly married instead of single, or maybe you don’t qualify for the same discounts. Just a slight difference in the factors used in pricing a policy can result in a massive change in the cost of a policy.

The different assumptions illustrate why the only real way to find cheap insurance prices for your Honda is to compare as many rates as you can.

Cheapest Honda Pilot Insurance Rates

Vehicle trim level will have an impact the coverage cost, so the cost to insure a Pilot LX 2WD will be $92 less than the price to insure the high end Pilot Touring 4WD trim level, as shown in the table below.

Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Rhode Island minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can change prices substantially.

Figuring out which companies quote the cheapest auto insurance rates for a Honda Pilot will take a little more work in order to find coverage that fits your buget. Each auto insurer has a proprietary method for setting rates, so we need to take a look at the auto insurance companies that tend to have lower prices in Rhode Island.

It’s important to know that Rhode Island auto insurance rates are impacted by many things which can significantly increase or decrease the policy premium. Turning one year older, buying a different vehicle, or getting a ticket for running a stop sign may cause policy rate changes resulting in some companies being more affordable than before.

Best Auto Insurance Prices for Your Pilot

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USAA normally has some of the most affordable car insurance rates in Rhode Island at around $705 a year. State Farm, Travelers, Amica, and Progressive also rank well as some of the lowest-priced Rhode Island insurance companies.

As shown in the rates above, if you are a policyholder with Amica and switched to USAA, you may see an annual savings of about $747. Rhode Island drivers with Progressive might save as much as $794 a year, and Quincy Mutual insureds might lower prices by $874 a year.

Bear in mind that those estimates are averages across all drivers and vehicles and do not take into consideration a specific rating modification for a Honda Pilot. So the car insurance company that has the cheapest price for you may not even be shown in the chart above. That point stresses why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

Safe drivers pay less for auto insurance

One of the best ways to find the cheapest auto insurance prices for a Pilot is to drive safe and avoid accidents and traffic citations. The information below highlights how speeding tickets and accident claims raise insurance prices for each different age group. The price estimates are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.

The data in the chart shows the average cost of auto insurance in Rhode Island per year with no violations or accidents is $2,442. Factor in two speeding tickets and the average cost increases to $3,282, an increase of $840 each year. Then add two accidents along with the two speeding tickets and the annual cost of auto insurance for a Honda Pilot goes up to an average of $6,316. That’s an increase of $3,874, or $323 per month, just for not driving safely!

Cheapest car insurance: Geico, Allstate, State Farm, or Progressive

If you are shopping around for insurance for a Pilot, some of the largest companies to start with are Geico, Allstate, State Farm, and Progressive. When combined, they make up about 50% of all car insurance policies written. They all have your normal coverages like liability, comprehensive, and collision, but each one offers unique features and discounts that buyers can choose from. The next table compares pricing and service ratings, as well as optional policy coverages offered by each company.

How to get cheap insurance for a Honda Pilot in Rhode Island

It is possible to find better rates, and here are some of the better thrifty ideas that can help Rhode Island drivers get low-cost car insurance.

• On older vehicles, drop full coverage
• Do not get tickets
• Try to not file small claims
• Increase the comprehensive and collision deductibles on your policy
• Drive attentively and avoid accidents
• Compare rate quotes frequently

That last piece of advice is certainly vital, as was stressed in this piece. Prices charged by car insurance companies change frequently, so don’t be afraid to change insurance companies if a cheaper price is available. Sticking with a specific company is fine, but we do not recommend it if that devotedness results in you overpaying a fortune every year. If you have a few minutes, now is a great time to compare rates and find cheaper car insurance for a Honda Pilot.