Cheap Insurance Quotes for a Honda Pilot in Oklahoma

When discussing auto insurance, the word “cheap” should never be used anywhere to describe car insurance rates. Sad but true, cheap car insurance for a Honda Pilot can be difficult to find. Don’t let that discourage you, because we are going to show you how you can find and buy car insurance that is considered budget-friendly.

Buying cheaper auto insurance for a Honda Pilot in Oklahoma is contingent on a complicated formula that considers factors like how many miles you drive each year, your credit status, and whether or not you are a good driver. Oklahoma drivers will pay on average $1,340 each year to insure a Honda Pilot, but that cost is a ballpark figure using cost data for a 30-year-old married male who requires full coverage and $250 physical damage deductibles.

It’s highly likely that you are not exactly 30 years old and possibly not even male, you might be single instead of married, or maybe your Pilot is old enough that it doesn’t require full coverage. Having what appears to be a very minor change in the factors used in pricing a policy could end up with a large change in the cost of a policy.

There is no perfect policy for every driver, so the only way to find cheap insurance prices for your Honda is to compare rates from as many companies as possible. It only takes a few minutes and you can get prices from the best companies in Oklahoma.

Click to Compare Rates Now

The trim level of your Pilot impacts price, so the rate you pay to insure a Pilot LX 2WD model will be $150 less expensive the price to insure the more well-appointed Pilot Touring 4WD trim level, as shown by the rates below.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can modify price quotes noticeably.

Deciding which company quotes the lowest-priced car insurance rates for a Honda Pilot will require a little more sweat in order to find the lowest price quote.

Each company has a different process for establishing rates, so let’s rank the most affordable car insurance companies in Oklahoma. It’s a good idea to know that Oklahoma car insurance rates are impacted by many factors which can substantially change the price of coverage. Improving your credit score, buying a home, or getting a driving violation can trigger changes in premium that can cause some rates to be affordable when they were higher priced.

Best Car Insurance Prices for Your Pilot

Click Here to Start Your Quote

USAA may offer some of the cheapest car insurance rates in Oklahoma at around $1,150 each year. Oklahoma Farmers Union, The Hartford, Safe Auto, and GEICO also qualify as some of the more affordable Oklahoma car insurance companies.

As shown in the rates above, if you currently have coverage with The Hartford and switched to USAA, you might achieve savings of about $183. Oklahoma drivers with Safe Auto might save as much as $213 a year, and GEICO policyholders might cut rates by $231 a year.

If you want to find out if you’re overpaying, click here to start a quote or click several companies below for low rates.

Bear in mind that those premium estimates are averages across all drivers and vehicles and and are not figured with a specific rate factor for a Honda Pilot. So the auto insurance company that has the cheapest price for you may not even be included in the list of companies shown earlier. That affirms the importance of why you need to get rate quotes from many companies using your own driver information and specific vehicle type.

The example below demonstrates how choosing different deductibles can raise or lower yearly insurance costs when getting quotes for cheap insurance for a Honda Pilot. The prices are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.

In the chart above, a 30-year-old driver could save $450 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $684 by choosing a $1,000 deductible. Youthful drivers, like the Age 20 category, have the ability to save $1,280 each year just by using higher deductibles. If you do make the decision to raise your deductibles, it is important to have enough spare savings to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Can you find cheaper Pilot insurance?

Oklahoma car insurance rates are impacted by many things that can increase the price you pay. Simply having another birthday, buying a home instead of renting, or getting a speeding ticket may prompt premium changes that can make some companies cheaper than competitors. Not only may your risk profile change, but car insurance companies change the rates they charge in Oklahoma at least once a year to adjust for unexpected claims or profits. Significantly higher claims can cause higher prices, while a better claims history may result in lower-priced Pilot insurance rates.

For instance, the chart below compares the cheapest car insurance in Oklahoma for a 35-year-old male driver with a clear driving record, no claims, and great credit. Based on his personal risk profile, Oklahoma Farmers Union offers the most affordable car insurance rates in Oklahoma at $1,166 annually. This is $801 less than the average rate paid by Oklahoma drivers of $1,967. USAA, GEICO, The Hartford, and Safe Auto round out the rest of the most affordable Oklahoma auto insurance companies.

In this next rate comparison, we will give the driver from above a claim, less-than-perfect credit, and a speeding citation. Because each company has a proprietary method to set their prices, comparing rates will most likely result in a substantially altered list of companies as shown below.

State Farm now has the best car insurance rate in Oklahoma with USAA, GEICO, Liberty Mutual, and The Hartford now rounding out the top five. This demonstrates why it is important to compare many different companies when trying to get the cheapest car insurance rates for a Honda Pilot. Insurance rates are impacted by many different factors and can increase or decrease at any time, so the best company a year ago may now cost much more than other companies.

How to find cheap insurance for a Honda Pilot in Oklahoma

Below you’ll find some of the better thrifty suggestions that can help drivers quote more affordable car insurance.

• Good credit can help you save money
• Maintain a safe distance and avoid accidents
• Violations like speeding or DUI increase rates
• Choose a safer vehicle and pay lower rates
• Full coverage is expensive so only insure older vehicles for liability only
• Increase your policy deductibles
• Comparison shop frequently

The last tip in the list is extraordinarily important, as we discussed in this piece. Prices charged by car insurance companies fluctuate constantly, so don’t hesitate to buy a policy from a new company if a cheaper price is available.

Many consumers stick with the same company and that’s fine, but is isn’t recommended if that faithfulness ends up costing you big bucks every year. In less than five minutes you could compare prices and find cheaper auto insurance for a Honda Pilot.