Best Cheap Insurance for a Honda Pilot in Texas

Our content editors always give us grief that when writing about car insurance, the word affordable should never appear anywhere in the article to describe car insurance rates. It’s a simple fact that cheap car insurance for a Honda Pilot is just plain contradictory. But fear not, because we will teach you how you can still get car insurance that is more budget-friendly.

The chances that you’ll find cheap car insurance for a Honda Pilot in Texas depends on a complicated formula that considers factors such as whether or not you are married, your profession, and your motor vehicle report. Drivers in Texas pay around $1,200 per year to insure their Pilot, but that rate is a projection that uses rate data for a 40-year-old married male driver that purchased full coverage and $100 deductibles.

Chances are good that you are not 40 and possibly not even male, maybe you are single instead of married, or maybe you had a chargeable driving offense. Even a slight difference in the rating criteria used to formulate rates can cause big differences in the policy rate.

Not every driver requires the same auto insurance coverages, so the most reliable method for finding cheap auto insurance rates for your Honda is to shop around at every renewal for lower rates. In just a couple of minutes you will receive prices from some of the cheapest companies available.

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The specific trim level can impact the insurance rate, so the price you pay to insure a Pilot LX 2WD will be $134 cheaper than the price to insure the more costly Pilot Touring 4WD model, as shown below.

Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in specific location information which can impact premiums considerably.

Selecting the right auto insurance company is hard considering how many choices you have in Texas. The company ratings listed below could help you choose which car insurance providers to look at purchasing coverage from.

These ratings are for companies with a nationwide focus, so smaller regional companies are not taken into consideration for the list. If you wish to compare rates from these companies and more, simply click here.

The chart below shows how choosing a deductible can influence insurance costs when researching cheap insurance for a Honda Pilot. The information is based on a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

In the chart above, a 40-year-old driver could save $376 a year by changing from a $100 deductible up to a $500 deductible, or save $568 by using a $1,000 deductible. Young drivers, such as the Age 20 example, could save $946 or more by choosing a higher deductible.

When using a larger deductible, it’s a good idea to have spare funds to allow you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Are you paying too much for car insurance?

Texas car insurance rates are impacted by many factors which can substantially decrease or increase the price of coverage. Simply turning a year older, increasing liability limits, or having an accident can produce rate changes resulting in some rates now being more affordable than competitors.

Not only may your situation change, but auto insurance companies modify rates as often as every three months to adjust for heavy claims or excess profits. A period of increased losses can result in rate hikes, while a lower level of claims can produce cheaper Pilot insurance rates.

For instance, the chart below shows rates for the cheapest car insurance in Texas for a 45-year-old male driver with a clean driving record, no accidents, and good credit. If we look at prices based on his current situation, Travelers might offer the cheapest car insurance rates in Texas at $1,021 per year. This is $883 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also on the list of the best Texas auto insurance companies.

Let’s now give the driver in the first chart some claims, bad credit, and a traffic ticket or two. Due to the fact that each insurance company uses their own method to determing premium rates, analyzing rates most likely will result in a slightly different list of cheap Texas auto insurance companies as shown below.

State Farm now has the cheapest rate in Texas with USAA, Mercury, Nationwide, and Safe Auto also being competitive. This shows why it is critical to do a thorough rate comparison to get the most budget-friendly insurance quotes for a Honda Pilot.

Auto insurance prices are influenced by many things and can change without notice, so the cheapest rate a year ago may now be quite expensive.

How to find the cheapest auto insurance for a Honda Pilot

The list below shows some of the better thrifty ideas that can help Texas drivers quote lower-cost car insurance.

• Pay lower rates with good credit
• Drive a car with a high safety rating
• Do not get tickets
• Staying accident-free helps keep rates low
• Do not file small claims
• Shop around once a year for cheaper rates

That last tip is incredibly significant, as we discussed in this piece. Coverage rates in Texas change a lot, so drivers shouldn’t be reluctant to buy a different policy if a more affordable price is available.

Brand loyalty is great, but is isn’t recommended if your bullheadedness ends up costing you hundreds of dollars a year. It only take a few minutes to compare prices to find cheaper insurance for a Honda Pilot.