Best Cheap Insurance Quotes for a Honda Pilot in Colorado

The chances of finding affordable coverage for a Honda Pilot in Colorado is contingent on dozens of factors like the safety features of your vehicle, where your vehicle is garaged, and whether or not you are a good driver. Colorado drivers pay an average of $1,140 annually for Pilot insurance, but that is an approximation using rate data for a 30-year-old married female who needs full comprehensive and collision coverage and $100 deductibles.

There’s a good chance you aren’t exactly 30 years old or even a female, you might be single instead of married, or maybe you want more liability coverage than is required by law in Colorado. Auto insurance rates are unique for each driver, so the way we recommend to find the cheapest coverage for your Honda is to make a habit of comparing rates at every renewal. It only takes a few minutes and you will receive prices from the best auto insurance companies that sell coverage in Colorado.

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The specific model of Pilot will likely have an effect on the annual cost of coverage, so the cost to insure a Pilot LX 2WD trim level will be $132 cheaper than the price to insure the higher-end Pilot Touring 4WD version, as shown in the chart below.

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Prices do not factor in vehicle garaging location which can affect premium rates noticeably.

Buying coverage from the best insurance company can be difficult considering how many choices there are in Colorado. The ranking data shown below may help you decide which coverage providers you want to consider comparing rates with.

The rankings below include companies with a nationwide focus, so smaller companies will not be included in this list. If you’d like to compare prices from the most competitive companies in Colorado, click this link.

The illustration below demonstrates how deductible levels can impact insurance rates when researching cheap insurance for a Honda Pilot. The price estimates are based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.

The chart above illustrates that a 30-year-old driver could lower rates by $344 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $524 by switching to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could save $752 annually by choosing a larger deductible amount.

When using a larger deductible, it is important to have plenty of discretionary funds to be able to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

How much more does full coverage cost?

Finding the best cheap insurance for a Honda Pilot in Colorado should be important to most people, and one easy way to find cheaper insurance is to not pay for full coverage. The chart below visualizes the comparison of insurance costs with and without physical damage coverage. The information is based on no claims, a clean driving record, $500 deductibles, drivers are not married, and no discounts are factored in.

If all age groups are averaged, comprehensive and collision coverage on your policy costs $1,837 per year more than carrying just liability coverage. That is a significant amount which raises the question if buying full coverage is a waste of money. There is no set guideline to stop paying for physical damage insurance, but there is a general convention. If the yearly cost of comp and collision coverage is more than around 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

There are a few cases where dropping physical damage coverage is not in your best interest. If you haven’t satisfied your loan, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

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

If you’re looking for the best insurance for a Pilot in Colorado, some of the first companies to look at are Geico, State Farm, Allstate, and Progressive. All of them offer liability and physical damage protection, but each on has unique features and discounts that buyers can choose from. The data below compares pricing and service ratings, as well as optional policy coverages that are available.