Cheapest Insurance Quotes for a Honda Pilot in Kansas

Our editors have a joke that when writing about auto insurance, the word cheap shouldn’t be used anywhere in the article to describe car insurance prices. Despite the oxymoron, cheap car insurance for a Honda Pilot does not exist. But don’t let us ruin your dream, because there may be ways you can still find and buy auto insurance that is more affordable.

Finding cheaper car insurance for a Honda Pilot in Kansas hinges on a pretty complex algorithm that uses a lot of factors like the safety rating of your vehicle, if you have ever let your coverage lapse, and if your driving record is clean. Drivers in Kansas pay an average of $750 every 12 months to insure their Pilot, but that rate is an estimation based on rate data for a 50-year-old married male driver that has comprehensive and collision coverage and $250 physical damage deductibles.

It’s more than likely that you are not 50 and maybe not even a male, you might be single instead of married, or maybe your Kansas zip code is rated higher than the example. Even a slight difference in quote information may result in significant differences in the cost of insurance.

Auto insurance is unique to every driver, so your best shot at finding the cheapest insurance price for your Honda is to make a habit of comparing rates at every renewal. Quotes only take a few minutes and you will be able to see rates from the best auto insurance companies that offer coverage in Kansas.

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The trim level of your vehicle tends to impact the coverage cost, so the price you will pay to insure a Pilot LX 2WD will be $80 lower than the insurance cost for the more well-appointed Pilot Touring 4WD model, as shown in the table below.

Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in specific Kansas garaging location which can lower or raise prices substantially.

Selecting the best insurance provider can be rather challenging considering how many choices drivers have in Kansas. The rank data displayed below could help you choose which companies you want to consider putting your business with. These rankings are only made up of large insurance companies, so companies that have a smaller presence are not included in these rankings.

How accidents and violations affect rates in Kansas

The obvious way to find the cheapest insurance for a Honda Pilot in Kansas is to drive attentively and maintain a clean driving record. The diagram below demonstrates how traffic citations and at-fault fender-benders drive up insurance prices for different age groups. The rate quotes are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

The data above shows the average cost of car insurance per year with a clean driving record and no accidents is $1,369. Get written up for two speeding tickets and the average cost increases to $1,800, an increase of $431 each year. Now throw in two accidents along with the two speeding tickets and the yearly cost of insurance for a Honda Pilot goes up to an average of $3,615. That’s an increase of $2,246, or $187 per month, just for being a little careless behind the wheel!

How much more does full coverage cost?

Finding the cheapest insurance for a Honda Pilot in Kansas is probably important to the majority of vehicle owners, and one way to buy cheaper insurance is to buy liability only. The illustration below illustrates the difference between insurance premiums with full coverage and liability only. The prices are based on no claims or driving citations, $500 deductibles, drivers are not married, and no policy discounts are applied.

If averaged for all ages, physical damage coverage on your policy costs an additional $1,630 per year more than carrying just liability coverage. At some point, almost every driver questions if paying for full coverage is worth it. There is no set rule for phasing out comp and collision coverage, but there is a guideline you can consider. If the annual cost of having full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

There are some scenarios where removing full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.

How to get the cheapest insurance for a Honda Pilot in Kansas

The list below summarizes some penny-pinching ideas that can help you find lower-cost car insurance.

• Home or renters coverage can save on auto insurance
• Assess whether full coverage is needed
• Get cheaper liability coverage by choosing a safer vehicle
• Remain accident-free and save
• Better credit rating means better rates
• Compare prices as often as possible

The final tip is certainly necessary, as was emphasized in this piece. Prices charged by auto insurers change frequently, so don’t be tentative to switch companies if a lower-cost policy is available.

Being loyal to a particular company is commendable, but it’s not recommended if that inflexibility results in costing you a lot of money. In less than five minutes you could compare rates and find cheaper auto insurance for a Honda Pilot.

Is the best company Progressive, State Farm, Geico, or Allstate?

When it comes to insurance for a Pilot in Kansas, the companies that insure more vehicles than anyone else are Progressive, State Farm, Geico, and Allstate. The following table breaks down pricing and service ratings, as well as optional policy coverages that are available.

Who has the cheapest Honda Pilot insurance quotes?

There are many ways to purchase insurance in Kansas, but the most popular methods are through an independent insurance agent, a captive (or exclusive) agent such as Allstate or Liberty Mutual, or direct either online or via phone.

They all have the same end result, but they differ in how they price policies.

Independent agencies can place your business with multiple companies and can get rate quotes from every one. These types of agents can sell policies from many different companies and can provide multiple price quotes, which can give you a better chance of saving money. If your agent finds better pricing, the business is moved internally without having to get a different agent.

An exlusive, or captive, agency is usually restricted to one company, two examples are State Farm and Allstate agents. Exclusive agents cannot provide multiple price quotes, so if rates are not competitive, they cannot shop around.

The last way is buying direct, which means you bypass local agents and buy direct online or over the phone from a company like Progressive or Esurance. Shopping for insurance direct can be good for families who do not need advice for risk management and have a decent understanding of what coverages they need.

So which method is best for finding the cheapest insurance for a Honda Pilot in Kansas? It would be premature to say buying direct saves money because you bypass the middleman, but in reality, that argument does not hold true. A valid argument could also be made that an independent agent is the best way since they can provide multiple quotes, but that assumption is also not accurate. And occasionally, exclusive agents have coverage prices that other insurance companies cannot touch.

Because there is so much variation in insurance prices, the only real way to not overpay for insurance is to compare, compare, and compare some more. Take some time and get rate quotes from independent agents, exclusive agents, and direct companies in order to have the best selection to choose from. A great place to start is our list of online companies offering discounts: click here to view.