Cheapest Insurance Quotes for a Honda Pilot in Florida

Our editors always tell us that when writing about car insurance, the word cheap should not be used as a descriptor for car insurance rates. It’s just a fact that cheap auto insurance for a Honda Pilot does not exist. But don’t despair, because we can show you some ways you can quote coverage that is affordable.

Your ability to find the best cheap auto insurance for a Honda Pilot in Florida depends on an enormous amount of factors such as if you own the home you live in, if you are currently insured, and if you have any chargeable driving offenses. Florida drivers pay an average of $1,250 each year to insure their Pilot, but that cost is an estimation that uses rate data for a 30-year-old married male driver that has comprehensive and collision coverage and $250 deductibles.

Chances are that rate is not what you would pay, because most likely you are not 30 and possibly not even male, possibly single instead of married, or maybe your driving record isn’t squeaky clean. Even a very minor difference in the criteria used to calculate rates may result in significant differences in how much coverage for a Honda Pilot costs.

This demonstrates why the most reliable method for finding the cheapest insurance price for your Honda is to do a thorough rate comparison.

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Your Honda’s trim level tends to have a direct impact on the yearly cost, so the cost to insure a Pilot LX 2WD trim level will be $140 less expensive the price to insure the more well-appointed Pilot Touring 4WD version, as shown in the chart below.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rates do not factor in specific location which can raise or lower coverage prices noticeably.

Picking a highly-rated insurance company can be challenging considering how many different insurance companies sell coverage in Florida. The company ratings below can help you pick which insurers to look at when shopping insurance around for a Honda Pilot.

The rankings below are only comprised of major nationwide insurance companies, so companies without a large exposure are not taken into consideration for this list. If you’d like to compare prices from these and other competitive companies, follow this link.

Top 10 Major Auto Insurance Companies in Florida Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. The General
9. 21st Century
10. Esurance

Top 10 Major Auto Insurance Companies in Florida Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

Top Companies for Honda Pilot Insurance in Florida

The diagram below shows how choosing a deductible can impact annual premium costs when quoting cheap insurance for a Honda Pilot. The rate quotes are based on a married female driver, comp and collision included, and no discounts are taken into consideration.

The chart above illustrates that a 50-year-old driver could reduce rates by $354 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $536 by switching to a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could roll back prices up to $880 or even more just by using higher deductibles. If you do decide to increase your deductibles, it is a good idea to have plenty of savings on hand to allow you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Cheapest Honda Pilot insurance quotes

There are quite a few ways to shop around for insurance in Florida, but the most popular are from an exlusive agent like State Farm or Auto-Owners, a non-exclusive or independent agent, or from a direct company like Progressive or Geico.

They all have the same end result, but each is different in how they function.

Independent agents can place your business with multiple companies and can get policy pricing from all of them. Agents of this type do not write with just one company and can give you more rate choices, which may give you the best chance of finding a lower price. If cheaper coverage is found, they simply move your policy to a different company which is easy for the insured.

A captive or exclusive agent is only able to give prices for a single insurance company, examples being State Farm and Auto-Owners agents. They usually cannot quote rates from more than one company, so if rates are not competitive, they cannot give other choices.

If you buy direct, you skip either of the other two types of agents and instead buy direct online or over the phone from a company like Esurance or Geico. Shopping direct may be preferred by drivers who do not have a complex risk profile and know more than average about how insurance works.

Which way works best to find the cheapest insurance for a Honda Pilot in Florida? The obvious answer would be buying from a direct car insurance company saves money because there is no agent taking a commission, but in reality, that is not the case. A good argument could also be made that buying from an independent agent is the best way since they can quote with many companies, but again, that’s not accurate. In many circumstances, the exclusive agents have very competitive rates that other insurance companies cannot touch.

Due to the large number of rating factors, the best method to get the cheapest rates is to compare lots of quotes. We highly recommend getting rate quotes from independent agents, exclusive agents, and direct companies in order to have the best selection to choose from. For a list of insurance companies with low rates, click here to view.

Find the cheapest insurance for a Honda Pilot in Florida

The list below summarizes a few money-saving solutions that can help you find lower-cost car insurance.

• Home or renters coverage can save on auto insurance
• Buy a vehicle with excellent safety ratings
• Higher physical damage deductibles lower rates
• Try to pay small claims out-of-pocket
• Pay lower rates with good credit
• Do not insure for full coverage
• Compare prices frequently to find the best deal

That last piece of advice is very important, as was affirmed in the prior article. Auto insurance prices can change considerably in a year, so don’t be afraid to buy a policy from a new company if a more affordable rate is found.

Being loyal to a particular company is commendable, but is isn’t recommended if that dedication is costing big bucks every year. In just a couple of minutes you could compare rates to find cheaper car insurance for a Honda Pilot.