How Much are Insurance Quotes for a Honda Pilot in Pennsylvania?

Your odds of finding the best cheap car insurance for a Honda Pilot in Pennsylvania relies on a lot of different factors such as how you use your Pilot, whether or not you are currently insured, and driving violations. Pennsylvania drivers pay on average $860 each year to buy insurance for a Honda Pilot, but that is a ballpark figure based on cost data for a 50-year-old married male that has both comprehensive and collision coverage and $250 physical damage deductibles.

But there is a high likelihood that you aren’t exactly 50 years old or even a male, you might be single instead of married, or maybe you have a teen driver on your policy that needs to be considered. There is no perfect policy for every driver, so the only way to find cheap auto insurance rates for your Honda is to put in the effort and compare rates.

Find Cheaper Honda Pilot Insurance

The specific model of Pilot tends to have a direct effect on the coverage cost, so the price you will pay to insure a Pilot LX 2WD will be $90 lower than the price to insure the higher-end Pilot Touring 4WD model, as shown by the rates below.

Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Prices do not factor in Pennsylvania location which can increase or decrease premiums considerably.

Finding dependable, cheap insurance is not the easiest thing to accomplish, and finding out which company quotes the cheapest car insurance rates for a Honda Pilot calls for even more diligence.

Every auto insurer has a proprietary formula for setting rates, so we’ll take a look at the car insurance companies with the overall cheapest rates in Pennsylvania. It’s important to understand that Pennsylvania car insurance rates are determined by lots of factors that control the price you have to pay. This price variability is why consumers need to spend some time comparing rates to get the lowest auto insurance quotes for a Honda Pilot. Rates are influenced by many things and change substantially, so the best company when you bought your policy may now be quite expensive.

Cheapest Insurance Rates for Your Pilot

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General Casualty quotes some of the best car insurance rates in Pennsylvania at around $726 each year. USAA, Travelers, Penn National, and Erie also make the cut as some of the most economical Pennsylvania insurance companies.

As the example above demonstrates, if you are a customer of Travelers and switched to General Casualty, you may realize a yearly savings of in the vicinity of $85. Policyholders with Penn National may save as much as $90 a year, and Erie customers might reduce rates by $98 a year.

Bear in mind that those rates are averaged for all drivers and vehicles and are not factoring in a specific rate factor for a Honda Pilot. So the auto insurance company that has the lowest price for you may not even be featured in the list of companies above. That helps illustrate why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.

Difference between full coverage and liability only rates

Finding cheap insurance for a Honda Pilot in Pennsylvania is important to the majority of people, and one of the fastest ways to pay less for insurance is to only buy liability insurance. The example below visualizes the comparison of auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Pennsylvania. The prices are based on a clean driving record, no at-fault accidents, $100 deductibles, single marital status, and no policy discounts are applied.

On average, physical damage coverage costs $2,116 per year over having just liability coverage. That touches on the question if buying full coverage is worth the money. There is no set guideline of when to phase out comp and collision coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let’s pretend your vehicle’s settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $3,000 after the policy deductible has been paid. If you are paying over $300 annually to have full coverage, then it could be time to drop full coverage.

There are some cases where buying only liability insurance is not in your best interest. If you have an outstanding loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage on your policy.

Get discount Pennsylvania car insurance rates

Auto insurance companies that offer cheap insurance for a Honda Pilot in Pennsylvania may provide price discounts that could potentially reduce rates by 30% or more if you meet certain criteria. A list of car insurance companies and some of the premium reductions they offer can be read below.

• State Farm has discounts for good driver, Drive Safe & Save, passive restraint, student away at school, good student, defensive driving training, and multiple policy.
• Liberty Mutual includes discounts for multi-policy, newly married, safety features, exclusive group savings, and hybrid vehicle.
• American Family may offer discounts for good driver, good student, Steer into Savings, accident-free, bundled insurance, and multi-vehicle.
• Progressive discounts include online quote discount, online signing, multi-vehicle, good student, continuous coverage, and multi-policy.
• Farmers Insurance may have discounts that include good student, pay in full, multi-car, switch companies, and electronic funds transfer.
• Auto-Owners Insurance has savings for anti-lock brakes, group or association, air bags, multi-policy, anti-theft, and student away at school.
• SAFECO offers premium reductions for anti-lock brakes, anti-theft, bundle discounts, drive less, teen safety rewards, and multi-car.

The chart below illustrates the comparison of car insurance costs with and without discounts applied to the policy premium. The information is based on a male driver, no accidents, no driving violations, Pennsylvania state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with claim-free, anti-theft, accident-free, marriage, homeowner, and multiple policy discounts applied. When these discounts are applied, the average amount saved each year on car insurance for a Honda Pilot is 28% or $517.

Best rates: State Farm, Progressive, Allstate, or Geico

If you are looking for the best car insurance, some of the largest companies to start with are State Farm, Progressive, Allstate, and Geico. The data below compares some of the different features shoppers can find with each company.

Who has the cheapest Honda Pilot insurance quotes?

Thanks to technology, drivers have a lot of ways to shop around for car insurance in Pennsylvania, but the most prevalent are either through an independent insurance agent, an exclusive insurance agent like Allstate or Auto-Owners, or direct either online or via phone.

They all have the same basic principle, but they differ in how they provide rate quotes.

Independent insurance agencies can place your business with multiple companies and can do rate comparisons with every one. These agents are not restricted to one company and can give you more rates, which may provide you with the best chance of finding a lower price. If a cheaper rate is found, they simply move your policy to a different company and you don’t have to find a new agent.

An agent who is captive is only able to quote rates from one insurance company, two popular examples being Allstate and Liberty Mutual agents. These agents usually cannot compare other company’s rates, so you will not be able to compare their rates to other companies.

Buying from a direct company means bypass either of the other two types of agents and buy direct online or over the phone from a company like Progressive or Esurance. Shopping for car insurance direct is good for families who do not have complex finances and have an above average understanding of what specific coverages they need.

Which method works best to find cheap insurance for a Honda Pilot in Pennsylvania? Most drivers assume that shopping direct saves money because there isn’t an agent involved, but that generally is not the case. An argument could also be made that using an independent agent is the best way to go due to increased selection, but that assumption is also not necessarily accurate. And sometimes, the exclusive agents have price quotes that are the cheapest.

Because of the variability of car insurance rates, the best way to get the cheapest rates is to get quotes and compare. The ideal approach is to get price quotes all three ways to give yourself the best selection. For a list of car insurance companies with low rates, click here to view.