Who Has Cheap Insurance for a Honda Pilot in North Dakota?

When writing about shopping for car insurance, the words “affordable” or “cheap” should never be used as a descriptor for auto insurance rates. Forgive the oxymoron, but cheap auto insurance for a Honda Pilot can be difficult to find. But don’t despair, because we are going to show you how you can find coverage that may not be cheap, but it is affordable.

The chances that you’ll find the cheapest auto insurance for a Honda Pilot in North Dakota depends upon a complex calculation that is influenced by things like how safe your vehicle is, your credit status, and citations or violations on your driving record. Drivers pay on average $1,010 per year for Pilot insurance, but that is an estimation based on cost data for a 30-year-old single female that purchased full coverage including both comprehensive and collision and $500 policy deductibles.

More than likely, you are not exactly 30 years old and possibly not even female, possibly married instead of single, or maybe you do not need full coverage. Having just a slight change in rating criteria can lead to a big change in rates.

The different assumptions illustrate why the best way to quote the cheapest rates for your Honda is to make a habit of regularly comparing rates from other companies. In just a couple of minutes you will receive prices from some of the best companies around.

Insure Your Honda for Less

The trim level of your Pilot tends to have a direct effect on the cost of insurance, so the price to insure a Pilot LX 2WD model will be $96 cheaper than the insurance cost for the fancier Pilot Touring 4WD model, as shown in the table below.

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Price information does not factor in garaging location in North Dakota which can affect auto insurance rates considerably.

Insuring your vehicle with the highest-rated insurer can be challenging considering how many choices you have in North Dakota. The company information shown below may help you analyze which car insurance providers to look at when shopping car insurance rates for a Honda Pilot.

The rankings below are only made up of the largest companies in the United States, so smaller companies are not factored into these rankings. To compare prices and find the cheapest rates for a Honda Pilot, simply click here.

Discounts on cheap insurance for a Honda Pilot in North Dakota

Insurance companies that offer coverage for a Honda Pilot could also offer premium discounts that may potentially lower prices by as much as 30% if you are eligible for them. The best insurance companies and a summarized list of policyholder discounts are outlined below.

The example below illustrates the comparison of car insurance costs with and without discounts. The data assumes a female driver, no claims or driving citations, North Dakota state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with homeowner, vehicle safety, multiple policy, safe-driver, marriage, and multiple vehicle discounts applied. When discounts are applied, the average amount saved each year on insurance for a Honda Pilot is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2709,1953],[‘Age 30’, 1899,1381],[‘Age 40’, 1759,1281],[‘Age 50’, 1541,1121],[‘Age 60’, 1485,1083],[‘Age 70’, 1715,1239]]);var options = {title: ‘Effect of Discounts on Insurance Price for a Honda Pilot’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Honda Pilot’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Drive responsibly or pay higher rates

One of the best ways to get cheap insurance for a Honda Pilot in North Dakota is to be a cautious driver and avoid at-fault accidents and violations. The diagram below illustrates how violations and at-fault accidents raise car insurance costs for each age group. The costs are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2687,2929,3607],[‘Age 30’, 1869,2113,2789],[‘Age 40’, 1733,1977,2653],[‘Age 50’, 1517,1761,2437],[‘Age 60’, 1465,1707,2385],[‘Age 70’, 1701,1943,2619]]);var options = {title: ‘Impact of Tickets and Claims on North Dakota Honda Pilot Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Honda Pilot in North Dakota’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the example above, the average cost of auto insurance per year with a clean driving record and no accidents is $1,829. Receive one speeding ticket and the average cost swells to $2,072, an increase of $243 each year. Now get one accident along with the one speeding ticket and the yearly cost of insurance for a Honda Pilot increases to an average of $2,748. That’s an increase of $920, or $77 per month, just for a couple of infractions!

How to find the cheapest insurance for a Honda Pilot

The list below summarizes some of the recommended thrifty suggestions that can help North Dakota drivers locate low-cost coverage.

• Buying home and auto insurance together can earn discounts
• Do not get tickets or violations
• Frequent claims will increase rates
• Clean up your credit rating
• Raise deductibles to save money
• Avoid at-fault accidents and claims
• Compare prices frequently to find the best deal

The last tip is incredibly important, as we hit on in this article. Car insurance rates adjust frequently, so drivers shouldn’t be reluctant to switch companies if a cheaper rate is available.

Having brand loyalty is commendable, but it isn’t a good idea if that inflexibility results in costing you lots of hard earned cash every month. Now is a great time to compare prices and find cheaper insurance for a Honda Pilot.