Who Has Cheap Insurance Quotes for a Honda Pilot in Massachusetts?

When we talk about auto insurance, the word “cheap” should not be used as a descriptor for auto insurance rates. It’s just reality that cheap auto insurance for a Honda Pilot is pretty hard to find. Don’t let that bother you, though, because we will teach you how you can quote insurance that is cheaper than what you are paying now.

Your odds of finding affordable coverage for a Honda Pilot in Massachusetts depends on dozens of factors such as whether you are male or female, if you have ever let your coverage lapse, and if your driving record shows any at-fault accidents. Drivers pay on average $1,100 annually for Pilot insurance, but that amount is using cost data for a 30-year-old married male with both comprehensive and collision coverage and $100 policy deductibles.

Chances are that rate is not what you would pay, because most likely you may not be 30 years old (or even male), single instead of married, and you might want liability-only or different deductibles. Even a slight change in policy rating factors can lead to a big change in the cost of coverage for a Honda Pilot.

This example demonstrates why the best method for finding cheap auto insurance rates for your Honda is to just take the time to compare rates yourself. Comparing quotes is easy and you will receive price comparisons from top-rated car insurance companies that offer coverage in Massachusetts.

Click Here to Start Your Quote

The trim level of your vehicle can impact the annual cost of coverage, so the price you pay to insure a Pilot LX 2WD trim level will be $130 less than the price to insure the more expensive Pilot Touring 4WD trim level, as shown in the table below.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium amounts do not factor in specific zip code location which can alter auto insurance rates greatly.

Ending up with a good quality insurance provider is difficult considering how many choices there are in Massachusetts. The company rank data listed below may help you select which car insurance providers to look at purchasing a policy from. These ratings only include companies with a national presence, so companies that only write business in Massachusetts or surrounding areas are not factored into this list.

The information below illustrates how your choice of deductibles can raise or lower premium costs when getting quotes for cheap insurance for a Honda Pilot. The premiums are based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3225,2963,2671,2395],[‘Age 30’, 2253,2059,1837,1623],[‘Age 40’, 2083,1911,1709,1517],[‘Age 50’, 1827,1673,1497,1329],[‘Age 60’, 1761,1615,1445,1283],[‘Age 70’, 2041,1875,1689,1513]]);var options = {title: ‘Deductibles and Honda Pilot Insurance Rates in Massachusetts’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Honda Pilot’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 50-year-old driver could reduce rates by $330 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $498 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old example, can cut $830 or even more by selecting a higher deductible.

When raising deductibles, it is necessary to have enough in a savings account to offset the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

How to find cheaper insurance for a Honda Pilot

The list below details some of the better money-saving solutions that can help drivers locate the cheapest coverage.

• At-fault accidents will increase rates
• Vehicles with safetly features generally cost less to insure
• Raise deductibles to save money
• Save money by obeying traffic laws and keeping a clean driving record
• Good credit scores may make rates cheaper
• On older vehicles, drop full coverage
• Ensure you have the best deal by shopping around regularly

That last tip is particularly necessary, as we pointed out in this write-up. Prices can change in a short period of time, so don’t hesitate to buy from a different company if a better deal can be had.

Being loyal to a particular company is commendable, but is isn’t recommended if that loyalty ends up costing a fortune every year. In less than five minutes you could compare rates to find cheaper auto insurance for a Honda Pilot.

Cheapest Honda Pilot insurance quotes

There are many ways to find cheaper car insurance in Massachusetts, but the most preferred methods are from an independent agent, an exlusive agent like State Farm or Auto-Owners, or direct from companies such as Progressive or Geico. You can use whichever method you prefer, but shoppers should understand the differences in how they give price quotes.

Independent agencies work with multiple companies and can compare coverage rates with all of them. These types of agents can quote with many companies and quote rates with many companies, which may give you improved odds of finding cheaper coverage. If your agent finds a cheaper company, it’s simple to move the policy and you don’t have to find a new agent.

An agent who is captive is limited to one company, two popular examples being a Liberty Mutual or State Farm agent. Exclusive agencies are unable to provide other companys’ prices, so if the price isn’t competitive there isn’t much they can do.

The third popular method of shopping for car insurance is direct, which means you bypass local insurance agents and instead shop from a direct company like Esurance or Progressive. This car insurance option can be good for consumers who have limited assets and understand what coverage options they need.

So which of the methods works best for finding cheap insurance for a Honda Pilot in Massachusetts? The majority of people assume that buying direct saves money since there is no need to pay agent commissions, but that turns out to not be true. It could also be said an independent agent guarantees the cheapest rates since there are more companies to choose from, but that assumption is not true either. And occasionally, exclusive agents may have prices that other car insurance companies cannot touch.

Because it’s impossible to say who has the best car insurance rates, the one way to ensure you are not overpaying is to get rate quotes and compare. It’s recommended that drivers get prices from all three types to have the best selection of rates to choose from. For a list of companies with online discounts, click here to view.