Who Has Cheap Insurance Quotes for a Honda Pilot in South Dakota?

The chances that you’ll find cheaper insurance for a Honda Pilot in South Dakota is dependent upon lots of different factors such as if you are a renter or homeowner, if you have ever let your policy lapse, and if your driving record shows any at-fault accidents. Drivers will pay on average $720 each year for Pilot insurance, but that amount is a projection calculated based on a 50-year-old single male driver who needs full comprehensive and collision coverage and $1,000 physical damage deductibles.

More likely than not, you are not 50 years old and maybe not even male, married instead of single, or maybe your driving record isn’t squeaky clean. Not every driver requires the same auto insurance coverages, so your best shot at finding cheap insurance rates for your Honda is to comparison shop your policy at every renewal or at least every couple of years.

Start Your Free Quote

The trim level of your vehicle will be a contributing factor to the cost of coverage, so the rate you will pay to insure a Pilot LX 2WD model will be $58 cheaper than the cost to insure the fancier Pilot Touring 4WD version, as shown in the chart below.

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Dakota minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Price information does not factor in specific location which can decrease or increase prices greatly.

Finding cheap car insurance is not easy, and finding out which company has the most affordable auto insurance rates for a Honda Pilot will require even more shopping around.

Every car insurance company has a unique approach for filing rates in each state, so we’ll go over the most budget-friendly auto insurance companies in South Dakota. It’s important that you understand South Dakota auto insurance rates are impacted by many things that control the price you pay for coverage. Things like having a birthday, buying a safer car, or getting a DUI can trigger price changes resulting in some companies being cheaper than competitors.

Find Cheaper Auto Insurance for Your Pilot

Compare Rates Today

USAA offers some of the lowest car insurance rates in South Dakota at around $657 per year. Auto-Owners, State Farm, Western National, and Farmers Mutual of Nebraska also make the cut as some of the lowest-priced South Dakota auto insurance companies.

As shown in the rates above, if you have coverage with Western National and switched to USAA, you could realize yearly savings of approxmiately $379. South Dakota drivers with Farmers Mutual of Nebraska might save as much as $379 a year, and Unitrin customers might cut rates by $408 a year.

Remember that these premiums are averages across all drivers and vehicles and do not take into consideration a specific rate factor for a Honda Pilot. So the company that has the cheapest rates for you may not even be shown in the list above. That emphasizes why you need to compare prices as often as possible using your own personal information and vehicle type.

How to get discounts on South Dakota car insurance rates

Insurance companies that offer cheap insurance for a Honda Pilot in South Dakota may also offer rate discounts that can reduce rates by 25% or more if you qualify. The best auto insurance companies and their possible discounts are detailed below.

The illustration below compares car insurance costs with and without discounts applied to the rates. The rate quotes are based on a male driver, no violations or claims, South Dakota state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with passive restraint, multiple vehicle, multiple policy, vehicle safety, safe-driver, and marriage discounts applied. When drivers take advantage of discounts, the the average yearly reduction on auto insurance for a Honda Pilot is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3189,2299],[‘Age 30’, 1683,1227],[‘Age 40’, 1655,1203],[‘Age 50’, 1505,1097],[‘Age 60’, 1457,1059],[‘Age 70’, 1763,1271]]);var options = {title: ‘Insurance Premium Comparison 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: [‘#6791b9’, ‘#98bee2’],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);}

The example below shows how choosing a deductible can impact premium costs when researching cheap insurance for a Honda Pilot. The premium estimates are based on a single male driver, full physical damage coverage, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3157,2897,2611,2339],[‘Age 30’, 1669,1545,1397,1253],[‘Age 40’, 1639,1509,1357,1211],[‘Age 50’, 1491,1375,1239,1109],[‘Age 60’, 1443,1331,1201,1077],[‘Age 70’, 1747,1621,1479,1341]]);var options = {title: ‘Impact of Higher Deductibles on Honda Pilot Insurance Rates in South Dakota’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Honda Pilot’,minValue: 0,format: ‘$###,###’},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);}

In the chart above, a 40-year-old driver could reduce rates by $252 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $382 by changing to a $1,000 deductible. Even younger insureds, such as the Age 20 example, can save $818 annually just by choosing larger deductibles. When choosing a higher deductible, it will be necessary to have plenty of money set aside to enable you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

Who has the cheapest Honda Pilot insurance quotes?

You have a lot of ways to quote and buy auto insurance in South Dakota, but the three most common methods are through an exlusive agent like State Farm or Liberty Mutual, a non-exclusive or independent agent, or direct either online or via phone.

They all have the same basic principle, but it’s important to point out the distinctions in how they price policies.

Independent insurance agencies write for multiple companies and can do rate comparisons with each one. They can give you more rates, which may give you improved chances of finding a lower rate. If a cheaper rate is found, you can get a different policy which makes it simple for you.

An exclusive ageny is ‘exlusive’ to a single company, two examples being an Allstate or Liberty Mutual agent. Exclusive agents cannot place coverage with different providers, which requires you to shop around.

Opting to purchase auto insurance direct means you skip local insurance agents and instead shop direct online or over the phone from a company like Geico or Progressive. Buying auto insurance direct may be the best choice drivers who do not have complex finances and know what auto insurance covers and what it doesn’t.

So which of those three methods works best for finding cheap insurance for a Honda Pilot in South Dakota? It would be obvious to point out buying from a direct company results in the cheapest rates since that eliminates agent commissions, but that is not always the case. It would also be easy to say buying auto insurance from an independent agent guarantees the cheapest rates due to having more companies to select from, but that’s not always true, either. In some circumstances, the exclusive agents have price quotes that cannot be met by either independent or direct companies.

Since auto insurance prices are based on many different factors, the best method to buy the cheapest coverage is to compare lots of quotes. The ideal approach is to get quotes from all three to give yourself plenty of rates to compare. A great place to start is our list of online companies offering discounts: click here to view.

How to get cheap insurance for a Honda Pilot in South Dakota

The list below details many thrifty solutions that can help South Dakota drivers quote low-cost coverage.

• Staying accident-free helps keep rates low
• Do not pay for comprehensive and collision coverage on older vehicles
• Buy safe vehicles
• Improve your credit rating
• Multi-policy discounts save money
• Compare rate quotes frequently

The last idea is very crucial, as was affirmed in the article above. Prices charged by companies can be changed at any time, so drivers shouldn’t hesitate to switch to a new company if a more affordable price is available. Many consumers stick with the same company and that’s fine, but it’s not recommended if that loyalty results in overpaying big bucks every year. Spend a few minutes and shop around to find cheaper insurance for a Honda Pilot.

Company comparison: Allstate vs State Farm vs Geico vs Progressive

When comparing rates for insurance for a Pilot in South Dakota, the four most popular companies are Allstate, State Farm, Geico, and Progressive. They all have the same basic coverages, but each one has a slightly different mix of options and features that may affect your buying decision. The table below ranks price and claims rank as well as some different options that are available from each company.