Best Ways to Save on Colorado Springs Honda Pilot Insurance

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We don't have to point out that fact that car insurance companies don't want their policyholders to compare prices. Insureds who get comparison quotes once a year are highly likely to buy a different policy because they have a good chance of finding a lower-priced policy. A recent survey discovered that drivers who made a habit of comparing rate quotes saved as much as $70 a month compared to policyholders who never shopped around for better prices.

If finding discount rates on Honda Pilot insurance in Colorado Springs is the reason you're reading this, then having some insight into the best way to shop and compare insurance can make it easier for you to save money.

Insurance for Honda PilotThe most effective way to find affordable quotes for Honda Pilot insurance is to compare quotes once a year from insurers who provide car insurance in Colorado Springs. Prices can be compared by following these guidelines.

  1. Read and learn about individual coverages and the measures you can control to keep rates in check. Many rating factors that increase rates like inattentive driving and an imperfect credit score can be controlled by improving your driving habits or financial responsibility.
  2. Quote rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from one company like Progressive or State Farm, while independent agencies can provide price quotes from multiple insurance companies.
  3. Compare the quotes to the premium of your current policy to see if a cheaper price is available. If you find a lower rate quote and make a switch, ensure there is no coverage lapse between policies.

The most important part of this process is that you'll want to compare identical deductibles and limits on every quote and and to get rates from as many car insurance companies as possible. This ensures a fair rate comparison and a complete price analysis.

Finding the cheapest insurance coverage in Colorado Springs can be much easier if you know how to start. If you are already insured or need new coverage, you can use these techniques to shop for the lowest rates and still get good coverage. Shoppers just have to understand the best way to compare rate quotes on the web.

The fastest way that we advise to get rate comparisons for Honda Pilot insurance in Colorado Springs is to know most insurance companies pay for the opportunity to compare their rates. To get started, all you need to do is give them some information including any included safety features, whether your vehicle is owned or leased, driver details, and how you use your vehicles. That rating data is instantly provided to multiple different insurance companies and they respond with quotes immediately.

To find lower affordable Honda Pilot insurance rates now, click here and find out if lower rates are available in Colorado Springs.

The companies shown below are ready to provide free quotes in Colorado. To locate cheap auto insurance in CO, it's highly recommended you click on several of them to get the best price comparison.

Do you qualify for discounts on Honda Pilot insurance in Colorado Springs?

Some companies do not list every policy discount very clearly, so the following is a list of both the well known in addition to some of the lesser obvious credits that you can use to lower your rates.Car insurance discounts

  • More Vehicles More Savings - Buying a policy with multiple cars or trucks with the same company can reduce the rates for all insured vehicles.
  • Clubs and Organizations - Affiliation with certain professional organizations is a simple method to lower premiums when getting a Colorado Springs car insurance quote.
  • Distant Student Discount - Children who live away from home at college and leave their car at home can be insured at a reduced rate.
  • Early Renewal Discounts - A few larger companies offer discounts for switching policies early. It could save around 10% when you buy Colorado Springs car insurance online.
  • Bundled Policy Discount - When you combine your home and auto insurance with one company they may give you a discount of at least 10% off all policies.
  • Accident Forgiveness - Not really a discount, but some companies like GEICO, State Farm, and Progressive will allow you to have one accident without getting socked with a rate hike as long as you don't have any claims for a specific time period.
  • No Claim Discounts - Drivers with accident-free driving histories can save substantially in comparison with drivers with a long claim history.
  • Air Bag Discount - Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts as much as 30%.
  • Seat Belt Usage - Drivers who always wear seat belts and also require passengers to wear their seat belts may be able to save a few bucks off PIP or medical payments premium.

Just know that most of the big mark downs will not be given to all coverage premiums. Most only reduce specific coverage prices like medical payments or collision. Even though it appears you could get a free car insurance policy, you won't be that lucky.

The example below shows the difference between Honda Pilot insurance prices with and without discounts applied. The price estimates are based on a male driver, a clean driving record, no claims, Colorado state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, homeowner, safe-driver, multi-policy, and multi-car discounts applied.

To view car insurance companies who offer free Honda Pilot insurance quotes in Colorado Springs, click here.

Honda Pilot coverage statistics

The premium table shown next covers estimates of insurance policy prices for Honda Pilot models. Learning how policy premiums are figured is important for you to make smart choices when comparing insurance quotes.

Honda Pilot Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $260 $462 $396 $24 $118 $1,260 $105
Pilot EX 2WD $294 $462 $396 $24 $118 $1,294 $108
Pilot EX 4WD $294 $462 $396 $24 $118 $1,294 $108
Pilot EX-L 2WD $294 $562 $396 $24 $118 $1,394 $116
Pilot EX-L 4WD $294 $562 $396 $24 $118 $1,394 $116
Pilot Touring 2WD $294 $562 $396 $24 $118 $1,394 $116
Pilot Touring 4WD $294 $562 $396 $24 $118 $1,394 $116
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Prices do not factor in specific location information which can lower or raise premiums significantly.

Should you raise deductibles?

One of the most common insurance questions is how high should the deductibles for physical damage be. The comparison tables below help summarize the differences in premium rates of buying low and high comp and collision deductibles. The first set of prices uses a $250 deductible for comp and collision and the second data table uses a $1,000 deductible.

Honda Pilot insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $272 $376 $352 $20 $106 $1,151 $96
Pilot EX 2WD $306 $376 $352 $20 $106 $1,185 $99
Pilot EX 4WD $306 $376 $352 $20 $106 $1,185 $99
Pilot EX-L 2WD $306 $458 $352 $20 $106 $1,267 $106
Pilot EX-L 4WD $306 $458 $352 $20 $106 $1,267 $106
Pilot Touring 2WD $306 $458 $352 $20 $106 $1,267 $106
Pilot Touring 4WD $306 $458 $352 $20 $106 $1,267 $106
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Honda Pilot insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $168 $236 $352 $20 $106 $882 $74
Pilot EX 2WD $190 $236 $352 $20 $106 $904 $75
Pilot EX 4WD $190 $236 $352 $20 $106 $904 $75
Pilot EX-L 2WD $190 $288 $352 $20 $106 $956 $80
Pilot EX-L 4WD $190 $288 $352 $20 $106 $956 $80
Pilot Touring 2WD $190 $288 $352 $20 $106 $956 $80
Pilot Touring 4WD $190 $288 $352 $20 $106 $956 $80
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Estimates do not factor in vehicle garaging location which can modify premium rates greatly.

Based on the figures above, using a $250 deductible would cost the average driver about $25 more each month or $300 annually than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 30 months between claim filings, you would come out ahead by selecting a higher deductible.

Reckless driving habits raise Colorado Springs insurance rates

The diagram below shows how speeding tickets and accidents can affect Honda Pilot auto insurance costs for different age groups. The costs are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

Gender-based insurance premiums in Colorado Springs

The diagram below illustrates the difference between Honda Pilot car insurance rates for male and female drivers. The premiums assume no claims, a clean driving record, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no policy discounts are applied.

Why You Might Pay Inflated Rates in Colorado Springs

Lots of things are taken into consideration when you get your auto insurance bill. Some of the criteria are obvious like your driving record, but other criteria are less obvious like your continuous coverage or your vehicle rating. The best way to find cheaper auto insurance is to take a look at the different types of things that go into determining your premiums. If you have a feel for what positively or negatively impacts your premiums, this allows you to make good choices that could result in lower premium levels.

Shown below are most of the major factors utilized by car insurance companies to help set rates.

Higher deductibles lower premiums - Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Honda. Some examples of covered claims are a dented fender, damage caused by hail, and damage caused by flying debris. Deductibles for physical damage state the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The more expense the insured has to pay upfront, the lower your rates will be.

Bundle and save - Lots of insurers will give discounts for people who consolidate policies with them, otherwise known as a multi-policy discount. The amount of the discounts can be anywhere from five to ten percent in most cases. Even if you qualify for this discount already, consumers should still shop around to ensure the best deal.There is a good possibility that you can save money by buying insurance from more than one company.

Does your occupation cost you more? - Did you know that where you work can have an impact on rates? Careers such as doctors, airline pilots, and emergency personnel tend to have the highest average rates in part from high stress levels and incredibly demanding work hours. Other careers such as actors, students and homemakers have the lowest average rates.

Alarm systems systems cut premiums - Owning a car with advanced anti-theft systems can save you a little every year. Systems that thwart thieves like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart your car from being stolen.

Rates are affected by your address - Residing in a rural area can be a good thing when buying auto insurance. People in densely populated areas have to deal with more auto accidents and much longer commute distances. Less people living in that area means reduced accidents in addition to lower liability claims.

Insurance losses for a Honda Pilot - Insurers include the past claim trends for vehicles to help set a rate to offset losses. Vehicles that tend to have higher claim amounts or frequency will have higher rates.

The table below shows the loss history for Honda Pilot vehicles. For each policy coverage type, the loss probability for all vehicles, without regard to make or model, is a value of 100. Values below 100 suggest a positive loss record, while values over 100 indicate frequent claims or a tendency for claims to be larger.

Honda Pilot Insurance Claim Statistics
Specific Honda Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Honda Pilot 4dr 2WD 70 96 69 82 82 86
Honda Pilot 4dr 4WD 79 105 81 88 74 82
BETTER
AVERAGE
WORSE

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years