Save Money on Honda Pilot Insurance in Boston

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Honda Pilot insurance rates
Honda Pilot insurance rates image courtesy of QuoteInspector.com

Insurance rates Honda Pilot in BostonThe most effective way to get low-cost car insurance rates in Boston is to annually compare prices from providers in Massachusetts. This can be done by completing these steps.

Step 1: Read and learn about how car insurance works and the modifications you can make to prevent expensive coverage. Many factors that increase rates such as tickets, at-fault accidents, and an unacceptable credit score can be improved by making small lifestyle or driving habit changes. This article gives additional tips to get cheaper coverage and find hidden discounts.

Step 2: Request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO or Farmers Insurance, while independent agencies can provide prices for many different companies.

Step 3: Compare the new rates to your existing policy to see if a cheaper price is available. If you find a lower rate and make a switch, make sure coverage does not lapse between policies.

Step 4: Provide written notification to your current company of your intent to cancel your existing policy and submit a down payment and signed policy application to your new carrier. Once the application is submitted, store the certificate verifying coverage in an easily accessible location in your vehicle.

A tip to remember is to try to use identical coverages on every price quote and and to get price estimates from as many different companies as possible. Doing this helps ensure an apples-to-apples comparison and a complete price analysis.

Sad but true, a large majority of drivers have been with the same company for over three years, and approximately 38% of consumers have never quoted rates to find cheap coverage. Massachusetts insurance shoppers could pocket approximately $600 a year, but they just don't want to shop their coverage around.

If you are insured now or need new coverage, use these tips to reduce the price you pay without reducing protection. This information will teach you a little about how to effectively get price quotes and some tricks to saving. Vehicle owners just have to learn the least time-consuming way to compare different rates instantly.

Most larger insurance companies such as Allstate and Progressive allow consumers to get coverage price quotes from their websites. Getting online rates for Honda Pilot insurance in Boston is easy for anyone as you simply enter your required coverages into a form. When complete, the system automatically retrieves reports for credit and driving violations and returns pricing information based on these and other factors.

Quoting online for Honda Pilot insurance in Boston streamlines rate comparisons, and it's very important to do this in order to get cheap insurance pricing.

To quickly compare rates using this form now, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you enter the coverages exactly as shown on your declarations page. Doing this assures you will have an apples-to-apples comparison based on the exact same insurance coverage.

The companies shown below are our best choices to provide price comparisons in Massachusetts. If your goal is to find cheap auto insurance in Boston, MA, it's a good idea that you compare several of them in order to find the lowest rates.

Insurance does more than just repair your car

Despite the high cost, insurance is required in Massachusetts but it also protects you in many ways.

First, just about all states have compulsory liability insurance requirements which means you are required to buy a specific minimum amount of liability in order to be legal. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you took out a loan on your vehicle, most lenders will have a requirement that you have insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Honda for a lot more money and force you to pay a much higher amount than you were paying before.

Third, insurance safeguards both your car and your personal assets. It will also reimburse you for hospital and medical expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, also covers legal expenses in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will cover the repair costs.

The benefits of insuring your Pilot are without a doubt worth the cost, specifically if you ever have a liability claim. Unknowingly, the average driver is wasting up to $800 each year so it's very important to do a rate comparison at least once a year to be sure current rates are still competitive.

Honda Pilot insurance analysis

The premium table displayed next highlights different insurance policy prices for Honda Pilot models. Understanding how rate quotes are calculated can assist in making decisions on the best policy to buy.

Honda Pilot Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $224 $362 $320 $18 $96 $1,020 $85
Pilot EX 2WD $254 $362 $320 $18 $96 $1,050 $88
Pilot EX 4WD $254 $362 $320 $18 $96 $1,050 $88
Pilot EX-L 2WD $254 $442 $320 $18 $96 $1,130 $94
Pilot EX-L 4WD $254 $442 $320 $18 $96 $1,130 $94
Pilot Touring 2WD $254 $442 $320 $18 $96 $1,130 $94
Pilot Touring 4WD $254 $442 $320 $18 $96 $1,130 $94
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in specific garaging location which can impact coverage rates considerably.

Deductible comparison

One common question asked by Boston drivers is how low should you set your deductibles. The data tables below lay out the differences in price when you buy lower versus higher insurance deductibles. The first set of prices uses a $250 deductible and the second price chart uses a $500 deductible.

Honda Pilot insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $258 $358 $334 $20 $100 $1,095 $91
Pilot EX 2WD $292 $358 $334 $20 $100 $1,129 $94
Pilot EX 4WD $292 $358 $334 $20 $100 $1,129 $94
Pilot EX-L 2WD $292 $436 $334 $20 $100 $1,207 $101
Pilot EX-L 4WD $292 $436 $334 $20 $100 $1,207 $101
Pilot Touring 2WD $292 $436 $334 $20 $100 $1,207 $101
Pilot Touring 4WD $292 $436 $334 $20 $100 $1,207 $101
Get Your Own Custom Quote Go
Honda Pilot insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $210 $288 $334 $20 $100 $952 $79
Pilot EX 2WD $236 $288 $334 $20 $100 $978 $82
Pilot EX 4WD $236 $288 $334 $20 $100 $978 $82
Pilot EX-L 2WD $236 $350 $334 $20 $100 $1,040 $87
Pilot EX-L 4WD $236 $350 $334 $20 $100 $1,040 $87
Pilot Touring 2WD $236 $350 $334 $20 $100 $1,040 $87
Pilot Touring 4WD $236 $350 $334 $20 $100 $1,040 $87
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Price information does not factor in specific location which can raise or lower auto insurance rates greatly.

Based on the figures above, using a $250 deductible costs approximately $14 more each month or $168 annually than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 18 months between claim filings, you would most likely save money going with the higher deductible.

Calculation for raising deductibles

Average monthly premium for $250 deductibles: $98
Average monthly premium for $500 deductibles (subtract): - $84
Monthly savings from raising deductible: $14
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

The chart below shows how choosing a deductible and can affect Honda Pilot insurance costs for different age groups. The premiums assume a single male driver, comp and collision included, and no discounts are taken into consideration.

Rate increases following a ticket or accident

The example below shows how traffic citations and at-fault collisions can increase Honda Pilot premium costs for different age groups. The prices are based on a married male driver, comp and collision included, $250 deductibles, and no discounts are applied.

Impact of age and gender on car insurance rates

The information below compares Honda Pilot insurance costs for male and female drivers. The data assumes a clean driving record, no claims, comprehensive and collision coverage, $500 deductibles, single marital status, and no discounts are taken into consideration.

Full coverage versus liability only rates

The example below illustrates the comparison of Honda Pilot insurance rates with full physical damage coverage compared to only buying liability only. The data assumes no claims or driving citations, $100 deductibles, single marital status, and no additional discounts are factored in.

Should you buy full coverage or liability only?

There is no set guideline that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is more than about 10% of the vehicle's replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let's pretend your Honda Pilot book value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $7,000 after you pay the deductible. If you are currently paying more than $700 annually to have full coverage, then it might be time to buy liability only.

There are a few cases where only buying liability is not recommended. If you haven't paid off your loan, you are required to maintain full coverage to protect the lienholder's interest. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

Discounts can help save money on Honda Pilot insurance in Boston

Auto insurance is not cheap nor is it fun to buy but there's a good chance there are discounts that could drop your premiums quite a bit. A few discounts will be applied at quote time, but a few need to be specifically requested before you get the savings. If you're not getting every credit you qualify for, you could be getting lower rates.Cheaper auto insurance with discounts

  • Active Military Service - Having a family member in the military could be rewarded with lower auto insurance rates.
  • Membership in Organizations - Joining qualifying clubs or civic groups could earn you a nice discount on your next renewal.
  • Anti-lock Brake Discount - Vehicles that have anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • New Car Discount - Insuring a vehicle that is new can cost up to 25% less due to better safety requirements for new model year vehicles.
  • Accident Forgiveness - This isn't a discount exactly, but certain companies will let one accident slide without getting socked with a rate hike with the catch being you have to be claim-free prior to the accident.
  • Defensive Driver Discounts - Completing a defensive driver course is a good idea and can lower rates if you qualify.
  • E-sign Discounts - Some auto insurance companies will give you a small discount for signing up on the web.
  • Good Student - This discount can save 20 to 25%. You can use this discount normally well after school through age 25.
  • Telematics Data - People who choose to allow driving data collection to monitor their driving habits by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks as long as they are good drivers.
  • Claim Free - Insureds with no claims or accidents get the best auto insurance rates as compared to bad drivers.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce specific coverage prices like collision or personal injury protection. Despite the appearance that it's possible to get free car insurance, nobody gets a free ride.

The information below illustrates the difference between Honda Pilot premium costs with and without discounts applied to the premium. The data assumes a female driver, no violations or accidents, Massachusetts state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, safe-driver, marriage, and multi-car discounts applied.

To view insurance companies with discount rates in Massachusetts, follow this link.

Auto insurance agents near you

Certain consumers would prefer to talk to a local agent and there is nothing wrong with that. Most agents can help you build your policy and help you file claims. One of the benefits of comparing insurance prices online is the fact that you can find cheaper rates and still buy from a local agent.

Insurance agency in BostonAfter filling out this form (opens in new window), your insurance data is submitted to insurance agents in Boston that give free quotes for your coverage. It simplifies rate comparisons since you won't have to search for an agent since rate quotes are delivered to your email. If you wish to get a comparison quote from a specific insurance company, don't hesitate to go to their quote page and fill out their quote form.

Deciding on an company is decision based upon more than just a cheap price. Here are some questions to ask:

  • Did they already check your driving record and credit reports?
  • Which members of your family are coverage by the policy?
  • Can they give you a list of client referrals?
  • Does the company allow you to choose your own collision repair facility?
  • Are they able to influence company decisions when a claim is filed?
  • Are they primarily personal or commercial lines agents in Boston?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Is coverage determined by price?

Two different types of auto insurance agents

If you're trying to find a local Boston insurance agency, you must know there are a couple different types of agents and how they are distinctly different. Insurance agents in Boston are either independent or exclusive. Both write policy coverage, but it is important to understand the differences since it can affect the type of agent you choose.

Exclusive Agents

Agents that elect to be exclusive generally can only insure with one company and some examples include Farmers Insurance and State Farm. They generally cannot provide rate quotes from other companies so keep that in mind. Exclusive agents receive extensive training on their products and sales techniques which helps them compete with independent agents. Some insured continue to use the same agent mainly due to high brand loyalty rather than low price.

Below is a list of exclusive agencies in Boston that are able to give price quotes.

More insurance agents

Independent Agents

These type of agents are not required to write business for one company so they can insure your vehicles with multiple insurance companies and find you the best rates. If you are not satisfied with one company, an independent agent can move your coverage which makes it simple for you. When comparing insurance rates, it's recommended you get rate quotes from at least one independent agent to have the best price comparison. A lot of them also have access to small regional insurance companies that may have much lower rates than larger companies.

The following is a short list of independent insurance agencies in Boston willing to provide price quotes.

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When to get professional advice

Always keep in mind that when comparing adequate coverage, there isn't really a "perfect" insurance plan. Every situation is different and your insurance should be unique as well.Safe vehicles cost less to insure These are some specific questions can help discover whether or not you might need an agent's assistance.

  • Should I have combined single limit or split liability limits?
  • Does insurance cover damages from a DUI accident?
  • Can I make deliveries for my home business?
  • What companies insure drivers after a DUI or DWI?
  • I don't drive much so do I pay less?
  • How do I buy GAP insurance?
  • Do I need PIP (personal injury protection) coverage in Massachusetts?
  • Can my babysitter drive my car?
  • Am I covered when pulling a rental trailer?
  • Who is covered when they drive my Honda Pilot?

If you're not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It is quick, free and can help protect your family.

Don't give up on cheaper rates

As you shop your coverage around, never buy poor coverage just to save money. In too many instances, an accident victim reduced liability limits or collision coverage only to regret at claim time that it was a big mistake. Your objective should be to buy the best coverage you can find for the lowest cost while still protecting your assets.

Low-cost Honda Pilot insurance in Boston is available both online and also from your neighborhood Boston agents, so you need to shop Boston auto insurance with both to have the best selection. There are still a few companies who do not offer rates over the internet and most of the time these smaller providers provide coverage only through local independent agencies.

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