Honda Pilot insurance image courtesy of QuoteInspector.com
Trying to come up with a payment for overpriced insurance can deplete your savings account and put the squeeze on your family's finances.
Unthinkable but true, the vast majority of drivers renewed their policy with the same company for well over three years, and virtually 40% of consumers have never compared quotes from other companies. Most drivers in San Antonio could save about $1,800 each year, but they think it's difficult to compare rates and save money.
Big companies like Allstate, Liberty Mutual and State Farm increase brand awareness with TV and radio ads and it is challenging if not impossible to ignore the promise of big savings and do the work needed to find the best deal.
If you have a current insurance policy, you should be able to reduce the price you pay using the techniques presented in this article. Finding affordable insurance coverage in San Antonio is really quite simple as long as you have a good starting point. Although Texas vehicle owners must learn the way companies set your policy premium and apply this information to your search.
Companies offering Honda Pilot insurance in Texas
The following companies have been selected to offer comparison quotes in San Antonio, TX. If multiple companies are shown, it's a good idea that you visit several of them to get the best price comparison.
Analysis of coverages
The data table displayed next highlights detailed analysis of policy rates for Honda Pilot models. Being able to understand how auto insurance prices are calculated can be valuable when making smart choices when selecting a coverage provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$286||$400||$388||$24||$116||$1,214||$101|
|Pilot EX 2WD||$322||$400||$388||$24||$116||$1,250||$104|
|Pilot EX 4WD||$322||$400||$388||$24||$116||$1,250||$104|
|Pilot EX-L 2WD||$322||$486||$388||$24||$116||$1,336||$111|
|Pilot EX-L 4WD||$322||$486||$388||$24||$116||$1,336||$111|
|Pilot Touring 2WD||$322||$486||$388||$24||$116||$1,336||$111|
|Pilot Touring 4WD||$322||$486||$388||$24||$116||$1,336||$111|
|Get Your Own Custom Quote Go|
Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Premium costs do not factor in zip code location which can change price quotes substantially.
Gender differences in car insurance premiums
The example below compares Honda Pilot insurance costs for male and female drivers. The data is based on no accidents or driving violations, comprehensive and collision coverage, $500 deductibles, drivers are single, and no policy discounts are applied.
Rate difference between full and liability-only coverage
The example below visualizes the comparison of Honda Pilot insurance costs when comparing full coverage to liability only. The prices are based on a clean driving record, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are taken into consideration.
When to drop comprehensive and collision coverage
There is no written rule for dropping physical damage insurance, but there is a general guideline you can use. If the yearly cost of full coverage is more than about 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let's say your Honda Pilot settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after paying your deductible. If you are paying over $700 a year for full coverage, then it might be time to buy liability only.
There are some circumstances where dropping physical damage coverage is not financially feasible. If you still have a lienholder on your title, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you don't have enough money to buy a different vehicle in case of an accident, you should not eliminate full coverage.
San Antonio insurance discounts
Auto insurance companies do not list all their discounts in a way that's easy to find, so the next list breaks down both the well known in addition to some of the lesser obvious discounts that you can inquire about if you buy San Antonio car insurance online.
- Policy Bundle Discount - When you have multiple policies with one company you may earn over 10 percent off each policy depending on the company.
- ABS Braking Discount - Cars, trucks, and SUVs equipped with ABS or steering control can stop better under adverse conditions and therefore earn up to a 10% discount.
- Sign Online - Certain insurance companies provide a small discount for signing up on the web.
- No Accidents - San Antonio drivers who stay claim-free are rewarded with significantly better rates on San Antonio car insurance quote in comparison with policyholders that have many claims.
- Telematics Discount - People who choose to allow driving data collection to spy on their driving habits by using a telematics device like In-Drive from State Farm and Progressive's Snapshot could see a rate decrease as long as the data is positive.
- Early Signing - A few insurance companies offer discounts for switching policies prior to your current Pilot insurance policy expiring. You can save around 10% with this discount.
- Good Students Pay Less - Being a good student may save you up to 25%. The good student discount can last well after school through age 25.
- Auto/Life Discount - If the company offers life insurance, you could get a discount if you purchase life insurance from them.
Discounts lower rates, but most discounts do not apply to the whole policy. Most only cut the cost of specific coverages such as collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, it doesn't quite work that way.
The example below compares Honda Pilot insurance costs with and without discounts. The data assumes a male driver, no claims or driving violations, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, multi-car, claim-free, and multi-policy discounts applied.
To view insurance companies that provide some of the discounts listed above in Texas, click this link.
Should I get advice from an insurance agent?
A lot of people just want to sit down with an agent and that is a personal choice. The biggest benefit of comparing insurance prices online is the fact that drivers can get cheap rate quotes but still work with a licensed agent.
After filling out this short form, the coverage information is sent to insurance agents in San Antonio who will gladly provide quotes for your insurance coverage. You never need to drive around because prices are sent directly to your email. You can find the lowest rates and work with a local agent. In the event you want to get a comparison quote from a particular provider, you just need to search and find their rate quote page and fill out their quote form.
Finding the right insurance company needs to be determined by more than just the price. Some important questions to ask are:
- Can they help ensure a fair claim settlement?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Does the company have a solid financial rating?
- Are they full-time agents?
- Did they already check your driving record and credit reports?
Choose the right auto insurance agent
If you need to find local San Antonio agents, it helps to know the two different agency structures from which to choose. San Antonio agents can be classified as either independent agents or exclusive agents depending on their employer.
Exclusive Auto Insurance Agents
Agents that elect to be exclusive can only place business with one company and examples are Farmers Insurance, State Farm, Allstate, and AAA. These agents are not able to compare other company's rates so if the price isn't competitive there isn't much they can do. These agents receive a lot of sales training on what they offer which helps offset the inability to provide other markets.
Listed below is a short list of exclusive agents in San Antonio who may provide you with comparison quotes.
Independent Agents (or Brokers)
Independent agents are normally appointed by many insurers so they can quote policies with any number of different companies and find the cheapest rate. If you are not satisfied with one company, they simply switch companies in-house and the insured can keep the same agent.
If you are comparing auto insurance prices, we highly recommend that you get quotes from at a minimum one independent agency for maximum quote selection.
The following is a list of independent agencies in San Antonio that can give you comparison quotes.
Garcia Insurance Agency
1255 SW Military Dr - San Antonio, TX 78221 - (210) 593-8935 - View Map
Upon getting positive responses in addition to an acceptable price estimate, you've probably found a car insurance agent that can properly service your auto insurance policy.
How much insurance do I need?
When quoting and comparing the best insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Your needs are not the same as everyone else's so this has to be addressed. For example, these questions can aid in determining whether you may require specific advice.
- Am I covered if I drive in a foreign country?
- Can I pay claims out-of-pocket if I buy high deductibles?
- What policy terms are available?
- Why am I required to buy liability insurance?
- Who is covered by my policy?
- If my Honda Pilot is totaled, can I afford another vehicle?
- Should I have a commercial auto policy?
- Is rental equipment covered for theft or damage?
- Where can I find DUI or SR-22 insurance?
- What is an SR-22 filing?
If you can't answer these questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier
Parts of your insurance policy
Understanding the coverages of your insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverages offered by insurance companies.
Liability insurance can cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU from legal claims by others. Liability doesn't cover damage to your own property or vehicle.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 30/60/25 which means $30,000 in coverage for each person's injuries, $60,000 for the entire accident, and $25,000 of coverage for damaged property.
Liability coverage protects against things such as pain and suffering, medical services and bail bonds. How much coverage you buy is a personal decision, but it's cheap coverage so purchase as much as you can afford. Texas state law requires minimum liability limits of 30/60/25 but it's recommended drivers buy better liability coverage.
The next chart shows why buying minimum limits may not be enough coverage.
Collision insurance will pay to fix damage to your Pilot resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things such as rolling your car, colliding with another moving vehicle, backing into a parked car, scraping a guard rail and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible on your Pilot to save money on collision insurance.
Uninsured and underinsured coverage
This gives you protection when the "other guys" do not carry enough liability coverage. It can pay for injuries sustained by your vehicle's occupants as well as damage to your Honda Pilot.
Because many people only carry the minimum required liability limits (Texas limits are 30/60/25), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.
This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims like hail damage, rock chips in glass, theft, damage from a tornado or hurricane and damage from flooding. The maximum payout your insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.
Coverage for medical payments
Coverage for medical payments and/or PIP kick in for immediate expenses for rehabilitation expenses, EMT expenses, pain medications and dental work. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
Persistence will pay off
Some companies don't offer price quotes online and these small, regional companies work with independent agencies. Cheaper car insurance in San Antonio can be found from both online companies as well as from insurance agents, and you should compare price quotes from both to have the best rate selection.
As you quote San Antonio car insurance, it's not a good idea to buy poor coverage just to save money. In many instances, drivers have reduced full coverage only to regret that the savings was not a smart move. The aim is to buy the best coverage you can find at a price you can afford and still be able to protect your assets.
More tips and info about car insurance can be found at these sites:
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance Quotes for Teenage Males in San Antonio? (FAQ)
- How Much is San Antonio Auto Insurance for High School Students? (FAQ)
- Who Has Affordable San Antonio Auto Insurance Rates for a Toyota RAV4? (FAQ)
- Top Signs Your Brakes are Giving Out (State Farm)
- Credit Impacts Car Insurance Rates (State Farm)
- Driving in Bad Weather (Insurance Information Institute)
- Choosing an Insurance Company (Insurance Information Institute)