Cheap Quotes for Honda Pilot Insurance in Baltimore

Wish you could get a refund on an expensive auto insurance policy? Trust us when we tell you there are many people just like you.

Shocking but true, a large majority of drivers have been with the same company for at least the last four years, and approximately 38% of consumers have never compared quotes from other companies. With the average premium in Maryland being $1,490, drivers could pocket up to $750 a year, but they think it’s difficult to do a rate comparison.

Steps to finding lower priced Honda Pilot insurance in Baltimore

The preferred way to find low-cost Honda Pilot insurance in Baltimore is to compare quotes once a year from different companies who sell auto insurance in Maryland. Drivers can shop around by following these steps.

1. Spend a few minutes and learn about how insurance works and the changes you can make to prevent high rates. Many rating criteria that are responsible for high rates such as speeding and poor credit can be eliminated by improving your driving habits or financial responsibility. This article provides information to help keep prices low and get bigger discounts.
2. Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from a single company like GEICO or Allstate, while independent agents can give you price quotes for a wide range of insurance providers.
3. Compare the new rate quotes to your existing rates to see if a cheaper rate is available in Baltimore. If you find a lower rate quote, make sure coverage does not lapse between policies.

The key thing to know about shopping around is to try to compare identical deductibles and limits on each quote and and to look at as many companies as you can. Doing this ensures an apples-to-apples comparison and a complete selection of prices.

Multiple insurance companies compete for your business, so it’s not easy to compare every insurance company to get the best rate on Honda Pilot insurance in Baltimore.

Consumers need to compare premium rates as often as possible since insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rate on Honda Pilot insurance in Baltimore a year ago you can probably find a lower rate today. Forget all the misinformation about auto insurance because you’re about to learn the fastest and easiest way to find the best coverage while lowering your premiums.

Companies offering Honda Pilot insurance in Baltimore

The providers in the list below are ready to provide price comparisons in Maryland. If you want to find cheap auto insurance in Baltimore, we suggest you click on several of them in order to get a fair rate comparison.

Honda Pilot insurance rate analysis

The table shown below outlines a range of insurance rates for Honda Pilot models. Being aware of how rate quotes are formulated can be of help when making smart choices when comparing insurance quotes.

Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in Baltimore location which can alter premium rates greatly.

Raise deductibles and save

One of the most common car insurance questions is which deductibles should you choose. The following insurance rates sum up the rate fluctuation when you choose different policy deductibles. The first pricing table uses a $250 deductible for comp and collision and the second price grid uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Estimates do not factor in your specific Baltimore location which can increase or decrease price quotes significantly.

Based on this data, using a $250 deductible costs approximately $15 more each month or $180 for a full year than selecting the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 17 months between claim filings, you would more than likely save some money if you choose the higher deductible. The numbers below show the way you can perform this determination yourself.

One thing to note is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself when you have a physical damage claim. You must have enough extra savings in the event you have to pay the higher deductible in order to repair your vehicle.

Drive safe and save

The example below highlights how speeding tickets and accidents can increase Honda Pilot insurance costs for different insured age categories. The premiums assume a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

Premiums by gender and age

The diagram below shows the comparison of Honda Pilot insurance rates for male and female drivers. The costs are based on no claims, a clean driving record, comprehensive and collision coverage, $1,000 deductibles, single status, and no discounts are applied to the premium.

Honda Pilot liability-only versus full coverage

The chart below illustrates the difference between Honda Pilot yearly insurance costs with full coverage and liability only. The premiums assume a clean driving record, no claims, $100 deductibles, drivers are not married, and no discounts are applied to the premium.

When to drop comprehensive and collision

There is no specific rule to stop paying for physical damage coverage, but there is a general convention. If the annual cost of having full coverage is 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Honda Pilot claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $4,000 after paying your deductible. If it’s costing in excess of $400 annually for full coverage, then you might want to think about dropping full coverage.

There are some scenarios where dropping physical damage coverage is not a good plan. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.

Slash rates with these ten rate reducing discounts

Auto insurance is not cheap nor is it fun to buy but you might find some hidden discounts that you may not even know about. Some discounts apply automatically when you complete an application, but some need to be manually applied in order for you to get them.

• Low Mileage Discounts – Keeping the miles down on your Honda can earn cheaper rates.
• Baltimore Homeowners Discount – Owning a home in Baltimore may trigger a policy discount on auto insurance because owning a home demonstrates responsibility.
• Include Life Insurance and Save – Insurance companies who offer life insurance give a small discount if you purchase a life policy as well.
• Memberships – Joining qualifying employment or professional organizations can get you a small discount when shopping for auto insurance.
• Student in College – Children who are enrolled in higher education away from home and won’t have access to an insured vehicle may be able to be covered for less.
• Full Payment Discount – If you can afford to pay the entire bill rather than spreading payments over time you can actually save on your bill.
• Auto/Home Discount – If you combine your auto and home policies and insure them with the same company you could get a discount of up to 20% and get you inexpensive Honda Pilot insurance in Baltimore.
• Seat Belts Save – Forcing all vehicle occupants to buckle their seat belts may be able to save a few bucks off PIP or medical payments premium.
• Good Student – Performing well in school may save you up to 25%. Earning this discount can benefit you until age 25.
• Accident Free – Drivers who don’t have accidents have much lower rates as compared to policyholders that have many claims.

You can save money using discounts, but many deductions do not apply to the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, that’s just not realistic.

The chart below compares Honda Pilot car insurance rates with and without discounts applied to the premium. The information is based on a male driver, no tickets, no at-fault accidents, Maryland state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, marriage, homeowner, multi-policy, and safe-driver discounts applied.

Companies who might offer many of the previously listed discounts include:

• State Farm
• GEICO
• Progressive
• 21st Century
• American Family
• The Hartford
• AAA

When comparing rates, check with all companies you are considering which discounts you qualify for. Some credits might not be available to policyholders everywhere. If you would like to see a list of insurance companies that have a full spectrum of discounts in Maryland, click here to view.

Insurance agent or online?

Many people still prefer to have an agent’s advice and there is nothing wrong with that. One of the best bonuses of getting free rate quotes online is you can get lower rates but still work with a licensed agent.

By using this quick form, the coverage information is instantly submitted to agents in your area who will return price quotes to get your business. You won’t need to even leave your home as quotes are delivered to you directly. You can find lower rates and work with a local agent. If for some reason you want to get a rate quote from a specific company, don’t hesitate to jump over to their website and complete a quote there.

Deciding on an company is decision based upon more than just a low price. Agents should be asked these questions:

• Is the agency active in community causes in Baltimore?
• How are claims handled?
• How many years have they been established?
• What is their Better Business Bureau rating?
• Where are claims handled?
• How much training do they have in personal risk management?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• Will one accident increase rates?

Shown below are agents in Baltimore willing to provide comparison quotes for Honda Pilot insurance in Baltimore.

View more agents

Situations that may require an agent’s advice

When selecting the right insurance coverage for your vehicles, there really isn’t a best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply.
For instance, these questions may help highlight if you could use an agent’s help.

• How high should my medical payments coverage be?
• Am I covered by my spouse’s policy after a separation?
• Can I rent a car in Mexico?
• Why do I only qualify for high-risk insurance?
• If my Honda Pilot is totaled, can I afford another vehicle?
• Can I get a multi-policy discount?
• Who is covered by my policy?
• What is glass protection for?
• Should I pay a claim out-of-pocket?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Insurance coverages explained

Learning about specific coverages of your insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average insurance policy.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like prosthetic devices, chiropractic care, rehabilitation expenses and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hitting a bird, damage from flooding and falling objects. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many Maryland drivers only purchase the least amount of liability that is required (30/60/15), it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Collision insurance

Collision insurance pays for damage to your Pilot resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with a tree, crashing into a building, driving through your garage door, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible on your Pilot to get cheaper collision coverage.

Liability insurance

Liability insurance will cover injuries or damage you cause to people or other property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 30/60/15 which stand for $30,000 bodily injury coverage, a per accident bodily injury limit of $60,000, and property damage coverage for $15,000.

Liability insurance covers things such as emergency aid, legal defense fees, funeral expenses and structural damage. How much liability coverage do you need? That is up to you, but buy as large an amount as possible. Maryland requires drivers to carry at least 30/60/15 but it’s recommended drivers buy higher limits.

The chart below demonstrates why buying the state minimum limits may not provide you with enough coverage.

Cheaper coverage is out there

While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where someone dropped physical damage coverage only to regret that it was a big error on their part. Your strategy should be to get the best coverage possible for the lowest cost and still be able to protect your assets.

Affordable Honda Pilot insurance in Baltimore is possible both online and also from your neighborhood Baltimore agents, so get free Baltimore auto insurance quotes from both of them to have the best rate selection. A few companies may not have online price quotes and many times these small, regional companies sell through independent agents.

Steps to quoting cheaper Honda Pilot insurance in Baltimore

The best way to find more affordable car insurance rates in Baltimore is to compare quotes once a year from insurance carriers that insure vehicles in Maryland.

1. Read about auto insurance and the things you can control to prevent expensive coverage. Many rating criteria that result in higher prices such as at-fault accidents, speeding tickets, and a bad credit rating can be rectified by improving your driving habits or financial responsibility.
2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO or State Farm, while independent agents can give you price quotes from multiple insurance companies.
3. Compare the new rate quotes to the premium of your current policy to determine if you can save on Pilot insurance. If you find a lower rate quote and switch companies, make sure there is no coverage gap between policies.
4. Provide notification to your current agent or company of your intent to cancel your current car insurance policy and submit payment and a signed application to the new insurer. Once coverage is bound, place your new proof of insurance certificate with your registration paperwork.

A good tip to remember is to make sure you enter similar deductibles and liability limits on each price quote and to quote with all possible companies. This ensures a fair rate comparison and a complete price analysis.

For more information, feel free to browse the following helpful articles:

• Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
• Who Has Affordable Auto Insurance Rates for Drivers Over Age 50 in Baltimore? (FAQ)
• Who Has the Cheapest Car Insurance Rates for Low Credit Scores in Baltimore? (FAQ)
• Who Has Affordable Car Insurance for Homeowners in Baltimore? (FAQ)
• Who Has Cheap Baltimore Car Insurance Rates for 19 Year Olds? (FAQ)
• Who Has Cheap Car Insurance Quotes for a Honda CR-V in Baltimore? (FAQ)
• Car Insurance: When not to Skimp (BankRate.com)
• Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)