How to Save on Honda Pilot Insurance in Chula Vista

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Discount Honda Pilot insuranceEveryone knows that insurance companies want to keep you from comparing rates. Consumers who shop around for cheaper price quotes are likely to buy a different policy because there is a good chance of finding a cheaper policy. A study discovered that drivers who compared rate quotes regularly saved on average $865 a year as compared to drivers who never compared rates.

If finding the most affordable insurance in Chula Vista is your goal, knowing how to shop for insurance premiums can make it easier to shop your coverage around.

If you want to find the absolute lowest rates, then the best way to find low-cost auto insurance rates in Chula Vista is to start comparing prices regularly from insurance carriers who sell auto insurance in California.

Step 1: Try to learn a little about how insurance works and the things you can change to prevent expensive coverage. Many factors that result in higher prices like tickets, at-fault accidents, and an imperfect credit rating can be controlled by making small lifestyle or driving habit changes.

Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from one company like GEICO and Allstate, while independent agents can quote rates for many different companies.

Step 3: Compare the quotes to the premium of your current policy to see if you can save by switching companies. If you find a better price and make a switch, ensure there is no coverage lapse between policies.

Step 4: Provide proper notification to your current company to cancel your current car insurance policy and submit payment along with a signed and completed policy application to the new company. Once the application is submitted, keep your new certificate of insurance with your registration paperwork.

The key aspect of shopping around is to make sure you're comparing the same coverage limits and deductibles on every quote and and to analyze as many different insurance providers as possible. This provides an accurate price comparison and a complete rate analysis.

If you have car insurance now, you will be able to get lower rates using the tips covered below. Buying the cheapest car insurance in Chula Vista is actually quite simple. But California consumers must know how big insurance companies set your policy premium and use it to find better rates.

Choices You Make Can Impact Your Insurance Rates

An important part of buying insurance is that you know a few of the rating criteria that are used to determine your car insurance rates. When you know what positively or negatively determines base rates, this helps enable you to make changes that could help you find cheaper rates.

Getting married equates to better prices - Walking down the aisle actually saves money on your policy. Marriage means you're more responsible and it's statistically proven that married couples file fewer claims.

Car insurance rates and your vocation - Do you work in a high-stress field? Occupations like lawyers, executives, and emergency personnel usually pay higher rates than the rest of us attributed to intense work requirements and incredibly demanding work hours. Conversely, professions such as professors, students and homemakers have the lowest average rates.

Where you reside is a factor - Being located in areas with lower population has it's advantages when insuring your vehicles. People in densely populated areas have more traffic problems and more severe claims. Less people living in that area means fewer accidents.

Avoid policy lapses - Having a lapse in insurance coverage is a fast way to increase your car insurance rates. In addition to paying higher rates, getting caught without coverage may earn you a steep fine or even jail time. You may then have to file a SR-22 with the California DMV.

Do thieves like your car? - Driving a car with an alarm system can earn a premium discount. Theft deterrent systems like GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.

Insurance losses for a Honda Pilot - Insurance companies analyze past claim statistics when setting rates for each model. Models that are shown to have high amounts or severity of claims will be charged more to insure. The table shown below demonstrates the loss history for Honda Pilot vehicles.

For each coverage type, the claim amount for all vehicles, regardless of manufacturer or model, is equal to 100. Numbers under 100 represent a good loss history, while percentages above 100 point to more claims or statistically larger losses.

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

Honda Pilot insurance coverage information

The rate table shown next showcases different insurance prices for Honda Pilot models. Understanding how auto insurance policy rates are established can be valuable when making decisions when shopping around.

Honda Pilot Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $182 $292 $464 $28 $138 $1,104 $92
Pilot EX 2WD $204 $292 $464 $28 $138 $1,126 $94
Pilot EX 4WD $204 $292 $464 $28 $138 $1,126 $94
Pilot EX-L 2WD $204 $354 $464 $28 $138 $1,188 $99
Pilot EX-L 4WD $204 $354 $464 $28 $138 $1,188 $99
Pilot Touring 2WD $204 $354 $464 $28 $138 $1,188 $99
Pilot Touring 4WD $204 $354 $464 $28 $138 $1,188 $99
Get Your Own Custom Quote Go

Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Price estimates do not factor in specific Chula Vista garaging location which can decrease or increase insurance rates greatly.

Higher deductibles save money

A question often asked by Chula Vista drivers is which deductibles should you choose. The premium rates below approximate the premium difference between high and low insurance deductibles. The first set of prices uses a $100 physical damage deductible and the second price grid uses a $500 deductible.

Honda Pilot insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $380 $564 $442 $26 $132 $1,569 $131
Pilot EX 2WD $430 $564 $442 $26 $132 $1,619 $135
Pilot EX 4WD $430 $564 $442 $26 $132 $1,619 $135
Pilot EX-L 2WD $430 $686 $442 $26 $132 $1,741 $145
Pilot EX-L 4WD $430 $686 $442 $26 $132 $1,741 $145
Pilot Touring 2WD $430 $686 $442 $26 $132 $1,741 $145
Pilot Touring 4WD $430 $686 $442 $26 $132 $1,741 $145
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 $278 $382 $442 $26 $132 $1,260 $105
Pilot EX 2WD $314 $382 $442 $26 $132 $1,296 $108
Pilot EX 4WD $314 $382 $442 $26 $132 $1,296 $108
Pilot EX-L 2WD $314 $464 $442 $26 $132 $1,378 $115
Pilot EX-L 4WD $314 $464 $442 $26 $132 $1,378 $115
Pilot Touring 2WD $314 $464 $442 $26 $132 $1,378 $115
Pilot Touring 4WD $314 $464 $442 $26 $132 $1,378 $115
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Prices do not factor in the specific area where the vehicle is garaged which can change premiums noticeably.

Based on the above data, using a $100 deductible will cost you about $28 more each month or $336 each year than quoting the higher $500 deductible. Due to the fact that you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go at least 14 months between claim filings, you would save more money by going with a higher deductible.

Bad driving habits will cost you more

The illustration below highlights how traffic violations and at-fault collisions can drive up Honda Pilot car insurance rates for each age group. The rate quotes are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.

Do you need full coverage?

The diagram below shows the difference between Honda Pilot insurance premiums with and without full coverage. The costs are based on no accidents or driving violations, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

Should you be buying full coverage?

There is no definitive rule for dropping physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, then it's probably a good time to buy liability coverage only.

For example, let's assume your Honda Pilot claim settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $4,000 after the deductible is paid. If premiums are more than $400 annually to have full coverage, then it's probably a good time to buy liability coverage only.

There are a few cases where eliminating full coverage is not financially feasible. If you still have a lienholder on your title, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should keep full coverage.

Check for these discounts

Some insurance providers don't necessarily list all their discounts in a way that's easy to find, so here is a list both the well known and the harder-to-find discounts you could be receiving when you buy Chula Vista auto insurance online. If you don't get every credit possible, you are paying more than you should be.Discount auto insurance

  • Military Discounts - Having a deployed family member may lower your rates slightly.
  • Good Driver Discounts - Safe drivers may receive a discount up to 45% than their less cautious counterparts.
  • Early Renewal Discounts - Select larger companies give a discount for switching to them before your current expiration date. You can save around 10% with this discount.
  • Discount for Life Insurance - Not all insurance carriers offer life insurance, but some may give you a small discount if you purchase life insurance.
  • Anti-lock Brake Discount - Vehicles that have anti-lock braking systems can reduce accidents so you can save 10 percent or more.
  • Telematics Data - Drivers who elect to allow driving data collection to monitor driving habits by using a telematics device such as State Farm's In-Drive may see discounts if they exhibit good driving behavior.

It's important to understand that most discounts do not apply to the whole policy. Most cut individual premiums such as medical payments or collision. Despite the appearance that all those discounts means the company will pay you, companies don't profit that way.

The illustration below visualizes the comparison of Honda Pilot auto insurance rates with and without discounts applied. The costs are based on a female driver, no violations or accidents, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, homeowner, marriage, and multi-car discounts applied.

Insurance companies that may offer quotes with these discounts possibly include:

When quoting, ask every company the best way to save money. Some of the earlier mentioned discounts may not apply in Chula Vista.

Persistent drivers can save

Some auto insurance companies do not offer online rate quotes and many times these regional insurance providers work with independent insurance agents. The cheapest Honda Pilot insurance in Chula Vista can be purchased on the web and also from your neighborhood Chula Vista agents, and you should compare rates from both so you have a total pricing picture.

As you shop your coverage around, you should never buy less coverage just to save a little money. There are a lot of situations where an insured cut collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The goal is to find the BEST coverage at the best cost.

We've covered quite a bit of information on how to compare Honda Pilot insurance car insurance rates in Chula Vista. The key thing to remember is the more companies you get premium rates for, the better chance you'll have of finding the cheapest Honda Pilot rate quotes. Drivers may even discover the most savings is with a small local company. Smaller companies often have lower premium rates on specific markets compared to the large companies like State Farm or Progressive.

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