Best Honda Pilot Insurance in San Jose

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Insurance quote for Honda Pilot in San JoseLocating better insurance prices for a Honda Pilot in California could be difficult, but you can learn the following methods to find lower rates.

There are both good and bad ways to shop for car insurance so you're going to learn the absolute fastest way to get price quotes on a Honda and get the lowest possible price either online or from San Jose insurance agents.

If you are already insured or are looking for a new policy, you can use these tips to shop for the lowest rates without having to cut coverage. Shopping for affordable coverage in San Jose is not that difficult. Comparison shoppers just need to learn the most effective way to compare price quotes from multiple carriers.

The providers in the list below provide price comparisons in California. If several companies are displayed, it's a good idea that you visit several of them to find the most affordable auto insurance rates.

Analysis of Honda Pilot rates

The coverage information below showcases estimates of insurance rates for Honda Pilot models. Being able to understand how rate quotes are calculated can help drivers make smart choices when comparing insurance rates.

Honda Pilot Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $294 $464 $464 $28 $138 $1,388 $116
Pilot EX 2WD $332 $464 $464 $28 $138 $1,426 $119
Pilot EX 4WD $332 $464 $464 $28 $138 $1,426 $119
Pilot EX-L 2WD $332 $564 $464 $28 $138 $1,526 $127
Pilot EX-L 4WD $332 $564 $464 $28 $138 $1,526 $127
Pilot Touring 2WD $332 $564 $464 $28 $138 $1,526 $127
Pilot Touring 4WD $332 $564 $464 $28 $138 $1,526 $127
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Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price estimates do not factor in San Jose location which can impact coverage prices significantly.

Physical damage deductibles: Should you raise them?

One of the hardest decisions when shopping for insurance is where to set your physical damage deductibles. The following tables outline the rate fluctuation when you buy lower versus higher comp and collision deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second pricing table uses a $500 deductible.

Honda Pilot insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $342 $472 $442 $26 $132 $1,439 $120
Pilot EX 2WD $386 $472 $442 $26 $132 $1,483 $124
Pilot EX 4WD $386 $472 $442 $26 $132 $1,483 $124
Pilot EX-L 2WD $386 $576 $442 $26 $132 $1,587 $132
Pilot EX-L 4WD $386 $576 $442 $26 $132 $1,587 $132
Pilot Touring 2WD $386 $576 $442 $26 $132 $1,587 $132
Pilot Touring 4WD $386 $576 $442 $26 $132 $1,587 $132
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Honda Pilot insurance prices 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
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate information does not factor in specific location information which can alter premiums noticeably.

We can derive from the above data that using a $250 deductible will cost in the ballpark of $16 more each month or $192 each year than buying the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you have at a minimum 16 months between claim filings, you would save more money if you elect the higher deductible.

Here's why insurance is not optional

Despite the fact that insurance is not cheap in San Jose, insurance serves an important purpose.

  • Just about all states have compulsory liability insurance requirements which means state laws require specific minimum amounts of liability insurance coverage in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you have a lien on your Honda Pilot, almost every bank will make it mandatory that you have insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender may insure your Honda for a lot more money and require you to reimburse them for it.
  • Insurance protects both your assets and your vehicle. It will also cover most medical and hospital costs for you, any passengers, and anyone injured in an accident. Liability insurance also covers all legal expenses up to the policy limit in the event you are sued. If your Honda gets damaged, comprehensive and collision coverage will pay to have it repaired.

The benefits of carrying adequate insurance are definitely more than the cost, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer is overpaying more than $700 annually so it's very important to do a rate comparison at every renewal to ensure rates are inline.

How Insurance Providers Determine Honda Pilot Insurance Costs

Many different elements are used when pricing auto insurance. Most are fairly basic such as your driving history, but others are less obvious such as your credit history or how financially stable you are.

Your credit rating is important - Having a good credit history is a big factor in determining what you pay for auto insurance. Insureds with high credit ratings tend to be more responsible than drivers who have bad credit. So if your credit history could use some work, you could potentially save money when insuring your Honda Pilot by improving your rating.

Responsible drivers pay less - Whether or not you get tickets influences premium rates substantially. Careful drivers get better rates as compared to those with violations. Just one citation may increase your cost forty percent or more. Drivers unfortunate enough to have multiple citations such as DUI, reckless driving or excessive speeding may be required to prove financial responsibility with their state in order to keep their license.

The illustration below demonstrates how speeding tickets and at-fault claims can influence Honda Pilot car insurance costs for each different age category. The information is based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.

Teenage drivers pay more - Inexperience drivers tend to be more careless when driving so they pay higher auto insurance rates. If you've ever had to add a inexperienced driver to your policy can break the bank. Older people are viewed as being more responsible, tend to cause fewer accidents, and are safer drivers.

The following data assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.

Get married and get better costs - Your spouse may save some money compared to being single. Having a spouse generally demonstrates drivers are more mature and responsible and statistics prove being married results in fewer claims.

Are you male or female? - Statistics demonstrate that females tend to be a little less risky than males. The data does not necessarily mean that women are BETTER drivers than men. They both get in at-fault accidents at a similar rate, but the males tend to have higher claims. Men also statistically get ticketed for serious violations like DUI and reckless driving.

The chart below visualizes the comparison of Honda Pilot insurance costs for male and female drivers. The costs are based on no claims or violations, comprehensive and collision coverage, $500 deductibles, marital status is single, and no additional discounts are factored in.

Premiums and vocation - Careers such as military personnel, executives, and financial analysts are shown to have higher average rates due to stressful work requirements and incredibly demanding work hours. On the flip side, professions such as professors, historians and homemakers get better rates.

Honda Pilot historical loss data - Insurers include the past claim history for a vehicle when determining insurance costs. Vehicles that the data shows to have higher losses will have higher premium rates. The table below demonstrates the historical insurance loss data for Honda Pilot vehicles.

For each policy coverage, the claim probability for all vehicles, as an average, is set at 100. Values that are below 100 indicate better than average losses, while percentages above 100 indicate more frequent claims or an increased chance of larger losses than average.

Honda Pilot Insurance Claim Statistics
Make and 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

Persistence will pay off

People leave their current company for a variety of reasons including policy non-renewal, policy cancellation, high prices and not issuing a premium refund. It doesn't matter why you want to switch switching companies can be easy and end up saving you some money.

As you quote San Jose auto insurance, do not skimp on critical coverages to save a buck or two. In too many instances, an insured dropped full coverage only to regret they didn't have enough coverage. Your goal should be to find the BEST coverage at the best price, but do not sacrifice coverage to save money.

Affordable Honda Pilot insurance in San Jose can be found from both online companies and from local insurance agents, so you should compare both in order to have the best price selection to choose from. A few companies do not provide online rate quotes and most of the time these regional carriers sell through local independent agents.

Steps to finding low-cost Honda Pilot insurance in San Jose

It takes a few minutes, but the best way to get the cheapest Honda Pilot insurance in San Jose is to start doing an annual price comparison from insurers who provide car insurance in California. You can compare prices by following these steps.

Step 1: Gain an understanding of how insurance companies determine prices and the things you can control to prevent expensive coverage. Many things that cause high rates like traffic violations and an unfavorable credit rating can be improved by being financially responsible and driving safely.

Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like Progressive or Allstate, while agents who are independent can provide rate quotes from multiple sources. Get quotes now

Step 3: Compare the new rates to your existing policy to see if you can save by switching companies. If you can save some money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Tell your current company to cancel your current policy. Submit payment and a completed application to your new carrier. Immediately safely store the certificate of insurance with your registration paperwork.

A good tip to remember is to make sure you enter similar limits and deductibles on each quote request and and to get rate quotes from all possible companies. This provides a fair rate comparison and a complete rate analysis.

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