How many times have you put off comparing quotes for more competitive Honda Pilot insurance in Los Angeles? Frustrated by the wide range of insurance choices that you can choose from? Lot’s of other drivers are too. You have such a vast assortment of choices available that it can easily become a big hassle to find lower rates on Honda Pilot insurance. If you live there, you know that Los Angeles is an awesome place to live, but high insurance rates can make it impossible to be able to buy decent coverage.
Unbelievable but true according to a study the vast majority of consumers in California have stayed with the same insurance company for a minimum of four years, and nearly 40% of drivers have never taken the time to shop around. Drivers in America can save roughly $850 each year by just shopping around, but most tend to underestimate the benefits if they just switched companies.
Smart consumers take time to take a look at other company’s rates quite often because prices are variable and change quite frequently. Just because you found the best price on Honda Pilot insurance in Los Angeles last year other companies may now be cheaper. Ignore everything you know about insurance because it’s time to teach you the best methods to remove unneeded coverages and save money.
Finding the cheapest car insurance coverage in Los Angeles is easy if you know what you’re doing. If you already have coverage, you will most likely be able to shop for the lowest rates using the ideas you’re about to read. But California car owners do need to learn how insurance companies determine premium rates because rates are impacted by many factors.
Discounts can help lower premiums on Honda Pilot insurance in Los Angeles
Companies that sell car insurance do not list all possible discounts in an easy-to-find place, so we researched some of the best known as well as some of the hidden credits that may apply to you.
- Discount for Home Ownership – Simply owning a home can earn you a little savings due to the fact that maintaining a home is proof of financial responsibility.
- Paperwork-free – Some of the larger companies may give you up to $50 for buying a policy and signing up on the internet.
- Safety Course Discount – Completing a course in driver safety could possibly earn you a 5% discount and easily pay for the cost of the class.
- Pay Upfront and Save – By paying your entire bill at once rather than spreading payments over time you could save up to 5%.
- Discount for Good Grades – Maintaining excellent grades can earn a discount of 20% or more. Many companies even apply the discount to college students up to age 25.
- No Charge for an Accident – This one isn’t a discount, but companies like Allstate and State Farm will allow you to have one accident before your rates go up if you have no claims for a certain period of time.
A little disclaimer on discounts, most discount credits are not given to all coverage premiums. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, companies don’t profit that way.
The information below shows the difference between Honda Pilot auto insurance costs with and without discounts applied. Data assumes a female driver, no driving violations, no at-fault 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, homeowner, multi-car, marriage, multi-policy, and safe-driver discounts applied.
Some of the insurance companies that may offer policyholders many of the previously listed discounts may include but are not limited to:
If you are trying to find inexpensive Los Angeles car insurance quotes, ask all companies you are considering how many discounts you can get. Discounts might not be offered in your state.
Most major insurance companies such as Progressive, GEICO, Allstate and State Farm allow you to get prices for coverage online. Getting Honda Pilot insurance prices online is fairly simple as all you need to do is type in the coverage amounts you desire into a form. Once entered, their quoting system orders credit information and your driving record and provides a quote.
The ability to get online rate quotes for Honda Pilot insurance in Los Angeles helps simplify price comparisons, and it’s necessary to do this if you are searching for a lower rate.
To compare rates using this form now, compare rates from the companies below. If you have coverage now, it’s recommended you enter the coverages exactly as shown on your declarations page. This helps ensure you will have rate comparison quotes based on similar coverages.
The companies shown below have been selected to offer quotes in California. If multiple companies are shown, it’s highly recommended you visit two to three different companies to get the cheapest price.
Analysis of coverages
The premium table shown below covers detailed analysis of rate quotes for Honda Pilot models. Understanding how car insurance premiums are figured can help customers make smart buying decisions.
| 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 Customized Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rate information does not factor in vehicle location which can influence coverage rates greatly.
Insurance premiums for males and females
The illustration below illustrates the comparison of Honda Pilot insurance rates for male and female drivers. The data is based on no accidents, no driving violations, full coverage, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
Do you need full coverage?
The illustration below illustrates the difference between Honda Pilot car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on no violations or accidents, $250 deductibles, marital status is single, and no other discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no definitive guideline of when to eliminate physical damage insurance, but there is a guideline you can consider. If the annual cost of coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let’s say your Honda Pilot claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $7,000 after paying your policy deductible. If you are currently paying more than $700 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are a few cases where dropping full coverage is not in your best interest. If you still have a lienholder on your title, you have to keep full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not eliminate full coverage.
Local insurance agents
Certain consumers still like to get advice from a local agent and doing that can be a smart decision A nice benefit of price shopping on the web is that drivers can save money and get the best rates but still work with a licensed agent.
For easy comparison, once you complete this simple form, your coverage information is emailed to participating agents in Los Angeles that can give you free Los Angeles car insurance quotes for your business. It’s much easier because you don’t need to search for an agent due to the fact that quote results will go to the email address you provide. You can find better rates without a big time investment. If you need to compare rates for a specific company, feel free to jump over to their website and complete a quote there.
Selecting an company requires you to look at more than just a cheap quote. These are some valid questions you should ask.
- How many companies do they write for?
- Are they primarily personal or commercial lines agents in Los Angeles?
- Will the company cover a rental car if your car is getting fixed?
- Do they write coverage based solely on cost?
- Are they properly licensed to sell insurance in California?
- Will the agent help in case of a claim?
Listed below is a list of insurance companies in Los Angeles willing to provide comparison quotes for Honda Pilot insurance in Los Angeles.
- Gregory Kim – State Farm Insurance Agent
3580 Wilshire Blvd #130 – Los Angeles, CA 90010 – (213) 365-2071 – View Map - Ted Hope – State Farm Insurance Agent
2049 W Manchester Ave – Los Angeles, CA 90047 – (323) 752-4885 – View Map - Kirk Farrel – State Farm Insurance Agent
7288 Sunset Blvd #205 – Los Angeles, CA 90046 – (323) 876-6653 – View Map - Karla Greene – State Farm Insurance Agent
611 Wilshire Blvd #911 – Los Angeles, CA 90017 – (213) 239-9675 – View Map
Affordable auto insurance rates are out there
When getting Los Angeles car insurance quotes online, make sure you don’t buy poor coverage just to save money. Too many times, drivers have reduced liability limits or collision coverage and learned later that it was a big error on their part. Your aim should be to buy the best coverage you can find for the lowest price, but do not skimp to save money.
In this article, we covered some good ideas how you can compare Honda Pilot insurance prices in Los Angeles. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may even be surprised to find that the lowest priced auto insurance comes from a small local company.
The cheapest Honda Pilot insurance in Los Angeles can be found from both online companies in addition to many Los Angeles insurance agents, so you should compare both so you have a total pricing picture. Some insurance providers do not provide online rate quotes and many times these small, regional companies only sell through independent insurance agents.
For more information, feel free to browse these articles:
- What is Gap Insurance? (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for Low Mileage Drivers in Los Angeles? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for First-time Drivers in Los Angeles? (FAQ)
- Who Has the Cheapest Los Angeles Auto Insurance for Handicapped Drivers? (FAQ)
- How Much is Auto Insurance for a Dodge Ram in Los Angeles? (FAQ)
- What Insurance is Cheapest for a Toyota Tacoma in Los Angeles? (FAQ)
- Property Damage Coverage (Liberty Mutual)
- Rollover Crash FAQ (iihs.org)