How to Save on Jersey City Honda Pilot Insurance

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Discount Honda Pilot insuranceIf you want to save the most money, the best way to find discount Honda Pilot insurance is to compare prices annually from companies in Jersey City. Price quotes can be compared by completing these steps.

First, spend some time learning about how car insurance works and the modifications you can make to prevent expensive coverage. Many things that result in higher rates like multiple speeding tickets and a not-so-good credit score can be controlled by improving your driving habits or financial responsibility.

Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from one company like GEICO or Farmers Insurance, while independent agencies can quote rates for a wide range of companies.

Third, compare the new quotes to your existing policy to determine if switching companies saves money. If you find better rates, ensure there is no coverage lapse between policies.

Fourth, notify your company or agent to cancel your current coverage and submit a signed application and payment to your new agent or company. As soon as you can, put the new certificate verifying proof of insurance in an accessible location in your vehicle.

A good tip to remember is to use similar deductibles and liability limits on each quote and and to get rates from as many different insurance providers as possible. Doing this enables the most accurate price comparison and the best price quote selection.

Unbelievable but true according to a study the vast majority of auto insurance customers in New Jersey have remained with the same auto insurance company for at least the last four years, and approximately 38% of consumers have never compared rates with other companies. Drivers in America can cut their rates by about 47% a year just by shopping around, but they don't believe the rate savings if they replace their high priced policy.

Earn discounts on Jersey City insurance

Not too many consumers would say insurance is affordable, but you can get discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time of quoting, but lesser-known reductions have to be requested specifically prior to receiving the credit.Cheaper insurance with discounts

  • Seat Belts Save - Forcing all vehicle occupants to buckle their seat belts can save a little off the personal injury premium cost.
  • Pay Upfront and Save - By making one initial payment instead of monthly or quarterly installments you can actually save on your bill.
  • Life Insurance - Some insurance carriers give lower rates if you buy a life policy as well.
  • Renewal Discounts - A few insurance companies allow discounts for buying a new policy early. It could save around 10% when you buy Jersey City auto insurance online.
  • Federal Government Employee - Simply working for the federal government could cut as much as 10% off but check with your company.
  • Defensive Driver Discount - Completing a defensive driver course could save 5% or more if your company offers it.

One last thing about discounts, some of the credits will not apply to the whole policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, you aren't that lucky.

The information below illustrates the difference between Honda Pilot car insurance costs with and without policy discounts. The prices are based on a female driver, no claims or driving violations, New Jersey state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, marriage, multi-policy, multi-car, and safe-driver discounts applied.

Larger insurance companies and their offered discounts are:

  • State Farm offers discounts for safe vehicle, multiple policy, Drive Safe & Save, good driver, and multiple autos.
  • GEICO has savings for anti-theft, defensive driver, five-year accident-free, emergency military deployment, multi-vehicle, military active duty, and driver training.
  • SAFECO discounts include accident prevention training, teen safe driver, anti-lock brakes, drive less, and multi-car.
  • Farmers Insurance offers discounts including bundle discounts, electronic funds transfer, mature driver, homeowner, business and professional, and teen driver.
  • AAA may include discounts for multi-policy, pay-in-full, good driver, multi-car, AAA membership discount, good student, and anti-theft.
  • USAA may offer discounts for multi-policy, new vehicle, driver training, military installation, family discount, and annual mileage.

Before you buy a policy, ask each company which discounts can lower your rates. Discounts may not apply to policyholders in Jersey City. To choose companies that offer many of these discounts in Jersey City, follow this link.

When comparison shopping, quoting more provides better odds of finding the best price. Some smaller insurers do not give Jersey City Pilot insurance quotes online, so you need to compare price quotes from those companies as well.

The auto insurance companies shown below can provide free quotes in New Jersey. If you wish to find the cheapest car insurance in NJ, it's a good idea that you visit two to three different companies to get the most competitive price.

Insurance rate breakdown

The rate table displayed next outlines a range of rate quotes for Honda Pilot models. Being more informed about how policy rates are formulated can help you make smart policy decisions.

Honda Pilot Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $360 $504 $490 $30 $146 $1,530 $128
Pilot EX 2WD $406 $504 $490 $30 $146 $1,576 $131
Pilot EX 4WD $406 $504 $490 $30 $146 $1,576 $131
Pilot EX-L 2WD $406 $614 $490 $30 $146 $1,686 $141
Pilot EX-L 4WD $406 $614 $490 $30 $146 $1,686 $141
Pilot Touring 2WD $406 $614 $490 $30 $146 $1,686 $141
Pilot Touring 4WD $406 $614 $490 $30 $146 $1,686 $141
Get Your Own Custom Quote Go

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rates do not factor in specific zip code location which can increase or decrease premiums noticeably.

Physical damage deductibles

When comparing car insurance rates, the most common question is how high or low should comp and collision deductibles be. The premium rates below can help you understand the rate fluctuation between low and high coverage deductibles. The first table uses a $100 physical damage deductible and the second rate chart uses a $500 deductible.

Honda Pilot insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $414 $614 $480 $28 $144 $1,705 $142
Pilot EX 2WD $466 $614 $480 $28 $144 $1,757 $146
Pilot EX 4WD $466 $614 $480 $28 $144 $1,757 $146
Pilot EX-L 2WD $466 $746 $480 $28 $144 $1,889 $157
Pilot EX-L 4WD $466 $746 $480 $28 $144 $1,889 $157
Pilot Touring 2WD $466 $746 $480 $28 $144 $1,889 $157
Pilot Touring 4WD $466 $746 $480 $28 $144 $1,889 $157
Get Your Own Custom Quote Go
Honda Pilot insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $302 $414 $480 $28 $144 $1,368 $114
Pilot EX 2WD $340 $414 $480 $28 $144 $1,406 $117
Pilot EX 4WD $340 $414 $480 $28 $144 $1,406 $117
Pilot EX-L 2WD $340 $504 $480 $28 $144 $1,496 $125
Pilot EX-L 4WD $340 $504 $480 $28 $144 $1,496 $125
Pilot Touring 2WD $340 $504 $480 $28 $144 $1,496 $125
Pilot Touring 4WD $340 $504 $480 $28 $144 $1,496 $125
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rate quotes do not factor in Jersey City location which can influence auto insurance rates significantly.

We can estimate from the data above that using a $100 deductible will cost in the ballpark of $31 more each month or $372 every year than opting for the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you go at least 13 months between claims, you would save more money if you decide on a higher deductible.

The example below shows how choosing a deductible and can influence Honda Pilot insurance rates for different insured age categories. The costs are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Age, gender, and Honda Pilot insurance

The diagram below illustrates the comparison of Honda Pilot premium costs for male and female drivers. The premiums assume no claims or violations, comp and collision included, $100 deductibles, single marital status, and no discounts are applied to the premium.

Which policy gives me the best coverage?

Always remember that when buying the best insurance coverage for your personal vehicles, there isn't really a perfect coverage plan. Everyone's needs are different and your insurance should be unique as well.Drive safe and save For example, these questions might help in determining if you may require specific advice.

  • Am I missing any policy discounts?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • When should I have rental car coverage?
  • Does my policy cover me when driving someone else's vehicle?
  • Does rental coverage apply when I am renting a car?
  • What if a claim settlement is too low?
  • When does my teenage driver need to be added to my policy?

If you can't answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Car insurance agents can help

Some consumers would prefer to have an agent's advice and that is not a bad decision A nice benefit of comparing rate quotes online is the fact that drivers can get lower rates and also buy local.

Find insurance agent in Jersey CityBy using this simple form, the coverage information is immediately sent to local insurance agents in Jersey City that can provide free Jersey City auto insurance quotes for your coverage. You never need to find an agent as quotes are delivered directly to you. You can find better rates and work with a local agent. If you have a need to compare prices from a specific insurance provider, you can always jump over to their website and fill out the quote form the provide.

Finding the right provider is decision based upon more than just the quoted price. Agents should be asked these questions:

  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Can glass claims be handled at your home?
  • Will you get a loaner vehicle if you car is being repaired?
  • How often do they review policy coverages?
  • Is the agent and/or agency licensed to do business in New Jersey?
  • Which family members are covered?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Does the quote include credit and driving reports?

After receiving acceptable answers and a low price estimate, it's possible that you found an provider that is reliable enough to service your policy. Keep in mind policyholders can cancel a policy any time you want so don't think that you are obligated to any particular company indefinitely.

A conclusion for your auto insurance search

When you buy Jersey City auto insurance online, it's not a good idea to reduce needed coverages to save money. There are too many instances where an accident victim reduced physical damage coverage to discover at claim time they didn't purchase enough coverage. Your objective should be to find the BEST coverage at an affordable rate, but do not sacrifice coverage to save money.

We covered many ways to lower your Honda Pilot insurance premium rates in Jersey City. The most important thing to understand is the more rate quotes you have, the better likelihood of getting cheaper Jersey City auto insurance quotes. Consumers could even find that the most savings is with a lesser-known regional company. They may only write in your state and offer lower prices as compared to the big name companies such as Allstate and Progressive.

Much more information about auto insurance in New Jersey can be read at the links below