Cheap Honda Pilot Insurance in Santa Ana

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Insurance quote for Honda Pilot in Santa AnaThe easiest way to find lower priced Honda Pilot insurance is to compare prices at least once a year from companies in Santa Ana. Rate comparisons can be done by following these steps.

  1. Gain an understanding of what coverages are included in your policy and the steps you can take to keep rates low. Many risk factors that drive up the price like multiple speeding tickets and your credit history can be amended by making minor changes to your lifestyle.
  2. Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like Progressive and State Farm, while independent agencies can quote prices for many different companies.
  3. Compare the new rate quotes to your current policy premium and see if you can save money. If you find a better price, make sure there is no lapse in coverage.
  4. Provide written notification to your current company to cancel your current auto insurance policy and submit a down payment along with a signed application to the new company. As soon as you can, keep your new certificate verifying proof of insurance in a readily accessible location in your vehicle.

A crucial key to this process is to try to compare the same level of coverage on every quote and and to get rate quotes from as many different companies as possible. This provides a fair rate comparison and plenty of rates choose from.

Unbelievably, the vast majority of drivers have stayed with the same insurance company for four years or more, and approximately 38% of consumers have never compared rates from other carriers. California drivers could save 35% every year just by shopping around, but they don't believe the amount of savings they would get if they switched.

We hope to help educate you on the most effective way to quote insurance and some tips to save money. If you already have coverage, you will be able to find better prices using the concepts you're about to learn. But California consumers do need to know how big insurance companies price insurance differently.

Buy Santa Ana Honda Pilot insurance online

When comparing car insurance rates, know that quoting more provides better odds of finding lower pricing. Some regional insurers cannot provide Santa Ana Pilot insurance quotes online, so it's necessary to compare prices on coverage from those companies, too.

The companies shown below can provide price quotes in California. If several companies are displayed, we recommend you visit as many as you can in order to find the lowest rates.

Three main reasons to buy auto insurance

Despite the potentially high cost of Honda Pilot insurance, buying auto insurance may be required and benefits you in several ways.

  • The majority of states have minimum liability requirements which means you are required to carry a specific level of liability coverage if you don't want to risk a ticket. 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 your Pilot has a loan, it's most likely the lender will stipulate that you buy insurance to guarantee payment of the loan. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Honda for a lot more money and force you to pay the higher price.
  • Insurance protects both your car and your personal assets. It will also pay for medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of carrying adequate insurance more than offset the price you pay, particularly when you have a large claim. An average driver in America overpays more than $825 a year so we recommend shopping around at every policy renewal to be sure current rates are still competitive.

Rates and other information

The premium information displayed next showcases different coverage prices for Honda Pilot models. Learning more about how insurance quotes are calculated can be valuable when making informed purchases.

Honda Pilot Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $346 $520 $456 $26 $136 $1,484 $124
Pilot EX 2WD $390 $520 $456 $26 $136 $1,528 $127
Pilot EX 4WD $390 $520 $456 $26 $136 $1,528 $127
Pilot EX-L 2WD $390 $632 $456 $26 $136 $1,640 $137
Pilot EX-L 4WD $390 $632 $456 $26 $136 $1,640 $137
Pilot Touring 2WD $390 $632 $456 $26 $136 $1,640 $137
Pilot Touring 4WD $390 $632 $456 $26 $136 $1,640 $137
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Rate information does not factor in specific location information which can change insurance rates considerably.

Policy deductible comparison

A question often asked by Santa Ana drivers is how high should the physical damage coverage deductibles be. The comparison tables below can help illustrate the differences in premium rates when you choose different comp and collision deductibles. The first rate estimation uses a $250 physical damage deductible and the second rate chart 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
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in specific garaging location which can revise premium rates substantially.

Based on the figures above, using a $250 deductible would cost the average driver about $16 more each month or $192 a year than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average more than 16 months between claim filings, you would save money by going with a higher deductible.

Rate difference between full and liability-only coverage

The example below compares Honda Pilot premium costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The data assumes no claims, a clean driving record, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

When to drop comprehensive and collision coverage

There is no definitive guideline of when to phase out full coverage on your policy, but there is a general school of thought. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let's assume your Honda Pilot claim settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $8,000 after paying the physical damage deductible. If it's costing in excess of $800 annually for comprehensive and collision coverage, then it's probably a good time to buy liability coverage only.

There are a few cases where buying only liability insurance is not advised. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Companies offer many discounts on Honda Pilot insurance in Santa Ana

Companies that sell car insurance do not list their entire list of discounts in an easy-to-find place, so the list below details some of the more common and also the lesser-known discounts that may be available.Discount car insurance

  • Clubs and Organizations - Being a member of a professional or civic organization could trigger savings on car insurance.
  • Good Students Pay Less - Performing well in school could provide a savings of up to 20% or more. The good student discount can last well after school through age 25.
  • Discount for Low Mileage - Driving less may enable drivers to earn lower premium rates on the low mileage vehicles.
  • Discounts for New Vehicles - Putting insurance coverage on a new Pilot can be considerably cheaper compared to insuring an older model.
  • Multiple Policy Discount - If you combine your auto and homeowners policies and insure them with the same company you will save up to 20% and get you cheap Pilot insurance.

We need to note that most discounts do not apply to the whole policy. Most cut the cost of specific coverages such as comprehensive or collision. So even though they make it sound like it's possible to get free car insurance, companies wouldn't make money that way.

The illustration below illustrates the difference between Honda Pilot auto insurance rates with and without discounts applied to the rates. The price estimates are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, multi-policy, marriage, and claim-free discounts applied.

A list of car insurance companies and a summarized list of policyholder discounts are shown below.

  • Progressive includes discounts for multi-vehicle, online signing, continuous coverage, multi-policy, good student, homeowner, and online quote discount.
  • MetLife may offer discounts for good driver, good student, multi-policy, accident-free, defensive driver, and claim-free.
  • Mercury Insurance policyholders can earn discounts including annual mileage, ease of repair, good student, professional/association, and type of vehicle.
  • Nationwide offers discounts for multi-policy, family plan, good student, defensive driving, anti-theft, Farm Bureau membership, and easy pay.
  • GEICO has savings for driver training, multi-vehicle, daytime running lights, anti-lock brakes, military active duty, federal employee, and emergency military deployment.
  • AAA offers discounts including anti-theft, pay-in-full, good driver, good student, and AAA membership discount.

Double check with every company to apply every possible discount. Some credits may not apply in Santa Ana. To choose providers who offer discounts in Santa Ana, click here to view.

Your car insurance coverage should be tailored to you

When it comes to proper insurance coverage for your vehicles, there really is no "best" method to buy coverage. You are unique.Car insurance savings

For example, these questions could help you determine if your insurance needs may require specific advice.

  • What if I don't agree with a claim settlement offer?
  • When should I drop full coverage on my Honda Pilot?
  • When do I need to add a new car to my policy?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • How can I find cheaper teen driver insurance?
  • How much liability do I need to cover my assets?
  • Am I covered when driving on a suspended license?
  • What is medical payments coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Are rock-chip repairs free?

If it's difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form.