Affordable Lubbock Honda Pilot Insurance

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Discount Honda Pilot insuranceThe recommended way to get affordable auto insurance rates in Lubbock is to compare quotes annually from different companies in Texas.

  • Step 1: Get a basic knowledge of how car insurance works and the things you can control to drop your rates. Many risk factors that cause rate increases like traffic citations, accidents, and a less-than-favorable credit history can be remedied by making small lifestyle or driving habit changes. This article gives additional ideas to prevent high prices and get discounts that may be overlooked.
  • Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from a single company like Progressive or Allstate, while independent agencies can provide price quotes from many different companies.
  • Step 3: Compare the new rate quotes to your current policy premium to see if a cheaper rate is available in Lubbock. If you find better rates and buy the policy, ensure there is no coverage lapse between policies.

A good piece of advice is to make sure you enter the same physical damage deductibles and liability limits on each quote and and to get rates from as many carriers as you can. This guarantees a fair price comparison and many rates to choose from.

It's well known that car insurance companies want to keep you from shopping around. People who shop for lower rates will most likely switch auto insurance companies because there is a high probability of finding a cheaper policy. A recent auto insurance study discovered that consumers who compared price quotes annually saved about $850 each year compared to policyholders who never shopped around.

If finding budget-friendly car insurance in Lubbock is your goal, then having a good understanding how to shop and compare auto insurance can help make the process easier and more efficient.

Choosing the most cost-effective auto insurance policy in Lubbock is actually quite simple. If you're already insured or are looking for a new policy, you can use these techniques to get lower rates without reducing protection. Vehicle owners just need to learn the best way to get comparison quotes online.

Reducing your Honda Pilot insurance rates is actually easier than you may think. All that's required is to spend a few minutes to compare rate quotes to find out which insurance company has low cost Lubbock auto insurance quotes.

It's so fast and easy to compare rates online that it makes it a waste of time to make phone calls or go to insurance agents' offices. The ability to get quotes online makes this unnecessary unless you prefer the advice and guidance of a local Lubbock agent. Drivers can find lower rates online but still have the advice of a local agent.

The providers in the list below offer comparison quotes in Texas. If multiple companies are listed, it's a good idea that you visit as many as you can in order to get a fair rate comparison.

Lower-cost Lubbock car insurance rates with discounts

Auto insurance companies don't always list the entire discount list very well, so we researched some of the more common and also the more inconspicuous discounts that you may qualify for. If you check and find you aren't receiving every discount available, you may be paying too high a price.Discount car insurance

  • E-sign Discounts - A few companies give back up to $50 for buying your policy online.
  • Safe Drivers - Insureds who avoid accidents can save as much as half off their rates than their less cautious counterparts.
  • Service Members Pay Less - Having an actively deployed family member may qualify for rate reductions.
  • Save over 55 - Drivers that qualify as senior citizens may receive a slight reduction on a Lubbock auto insurance quote.
  • Organization Discounts - Affiliation with certain professional organizations could earn you a nice discount on your bill.

As a footnote on discounts, most discounts do not apply to the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates you can get free auto insurance, it doesn't quite work that way. Any qualifying discounts will cut your overall premium however.

The illustration below visualizes the comparison of Honda Pilot car insurance costs with and without discounts applied to the policy premium. The data assumes a male driver, no claims or driving violations, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, homeowner, multi-car, claim-free, and marriage discounts applied.

Large car insurance companies and their possible discounts are detailed below.

  • Farm Bureau has savings for multi-vehicle, multi-policy, 55 and retired, youthful driver, renewal discount, good student, and driver training.
  • Liberty Mutual policyholders can earn discounts including newly retired, preferred payment discount, newly married, good student, new vehicle discount, exclusive group savings, and teen driver discount.
  • State Farm offers discounts for good student, Drive Safe & Save, safe vehicle, multiple policy, and driver's education.
  • Auto-Owners Insurance includes discounts for paid in full, good student, mature driver, paperless, student away at school, and air bags.
  • GEICO discounts include defensive driver, multi-policy, federal employee, membership and employees, air bags, and seat belt use.
  • SAFECO may offer discounts for drive less, bundle discounts, teen safety rewards, homeowner, teen safe driver, and multi-car.

Before buying, ask each company or agent what discounts are available to you. Depending on the company, some discounts might not be offered in Lubbock.

Rates and data analysis

The price information shown below outlines a range of insurance policy prices for Honda Pilot models. Understanding how policy rates are calculated can benefit drivers when making informed decisions.

Honda Pilot Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $206 $322 $400 $24 $120 $1,072 $89
Pilot EX 2WD $232 $322 $400 $24 $120 $1,098 $92
Pilot EX 4WD $232 $322 $400 $24 $120 $1,098 $92
Pilot EX-L 2WD $232 $392 $400 $24 $120 $1,168 $97
Pilot EX-L 4WD $232 $392 $400 $24 $120 $1,168 $97
Pilot Touring 2WD $232 $392 $400 $24 $120 $1,168 $97
Pilot Touring 4WD $232 $392 $400 $24 $120 $1,168 $97
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Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Price information does not factor in specific zip code location which can influence prices noticeably.

Higher deductibles lower rates

One of the hardest decisions when shopping for auto insurance is where should you set your physical damage deductibles. The following tables help summarize the premium difference when you choose different coverage deductibles. The first set of prices uses a $100 deductible for physical damage and the second pricing table uses a $1,000 deductible.

Honda Pilot insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $328 $486 $382 $22 $114 $1,357 $113
Pilot EX 2WD $370 $486 $382 $22 $114 $1,399 $117
Pilot EX 4WD $370 $486 $382 $22 $114 $1,399 $117
Pilot EX-L 2WD $370 $592 $382 $22 $114 $1,505 $125
Pilot EX-L 4WD $370 $592 $382 $22 $114 $1,505 $125
Pilot Touring 2WD $370 $592 $382 $22 $114 $1,505 $125
Pilot Touring 4WD $370 $592 $382 $22 $114 $1,505 $125
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Honda Pilot insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $182 $256 $382 $22 $114 $956 $80
Pilot EX 2WD $206 $256 $382 $22 $114 $980 $82
Pilot EX 4WD $206 $256 $382 $22 $114 $980 $82
Pilot EX-L 2WD $206 $312 $382 $22 $114 $1,036 $86
Pilot EX-L 4WD $206 $312 $382 $22 $114 $1,036 $86
Pilot Touring 2WD $206 $312 $382 $22 $114 $1,036 $86
Pilot Touring 4WD $206 $312 $382 $22 $114 $1,036 $86
Get Your Own Custom Quote Go

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

Based on the above data, using a $100 deductible would cost the average driver about $37 more each month or $444 each year averaged for all Pilot models than choosing the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 24 months between claim filings, you would probably come out ahead by going with a higher deductible.

The example below shows how choosing a deductible and can impact Honda Pilot annual premium costs for different age categories. The data assumes a married female driver, full coverage, and no discounts are taken into consideration.

How Car Insurance Companies Calculate Honda Pilot Insurance Premiums

An important part of buying insurance is that you know the factors that are used to determine your policy premiums. If you know what positively or negatively impacts your premiums, this helps enable you to make changes that could help you find lower rates. Many things are taken into consideration when you quote your car insurance policy. Some of the criteria are obvious such as your driving record, although others are less apparent such as your credit history or how safe your car is.

Listed below are some of the items that factor into premiums.

Optional features can affect premiums - Choosing a vehicle with a theft deterrent system can help lower your rates. Systems that thwart thieves such as GM's OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.

Men tend to take more risk - Over the last 30 years, statistics show women tend to be less risk to insure than men. However, this does not mean males are worse at driving than females. They both get in accidents at about the same rate, but guys have accidents that have higher claims. They also receive more major tickets such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and thus pay the highest rates.

The information below compares Honda Pilot premium costs for male and female drivers. The prices are based on a clean driving record, no at-fault accidents, comp and collision included, $1,000 deductibles, single status, and no discounts are applied.

Consider raising deductibles - Physical damage protection, otherwise known as comp (or other than collision) and collision, protects your Honda from damage. Examples of some claims that would be covered are running into the backend of another car, vandalism, and windstorm damage. Your deductibles represent how much money you are required to spend before a claim is paid by your company. The more of the claim you pay before a claim is paid (deductible), the better rate you will receive.

Performance makes a difference - The type of car, truck or SUV you are insuring makes a big difference in your premium level. The lowest base rates will normally be found when insuring low performance passenger cars, but your final cost has many other factors.

The chart below assumes a married male driver age 20, full coverage with $500 deductibles, and no discounts or violations. It compares Honda Pilot insurance premiums compared to other vehicles that have a range of performance rating factors.

Rates impacted by vehicle usage - The more you drive your Honda each year the higher the price you pay to insure it. A lot of insurance companies charge rates partially by how you use the vehicle. Vehicles that do not get driven very much qualify for better rates than vehicles that are driven to work every day. It's a smart idea to ensure your vehicle rating properly reflects annual mileage. Having an incorrect usage rating on your Pilot is just wasting money.

Having a spouse is a good thing - Having a wife or husband may save some money when buying auto insurance. Having a spouse demonstrates that you tend to be more mature than a single person and insurance companies reward insureds because married drivers tend to have fewer serious accidents.

Insurance loss data for a Honda Pilot - Companies analyze historical claim data when setting premium rates. Models that are shown to have higher losses will have a higher premium rate.

The table shown below demonstrates the insurance loss data used by companies for Honda Pilot vehicles. For each policy coverage type, the claim amount for all vehicles averaged together is considered to be 100. Percentages below 100 imply a favorable loss record, while values over 100 indicate frequent claims or an increased chance of larger losses than average.

Insurance Loss Ratings for Honda Pilot Vehicles
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
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Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years