Auto Insurance Quotes for a Honda Pilot in Chandler

How many times have you told yourself it’s time to shop around for the cheapest Honda Pilot insurance in Chandler? Finding the cheapest Chandler Honda Pilot insurance quotes on the internet might seem rather difficult for drivers new to quoting and comparing and buying insurance on the internet. With more and more insurance companies available, how can drivers have a chance to compare every company to locate better prices?

Sadly, the vast majority of drivers have stayed with the same insurance company for more than four years, and nearly 40% of drivers have never compared insurance rates at all. With the average premium in Arizona being $1,600, drivers can save hundreds of dollars each year just by shopping around, but most just don’t grasp the big savings they would realize if they switched.

Finding the most affordable insurance policy in Chandler is not as time-consuming as you think. Just about everyone who quotes insurance should be able to save money. But Arizona consumers need to learn the methods companies use to determine premium rates.

Just keep in mind that more quotes helps increase your odds of locating more affordable insurance.

The companies in the list below have been selected to offer price comparisons in Arizona. If you want cheap auto insurance in Chandler, AZ, we suggest you compare several of them in order to find the cheapest rates.

Car insurance statistics and figures

The information shown below outlines estimates of policy rates for Honda Pilot models. Knowing how auto insurance premiums are calculated can assist in making smart buying decisions.

Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Prices do not factor in specific Chandler garaging location which can revise rates significantly.

Raise deductibles and save

One frequently asked question is how high should the physical damage coverage deductibles be. The comparisons below lay out the costs and benefits between high and low insurance deductibles. The first data set uses a $100 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Price estimates do not factor in garaging location in Chandler which can alter premium rates considerably.

Based on these figures, using a $100 deductible costs roughly $20 more each month or $240 for a full year averaged for all Pilot models than buying the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you have at least 20 months between claim filings, you would most likely save money if you opt for a higher deductible.

Slash rates with these discounts

Some insurers don’t necessarily list the entire discount list very well, so the list below gives a summary of some of the best known and the more hidden savings tricks you should be using when you buy Chandler car insurance online. If you don’t get every credit available, you could be paying more than you need to.

• Air Bag Discount – Factory air bags or motorized seat belts may qualify for discounts of more than 20%.
• Multiple Vehicles – Purchasing coverage when you have all your vehicles on one policy can reduce the rates for all insured vehicles.
• Braking Control Discount – Cars and trucks with anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
• Onboard Data Collection – Policyholders that allow companies to scrutinize driving patterns remotely such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if their driving habits are good.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle up can save 10% or more off PIP or medical payments premium.
• Accident Forgiveness Coverage – Not necessarily a discount, but a handful of insurance companies will allow you to have one accident before raising your premiums with the catch being you have to be claim-free prior to being involved in the accident.

We need to note that some credits don’t apply to the whole policy. Most only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, it’s just not the way it works.

The information below shows the comparison of Honda Pilot insurance premiums with and without discounts applied to the policy rates. The premiums are based on a female driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, multi-car, safe-driver, homeowner, and marriage discounts applied.

Some of the insurance companies that may include these benefits may include but are not limited to:

• Progressive
• GEICO
• State Farm
• Esurance
• The Hartford

If you want the cheapest Honda Pilot rate quotes, ask all companies you are considering which discounts can lower your rates. Some discounts may not be offered everywhere. If you would like to choose from a list of insurance companies offering insurance discounts in Arizona, follow this link.

Why you need Honda vehicle insurance in Arizona

Despite the high cost, car insurance is a good idea for several reasons.

• Most states have minimum liability requirements which means the state requires specific limits of liability insurance coverage in order to license the vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your vehicle has a loan, it’s most likely the lender will stipulate that you buy insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender may insure your Honda for a much higher rate and force you to pay for it.
• Car insurance protects your vehicle and your assets. Insurance will also pay for medical expenses for both you and anyone you injure as the result of an accident. Liability insurance also pays for attorney fees and expenses if you are sued as the result of your driving. If damage is caused by hail or an accident, your car insurance policy will pay to repair the damage minus the deductible amount.

The benefits of having insurance more than offset the price you pay, particularly when you have a large claim. On average, a vehicle owner in Chandler overpays as much as $830 a year so compare rates once a year at a minimum to be sure current rates are still competitive.

Local Chandler insurance agents and car insurance

Many people still like to talk to a local agent and often times that is recommended The biggest benefit of price shopping on the web is that you can find lower rates and still have a local agent. Supporting small agencies is definitely important in Chandler.

To make it easy to find an agent, after completing this simple form, the quote information is immediately sent to local insurance agents that provide free Chandler car insurance quotes for your insurance coverage. You won’t need to drive around because quoted prices will be sent to the email address you provide. You’ll get the best rates and a licensed agent to work with. If you want to compare prices from a specific insurance company, you can always find their quoting web page to submit a rate quote request.

Choosing the best provider needs to be determined by more than just the bottom line cost. These are some valid questions you should ask.

• Is auto insurance their primary focus in Chandler?
• Do they have any clout with companies to ensure a fair claim settlement?
• Is the quote a firm price?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Is there any savings for paying the full premium?
• Is vehicle damage repaired with OEM or aftermarket parts?
• Is vehicle mileage a factor when determining depreciation for repairs?