Cheapest Honda Pilot Insurance in Virginia Beach

It’s easy to assume that car insurance companies don’t want policyholders to compare prices from other companies. Consumers who shop around for cheaper rates are likely to switch car insurance companies because there is a high probability of finding a lower-cost company. A survey found that drivers who compared rates regularly saved on average $865 a year compared to drivers who never shopped around for cheaper prices.

If finding the lowest price for auto insurance in Virginia Beach is your ultimate target, then having an understanding of the best way to shop and compare cheaper coverage can help make the process easier and more efficient.

Discount Honda Pilot insuranceThe recommended way to find cheaper auto insurance rates is to start comparing prices yearly from companies who provide auto insurance in Virginia Beach.

First, gain an understanding of auto insurance and the things you can control to lower rates. Many rating criteria that drive up the price like getting speeding tickets and a not-so-good credit history can be rectified by improving your driving habits or financial responsibility. Read the full article for additional ideas to help prevent costly coverage and find additional discounts.

Second, get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from one company like GEICO or Allstate, while independent agencies can quote rates from multiple insurance companies.

Third, compare the new quotes to your existing rates to determine if you can save on Pilot insurance in Virginia Beach. If you can save some money and switch companies, ensure coverage does not lapse between policies.

Fourth, provide notification to your current company of your intention to cancel your current coverage. Submit payment along with a signed and completed policy application to the new company. Once coverage is bound, place the new certificate verifying proof of insurance in your vehicle’s glove compartment or console.

A key point to remember is to make sure you enter the same liability limits and deductibles on every quote and and to get rates from as many companies as you can. Doing this guarantees a level playing field and the best price selection.

We hope to familiarize you with how auto insurance companies operate. If you are paying for car insurance now, you will most likely be able to buy cheaper insurance using these methods. You just have to know the least time-consuming way to compare rates on the web.

The auto insurance companies shown below provide free quotes in Virginia. If multiple companies are listed, it’s a good idea that you click on several of them in order to get a fair rate comparison.

Insurance analysis for a Honda Pilot

The premium information displayed next covers estimates of insurance rates for Honda Pilot models. Being aware of how insurance prices are determined is important for making smart choices when comparing insurance rates.

Honda Pilot Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $96 $148 $248 $14 $74 $580 $48
Pilot EX 2WD $108 $148 $248 $14 $74 $592 $49
Pilot EX 4WD $108 $148 $248 $14 $74 $592 $49
Pilot EX-L 2WD $108 $180 $248 $14 $74 $624 $52
Pilot EX-L 4WD $108 $180 $248 $14 $74 $624 $52
Pilot Touring 2WD $108 $180 $248 $14 $74 $624 $52
Pilot Touring 4WD $108 $180 $248 $14 $74 $624 $52
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price estimates do not factor in vehicle garaging location which can change insurance rates noticeably.

Insurance deductibles

A question often asked by Virginia Beach drivers is how low should you set your deductibles. The rates below show the differences in price between high and low comp and collision deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Honda Pilot insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $198 $276 $258 $16 $78 $851 $71
Pilot EX 2WD $224 $276 $258 $16 $78 $877 $73
Pilot EX 4WD $224 $276 $258 $16 $78 $877 $73
Pilot EX-L 2WD $224 $336 $258 $16 $78 $937 $78
Pilot EX-L 4WD $224 $336 $258 $16 $78 $937 $78
Pilot Touring 2WD $224 $336 $258 $16 $78 $937 $78
Pilot Touring 4WD $224 $336 $258 $16 $78 $937 $78
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Honda Pilot insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $162 $222 $258 $16 $78 $736 $61
Pilot EX 2WD $182 $222 $258 $16 $78 $756 $63
Pilot EX 4WD $182 $222 $258 $16 $78 $756 $63
Pilot EX-L 2WD $182 $270 $258 $16 $78 $804 $67
Pilot EX-L 4WD $182 $270 $258 $16 $78 $804 $67
Pilot Touring 2WD $182 $270 $258 $16 $78 $804 $67
Pilot Touring 4WD $182 $270 $258 $16 $78 $804 $67
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium amounts do not factor in vehicle garaging location which can decrease or increase coverage prices noticeably.

Using the data above, we can ascertain that using a $250 deductible would cost the average driver about $11 more each month or $132 annually than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you usually have at least 23 months between claims, you would probably save some money if you choose the higher deductible.

Rate difference between full and liability-only coverage

The example below illustrates the comparison of Honda Pilot insurance premiums with full coverage compared to only the Virginia minimum liability coverage. The premiums assume no violations or claims, $500 deductibles, marital status is single, and no discounts are factored in.

Should you pay for full coverage?

There is no definitive formula to stop paying for full coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Honda Pilot settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $3,000 after you pay the deductible. If premiums are more than $300 annually for full coverage, then you might want to consider buying only liability coverage.

There are a few cases where eliminating full coverage is not advised. If you still have a loan on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage.

Are auto insurance agents obsolete?

Many drivers would rather sit down and talk to an agent and that is not a bad decision Professional insurance agents are trained to spot inefficiencies and help submit paperwork. A good thing about comparing rate quotes online is the fact that drivers can get lower auto insurance rates and still have an agent to talk to. Buying from local insurance agencies is important particularly in Virginia Beach.

Find insurance agent in Virginia BeachAfter completing this short form, your information is submitted to local insurance agents who will give competitive quotes for your business. There is no reason to search for any insurance agencies as quotes are delivered immediately to your email address. If for some reason you want to get a price quote from a particular provider, you can always jump over to their website and fill out their quote form.

If you would like to find a reputable insurance agent or broker, it helps to know the two types of insurance agents that you can select. Car insurance agencies can be classified as either independent or exclusive. Either one can sell affordable car insurance policies, but it’s good to learn the subtle differences because it may have an impact on your agent selection.

Independent Insurance Agents

Agents that elect to be independent do not write with just one company so they can quote policies with many different companies and get the cheapest rates. If premiums increase, an independent agent can move your coverage and the insured can keep the same agent.

When comparison shopping, we highly recommend that you get quotes from a few independent agents to ensure the widest selection of prices. Most can insure with companies you’ve never heard of that may provide cheaper car insurance rates.

Below are Virginia Beach independent insurance agencies that may be able to provide price quotes.

More Virginia Beach agents

Exclusive Insurance Agents

Agents that choose to be exclusive write business for a single company like Farmers Insurance or State Farm. They usually cannot shop your coverage around so keep that in mind. Exclusive agents receive a lot of sales training on what they offer and that allows them to sell at a higher price point. Some consumers prefer to choose to use an exclusive agent mainly due to the brand name rather than low price.

The following is a list of exclusive agents in Virginia Beach who can help you get rate quotes.

More Virginia Beach agents

Finding a good auto insurance agent requires you to look at more than just the quoted price. Any agent in Virginia Beach should have no problem answering these questions:

After receiving reasonable responses in addition to an acceptable price estimate, you may have just found a car insurance agent that can be relied on to adequately provide car insurance.

What is the best car insurance company in Virginia?

Selecting the right auto insurance company can be challenging considering how many companies there are in Virginia Beach. The ranking information listed below can help you pick which providers you want to consider comparing rate quotes with.

Best Car Insurance Companies in Virginia
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Erie Insurance 87 84 85 85% A+ 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies