Want to know how to find lower-priced Honda Pilot insurance in Evansville? No one looks forward to buying insurance, especially when they could find better rates elsewhere.

Discount Honda Pilot insuranceIt's hard to believe, but the vast majority of insurance customers have purchased from the same company for well over three years, and almost 40% of drivers have never compared rates with other companies. With the average premium in Indiana being $1,400, drivers could cut their rates by almost 55% a year by just comparing rate quotes, but they don't believe the amount of money they would save if they replace their high priced policy. Since you have so many different company options, it's difficult to find the lowest cost insurance company.

Consumers should take time to compare rates yearly because prices go up and down regularly. Even if you think you had the lowest price on Honda Pilot insurance in Evansville last year you can probably find a better rate now. You can find a lot of wrong information about Pilot insurance online, but you can learn some tested techniques to lower your insurance premiums.

Our objective in writing this article is to let you in on how car insurance quotes work and how you can save the most money. If you have a policy now, you will be able to save money using these tips. You only need an understanding of the most efficient way to find the lowest price online.

Getting a low cost price on insurance is not a difficult process. The only thing you need to do is spend a few minutes to compare rate quotes to find out which insurance company has cheaper Evansville car insurance quotes.

Doing price comparisons online is so simple that it replaces the need to drive around to different Evansville agent offices. Quoting Honda Pilot insurance online reduces the need to sit down with an agent unless you want the professional advice that you can only get from talking to an agent. Although you can obtain prices from the web but purchase the actual policy in an agency.

The companies in the list below can provide comparison quotes in Evansville, IN. If more than one company is shown, we suggest you visit as many as you can to find the lowest auto insurance rates.

Honda Pilot Insurance Cost Estimates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $276 $358 $368 $22 $110 $1,134 $95
Pilot EX 2WD $272 $370 $380 $22 $114 $1,158 $97
Pilot EX 4WD $262 $406 $364 $22 $110 $1,164 $97
Pilot EX-L 2WD $190 $310 $270 $16 $80 $866 $72
Pilot EX-L 4WD $222 $336 $290 $18 $86 $952 $79
Pilot Touring 2WD $116 $190 $264 $16 $80 $666 $56
Pilot Touring 4WD $116 $190 $264 $16 $80 $666 $56
Get Your Own Custom Quote Go

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Information does not factor in your specific Evansville location which can modify prices significantly.

Do you need full coverage?

The illustration below illustrates the comparison of Honda Pilot car insurance rates with full physical damage coverage compared to only buying liability only. The data is based on no violations or claims, $1,000 deductibles, married female driver, and no discounts are factored in.

Deciding between full coverage and liability only

There is no exact formula to eliminate physical damage coverage on your policy, but there is a general convention. If the annual cost of coverage is about 10% or more of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let's say your Honda Pilot replacement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $2,000 after paying your policy deductible. If it's costing you more than $200 annually for your policy with full coverage, then you may want to consider only buying liability coverage.

There are a few situations where dropping physical damage coverage is not financially feasible. If you still owe money on your vehicle, you have to maintain full coverage to protect the lienholder's interest in the vehicle. 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.

Where to set your deductibles

One frequently asked question is how high should the physical damage deductibles be. The premium rates below lay out the rate differences between low and high coverage deductibles. The first rate table uses a $100 deductible for comprehensive and collision coverage and the second rate 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 $242 $358 $280 $16 $84 $1,005 $84
Pilot EX 2WD $272 $358 $280 $16 $84 $1,035 $86
Pilot EX 4WD $272 $358 $280 $16 $84 $1,035 $86
Pilot EX-L 2WD $272 $436 $280 $16 $84 $1,113 $93
Pilot EX-L 4WD $272 $436 $280 $16 $84 $1,113 $93
Pilot Touring 2WD $272 $436 $280 $16 $84 $1,113 $93
Pilot Touring 4WD $272 $436 $280 $16 $84 $1,113 $93
Get Your Own Custom Quote Go
Honda Pilot insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $134 $188 $280 $16 $84 $702 $59
Pilot EX 2WD $152 $188 $280 $16 $84 $720 $60
Pilot EX 4WD $152 $188 $280 $16 $84 $720 $60
Pilot EX-L 2WD $152 $230 $280 $16 $84 $762 $64
Pilot EX-L 4WD $152 $230 $280 $16 $84 $762 $64
Pilot Touring 2WD $152 $230 $280 $16 $84 $762 $64
Pilot Touring 4WD $152 $230 $280 $16 $84 $762 $64
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Table data does not factor in vehicle garaging location which can lower or raise auto insurance rates considerably.

Based on these figures, using a $100 deductible could cost the average driver approximately $28 more each month or $336 each year than requesting the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 32 months between claims, you would save money if you decide on a higher deductible.

Raise deductibles and save

The illustration below illustrates how choosing a deductible and can change Honda Pilot insurance premiums for different ages of insureds. The price estimates are based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

Do I need an agent?

Some people would rather talk to an insurance agent. Agents are trained to spot inefficiencies and help file insurance claims. The best thing about price shopping on the web is that you can obtain cheap rate quotes and still choose a local agent. And buying from neighborhood agents is still important in Evansville.

Find insurance agent in EvansvilleTo help locate an agent, after submitting this short form, the quote information is instantly submitted to insurance agents in Evansville who will give you quotes for your insurance coverage. You won't even need to leave your computer since price quotes are sent immediately to your email address. If you have a need to get a comparison quote from a specific insurance company, you can always find their quoting web page and fill out their quote form.

If you want to use a local Evansville insurance agent, you must know there are a couple different types of agents and how they can service your needs differently. Insurance agencies are categorized either exclusive agents or independent agents. Either one can insure your vehicles, but it is important to understand the differences since it may influence which type of agent you select.

Independent Agents

Independent agents do not write with just one company so they can quote policies with a variety of different insurance companies and help determine which has the cheapest rates. To move your coverage to a new company, they simply switch companies in-house without you having to go to a different agency. If you are trying to find cheaper rates, you need to check rates from at a minimum one independent agency to have the most options to choose from.

Shown below are Evansville independent insurance agents who can help you get comparison quotes.

7424 Eagle Crest Blvd - Evansville, IN 47715 - (812) 473-5100 - View Map

2029 Washington Ave - Evansville, IN 47714 - (812) 479-3141 - View Map

1136 Washington Square - Evansville, IN 47715 - (812) 491-0995 - View Map

View more Evansville agents

Exclusive Insurance Agencies

These agents can only provide one company's prices and examples are Farmers Insurance, State Farm, or Allstate. They usually cannot provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive agents are usually quite knowledgeable on sales techniques which can be an advantage.

The following is a short list of exclusive insurance agents in Evansville willing to provide rate quotes.

5625 Pearl Dr C - Evansville, IN 47712 - (812) 421-8163 - View Map

1033 Mt Pleasant Rd a - Evansville, IN 47725 - (812) 477-3004 - View Map

Manuel Ramirez - State Farm Insurance Agent
4709 Theater Dr - Evansville, IN 47715 - (812) 477-8882 - View Map

View more Evansville agents

Picking the best car insurance agent needs to be determined by more than just a cheap quote. Any agent in Evansville should be willing to answer these questions.

If you receive good feedback to any questions you have as well as a price you're happy with, it's possible that you found an insurance agent that meets the criteria to service your policy.