Compare Honda Pilot Insurance Rates in Kansas City

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Discount Honda Pilot insuranceThe easiest way to get the cheapest Honda Pilot insurance in Kansas City is to start doing a yearly price comparison from insurance carriers that insure vehicles in Missouri. Prices can be compared by following these steps.

  • Step 1: Try to comprehend what coverages are included in your policy and the steps you can take to keep rates low. Many rating factors that increase rates like getting speeding tickets and a poor credit score can be eliminated by paying attention to minor details. Keep reading for more details to help find cheaper rates and find missing discounts.
  • Step 2: Compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like GEICO or State Farm, while independent agencies can quote rates from multiple insurance companies.
  • Step 3: Compare the new quotes to your current policy premium and determine if cheaper Pilot coverage is available in Kansas City. If you can save some money and buy the policy, ensure there is no coverage lapse between policies.
  • Step 4: Give notification to your agent or company of your intention to cancel your current coverage and submit the required down payment along with the signed application to the newly selected company. Make sure you put the new proof of insurance certificate in an accessible location in your vehicle.

An important part of this process is to make sure you're comparing identical deductibles and limits on every price quote and and to compare as many auto insurance providers as possible. This enables an accurate price comparison and a thorough price selection.

It's a fact that auto insurance companies want to keep your business as long as possible. Insureds who shop around annually are inclined to switch auto insurance companies because they stand a good chance of finding a policy with better rates. A recent study showed that consumers who compared rates annually saved about $3,400 over four years compared to drivers who never compared other company's rates.

If finding the most affordable Honda Pilot insurance is your ultimate objective, understanding how to compare coverages can save money and time.

If you have coverage now or just want cheaper rates, take advantage of these tips to lower your rates without reducing protection. Quoting and buying more affordable coverage in Kansas City is not as difficult as people think. You just need to use how to shop their coverage around from many companies at once.

Four Tips to Get Cheaper Kansas City Insurance Costs

Smart consumers have a good feel for the different types of things that aid in calculating auto insurance rates. If you know what positively or negatively impacts your premiums, this enables you to make decisions that could help you find cheaper rates. Multiple criteria are used when quoting car insurance. Some factors are common sense such as your driving history, although some other factors are more obscure like where you live or your commute time.

The factors shown below are some of the major factors that factor into your rate level.

When should you file claims? - If you file a lot of claims you can expect higher premiums or even policy non-renewal. Auto insurance companies in Missouri generally give the lowest premiums to insureds who file claims infrequently. Your car insurance is intended to be relied upon for claims that you cannot pay yourself.

Choose high safety ratings and save - Vehicles with good safety scores tend to be cheaper to insure. Safer cars have better occupant injury protection and fewer serious injuries translates directly to fewer claims and more competitive rates for policyholders. If the Honda Pilot is rated at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.

A good credit rating can save money - A driver's credit score can be an important factor in your rate calculation. Insureds that have high credit ratings tend to be less risk to insure than drivers with bad credit. If your credit history leaves room for improvement, you may save money insuring your Honda Pilot by taking the time to improve your credit score.

Don't get traffic citations - Even a single ticket could increase your next policy renewal by as much as twenty percent. Attentive drivers get better prices compared to bad drivers. People who have flagrant citations like reckless driving or DUI may need to file a SR-22 with their state's licensing department in order to prevent their license from being revoked.

The diagram below illustrates how speeding tickets and accident claims increase Honda Pilot insurance costs for each different age group. The rates are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

Insurance losses for a Honda Pilot - Insurance companies analyze historical claim data as a way to help calculate a profitable premium rate. Models that historically have a higher amount or frequency of claims will have higher rates.

The table below shows the actual insurance loss data for Honda Pilot vehicles. For each insurance policy coverage type, the loss probability for all vehicles, regardless of manufacturer or model, is equal to 100. Numbers that are below 100 indicate a favorable loss history, while values over 100 point to more claims or an increased likelihood of larger losses.

Honda Pilot Insurance Claim Statistics
Make and 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

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

How much does Honda Pilot insurance in Kansas City, MO cost?

Getting cheaper insurance pricing isn't really that difficult. Just take a couple of minutes comparing price quotes online with multiple companies.

The following companies have been selected to offer quotes in Missouri. To locate cheap auto insurance in MO, we suggest you compare several of them to get the best price comparison.

Honda Pilot insurance rates and statistics

The coverage information displayed below showcases a range of insurance rates for Honda Pilot models. Being able to understand how car insurance premiums are formulated helps drivers make decisions when choosing a new policy provider.

Honda Pilot Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $200 $280 $272 $16 $82 $850 $71
Pilot EX 2WD $226 $280 $272 $16 $82 $876 $73
Pilot EX 4WD $226 $280 $272 $16 $82 $876 $73
Pilot EX-L 2WD $226 $340 $272 $16 $82 $936 $78
Pilot EX-L 4WD $226 $340 $272 $16 $82 $936 $78
Pilot Touring 2WD $226 $340 $272 $16 $82 $936 $78
Pilot Touring 4WD $226 $340 $272 $16 $82 $936 $78
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in Kansas City location which can modify insurance rates greatly.

Policy deductibles

One of the most common car insurance questions is where should you set your physical damage deductibles. The following insurance rates may help to conceptualize the rate difference of buying low and high physical damage deductibles. The first data table uses a $250 deductible and the second rate table uses a $500 deductible.

Honda Pilot insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $206 $286 $266 $16 $80 $879 $73
Pilot EX 2WD $232 $286 $266 $16 $80 $905 $75
Pilot EX 4WD $232 $286 $266 $16 $80 $905 $75
Pilot EX-L 2WD $232 $346 $266 $16 $80 $965 $80
Pilot EX-L 4WD $232 $346 $266 $16 $80 $965 $80
Pilot Touring 2WD $232 $346 $266 $16 $80 $965 $80
Pilot Touring 4WD $232 $346 $266 $16 $80 $965 $80
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Honda Pilot insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $168 $230 $266 $16 $80 $760 $63
Pilot EX 2WD $188 $230 $266 $16 $80 $780 $65
Pilot EX 4WD $188 $230 $266 $16 $80 $780 $65
Pilot EX-L 2WD $188 $280 $266 $16 $80 $830 $69
Pilot EX-L 4WD $188 $280 $266 $16 $80 $830 $69
Pilot Touring 2WD $188 $280 $266 $16 $80 $830 $69
Pilot Touring 4WD $188 $280 $266 $16 $80 $830 $69
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in specific location which can raise or lower premiums significantly.

We can derive from the above data that using a $250 deductible costs approximately $11 more each month or $132 for a full year than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you go more than 23 months between claim filings, you would more than likely save some money if you choose the higher deductible.

Should you buy full coverage?

The illustration below compares Honda Pilot insurance premiums with full coverage compared to only the Missouri minimum liability coverage. The information is based on no violations or claims, $250 deductibles, single marital status, and no additional discounts are factored in.

When to eliminate full coverage

There is no clear-cut formula for excluding full coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than 10% of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let's say your Honda Pilot replacement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $8,000 after paying your policy deductible. If you are paying in excess of $800 a year for full coverage, then you might want to consider buying only liability coverage.

There are a few cases where eliminating full coverage is not recommended. If you still have a lienholder on your title, you are required 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 case of an accident, you should not remove full coverage.

Three good reasons to insure your Pilot

Despite the high cost of buying insurance for a Honda Pilot in Kansas City, insuring your vehicle is required by state law in Missouri and it also provides benefits you may not be aware of.

  • Most states have minimum mandated liability insurance limits which means state laws require specific minimum amounts of liability coverage if you want to drive legally. In Missouri these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you took out a loan on your Pilot, almost all lenders will stipulate that you have full coverage to protect their interest in the vehicle. If the policy lapses, the lender will be forced to insure your Honda at an extremely high rate and make you pay for it.
  • Insurance preserves both your vehicle and your personal assets. It also can pay for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, also covers legal expenses in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to have it repaired.

The benefits of carrying enough insurance more than offset the price you pay, especially if you ever need it. Today the average American driver overpays more than $820 a year so you should quote and compare rates at least once a year to ensure rates are competitive.

Discounts for affordable insurance rates

Some insurers don't always advertise all possible discounts very clearly, so the below list has some of the best known and also the lesser-known ways to save on insurance. If you do not check that you are getting every discount you qualify for, you are throwing money away.Insurance discounts

  • Memberships - Being in specific professional or occupational memberships or organizations is a good way to get lower rates on your next renewal.
  • Claim-Free Discount - Insureds with no claims or accidents are rewarded with significantly better rates on Kansas City auto insurance quote in comparison to frequent claim filers.
  • ABS Brakes - Vehicles with anti-lock braking systems prevent accidents so you can save 10 percent or more.
  • One Accident Forgiven - This isn't a discount exactly, but certain companies will let one accident slide without the usual rate increase so long as you are claim-free for a particular time prior to the accident.
  • Multi-line Discount - Larger insurance companies have a discounted rate on car insurance if you buy a life insurance policy as well.
  • Kansas City Homeowners Discount - Just being a homeowner can help you save on insurance because owning a home means you have a higher level of financial diligence.
  • Military Discounts - Being on active deployment in the military may qualify for rate reductions.
  • Multiple Cars - Buying a policy with all your vehicles on one policy may reduce the rate for each vehicle.
  • Auto/Home Discount - If you combine your home and auto policies with the same company they may give you a discount of nearly 15% which can help you find inexpensive Honda Pilot insurance in Kansas City.
  • Save with a New Car - Buying insurance on a new vehicle can cost up to 25% less due to better safety requirements for newer models.

One last thing about discounts, most discounts do not apply to the whole policy. Some only reduce the cost of specific coverages such as comp or med pay. Just because you may think having all the discounts means you get insurance for free, you aren't that lucky.

The information below shows the comparison of Honda Pilot premium costs with and without some available policy discounts. The prices are based on a male driver, no claims or driving violations, Missouri state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, marriage, safe-driver, and claim-free discounts applied.

A few companies who might offer many of the previously listed discounts may include but are not limited to:

Double check with each company the best way to save money. Some of the discounts discussed earlier may not apply to policies everywhere. To find insurance companies that offer many of these discounts in Kansas City, click this link.

Shop online but buy locally

Many drivers still like to visit with an insurance agent and that is OK! Licensed agents are very good at helping people manage risk and will help you if you have claims. An additional benefit of comparing rates online is that drivers can save money and get cheap car insurance rates and still have a local agent. Supporting small agencies is important particularly in Kansas City.

For easy comparison, once you complete this quick form, the quote information is submitted to agents in your area who will return price quotes for your business. You won't need to find an agent since rate quotes are delivered to your email. If you want to quote rates from a particular provider, just jump over to their website and fill out their quote form.

Listed below are Kansas City insurance companies that may be willing to give price quotes for Honda Pilot insurance in Kansas City.

More Kansas City agents

Choosing the best insurer shouldn't rely on just the bottom line cost. Any agent in Kansas City should be willing to answer these questions.

  • Are they involved in claim handling?
  • Which members of your family are coverage by the policy?
  • Do you qualify for any additional discounts?
  • Can you get a list of referrals?
  • How is replacement cost determined on your vehicle?
  • Do the coverages you're quoting properly cover your vehicle?
  • Will the quote change when the policy is issued?
  • How much training do they have in personal risk management?

What is YOUR best insurance company?

We've covered some good ideas how to shop for Honda Pilot insurance online. It's most important to understand that the more rate quotes you have, the higher your chance of finding the cheapest Honda Pilot rate quotes. You may even be surprised to find that the lowest prices come from a smaller regional carrier.

Lower-priced auto insurance in Kansas City is possible on the web as well as from independent agents in Kansas City, so you need to shop Kansas City auto insurance with both in order to have the best price selection to choose from. A few companies do not offer the ability to get a quote online and these small, regional companies only sell coverage through independent agencies.

When you buy Kansas City auto insurance online, you should never skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice physical damage coverage only to find out they didn't have enough coverage. The proper strategy is to get the best coverage possible at the lowest possible cost, but don't skip important coverages to save money.

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