How to Compare Corpus Christi Honda Pilot Insurance

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Honda Pilot insurance cost
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Shocking but true, almost 70% of drivers renewed their policy with the same company for over three years, and nearly half have never quoted car insurance rates at all. Consumers in Texas could save 70% a year by just comparing rate quotes, but they don't believe the benefits if they switched to a more affordable policy.

Insurance for Honda PilotIf you want to find the absolute lowest rates, then the best way to find cheaper Honda Pilot insurance is to make a habit of comparing prices annually from insurers that insure vehicles in Corpus Christi.

  • Step 1: Get an understanding of how car insurance works and the modifications you can make to drop your rates. Many risk factors that result in higher rates like accidents, traffic tickets, and poor credit history can be rectified by improving your driving habits or financial responsibility. Continue reading for more information to get cheaper coverage and find hidden discounts.
  • Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or Farmers Insurance, while independent agencies can quote rates from many different companies. Find a Corpus Christi insurance agent
  • Step 3: Compare the price quotes to your existing coverage and determine if cheaper Pilot coverage is available in Corpus Christi. If you find better rates and decide to switch, verify that coverage does not lapse between policies.
  • Step 4: Provide notification to your current agent or company to cancel your current coverage. Submit the application along with any required down payment for the new policy. As soon as you can, place your new proof of insurance paperwork with the vehicle registration.

The critical component of shopping around is that you use identical deductibles and limits on each quote and to quote with as many different insurance providers as possible. This ensures an apples-to-apples comparison and the best price selection.

Our goal is to teach you the best way to buy inexpensive insurance and some money-saving tips. If you have a current insurance policy, you stand a good chance to be able to save money using these methods. Shoppers only need to know the proper way to buy insurance using one simple form.

Best companies for Honda Pilot insurance

The companies shown below offer quotes in Texas. If you wish to find the best auto insurance in Texas, it's highly recommended you compare several of them in order to get a fair rate comparison.

Insurance coverage details

The rate table below showcases estimates of insurance premium costs for Honda Pilot models. Learning how insurance prices are formulated can aid in making decisions on the best policy coverages.

Honda Pilot Insurance Rates in Corpus Christi, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $202 $316 $514 $30 $154 $1,216 $101
Pilot EX 2WD $228 $316 $514 $30 $154 $1,242 $104
Pilot EX 4WD $228 $316 $514 $30 $154 $1,242 $104
Pilot EX-L 2WD $228 $384 $514 $30 $154 $1,310 $109
Pilot EX-L 4WD $228 $384 $514 $30 $154 $1,310 $109
Pilot Touring 2WD $228 $384 $514 $30 $154 $1,310 $109
Pilot Touring 4WD $228 $384 $514 $30 $154 $1,310 $109
Get Your Own Custom Quote Go

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Price information does not factor in specific location information which can influence premiums noticeably.

Where to set your deductibles

A question often asked by Corpus Christi drivers is which comprehensive and collision deductibles to buy. The data tables below sum up the rate difference when you buy lower versus higher insurance deductibles. The first price estimate table uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.

Honda Pilot insurance 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
Get Your Own Custom Quote Go
Honda Pilot insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $240 $328 $382 $22 $114 $1,086 $91
Pilot EX 2WD $270 $328 $382 $22 $114 $1,116 $93
Pilot EX 4WD $270 $328 $382 $22 $114 $1,116 $93
Pilot EX-L 2WD $270 $400 $382 $22 $114 $1,188 $99
Pilot EX-L 4WD $270 $400 $382 $22 $114 $1,188 $99
Pilot Touring 2WD $270 $400 $382 $22 $114 $1,188 $99
Pilot Touring 4WD $270 $400 $382 $22 $114 $1,188 $99
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Price estimates do not factor in zip code location which can increase or decrease auto insurance rates considerably.

We can derive from the above data that using a $100 deductible will cost you about $25 more each month or $300 each year averaged for all Pilot models than selecting the higher $500 deductible. Because you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have more than 16 months between claims, you would save more money if you choose the higher deductible. The table below illustrates an example of how you can make your own decision.

Average monthly premium for $100 deductibles: $121
Average monthly premium for $500 deductibles (subtract): - $96
Monthly savings from raising deductible: $25
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

Violations and accidents raise rates

The example below shows how violations and at-fault accidents can influence Honda Pilot insurance premiums for different ages of insureds. The premiums assume a single male driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

Car insurance premiums based on gender

The diagram below visualizes the comparison of Honda Pilot car insurance costs for male and female drivers. The costs are based on no claims or driving citations, full coverage, $100 deductibles, drivers are single, and no discounts are applied.

Difference between liability only and full coverage rates

The diagram below illustrates the difference between Honda Pilot auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no violations or accidents, $250 deductibles, drivers are single, and no discounts are taken into consideration.

When to stop buying physical damage coverage

There is no definitive formula for eliminating comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let's pretend your Honda Pilot replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $8,000 after you pay the deductible. If premium cost is more than $800 a year to have full coverage, then it's probably a good time to buy liability coverage only.

There are some circumstances where removing full coverage is not a good idea. If you haven't satisfied your loan, you are required to maintain 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 totaled, you should keep full coverage in place.

Ten discounts for affordable car insurance rates

Companies that sell car insurance don't list every possible discount very well, so the next list breaks down a few of the more common as well as some of the hidden discounts that you may qualify for.Car insurance discounts

  • Onboard Data Collection - Drivers that enable data collection to monitor their driving habits through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might see lower rates as long as the data is positive.
  • Early Signing - Some companies reward drivers for buying a policy early. This discount can save up to 10%.
  • Discount for New Cars - Insuring a vehicle that is new can save you some money because newer vehicles have to meet stringent safety requirements.
  • Save over 55 - If you qualify as a senior citizen, you are able to get better car insurance rates.
  • Safety Course Discount - Passing a safe driver course could cut 5% off your bill and make you a better driver.
  • Passive Restraints - Vehicles equipped with air bags or motorized seat belts can get savings of more than 20%.
  • First Accident Forgiveness - This isn't a discount exactly, but a handful of insurance companies permit an accident before raising your premiums as long as you don't have any claims before the accident.
  • Fewer Miles Equal More Savings - Low annual miles could earn better rates on cars that stay parked.
  • Pay Now and Pay Less - By making one initial payment as opposed to paying monthly you could save 5% or more.
  • Online Discount - Some of the larger companies will provide an incentive just for signing your application on the web.

Drivers should understand that most discount credits are not given to your bottom line cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, it's just not the way it works. But any discount should definitely cut the amount you have to pay.

The chart below shows the comparison of Honda Pilot car insurance rates with and without discounts applied to the policy premium. The premiums assume a male driver, no claims, a clean driving record, Texas 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, claim-free, multi-car, marriage, multi-policy, and safe-driver discounts applied.

For a list of insurers who offer free Honda Pilot insurance quotes in Texas, follow this link.

Local agents and insurance

Some people just want to sit down and talk to an agent and doing so can bring peace of mind Professional agents can help you choose the best coverages and help submit paperwork. The biggest benefit of comparing insurance prices online is that you can find better rates and still buy from a local agent. And buying from small agencies is definitely important in Corpus Christi.

Find insurance agent in Corpus ChristiAfter filling out this form (opens in new window), your insurance coverage information gets sent to agents in your area who will return price quotes for your business. It simplifies rate comparisons since you won't have to leave your house as quotes are delivered to you instantly. If you want to get a price quote for a specific company, feel free to go to their quote page and give them your coverage information.

Is an exclusive or independent car insurance agent right for you?

When finding a reliable insurance agent, it helps to know the two types of insurance agents and how they operate. Agents in Corpus Christi are considered either independent or exclusive. Either one can insure your vehicles properly, but it's good to learn the difference between them since it could factor into the selection process.

Independent Agents (or Brokers)

Independent agents often have affiliation with several companies so they can write business with a variety of different insurance companies and find the cheapest insurance rates. If premiums increase, they can switch companies in-house and you don't have to do anything. If you are comparing rate quotes, it's recommended you get insurance quotes from several independent insurance agents for maximum quote selection.

The following is a list of independent insurance agencies in Corpus Christi who can help you get free rate quotes.

CMM Insurance
1901 Baldwin Blvd # C - Corpus Christi, TX 78404 - (361) 654-0085 - View Map

6500 S Padre Island Dr - Corpus Christi, TX 78412 - (361) 994-1886 - View Map

5009 Kostoryz Rd - Corpus Christi, TX 78415 - (361) 654-0030 - View Map

More insurance agents

Exclusive Agencies

Exclusive insurance agents write business for a single company and examples are AAA, Allstate, and State Farm. Exclusive agents are unable to place coverage with different providers so if the price isn't competitive there isn't much they can do. Exclusive insurance agents are usually quite knowledgeable on their products and sales techniques which aids in selling service over price.

Shown below is a list of exclusive insurance agencies in Corpus Christi that can give you rate quotes.

4942 Everhart Rd - Corpus Christi, TX 78411 - (361) 993-6638 - View Map

6210 Wooldridge Rd b - Corpus Christi, TX 78414 - (361) 993-6787 - View Map

6410 Weber Rd #11d - Corpus Christi, TX 78413 - (361) 814-0123 - View Map

More insurance agents

Choosing the best car insurance agent needs to be determined by more than just the price. The following questions are important to ask.

  • Do the coverages you're quoting properly cover your vehicle?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Can you get a list of referrals?
  • Are there any discounts for paying up front?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • How long have they been in business?

If you feel you receive positive feedback to these questions and locked in a price quote, you've probably found an insurance agency that meets the requirements to service your policy.

Do I need special coverages?

When buying the right insurance coverage, there isn't really a one-size-fits-all type of policy. Every situation is different so your insurance should reflect thatAuto insurance savings For instance, these questions may help you determine if you may require specific advice.

  • Should I have combined single limit or split liability limits?
  • Why am I required to buy high-risk coverage?
  • When should I buy a commercial auto policy?
  • What are the best liability limits?
  • Do I need special endorsements for business use of my vehicle?
  • Will my Honda Pilot be repaired with OEM or aftermarket parts?
  • What is roadside assistance coverage?
  • Is other people's property covered if stolen from my vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered if I break a side mirror?

If you're not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It's fast, doesn't cost anything and you can get the answers you need.

Auto insurance coverages

Knowing the specifics of auto insurance helps when choosing the best coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on the average auto insurance policy.

Collision protection

Collision coverage covers damage to your Pilot resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like hitting a mailbox, sideswiping another vehicle, crashing into a ditch, colliding with another moving vehicle and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to raise the deductible on your Pilot to save money on collision insurance.

Liability coverages

Liability insurance protects you from injuries or damage you cause to other people or property. This insurance protects YOU against claims from other people, and doesn't cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 30/60/25 that means you have a $30,000 limit per person for injuries, $60,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims such as pain and suffering, medical expenses, emergency aid, structural damage and bail bonds. How much liability should you purchase? That is your choice, but buy as large an amount as possible. Texas requires minimum liability limits of 30/60/25 but you should think about purchasing more liability than the minimum.

The chart below shows why low liability limits may not be enough.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle's occupants as well as your vehicle's damage.

Since a lot of drivers only purchase the least amount of liability that is required (which is 30/60/25), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits are set the same as your liability limits.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for bills for pain medications, hospital visits, surgery, ambulance fees and chiropractic care. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, theft and vandalism. The maximum amount you'll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Get the best coverage at the most affordable price

We covered a lot of tips how to get a better price on Honda Pilot insurance in Corpus Christi. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the lowest premium rates are with an unexpected company. Regional companies may often insure only within specific states and give better rates as compared to the big name companies such as Allstate and Progressive.

When buying insurance coverage, it's a bad idea to skimp on coverage in order to save money. There are many occasions where an insured dropped liability coverage limits and learned later that they should have had better coverage. Your goal should be to find the BEST coverage for the lowest cost and still be able to protect your assets.

To learn more, feel free to browse the resources below: