Compare Honda Pilot Insurance Rate Quotes in Bakersfield

Truthfully, the best way to find cheaper Honda Pilot insurance is to compare quotes once a year from providers in Bakersfield.

Step 1: Spend some time learning about coverages and the steps you can take to prevent rate increases. Many policy risk factors that cause rate increases such as careless driving and poor credit rating can be rectified by making minor changes to your lifestyle.

Step 2: Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like GEICO or Farmers Insurance, while independent agencies can quote prices for a wide range of insurance providers.

Step 3: Compare the quotes to your existing rates to determine if you can save on Pilot insurance in Bakersfield. If you can save some money and buy the policy, verify that coverage does not lapse between policies.

Step 4: Tell your current agent or company of your intent to cancel your existing policy and submit a signed application and payment to the new insurer. Don’t forget to safely store the certificate verifying coverage in an easily accessible location.

The most important part of shopping around is that you use the same coverage limits and deductibles on each price quote and to quote with every insurance company. This enables the most accurate price comparison and a complete rate analysis.

Everyone knows that car insurance companies don’t want their customers to go rate shopping. Consumers who shop around for cheaper prices are very likely to switch companies because there is a good chance of finding a policy with more affordable rates. A recent survey discovered that consumers who regularly shopped around saved $3,400 over four years compared to other drivers who never shopped around for lower prices.

If finding the cheapest rates on auto insurance in Bakersfield is the reason you’re reading this, then having an understanding of how to choose a company and compare auto insurance can help you succeed in saving money.

If you have a policy now or are shopping for new coverage, you can use this information to reduce the price you pay without having to cut coverage. This information will help educate you on the most effective way to quote insurance and how you can save the most money. Vehicle owners only need an understanding of the proper methods to compare different rates online from multiple companies.

Lower Your Bakersfield Insurance Rates

When buying car insurance it’s important to understand a few of the rating criteria that aid in calculating the level of your policy premiums. If you have a feel for what influences your rates, this helps enable you to make changes that may result in big savings. Many factors are used in the calculation when you get a price on insurance. A few of the factors are predictable such as your driving record, but others are not as apparent such as whether you are married or your vehicle rating.

• Performance affects rates – The performance of the car you drive makes a substantial difference in your auto insurance rates. Lower performance four cylinder passenger cars usually have the lowest premiums, but there are many factors that impact the final cost.

  The next chart assumes a married female driver age 40, full coverage with $500 deductibles, and no discounts or violations. It illustrates Honda Pilot car insurance rates compared to other models of vehicles that have a range of risk factors.

• With age comes lower rates – Drivers with little experience have been known to be inattentive in a vehicle therefore car insurance rates are much higher. Adding a teenage driver onto your car insurance can be quite pricey. Older insureds are viewed as being more responsible, statistically cause fewer accidents, and get fewer tickets.

  The chart below uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.

• Do you have a stressful vocation? – Jobs such as military personnel, police officers, and medical professionals tend to have higher premiums than the average policyholder attributed to stressful work requirements and lots of time spent at work. Conversely, occupations such as actors, historians and homemakers have lower than average premiums.
• Urban residents pay more – Residing in a small town has definite advantages when shopping for auto insurance. People in densely populated areas have to deal with much more traffic and longer commute times. Fewer people translates into fewer accident claims.
• Deter theft and lower rates – Choosing a vehicle with a theft deterrent system can help bring down rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft and help bring rates down.

• Honda Pilot insurance claim data – Insurance companies factor in historical loss data to calculate a rate that will offset losses. Vehicles that the statistics show to have increased losses will have higher premium rates. The table below illustrates the loss history for Honda Pilot vehicles.

  For each insurance policy coverage type, the loss probability for all vehicles combined as an average is represented as 100. Percentages below 100 suggest a better than average loss history, while numbers shown that are more than 100 indicate a higher chance of having a claim or larger claims.

  
  

  Auto Insurance Loss Data for Honda Pilot Models

  Vehicle 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

  BETTER

  AVERAGE

  WORSE

  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

The most recommended method to compare car insurance company rates for Honda Pilot insurance in Bakersfield takes advantage of the fact most insurance companies pay for the opportunity to give free rates quotes. The only thing you need to do is provide a little information like whether the vehicles are used for commuting, if the car is leased, how much school you completed, and deductibles desired. Your insurance information is sent automatically to insurance carriers in your area and you get price estimates quickly.

To check rates for your Honda Pilot now, click here and find out if you can get cheaper insurance in Bakersfield.

The companies shown below can provide free rate quotes in California. If multiple companies are listed, we suggest you get prices from several of them to get the cheapest price.

Rate information and statistics

The data table shown below highlights estimates of rate quotes for Honda Pilot models. Knowing how rates are calculated is important for you to make informed decisions when comparing rate quotes.

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price estimates do not factor in garaging location in Bakersfield which can change premium rates significantly.

Rate comparison for different deductibles

The hardest decision when buying coverage is where to set your physical damage deductibles. The premium rates below can help you understand the cost difference when you choose different coverage deductibles. The first rate table uses a $100 physical damage deductible and the second rate chart uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Prices do not factor in garaging location in Bakersfield which can affect premium rates greatly.

Based on this data, using a $100 deductible costs an average of $43 more each month or $516 for a full year averaged for all Pilot models than opting for the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 21 months between claim filings, you would probably save some money if you decide on a higher deductible.

The chart below highlights how deductible selection and can influence Honda Pilot premium costs for each age group. Data assumes a single male driver, full physical damage coverage, and no discounts are applied.

Cost of full coverage

The information below shows the comparison of Honda Pilot insurance rates with full coverage and liability only. The rates are based on no claims or driving citations, $250 deductibles, single marital status, and no policy discounts are applied.

When to eliminate full coverage

There is no definitive rule for phasing out physical damage insurance, but there is a general convention. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let’s say your Honda Pilot book value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $3,000 after paying the physical damage deductible. If you are paying more than $300 a year for your policy with full coverage, then you might want to think about dropping full coverage.

There are a few situations where removing full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage in place.

Choosing Pilot insurance is an important decision

Even though it can be expensive, buying car insurance serves an important purpose.

• Just about all states have compulsory liability insurance requirements which means state laws require specific limits of liability protection in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you have a lien on your Pilot, almost every bank will make it a condition of the loan that you buy insurance to guarantee loan repayment. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Honda at a much higher premium rate and force you to pay for it.
• Car insurance preserves both your Honda and your assets. It will also cover all forms of medical expenses incurred in an accident. Liability insurance will also pay to defend you if you are sued as the result of your driving. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.

The benefits of buying enough insurance outweigh the cost, especially with large liability claims. But the average American driver is overpaying more than $865 each year so it’s important to compare rates once a year at a minimum to ensure rates are inline.

Affordable rates by getting discounts

Companies offering auto insurance don’t always advertise all discounts very well, so the following list contains some of the more common and the more hidden credits that may apply to you.

• Good Driver Discount – Drivers who avoid accidents may receive a discount up to 45% than drivers with accident claims.
• Discount for Swiching Early – A few companies allow discounts for buying a new policy prior to your current Pilot insurance policy expiring. The savings is around 10%.
• Own a Home and Save – Being a homeowner can save you money due to the fact that maintaining a home is proof that your finances are in order.
• Distant Student Discount – Any of your kids living away from Bakersfield attending college and do not have a car may qualify for this discount.
• Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to successfully take a driver’s education course as it can save substantially.
• Theft Deterrent System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
• First Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies will turn a blind eye to one accident before they charge you more for coverage so long as you are claim-free for a certain period of time.

As a sidenote, some of the credits will not apply to the whole policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So even though you would think it’s possible to get free car insurance, it just doesn’t work that way. But all discounts will definitely lower the cost of coverage.

The chart below visualizes the comparison of Honda Pilot auto insurance rates with and without discounts being applied to the rates. The premiums assume a male driver, no claims or violations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, safe-driver, claim-free, and multi-policy discounts applied.

If you would like to choose from a list of companies that can offer you the previously mentioned discounts in California, click here to view.

Do I need an agent?

Many people still prefer to get professional advice from a licensed agent and we recommend doing that Good insurance agents can help determine the best coverages and will help you if you have claims. The biggest benefit of comparing auto insurance online is that drivers can save money and get cheaper rates and still have a local agent.

For easy comparison, once you complete this simple form, your information is instantly submitted to participating agents in Bakersfield who will return price quotes for your insurance coverage. There is no reason to contact any agents because prices are sent straight to your inbox. If for some reason you want to get a comparison quote from a specific insurance company, feel free to go to their quote page to submit a rate quote request.

Choosing an provider requires you to look at more than just a cheap quote. Get answers to these questions too.

• What is their Better Business Bureau rating?
• Which insurance company do they prefer to write with?
• Do you work with a CSR or direct with the agent?
• Are all drivers listed on the coverage quote?
• Do they offer accident forgiveness?
• Is there any savings for paying the full premium?
• What discounts might you be missing?

Best auto insurance agent in Bakersfield

If you would like to find a reliable insurance agent, there are two types of agencies and how they work. Auto insurance agents can be classified as either exclusive or independent (non-exclusive). Either type can insure your vehicles, but it’s worth learning the subtle differences since it can affect buying decisions.

Exclusive Insurance Agents

These agents can only quote rates from one company and examples are Farmers Insurance or State Farm. They usually cannot provide rate quotes from other companies so they are skilled at selling on more than just price. These agents are highly trained on what they offer and that can be a competitive advantage. Consumers sometimes buy insurance from these agents mainly due to the brand legacy and the convenience of having a single billing for all their coverages.

The following are exclusive agencies in Bakersfield that are able to give comparison quotes.

• Dawn Fore – State Farm Insurance Agent
  4801 Truxtun Ave #200 – Bakersfield, CA 93309 – (661) 324-2300 – View Map
• Bill Thomas – State Farm Insurance Agent
  8200 Stockdale Hwy Ste M3 – Bakersfield, CA 93311 – (661) 397-1999 – View Map
• Allstate Insurance: Hero Singh
  3400 Panama Ln h – Bakersfield, CA 93313 – (661) 229-4008 – View Map

More insurance agents

Independent Auto Insurance Agencies

Independent agencies are not restricted to one company so they can write business amongst many companies and find you cheaper rates. If premiums increase, your policy is moved internally and you don’t have to switch agencies. When comparing auto insurance rates, you absolutely need to get several quotes from independent agents to get the best comparison. Most also have access to less well-known companies that may provide cheaper auto insurance rates.

The following are independent agencies in Bakersfield who can help you get rate quotes.

• NSE Insurance Agencies, Inc.
  5330 Office Center Ct # 69 – Bakersfield, CA 93309 – (661) 327-0620 – View Map
• California Canyon Insurance Agency
  B, 4900 California Ave #210 – Bakersfield, CA 93309 – (661) 377-2978 – View Map
• Fox, James H – James H Fox Insurance
  42 Bernard St – Bakersfield, CA 93305 – (661) 322-2023 – View Map

More insurance agents

If you get acceptable answers to any questions you have as well as offering an affordable quote, you have narrowed it down to an auto insurance agent that will properly insure your vehicles.

You can lower your car insurance rates

You just learned quite a bit of information on how to reduce Honda Pilot insurance premium rates online in Bakersfield. The key thing to remember is the more quotes you get, the higher your chance of finding affordable Bakersfield car insurance quotes. Consumers may even find the lowest priced car insurance comes from a smaller regional carrier.

Drivers switch companies for many reasons like denial of a claim, questionable increases in premium, policy non-renewal or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching car insurance companies is pretty simple and you could end up saving a buck or two.

Budget-friendly car insurance in Bakersfield can be bought from both online companies in addition to many Bakersfield insurance agents, and you should compare rates from both to have the best rate selection. Some car insurance companies do not offer the ability to get a quote online and most of the time these smaller providers work with independent insurance agents.

Helpful resources

• Distracted Driving Extends Beyond Texting (State Farm)
• How Much is Auto Insurance for a Toyota Corolla in Bakersfield? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for Safe Drivers in Bakersfield? (FAQ)
• What Car Insurance is Cheapest for Lyft Drivers in Bakersfield? (FAQ)
• Who Has the Cheapest Auto Insurance for Drivers Over Age 60 in Bakersfield? (FAQ)
• How Much are Car Insurance Rates for a Mazda CX-7 in Bakersfield? (FAQ)
• Who Has the Cheapest Car Insurance for a Ford Fusion in Bakersfield? (FAQ)
• Understanding Rental Car Insurance (Insurance Information Institute)
• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)