Compare Honda Pilot Insurance Rate Quotes in Bakersfield

Insurance rates Honda Pilot in BakersfieldTruthfully, 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.

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.

Honda Pilot Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $328 $534 $574 $34 $172 $1,642 $137
Pilot EX 2WD $370 $534 $574 $34 $172 $1,684 $140
Pilot EX 4WD $370 $534 $574 $34 $172 $1,684 $140
Pilot EX-L 2WD $370 $650 $574 $34 $172 $1,800 $150
Pilot EX-L 4WD $370 $650 $574 $34 $172 $1,800 $150
Pilot Touring 2WD $370 $650 $574 $34 $172 $1,800 $150
Pilot Touring 4WD $370 $650 $574 $34 $172 $1,800 $150
Get Your Own Custom Quote Go

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.

Honda Pilot insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $380 $564 $442 $26 $132 $1,569 $131
Pilot EX 2WD $430 $564 $442 $26 $132 $1,619 $135
Pilot EX 4WD $430 $564 $442 $26 $132 $1,619 $135
Pilot EX-L 2WD $430 $686 $442 $26 $132 $1,741 $145
Pilot EX-L 4WD $430 $686 $442 $26 $132 $1,741 $145
Pilot Touring 2WD $430 $686 $442 $26 $132 $1,741 $145
Pilot Touring 4WD $430 $686 $442 $26 $132 $1,741 $145
Get Your Own Custom Quote Go

Honda Pilot insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $210 $298 $442 $26 $132 $1,108 $92
Pilot EX 2WD $238 $298 $442 $26 $132 $1,136 $95
Pilot EX 4WD $238 $298 $442 $26 $132 $1,136 $95
Pilot EX-L 2WD $238 $362 $442 $26 $132 $1,200 $100
Pilot EX-L 4WD $238 $362 $442 $26 $132 $1,200 $100
Pilot Touring 2WD $238 $362 $442 $26 $132 $1,200 $100
Pilot Touring 4WD $238 $362 $442 $26 $132 $1,200 $100
Get Your Own Custom Quote Go

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.

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.Discount insurance

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.

Bakersfield insurance agentsFor 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.

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.

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.

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.

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