Cheapest Honda Pilot Insurance in Cleveland

Insurance quote for Honda Pilot in ClevelandIt goes without saying that auto insurance companies want to keep you from shopping around. Consumers who shop around at least once a year are inclined to switch to a new company because they stand a good chance of finding a lower-priced company. A recent survey discovered that drivers who regularly compared rates saved $865 a year compared to drivers who didn’t regularly shop around.

If finding discount rates on Honda Pilot insurance in Cleveland is your ultimate goal, then having an understanding of how to quote prices and compare auto insurance can save time, money, and frustration.

The best way to get more affordable Honda Pilot insurance in Cleveland is to start doing a yearly price comparison from insurers that sell auto insurance in Ohio. Drivers can shop around by completing these steps.

  1. It will benefit you to learn about the different coverages in a policy and the measures you can control to keep rates low. Many rating factors that drive up the price like traffic violations and a less-than-favorable credit history can be controlled by making small lifestyle or driving habit changes.
  2. Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO and Allstate, while independent agencies can provide price quotes for a wide range of insurance providers.
  3. Compare the quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find a lower rate, make sure coverage is continuous and does not lapse.

An essential thing to point out is to try to use the same physical damage deductibles and liability limits on every price quote and and to get quotes from as many auto insurance providers as possible. Doing this guarantees the most accurate price comparison and a good representation of prices.

To find the best insurance rates, there are several ways to compare quotes from different Cleveland insurance companies. The quickest method to find cheaper Honda Pilot rates consists of shopping online.

Getting rates online is very simple and it replaces the need to physically go to insurance agents’ offices. Comparing Honda Pilot insurance rates online makes this unnecessary unless you have a complicated situation and need the advice and guidance of a licensed agent. Some companies do allow you to get prices online and still use a local agent.

When comparison shopping, having more price comparisons will enable you to find the best rates.

The companies in the list below are our best choices to provide free quotes in Ohio. If you wish to find the best car insurance in Ohio, it’s highly recommended you compare several of them to get a more complete price comparison.

Coverage information

The price information displayed below highlights detailed analysis of prices for Honda Pilot models. Having a good grasp of how insurance prices are formulated can help customers make smart choices when purchasing an insurance policy.

Honda Pilot Insurance Rates in Cleveland, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $172 $280 $274 $16 $82 $824 $69
Pilot EX 2WD $194 $280 $274 $16 $82 $846 $71
Pilot EX 4WD $194 $280 $274 $16 $82 $846 $71
Pilot EX-L 2WD $194 $340 $274 $16 $82 $906 $76
Pilot EX-L 4WD $194 $340 $274 $16 $82 $906 $76
Pilot Touring 2WD $194 $340 $274 $16 $82 $906 $76
Pilot Touring 4WD $194 $340 $274 $16 $82 $906 $76
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Estimates do not factor in your specific Cleveland location which can revise insurance rates substantially.

Comparison of policy deductibles

When shopping for insurance, a common question is how high should the physical damage deductibles be. The figures shown below can help illustrate the rate difference between high and low coverage deductibles. The first set of rates uses a $250 deductible for physical damage and the second set of prices uses a $500 deductible.

Honda Pilot insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $176 $242 $226 $14 $68 $751 $63
Pilot EX 2WD $198 $242 $226 $14 $68 $773 $64
Pilot EX 4WD $198 $242 $226 $14 $68 $773 $64
Pilot EX-L 2WD $198 $296 $226 $14 $68 $827 $69
Pilot EX-L 4WD $198 $296 $226 $14 $68 $827 $69
Pilot Touring 2WD $198 $296 $226 $14 $68 $827 $69
Pilot Touring 4WD $198 $296 $226 $14 $68 $827 $69
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Honda Pilot insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $142 $196 $226 $14 $68 $646 $54
Pilot EX 2WD $160 $196 $226 $14 $68 $664 $55
Pilot EX 4WD $160 $196 $226 $14 $68 $664 $55
Pilot EX-L 2WD $160 $238 $226 $14 $68 $706 $59
Pilot EX-L 4WD $160 $238 $226 $14 $68 $706 $59
Pilot Touring 2WD $160 $238 $226 $14 $68 $706 $59
Pilot Touring 4WD $160 $238 $226 $14 $68 $706 $59
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Price estimates do not factor in specific location information which can change coverage rates noticeably.

Based on the above data, using a $250 deductible costs an average of $10 more each month or $120 for a full year than choosing the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 25 months between claim filings, you would most likely save money going with the higher deductible. The table below illustrates an example of how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $67
Average monthly premium for $500 deductibles (subtract): – $57
Monthly savings from raising deductible: $10
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $10
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

An important sidenote is that increasing deductibles to lower your rates means you will have to pay more out-of-pocket when you file a claim. That will require some available funds in order to pay the deductible.

Reckless driving habits raise insurance rates

The diagram below illustrates how traffic citations and at-fault claims impact Honda Pilot insurance costs for each age group. The rates are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.

Cost of full coverage

The illustration below shows the comparison of Honda Pilot insurance premiums when comparing full coverage to liability only. The rates are based on a clean driving record, no claims, $500 deductibles, single marital status, and no discounts are taken into consideration.

Should you pay for full coverage?

There is no definitive guideline that works best for making the decision to drop physical damage coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

For example, let’s pretend your Honda Pilot claim settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $6,000 after you pay the deductible. If it’s costing in excess of $600 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are a few cases where eliminating full coverage is not recommended. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

Why you need auto insurance

Even though it’s not necessarily cheap to insure a Honda in Cleveland, maintaining insurance is a good idea for several reasons.

The benefits of insuring your Pilot more than cancel out the cost, particularly if you ever have a claim. The average driver in Ohio overpays more than $820 a year so it’s important to compare rates at least once a year to be sure current rates are still competitive.

Lower rates by qualifying for these eight discounts

Some insurers don’t necessarily list every policy discount very clearly, so below is a list some of the more common and also the lesser-known auto insurance savings.Discount auto insurance

Don’t be surprised that some credits don’t apply to the overall cost of the policy. Most only reduce specific coverage prices like comprehensive or collision. Despite the fact that it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

The chart below compares Honda Pilot car insurance rates with and without discounts applied. The premiums are based on a male driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, claim-free, marriage, homeowner, and safe-driver discounts applied.

Auto insurance companies that may have many of the previously listed discounts may include but are not limited to:

When getting free Cleveland car insurance quotes, it’s a good idea to each insurance company to give you their best rates. Discounts may not apply in every state. For a list of companies that offer many of these discounts in Ohio, click here to view.

Shop online but buy locally

Some people prefer to buy from a licensed agent. The biggest benefit of comparing insurance prices online is that you can obtain cheaper premium rates but also keep your business local. Putting coverage with small agencies is especially important in Cleveland.

To make it easy to find an agent, after completing this simple form, the quote information is instantly submitted to insurance agents in Cleveland that give free quotes for your business. You never need to find an agent on your own since price quotes are sent immediately to you. You can get cheaper insurance rates and work with a local agent. If you need to quote rates from a specific insurance provider, don’t hesitate to jump over to their website and complete a quote there.

Different types of auto insurance agents in Cleveland

If you would like to find local Cleveland agents, you need to know there are two types of agencies and how they can write your policy. Insurance policy providers are categorized either exclusive agents or independent agents.

Independent Agencies or Brokers

These agents are normally appointed by many insurers and that gives them the ability to insure with lots of companies and get you the best rates possible. If they find a lower price, your agent can just switch to a different company and you stay with the same agent. When shopping rates, we recommend you include a few independent agents to get the best comparison.

Shown below is a short list of independent insurance agencies in Cleveland that may be able to give free insurance rate quotes.

Coventry Insurance Agency
230 W Huron RdCleveland, OH 44113(216) 307-3611View Map

Mraz Insurance Agency
20180 Center Ridge RdCleveland, OH 44116(440) 356-2055View Map

5602 State RdParma, OH 44134(800) 701-5909View Map

More insurance agents

Exclusive Insurance Agents

Agents that elect to be exclusive are contracted to one company and some examples include Allstate, State Farm and Farmers Insurance. These agents are not able to shop your coverage around so they have to upsell other benefits. These agents receive a lot of sales training on sales techniques which aids in selling service over price.

Below are Cleveland exclusive agencies willing to provide comparison quotes.

4219 W 210th StFairview Park, OH 44126(440) 331-3111View Map

16812 Chagrin BlvdShaker Heights, OH 44120(216) 283-0080View Map

15105 Puritas AveCleveland, OH 44135(216) 362-6526View Map

More insurance agents

Deciding on an auto insurance agent shouldn’t rely on just the premium amount. Agents should be asked these questions:

Ohio auto insurance company ratings

Picking a good quality insurance provider is hard considering how many companies are available to choose from in Ohio. The ranking data shown next could help you decide which car insurance providers you want to consider when shopping around.

Best Auto Insurance Companies in Cleveland
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
Mercury Insurance 87 95 87 84% A+ 88.3
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Best Car Insurance Companies

Specific coverages for a Honda Pilot

Knowing the specifics of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring. These are the usual coverages available from insurance companies.

Liability car insurance

This coverage can cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims such as attorney fees, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford. Ohio state law requires minimum liability limits of 25/50/25 but drivers should carry more liability than the minimum.

The chart below shows why the minimum limit may not be adequate coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like pain medications, ambulance fees, hospital visits and chiropractic care. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Coverage for collisions

Collision coverage covers damage to your Pilot caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as driving through your garage door, sustaining damage from a pot hole, colliding with another moving vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible on your Pilot in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Pilot.

Since many Ohio drivers only carry the minimum required liability limits (25/50/25), their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently these limits are similar to your liability insurance amounts.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, theft, damage from flooding and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

One last note

You just learned some good ideas how you can find cheap Honda Pilot insurance in Cleveland. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even find the best rates are with a company that doesn’t do a lot of advertising. Regional companies can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.

As you prepare to switch companies, it’s not a good idea to reduce needed coverages to save money. In many cases, someone dropped full coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy enough coverage at the best price but still have enough coverage for asset protection.

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