Find Insurance for Your Honda Pilot at a Discount Online in Las Vegas

Finding the cheapest insurance for a Honda Pilot in Nevada could be a lot of work, but you can use these tips to find lower rates. There is a better way to find car insurance online and we’ll show you the quickest way to price shop coverage for a Honda and obtain the cheapest rates from Las Vegas insurance agents and online providers.

Factors determining your Honda Pilot insurance premium

An important part of buying insurance is that you know the different types of things that play a part in calculating your car insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that can help you get big savings.

• Safer cars cost less to insure – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles result in less severe injuries and better occupant protection means lower claim amounts and thus lower rates. If your Honda Pilot scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
• Liability coverage is peace of mind – Your policy’s liability coverage is the coverage that protects you when you are found to be at fault for causing damage or personal injury in an accident. It provides for a legal defense starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
• Discounts for multiple policies – Many car insurance companies give discounts to people who buy several policies from them, otherwise known as a multi-policy discount. Even if you’re getting this discount you may still want to comparison shop to make sure you are getting the best deal. You may still find a better deal by insuring with multiple companies.
• An active claims history can cost you – If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Companies in Nevada award cheaper rates to policyholders who are claim-free. Auto insurance is intended for major claims that would cause financial hardship.
• Increase deductibles and save – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Honda. Some examples of claims that would be covered could be a windshield shattered by a rock, collision with an animal, and windstorm damage. Deductibles for physical damage are how much you are willing to pay out-of-pocket before your car insurance pays a claim. The more expense the insured has to pay upfront, the less your car insurance will be for Pilot coverage.
• No coverage gaps is important – Not having insurance is illegal and you will pay a penalty because you let your insurance expire. Not only will rates go up, but being ticketed for driving with no insurance may earn you a revoked license or a big fine.Then you may be required to prove you have insurance by filing a SR-22 with the Nevada DMV.
• Optional equipment can affect rates – Owning a car with anti-theft technology or alarm system can help lower your rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft.

Compare the Market for Car Insurance in Las Vegas, NV

The are a couple different ways of comparing rates from car insurance companies in your area. The easiest way by far to find competitive Honda Pilot insurance rates is to use the internet to compare rates. This can be done in a couple of different ways.

1. The single most time-saving way to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This method eliminates the need for repetitive form entry for every car insurance company. Just one form will get you rate comparisons instantly. This is by far the quickest method.
2. A more time consuming way to compare prices is to take the time to go to the website for every company you want to comare and fill out their own quote form. For examples sake, let’s assume you want to compare Auto-Owners, Liberty Mutual and Progressive. To get rate quotes you would need to spend time on each company’s site and enter your information, which is why most consumers use the first method.

   For a list of links to insurance companies in Las Vegas, click here.

3. The least recommended method of getting rate comparisons to different Las Vegas agent offices. The ability to buy insurance online eliminates the need for an insurance agent unless you prefer the professional advice that only a license agent can provide. However, consumers can comparison shop online but still have the advice of a local agent. We’ll cover that shortly.

Which method you use is up to you, but ensure you are comparing apples-to-apples coverage limits with each company. If each company quotes unequal deductibles or liability limits it will be next to impossible to determine which rate is truly the best in Las Vegas. Quoting even small variations in limits may result in large price differences. Just keep in mind that obtaining a wide range of quotes will enable you to find the best offered rates.

Verify you’re getting all your discounts

Auto insurance companies don’t necessarily list all available discounts very clearly, so we took the time to find both well-publicized as well as the least known discounts you could be receiving.

• Auto/Home Discount – When you have multiple policies with the same insurance company you will save 10% to 20% off each policy.
• No Accidents – Good drivers with no accidents can save substantially as compared to accident-prone drivers.
• Homeowners Discount – Owning a house in Las Vegas may trigger a car insurance policy discount because owning a home demonstrates responsibility.
• Drive Safe and Save – Safe drivers may save up to 50% more for Pilot coverage than less cautious drivers.
• Good Students Pay Less – This discount can be rewarded with saving of up to 25%. The discount lasts up to age 25.
• Clubs and Organizations – Being a member of a civic or occupational organization is a good way to get lower rates when shopping for car insurance for Pilot coverage.
• No Charge for an Accident – A few companies permit an accident before hitting you with a surcharge if you are claim-free for a certain period of time.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
• Driver Safety – Completing a course teaching defensive driving skills could cut 5% off your bill if you qualify.

Consumers should know that some credits don’t apply the the whole policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like adding up those discounts means a free policy, you’re out of luck.

Your insurance agent down the street

Certain consumers would rather sit down with an agent and that is a personal choice. The best thing about getting online price quotes is you may find the best rates and still choose a local agent.

Upon completion of this quick form, your information is transmitted to companies in Las Vegas who will give you bids to get your business. There is no reason to drive around because quoted prices will be sent to your email. How cool is that?! Get lower rates and a licensed agent to work with.

Choosing an insurance company shouldn’t rely on just the bottom line cost. Here are some questions to ask:

• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Does the agent have professional designations like CIC, CPCU or AIC?
• Does the agency have a good rating with the Better Business Bureau?
• Do the coverages you’re quoting properly cover your vehicle?
• What are the financial ratings for the companies they represent?
• Are there any hidden costs in their price quote and does it include driving and credit history?

Pick the best insurance agent in Las Vegas for you

When searching for local Las Vegas agents, you need to know there are two different types of agents that differ in how they can insure your vehicles. Insurance agencies in Las Vegas are either independent or captive.

Captive Agents

Captive agencies write business for a single company like State Farm or Allstate. They generally cannot compare other company’s rates so they have no alternatives for high prices. These agents receive extensive training on their products and sales techniques which can be an advantage. Some consumers prefer to purchase coverage from captives mostly because of the brand legacy and strong financial ratings.

Independent Agents (or Brokers)

Independent agents are not locked into one company so they have the ability to put coverage with any number of different companies and potentially find a lower price. If your agent finds better pricing, an independent agent can move your coverage and you don’t have to find a new agent. When shopping rates, it’s a good idea to contact at a minimum one independent agency to ensure the widest selection of prices. They often place coverage with lesser-known insurance companies which can save you money.

After receiving acceptable answers to any questions you have and a low price estimate, you’ve probably found a car insurance agent that meets your needs to provide car insurance coverage.

Insurance agents can help

When choosing coverage for your personal vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover whether you would benefit from an agent’s advice.

• Is my Honda Pilot covered for flood damage?
• Can I afford low physical damage deductibles?
• Is there coverage for injuries to my pets?
• Does my personal policy cover me when driving my company car?
• Does my medical payments coverage pay my health insurance deductible?
• What is high-risk coverage and where do I buy it?
• Will I lose any money if I cancel my policy before it expires?
• Do I really need UM/UIM coverage?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

More tips and info about car insurance is available at the Nevada Division of Insurance website. Consumers can find disaster information, read industry bulletins, and find out industry alerts.

More related Las Vegas car insurance information:

• Cheapest Prices When Insuring a Chevy Impala in Las Vegas

Summing up your car insurance search

Insureds change insurance companies for any number of reasons including policy cancellation, not issuing a premium refund, delays in responding to claim requests and policy non-renewal. It doesn’t matter why you want to switch finding a new car insurance company is less work than it seems.

Cost effective Honda Pilot insurance is possible from both online companies and with local Las Vegas insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies do not offer online quoting and these smaller companies work with independent agents.

We just showed you some good ideas how you can shop for Honda Pilot insurance online. The key thing to remember is the more quotes you get, the higher the chance of saving money. Consumers could even find that the biggest savings come from a small mutual company.