When shopping for more affordable insurance, are you intimidated by the number of auto insurance providers in your area? You have so many options that it can quickly become a real difficult job to compare rates on Honda Pilot insurance. Everyone knows that Columbia is a wonderful place to live, but high auto insurance prices can make it nearly impossible to afford good insurance coverage.

Insurance for Honda PilotA recent study showed that nearly 70% of consumers kept their policy with the same company for four years or more, and nearly half have never even compared quotes to find cheaper rates. American insurance shoppers can save $850 each year by just comparing quotes, but they don't know the big savings they would realize if they moved their coverage to a different company.

Smart consumers take time to shop coverage around yearly since insurance prices are constantly changing. Just because you had the best deal on Honda Pilot insurance in Columbia on your last policy other companies may now be cheaper. There is a lot of wrong information about Pilot insurance online, but we're going to give you some of the best techniques to quit paying high auto insurance rates in Columbia.

Locating the best rates in Columbia is not rocket science. Basically, anyone who is overpaying for car insurance will probably find a better price. Although South Carolina car owners must learn how companies calculate your policy premium and apply this information to your search.

The quickest method we recommend to compare rates for Honda Pilot insurance in Columbia is to take advantage of the fact auto insurance companies participate in online systems to provide you with free rate quotes. All you need to do is provide a small amount of information such as any included safety features, if the car is leased, how much education you have, and if you require a SR-22. That rating data is sent automatically to many highly-rated insurers and you will get price comparisons very quickly.

To compare multiple company cheap Honda Pilot insurance rates now, click here and enter the information requested.

The companies shown below have been selected to offer comparison quotes in South Carolina. If multiple companies are listed, we recommend you get prices from several of them to get the lowest price.

Honda Pilot Insurance Costs in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $206 $332 $444 $26 $132 $1,140 $95
Pilot EX 2WD $286 $428 $386 $22 $116 $1,238 $103
Pilot EX 4WD $256 $362 $320 $18 $96 $1,052 $88
Pilot EX-L 2WD $332 $530 $342 $20 $102 $1,326 $111
Pilot EX-L 4WD $286 $502 $444 $26 $132 $1,390 $116
Pilot Touring 2WD $276 $358 $448 $26 $134 $1,242 $104
Pilot Touring 4WD $322 $520 $348 $20 $104 $1,314 $110
Get Your Own Custom Quote Go

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Premium costs do not factor in your specific Columbia location which can impact coverage rates considerably.

Impact of violations and accidents on rates in Columbia

The chart below illustrates how traffic citations and at-fault claims can raise Honda Pilot insurance costs for different categories of driver ages. Data assumes a single male driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

Lower-cost Honda Pilot insurance in Columbia

Auto insurance is not inexpensive, but discounts can save money and there are some available that could help you make your next renewal payment. Some discounts apply automatically when you get a quote, but some discounts are required to be asked about prior to receiving the credit.Cheaper auto insurance with discounts

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire policy premium. Most only reduce individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, you're out of luck.

Companies who might offer many of the previously listed discounts are:

Check with each insurance company what discounts are available to you. Some of the discounts discussed earlier might not be offered on policies in your state.

Buying from insurance agents

Some people still prefer to sit down with an agent and that can be a smart move An additional benefit of getting online price quotes is you can get cheap car insurance rates and still choose a local agent.

Insurance agency in ColumbiaTo find an agent, once you fill out this form (opens in new window), your information is transmitted to participating agents in Columbia that give free quotes for your coverage. It's much easier because you don't need to even leave your home since rate quotes are delivered to you instantly. You can get cheaper car insurance rates without requiring a lot of work. In the event you want to get a comparison quote from a specific car insurance provider, you just need to navigate to their website and give them your coverage information.

Selecting an insurance company shouldn't rely on just a cheap price. Ask your prospective agent these questions:

How to choose the best auto insurance agent in Columbia

If you prefer to buy car insurance from a reputable insurance agent or broker, it can be helpful to understand the types of insurance agents from which to choose. Agencies in Columbia are considered either independent agents or exclusive agents depending on their employer.

Exclusive Car Insurance Agents

These type of agents have only one company to place business with and examples are AAA, State Farm, Farmers Insurance, and Allstate. They usually cannot compare rates from other companies so you might not find the best rates. Exclusive agents receive a lot of sales training on their company's products which aids in selling service over price. Consumers sometimes buy insurance from these agents mostly because of the brand name rather than having low rates.

Shown below is a list of exclusive agencies in Columbia who can help you get comparison quotes.

More Columbia agents

Independent Agents (or Brokers)

Independent agencies can quote rates with many companies so they can quote policies through many different car insurance companies and find the cheapest car insurance rates. If premiums increase, your policy is moved internally and you can keep the same agent. If you need cheaper car insurance rates, it's recommended you compare quotes from several independent agencies to get the best comparison. They often place coverage with less well-known companies that may have much lower rates than larger companies.

Listed below are independent insurance agents in Columbia that are able to give price quote information.

More Columbia agents

How to Lower Your Insurance Costs

Consumers need to have an understanding of some of the things that help calculate insurance rates. If you have some idea of what positively or negatively impacts your premiums, this allows you to make good choices that can help you get better insurance rates.

Youthful drivers pay high costs - Older, more experienced drivers are more cautious drivers, tend to cause fewer accidents, and are generally more financially stable.Beginning drivers have been known to be easily distracted when behind the wheel so they pay higher insurance rates.

An insurance policy lapse is a bad thing - Driving without insurance coverage in place can get you a ticket and companies may charge more for letting your insurance expire. Not only will you pay more, not being able to provide proof of insurance could earn you fines and jail time.

Your job is a factor - Occupational choices like judges, business owners and dentists generally pay higher rates than average attributed to intense work requirements and extremely grueling work hours. On the flip side, occupations such as actors, students and the unemployed have the lowest average rates.

Only buy coverage you need - There are a lot of optional add-on coverages that may not really be needed on your Pilot policy. Insurance for things like replacement cost coverage, death and dismemberment, and extra equipment coverage may not be needed and are just wasting money. They may sound like good ideas initially, but if you have no use for them eliminate them to save money.

Too many insurance claims and you'll pay more - If you're an insured who likes to file claims you shouldn't be surprised to get either higher rates or even cancellation. Auto insurance companies in South Carolina provide better rates to people that do not abuse their auto insurance. Your insurance policy is meant to be used in the event of the large, substantial claims.

Liability insurance limits should be high - The liability coverage on your policy is the protection in the event that you are determined to be liable for damages caused by your negligence. Your liability coverage provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable compared to comp and collision, so do not skimp.

Honda Pilot claim data - Insurers factor in historical loss data to calculate a price that will offset losses. Models that the data determines to have high amounts or severity of claims will have increased rates. The table below illustrates the loss history for Honda Pilot vehicles.

For each coverage category, the claim amount for all vehicles combined as an average is a value of 100. Numbers under 100 represent a good loss history, while numbers above 100 indicate more frequent losses or larger claims.

Honda Pilot Insurance Claim Statistics

Make and 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

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Why do I need car insurance?

Despite the potentially high cost of Honda Pilot insurance, paying for auto insurance is required in South Carolina but also provides important benefits.

The benefits of carrying adequate insurance are definitely more than the cost, especially when you need to use it. But the average American driver is overpaying more than $820 a year so it's very important to do a rate comparison each time the policy renews to help ensure money is not being wasted.

Cheap rates are available

Insureds switch companies for many reasons like delays in paying claims, denial of a claim, policy non-renewal or even delays in responding to claim requests. Regardless of your reason, finding the right insurance provider is actually quite simple.

Budget-conscious Honda Pilot insurance can be purchased both online and from local agencies, so get free Columbia auto insurance quotes from both of them in order to have the best price selection to choose from. Some companies do not provide online price quotes and most of the time these smaller companies only sell through independent insurance agencies.

As you prepare to switch companies, it's very important that you do not skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced collision coverage only to discover later that it was a big mistake. The proper strategy is to get the best coverage possible for the lowest cost, but do not sacrifice coverage to save money.

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