Compare Honda Pilot Insurance Quotes in Tucson

The easiest way to find low-cost car insurance rates in Tucson is to start comparing prices regularly from providers that sell auto insurance in Arizona. Rates can be compared by following these steps.

First, spend some time learning about what is in your policy and the things you can control to prevent expensive coverage. Many risk factors that result in higher prices such as inattentive driving and an unacceptable credit score can be eliminated by making minor changes in your lifestyle. Later in this article we will cover additional ideas to get cheaper coverage and get discounts that may be available to you.

Second, compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO or Farmers Insurance, while agents who are independent can give you price quotes for many different companies.

Third, compare the new rates to your current policy premium to see if cheaper Pilot coverage is available in Tucson. If you find a lower rate quote and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.

One tip to remember is to use the same coverage limits and deductibles on every quote request and and to get quotes from as many different companies as possible. This ensures a fair rate comparison and maximum price selection.

Insurance rates Honda Pilot in TucsonA study showed that the vast majority of drivers have been with the same company for over three years, and almost 40% of drivers have never compared rates with other companies. Tucson insurance shoppers can save hundreds of dollars each year, but most tend to underestimate the actual amount they would save if they switched to a more affordable policy.

Companies offering Honda Pilot insurance in Arizona

The providers in the list below provide free quotes in Tucson, AZ. If you want cheap auto insurance in Tucson, AZ, we recommend you compare several of them in order to get a fair rate comparison.

Honda Pilot coverage analysis

The price information displayed below showcases estimates of coverage costs for Honda Pilot models. Learning more about how auto insurance policy rates are formulated is important to be able to make smart choices when purchasing an auto insurance policy.

Honda Pilot Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $124 $198 $338 $20 $102 $782 $65
Pilot EX 2WD $138 $198 $338 $20 $102 $796 $66
Pilot EX 4WD $138 $198 $338 $20 $102 $796 $66
Pilot EX-L 2WD $138 $240 $338 $20 $102 $838 $70
Pilot EX-L 4WD $138 $240 $338 $20 $102 $838 $70
Pilot Touring 2WD $138 $240 $338 $20 $102 $838 $70
Pilot Touring 4WD $138 $240 $338 $20 $102 $838 $70
Get Your Own Custom Quote Go

Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price information does not factor in specific Tucson garaging location which can revise coverage prices noticeably.

Analysis of deductible levels

When buying auto insurance, a common question is which deductibles should you choose. The comparison tables below may help to illustrate the differences in premium rates when you select higher and lower insurance deductibles. The first rate estimation uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.

Honda Pilot insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $258 $382 $300 $18 $90 $1,073 $89
Pilot EX 2WD $292 $382 $300 $18 $90 $1,107 $92
Pilot EX 4WD $292 $382 $300 $18 $90 $1,107 $92
Pilot EX-L 2WD $292 $466 $300 $18 $90 $1,191 $99
Pilot EX-L 4WD $292 $466 $300 $18 $90 $1,191 $99
Pilot Touring 2WD $292 $466 $300 $18 $90 $1,191 $99
Pilot Touring 4WD $292 $466 $300 $18 $90 $1,191 $99
Get Your Own Custom Quote Go

Honda Pilot insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $144 $202 $300 $18 $90 $754 $63
Pilot EX 2WD $162 $202 $300 $18 $90 $772 $64
Pilot EX 4WD $162 $202 $300 $18 $90 $772 $64
Pilot EX-L 2WD $162 $246 $300 $18 $90 $816 $68
Pilot EX-L 4WD $162 $246 $300 $18 $90 $816 $68
Pilot Touring 2WD $162 $246 $300 $18 $90 $816 $68
Pilot Touring 4WD $162 $246 $300 $18 $90 $816 $68
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Information does not factor in specific Tucson garaging location which can revise price quotes significantly.

Based on the above data, using a $100 deductible will cost you approximately $30 more each month or $360 for a full year than opting for the higher $1,000 deductible. Because you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 30 months between claim filings, you would probably save some money going with the higher deductible. Below is the way you can do this calculation yourself.

Average monthly premium for $100 deductibles: $96
Average monthly premium for $1,000 deductibles (subtract): – $66
Monthly savings from raising deductible: $30
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

Reckless driving habits raise auto insurance rates

The example below demonstrates how traffic citations and accidents increase Honda Pilot insurance prices for each age group. The premium estimates are based on a single female driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

Do you need full coverage?

The diagram below illustrates the comparison of Honda Pilot insurance costs with full physical damage coverage and with liability coverage only. The premium estimates are based on no tickets, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are applied to the premium.

Should you be buying full coverage?

There is no clear-cut formula of when to phase out physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s pretend your Honda Pilot book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $2,000 after the deductible is paid. If premium cost is more than $200 a year for full coverage, the it may be a good time to stop paying for full coverage.

There are some situations where only buying liability is not advised. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.

These discounts can lower Honda Pilot insurance rates

Auto insurance is not an enjoyable expense, but you might already qualify for some discounts that you may not even know about. Certain discounts will be triggered automatically when you complete an application, but some need to be requested specifically before you will receive the discount.Cheaper auto insurance with discounts

You should keep in mind that some of the credits will not apply to your bottom line cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky.

The diagram below shows the comparison of Honda Pilot insurance prices with and without discounts applied to the rates. The data is based on a female driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-car, homeowner, marriage, and multi-policy discounts applied.

Larger auto insurance companies and a summarized list of policyholder discounts include:

Before you buy a policy, ask every company which discounts they offer. Depending on the company, some discounts might not apply in your area. For a list of auto insurance companies that offer the discounts shown above in Tucson, click here to view.

What Determines Honda Pilot Insurance Premiums?

Many different elements are part of the calculation when you quote your car insurance policy. Most are fairly basic such as your driving history, but other factors are more transparent like your continuous coverage or your financial responsibility. A large part of saving on car insurance is knowing the rating factors that aid in calculating the level of your policy premiums. When you know what positively or negatively controls the rates you pay, this allows you to make educated decisions that will entitle you to lower premium levels.

Never let your car insurance policy expire – Allowing your car insurance policy to lapse is a sure-fire way to pay more for car insurance. Not only will you pay more, failure to provide proof of insurance could result in fines and jail time.

Better rates on safer vehicles – Vehicles with good safety scores tend to have lower insurance rates. Safer cars reduce the chance of injuries and fewer injuries means less money paid by your insurance company which can result in lower premiums.

Age of drivers impacts costs – Teenage drivers in Arizona are statistically proven to get distracted easily when driving with friends therefore car insurance rates are much higher. More experienced drivers are viewed as being more responsible, cost insurance companies less in claims, and get fewer tickets.

The following chart assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

Pleasure use saves money – The higher the mileage driven annually the more it will cost to insure it. Most companies calculate rates based upon how much you drive. Vehicles that are left in the garage cost less to insure than vehicles that have high annual mileage. Make sure your vehicle rating reflects the proper vehicle usage. An incorrectly rated Pilot can cost quite a bit.

High deductibles lower rates – The deductibles state the amount of money you are required to spend out-of-pocket if the claim is covered. Physical damage insurance, also called comprehensive and collision insurance, protects your car from damage. Some examples of claims that would be covered are colliding with a stationary object, fire damage, and damage from wind. The higher the amount the insured is willing to pay, the less your car insurance will be.

Honda Pilot claim probability – Insurance companies analyze the history of losses in order to profitably underwrite each model. Models that tend to have higher frequency or amount of claims will cost more for specific coverages. The table shown below demonstrates the insurance loss data for Honda Pilot vehicles.

For each policy coverage type, the claim amount for all vehicles, without regard to make or model, equals 100. Percentage values below 100 indicate a favorable loss history, while numbers above 100 indicate more frequent claims or tendency to have larger claims.

Honda Pilot Insurance Loss 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

Statistics from for 2013-2015 Model Years

Tailor your insurance coverage to you

When buying a policy, there really isn’t a “perfect” insurance plan. Your financial needs are unique.Drive safe and save

For instance, these questions can help discover whether your personal situation would benefit from an agent’s advice.

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Compare prices but buy from a local neighborhood Tucson car insurance agent

A small number of people prefer to visit with an insurance agent and we recommend doing that Experienced insurance agents will help you protect your assets and help submit paperwork. One of the best bonuses of price shopping on the web is you can get lower rates and still have a local agent.

After filling out this simple form, your insurance data is submitted to companies in Tucson who will give competitive quotes to get your business. You won’t need to find an agent since price quotes are sent to you. If you want to get a rate quote from a specific company, you just need to search and find their rate quote page and submit a quote form there.

Finding the right insurance company requires you to look at more than just a low price. These are some valid questions you should ask.

If you are searching for a local Tucson insurance agency, there are two types of agencies that you can select. Agents can be categorized as either independent (non-exclusive) or exclusive. Both sell insurance policies, but it’s important to point out the difference in how they write coverage because it can impact your selection of an agent.

Exclusive Insurance Agencies

Exclusive agents normally can only provide a single company’s rates such as Farmers Insurance, State Farm, Allstate, and AAA. These agents are unable to shop your coverage around so they have no alternatives for high prices. Exclusive agents are well trained on their products and sales techniques which helps offset the inability to provide other markets.

Below are exclusive agents in Tucson who may provide you with rate quotes.

Casey Santoro – State Farm Insurance Agent
4231 W Ina Rd Ste 121Tucson, AZ 85741(520) 744-2400View Map

8925 E Golf Links RdTucson, AZ 85730(520) 722-7488View Map

Gene Molina – State Farm Insurance Agent
2160 W Holladay StTucson, AZ 85746(520) 883-1500View Map

More Tucson agents

Independent Insurance Agents

Independent agents do not sell for just one brand so they can quote policies with a variety of different insurance companies depending on which coverage is best. To move your coverage to a new company, an independent agent can move your coverage which makes it simple for you.

When searching for an agent, we recommend you contact independent agents so that you have a good selection of quotes to compare.

Below are Tucson independent insurance agents willing to provide comparison quotes.

1809 S 6th AveTucson, AZ 85713(520) 884-8488View Map

6992 E Broadway BlvdTucson, AZ 85710(520) 571-1900View Map

2725 E Broadway BlvdTucson, AZ 85716(520) 795-7737View Map

More Tucson agents

Once you have received good answers and a low price estimate, most likely you have located a car insurance agent that meets the requirements to service your policy. But remember, it’s your policy and you can cancel your policy whenever you wish so never feel that you’re stuck with the insurance policy for a certain time period.

Cheaper car insurance is a realistic goal

People who switch companies do it for a variety of reasons including delays in responding to claim requests, an unsatisfactory settlement offer, questionable increases in premium and not issuing a premium refund. It doesn’t matter what your reason, choosing a new insurance company is not as hard as you think.

There are still a few companies who may not provide the ability to get quotes online and these smaller companies provide coverage only through local independent agents. Cheap Honda Pilot insurance in Tucson can be found on the web and from local agencies, so compare prices from both so you have a total pricing picture.

When buying insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice full coverage only to regret that it was a big error on their part. Your strategy should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Additional detailed information is available in the articles below: