Cheapest Honda Pilot Insurance in Chicago

Insurance quote for Honda Pilot in ChicagoAre you tired of being strong-armed to pay your auto insurance bill each month? You’re in the same situation as many other Illinois drivers.

Unbelievable but true, most auto insurance policyholders have remained with the same auto insurance company for at least four years, and nearly the majority have never even compared quotes to find affordable rates. Chicago drivers could save almost $600 each year just by comparing rates, but they don’t invest the time required to find affordable insurance by shopping around.

Many car insurance companies vie for your insurance dollar, so it can be very hard to choose a insurance company to find the best rates possible on Honda Pilot insurance in Chicago.

If you have coverage now, you should be able to cut your premiums using the techniques covered below. Buying the cheapest car insurance in Chicago is actually quite easy if you know where to start. Nevertheless, Illinois drivers do need to understand how big insurance companies calculate their prices and use it to your advantage.

All major car insurance companies allow you to get price estimates online. Obtaining pricing for Honda Pilot insurance in Chicago is fairly straightforward as you simply enter your required coverages as detailed in the form. After you submit the form their system obtains your credit score and driving record and returns pricing information. Being able to quote online for Honda Pilot insurance in Chicago simplifies rate comparisons, and it’s very important to have as many quotes as possible in order to find the most affordable car insurance rates.

In order to find out how much you can save on car insurance, compare quotes from the companies shown below. If you currently have coverage, we recommend you duplicate the limits and deductibles exactly as they are listed on your policy. This way, you will be getting a fair comparison based on the exact same insurance coverage.

The car insurance companies shown below are ready to provide quotes in Chicago, IL. If multiple companies are shown, it’s a good idea that you visit several of them to get a more complete price comparison.

Honda Pilot Insurance Rates in Chicago, IL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $138 $216 $352 $20 $106 $832 $69
Pilot EX 2WD $160 $176 $342 $20 $102 $800 $67
Pilot EX 4WD $220 $274 $266 $16 $80 $856 $71
Pilot EX-L 2WD $120 $210 $274 $16 $82 $702 $59
Pilot EX-L 4WD $220 $334 $266 $16 $80 $916 $76
Pilot Touring 2WD $252 $418 $352 $20 $106 $1,148 $96
Pilot Touring 4WD $252 $418 $352 $20 $106 $1,148 $96
Get Your Own Custom Quote Go

Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Illinois minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in vehicle location which can lower or raise coverage prices significantly.

Rate comparison for different deductibles

When comparing auto insurance rates, the most common question is where should you set your physical damage deductibles. The premium rates below can help illustrate the rate differences when you buy lower versus higher physical damage deductibles. The first rate table uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.

Honda Pilot insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $224 $334 $262 $16 $78 $939 $78
Pilot EX 2WD $254 $334 $262 $16 $78 $969 $81
Pilot EX 4WD $254 $334 $262 $16 $78 $969 $81
Pilot EX-L 2WD $254 $406 $262 $16 $78 $1,041 $87
Pilot EX-L 4WD $254 $406 $262 $16 $78 $1,041 $87
Pilot Touring 2WD $254 $406 $262 $16 $78 $1,041 $87
Pilot Touring 4WD $254 $406 $262 $16 $78 $1,041 $87
Get Your Own Custom Quote Go

Honda Pilot insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $164 $226 $262 $16 $78 $746 $62
Pilot EX 2WD $186 $226 $262 $16 $78 $768 $64
Pilot EX 4WD $186 $226 $262 $16 $78 $768 $64
Pilot EX-L 2WD $186 $274 $262 $16 $78 $816 $68
Pilot EX-L 4WD $186 $274 $262 $16 $78 $816 $68
Pilot Touring 2WD $186 $274 $262 $16 $78 $816 $68
Pilot Touring 4WD $186 $274 $262 $16 $78 $816 $68
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Illinois minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in vehicle location which can influence premiums significantly.

Based on these figures, using a $100 deductible would cost the average driver about $18 more each month or $216 annually than opting for the higher $500 deductible. Due to the fact that you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 22 months between claims, you would probably be better off by selecting a higher deductible.

How to calculate deductible break even period

Average monthly premium for $100 deductibles: $84
Average monthly premium for $500 deductibles (subtract): – $66
Monthly savings from raising deductible: $18
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 22 months

Violations and accidents raise rates

The information below highlights how traffic violations and accidents influence Honda Pilot insurance prices for each different age category. The premiums assume a married female driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.

Yearly auto insurance costs for men versus women

The information below shows the comparison of Honda Pilot premium costs for male and female drivers. The premiums assume no accidents, no driving violations, comp and collision included, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.

Don’t overlook these Honda Pilot insurance discounts

Some companies don’t always advertise all possible discounts in a way that’s easy to find, so the list below gives a summary of a few of the more well known and the more hidden credits that may apply to you. If you do not double check each discount you deserve, you could be getting lower rates.Auto insurance discounts

A quick disclaimer, some credits don’t apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, that’s just not realistic.

If you would like to view insurance companies that offer many of these discounts in Chicago, click this link.

Exclusive versus independent car insurance agents

Some consumers would rather sit down and talk to an agent and that is recommended in a lot of cases One of the benefits of comparing rates online is the fact that drivers can get better rates but still work with a licensed agent. Supporting small agencies is especially important in Chicago.

Chicago insurance agentsTo make it easy to find an agent, after completing this short form, your insurance coverage information is transmitted to companies in Chicago who will give you bids for your insurance coverage. You don’t have to drive around because quoted prices will be sent instantly to you. You can find better rates without a big time investment. If you have a need to get a rate quote from a particular provider, you can always jump over to their website and complete a quote there.

If you are searching for local Chicago agents, it’s important to understand the different types of agencies and how they operate. Agents are either exclusive or independent (non-exclusive).

Independent Insurance Agents

These type of agents are appointed with more than one company so they can insure your vehicles amongst many companies and get you the best rates possible. To move your coverage to a new company, the business is moved internally which is easy for the insured. If you are comparing rate quotes, you need to compare prices from a few independent agents to maximize your price options.

Featured below is a short list of independent insurance agents in Chicago that can possibly get you cheap rate quotes.

3201 N Harlem Ave #1Chicago, IL 60634(773) 286-3500View Map

W.A. George Insurance Agency
155 N Michigan Ave #300Chicago, IL 60601(312) 729-5265View Map

4900 W Belmont AveChicago, IL 60641(773) 205-8255View Map

More Chicago agents

Exclusive Insurance Agencies

Agents that elect to be exclusive can only quote rates from one company such as American Family, State Farm, and Allstate. They usually cannot provide rate quotes from other companies so they have to upsell other benefits. Exclusive agents are well schooled on their company’s products which helps offset the inability to provide other markets.

The following are Chicago exclusive agencies who can help you get price quote information.

2422 S Oakley AveChicago, IL 60608(773) 376-1166View Map

1345 W Taylor StChicago, IL 60607(312) 455-0675View Map

1525 E 53rd St #727Chicago, IL 60615(773) 955-3133View Map

More Chicago agents

Choosing an auto insurance agent shouldn’t rely on just a cheap quote. Here are some questions you might want to ask.

You are unique and your insurance should be too

When buying coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.Insurance savings

For example, these questions can help discover whether you might need an agent’s assistance.

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Chicago Insurance Prices are Influenced by These Factors

Smart consumers have a good feel for some of the elements that are used to determine the level of your policy premiums. When consumers understand what controls the rates you pay, this allows you to make educated decisions that will entitle you to lower rates.

Three reasons insurance is important

Even though it can be expensive, maintaining insurance may not be optional for several reasons.

First, most states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance coverage in order to license the vehicle. In Illinois these limits are 20/40/15 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.

Second, if you took out a loan on your Honda Pilot, it’s guaranteed your bank will make it mandatory that you buy full coverage to protect their interest in the vehicle. If the policy lapses, the bank may insure your Honda for a lot more money and require you to fork over the higher price.

Third, insurance protects both your car and your personal assets. Insurance will also pay for medical bills for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, will also pay attorney fees if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, your insurance policy will pay to restore your vehicle to like-new condition.

The benefits of carrying enough insurance are definitely more than the cost, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $855 a year so it’s recommended you shop around each time the policy renews to be sure current rates are still competitive.

Don’t give up on cheap premiums

As you shop your coverage around, don’t be tempted to reduce needed coverages to save money. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy the best coverage you can find at the best cost, but do not sacrifice coverage to save money.

We covered many ideas to lower your Honda Pilot insurance auto insurance rates in Chicago. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the best price on car insurance is with a company that doesn’t do a lot of advertising.

People who switch companies do it for many reasons like delays in paying claims, lack of trust in their agent, policy non-renewal or high rates after DUI convictions. No matter why you want to switch, finding a new car insurance company is pretty easy and you might even save some money in the process.

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