Best Honda Pilot Insurance in Oakland

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If your goal is the lowest price, then the best way to find low-cost Honda Pilot insurance in Oakland is to compare prices annually from providers who sell insurance in California.

  • First, try to learn about policy coverages and the measures you can take to keep rates low. Many policy risk factors that are responsible for high rates such as at-fault accidents, speeding tickets, and poor credit rating can be amended by paying attention to minor details.
  • Second, quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like Progressive or Farmers Insurance, while independent agencies can quote rates from multiple sources. Compare rates
  • Third, compare the new rates to your existing coverage and determine if there is any savings. If you find a lower rate quote and buy the policy, make sure coverage is continuous and does not lapse.
  • Fourth, provide notification to your current company to cancel your current auto insurance policy. Submit the completed application along with a down payment for your new policy. Don't forget to put the proof of insurance certificate in a readily accessible location in your vehicle.

One tip to remember is to use identical deductibles and limits on every quote request and and to get rates from as many companies as feasibly possible. Doing this enables a fair price comparison and a complete rate analysis.

Insurance for Honda PilotA recent insurance study revealed that a large majority of drivers have remained with the same insurance company for four years or more, and just short of a majority have never compared rates to find affordable insurance. Consumers in California could pocket about $500 a year, but they feel it's too difficult to find affordable rates by getting comparison quotes.

If you have a policy now, you will most likely be able to find the best rates using the concepts covered in this article. Choosing the most cost-effective insurance policy in Oakland is really quite easy. Although California consumers must understand the methods companies use to market insurance on the web because it varies considerably.

Keep in mind that getting more free quotes helps locate a lower rate. Some insurance companies are not set up to provide Oakland Pilot insurance quotes over the internet, so you should also compare price quotes from the smaller companies as well.

The companies shown below can provide price comparisons in Oakland, CA. If multiple companies are listed, we recommend you compare several of them to get the best price comparison.

Coverage analysis

The premium information below covers a range of policy rates for Honda Pilot models. Having a good grasp of how insurance prices are established can help drivers make smart choices when choosing a car insurance company.

Honda Pilot Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $294 $488 $500 $30 $150 $1,462 $122
Pilot EX 2WD $332 $488 $500 $30 $150 $1,500 $125
Pilot EX 4WD $332 $488 $500 $30 $150 $1,500 $125
Pilot EX-L 2WD $332 $592 $500 $30 $150 $1,604 $134
Pilot EX-L 4WD $332 $592 $500 $30 $150 $1,604 $134
Pilot Touring 2WD $332 $592 $500 $30 $150 $1,604 $134
Pilot Touring 4WD $332 $592 $500 $30 $150 $1,604 $134
Get Your Own Custom Quote Go

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Estimates do not factor in specific location which can change auto insurance rates considerably.

Comparison of policy deductibles

One of the more difficult decisions when buying auto insurance is how low should you set your deductibles. The rates shown below show the difference in cost when you choose different policy deductibles. The first table uses a $100 deductible for physical damage and the second data table uses a $500 deductible.

Honda Pilot insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $380 $564 $442 $26 $132 $1,569 $131
Pilot EX 2WD $430 $564 $442 $26 $132 $1,619 $135
Pilot EX 4WD $430 $564 $442 $26 $132 $1,619 $135
Pilot EX-L 2WD $430 $686 $442 $26 $132 $1,741 $145
Pilot EX-L 4WD $430 $686 $442 $26 $132 $1,741 $145
Pilot Touring 2WD $430 $686 $442 $26 $132 $1,741 $145
Pilot Touring 4WD $430 $686 $442 $26 $132 $1,741 $145
Get Your Own Custom Quote Go
Honda Pilot insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $278 $382 $442 $26 $132 $1,260 $105
Pilot EX 2WD $314 $382 $442 $26 $132 $1,296 $108
Pilot EX 4WD $314 $382 $442 $26 $132 $1,296 $108
Pilot EX-L 2WD $314 $464 $442 $26 $132 $1,378 $115
Pilot EX-L 4WD $314 $464 $442 $26 $132 $1,378 $115
Pilot Touring 2WD $314 $464 $442 $26 $132 $1,378 $115
Pilot Touring 4WD $314 $464 $442 $26 $132 $1,378 $115
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in vehicle location which can impact prices significantly.

Using the data above, we can ascertain that using a $100 deductible will cost you approximately $28 more each month or $336 each year than opting for the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 14 months between claims, you would probably save some money going with the higher deductible.

The example below demonstrates how deductibles and can affect Honda Pilot insurance rates for each age group. The information is based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.

Driving violations and accidents

The diagram below shows how traffic citations and accident claims raise Honda Pilot annual premium costs for each different age group. The premiums assume a married male driver, full coverage, $500 deductibles, and no other discounts are factored in.

Cost of full coverage in Oakland

The illustration below illustrates the comparison of Honda Pilot premium costs when comparing full coverage to state minimum liability only. The rate quotes are based on a clean driving record, no at-fault accidents, $500 deductibles, single marital status, and no policy discounts are applied.

Should you be buying full coverage?

There isn't a steadfast formula to eliminate physical damage insurance, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.

For example, let's assume your Honda Pilot settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $7,000 after the policy deductible has been paid. If it's costing in excess of $700 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some situations where only buying liability is not in your best interest. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Get Lower-cost Insurance Premiums by Understanding These Factors

Lots of factors are part of the equation when you get your auto insurance bill. Most are fairly basic like your driving record, although some other factors are not quite as obvious like your continuous coverage or your financial responsibility.

  • Women tend to take less risk - Over the last 30 years, statistics show that men are more aggressive behind the wheel. However, this does not mean males are worse at driving than females. Men and women are responsible for at-fault accidents at about the same rate, but men tend to have more serious accidents. Men also statistically receive more major tickets like DUI and reckless driving.

    The diagram below illustrates the difference between Honda Pilot yearly insurance costs for male and female drivers. The rates are based on a clean driving record, no claims, full physical damage coverage, $500 deductibles, single marital status, and no policy discounts are applied.

  • More policies can equal more savings - The majority of insurance companies provide better rates to clients that buy multiple policies such as combining an auto and homeowners policy. Even if you qualify for this discount already, you still need to shop around to help guarantee you have the best rates.There is a chance you can save more without the discount by splitting coverages up.
  • Consider raising deductibles - Physical damage protection, also called 'full coverage', protects your Honda from damage. Examples of covered claims could be a broken side mirror, damage from fire, and burglary. The deductibles are the amount of money you are required to spend out-of-pocket in the event of a claim. The more you pay before a claim is paid (deductible), the less money you will pay for auto insurance.
  • Policy add-ons could be costing you - There are a lot of add-on coverages that you can get tricked into buying when buying auto insurance. Coverages for roadside assistance, towing, and membership fees could be just wasting money. They may sound like good ideas initially, but if you don't need them consider taking them off your policy.
  • Claim-free discounts can add up - Insurance companies in California award the best rates to policyholders who do not file claims often. If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Insurance coverage is designed for larger claims.
  • Your address can affect premiums - Having an address in a rural area is a good thing when talking about auto insurance. Less people translates into fewer accidents in addition to lower liability claims. Residents of big cities have traffic congestion and more severe claims. More time on the road statistically corresponds to a higher accident and claim rate.
  • Getting married can lower costs - Walking down the aisle may save some money compared to being single. It usually means you are more stable financially and insurance companies reward insureds because married drivers get in fewer accidents.
  • Honda Pilot claim data - Car insurance companies use statistical claims data to calculate a price that will offset any claims. Vehicles that have higher frequency or amount of claims will have higher rates. The table shown below demonstrates the loss history for Honda Pilot vehicles.

    For each policy coverage, the loss probability for all vehicles, as a total average, is set at 100. Values that are 100 or less suggest a better than average loss history, while numbers that are greater than 100 indicate more frequent losses or a tendency for claims to be larger.

    Honda Pilot Insurance Claim Statistics
    Specific Honda 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto insurance is not optional but you don't have to overpay

Despite the high cost, insuring your vehicle is a good idea for several reasons.

First, the majority of states have minimum mandated liability insurance limits which means you are required to carry specific limits of liability coverage in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a lien on your vehicle, it's most likely the lender will force you to buy insurance to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank will be required to insure your Honda at a more expensive rate and require you to reimburse them for it.

Third, auto insurance protects both your vehicle and your personal assets. It will also provide coverage for medical bills incurred in an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.

The benefits of buying auto insurance are without a doubt worth the cost, especially if you ever need it. The average driver in California overpays more than $825 a year so it's important to compare rates at every renewal to ensure rates are competitive.