Insurance quote for Honda Pilot in Las VegasComparison shopping for cheap Honda Pilot insurance in Las Vegas might be a challenge for drivers who are beginners to online insurance quotes. With literally dozens of insurers available, it can easily become a difficult challenge to find better rates on Honda Pilot insurance.

A recent study showed that most consumers have bought auto insurance from the same company for at least the last four years, and about 40% of consumers have never compared rates with other companies. Las Vegas drivers could cut their rates by $500 a year by just comparing quotes, but most just don't grasp the benefits if they changed companies.

Consumers should take time to compare premium rates every six months because insurance rates go up and down regularly. Just because you had the best rate on Honda Pilot insurance in Las Vegas a couple years back you can probably find a better price now. There is a lot of wrong information about Pilot insurance online but in a few minutes you can learn some great ideas on how to reduce your auto insurance bill.

Car insurance discounts help lower rates for Honda Pilot insurance in Las Vegas

The price of auto insurance can be rather high, but there are discounts available that could drop your premiums quite a bit. Some of these discounts will be visible at the time you complete a quote, but a few must be asked for before being credited.

You can save money using discounts, but most credits do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as comprehensive or collision. Even though it appears all those discounts means the company will pay you, you won't be that lucky.

Insurance companies that may have many of the previously listed discounts include:

It's a good idea to ask every prospective company to give you their best rates. Some credits may not be available in Las Vegas. To see insurance companies who offer car insurance discounts in Las Vegas, click this link.

Finding Honda Pilot insurance in Las Vegas, Nevada

It's important to know that having more price comparisons will enable you to find the best offered rates.

The providers in the list below offer free quotes in Nevada. If multiple companies are listed, we recommend you visit as many as you can to get the lowest price.

Honda Pilot Insurance Price Estimates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $204 $326 $290 $18 $86 $924 $77
Pilot EX 2WD $188 $260 $348 $20 $104 $920 $77
Pilot EX 4WD $142 $204 $324 $20 $96 $786 $66
Pilot EX-L 2WD $260 $394 $314 $18 $94 $1,080 $90
Pilot EX-L 4WD $188 $318 $324 $20 $96 $946 $79
Pilot Touring 2WD $188 $334 $348 $20 $104 $994 $83
Pilot Touring 4WD $210 $342 $296 $18 $88 $954 $80
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Rate quotes do not factor in garaging location in Las Vegas which can increase or decrease auto insurance rates noticeably.

How violations and accidents impact rates

The example below shows how traffic citations and at-fault fender-benders increase Honda Pilot insurance rates for each age group. The data is based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

Physical damage deductible comparison

One of the more difficult decisions when buying auto insurance is where should you set your physical damage deductibles. The tables below may help to conceptualize how much more you'll pay when you choose different physical damage deductibles. The first set of rates uses a $100 deductible and the second price table 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 $266 $394 $308 $18 $92 $1,103 $92
Pilot EX 2WD $300 $394 $308 $18 $92 $1,137 $95
Pilot EX 4WD $300 $394 $308 $18 $92 $1,137 $95
Pilot EX-L 2WD $300 $478 $308 $18 $92 $1,221 $102
Pilot EX-L 4WD $300 $478 $308 $18 $92 $1,221 $102
Pilot Touring 2WD $300 $478 $308 $18 $92 $1,221 $102
Pilot Touring 4WD $300 $478 $308 $18 $92 $1,221 $102
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 $194 $266 $308 $18 $92 $878 $73
Pilot EX 2WD $218 $266 $308 $18 $92 $902 $75
Pilot EX 4WD $218 $266 $308 $18 $92 $902 $75
Pilot EX-L 2WD $218 $324 $308 $18 $92 $960 $80
Pilot EX-L 4WD $218 $324 $308 $18 $92 $960 $80
Pilot Touring 2WD $218 $324 $308 $18 $92 $960 $80
Pilot Touring 4WD $218 $324 $308 $18 $92 $960 $80
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price information does not factor in vehicle location which can revise premiums substantially.

Using the data above, we can ascertain that using a $100 deductible will cost you approximately $21 more each month or $252 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 tend to go at a minimum 19 months between claim filings, you would probably be better off if you opt for a higher deductible.

Gender differences in auto insurance premiums

The chart below illustrates the difference between Honda Pilot insurance costs for male and female drivers. The prices are based on no claims or driving violations, full coverage, $1,000 deductibles, drivers are not married, and no discounts are applied.

Eight factors that impact insurance rates

Lots of factors are considered when you get your auto insurance bill. Some are obvious like an MVR report, but some are more obscure such as whether you are married or your financial responsibility.

Situations that may require an agent's advice

Always remember that when buying coverage online or from an agent for your personal vehicles, there really isn't a "perfect" insurance plan. Your financial needs are unique so your insurance needs to address that. These are some specific questions may help you determine if your insurance needs could use an agent's help.

If you don't know the answers to these questions, you may need to chat with an insurance agent. If you don't have a local agent, complete this form or go to this page to view a list of companies.

Insurance agent or online?

Many people would rather have an agent's advice and that is just fine! The biggest benefit of getting free rate quotes online is the fact that drivers can get cheap auto insurance quotes but still work with a licensed agent.

Las Vegas insurance agentsTo find an agent, once you fill out this form (opens in new window), your coverage information is transmitted to agents in your area who will give competitive quotes for your coverage. You never need to search for an agent since rate quotes are delivered immediately to you. You can find the lowest rates and work with a local agent. If you need to get a comparison quote from a specific company, you can always go to their quote page to submit a rate quote request.

Picking the best insurer requires you to look at more than just a low price. The answers to these questions are important, too.

Listed below are Las Vegas auto insurance companies willing to provide price quotes for Honda Pilot insurance in Las Vegas.

More Las Vegas agents

Three reasons to insure your vehicle

Despite the fact that car insurance is not cheap in Las Vegas, insuring your vehicle may not be optional for several reasons.

The benefits of insuring your car greatly outweigh the cost, especially when you need to use it. According to a 2015 survey, the average American driver is currently overpaying as much as $850 per year so compare quotes from several companies every year to be sure current rates are still competitive.

Be persistent to save money

Affordable Honda Pilot insurance in Las Vegas can be sourced both online and also from your neighborhood Las Vegas agents, so you should compare both in order to have the best chance of saving money. A few companies do not provide the ability to get quotes online and usually these regional carriers provide coverage only through independent agents.

In this article, we covered quite a bit of information on how to get a better price on Honda Pilot insurance in Las Vegas. The key concept to understand is the more times you quote, the better your chances of lowering your prices. Drivers may even discover the lowest premium rates come from a small local company. Smaller companies can often insure niche markets at a lower cost compared to the large companies like Progressive and GEICO.

As you quote Las Vegas auto insurance, it's a bad idea to reduce needed coverages to save money. In many cases, an accident victim reduced collision coverage only to discover later that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage at the best price, but do not sacrifice coverage to save money.

More resources