Insurance rates Honda Pilot in Fort CollinsFinding better insurance prices for a Honda Pilot in Colorado can turn out to be an all-consuming task, but you can learn our car insurance buying tips to make it easier.

There are both good and bad ways to find car insurance online and we'll show you the absolute fastest way to get price quotes for your Honda and get the cheapest rates either online or from Fort Collins insurance agents.

It's hard to believe, but most drivers in Colorado have bought car insurance from the same company for four years or more, and 38% of drivers have never taken the time to shop around. Consumers in America could save themselves roughly $860 a year by just shopping around, but they don't invest the time required to compare rates and save money.

It's smart to price shop coverage before your policy renews since insurance prices go up and down regularly. Just because you had the best rate on Honda Pilot insurance in Fort Collins last year there may be better deals available now. Forget anything you know (or think you know) about car insurance because it's time to teach you the fastest and easiest way to save money, get proper coverage and the best rates.

If you have a policy now or are looking for a new policy, you will benefit by learning to reduce the price you pay without reducing protection. Locating cheaper coverage in Fort Collins is not as time-consuming as you think. Drivers just need to understand the quickest method to compare rate quotes instantly.

Companies offering competitive Honda Pilot price quotes in Fort Collins, CO

The companies shown below are our best choices to provide free quotes in Fort Collins, CO. If several companies are displayed, it's highly recommended you click on several of them to get the lowest price.

Honda Pilot Insurance Price Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $144 $232 $368 $22 $110 $876 $73
Pilot EX 2WD $276 $372 $474 $28 $142 $1,292 $108
Pilot EX 4WD $278 $346 $362 $22 $108 $1,116 $93
Pilot EX-L 2WD $264 $448 $368 $22 $110 $1,212 $101
Pilot EX-L 4WD $294 $536 $396 $24 $118 $1,368 $114
Pilot Touring 2WD $262 $454 $330 $20 $98 $1,164 $97
Pilot Touring 4WD $190 $288 $352 $20 $106 $956 $80
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rate quotes do not factor in Fort Collins location which can change price quotes significantly.

Rate comparison for different deductibles

When comparing auto insurance rates, the most common question is how high should the deductibles for physical damage be. The following tables may help to conceptualize the costs and benefits of buying low and high physical damage deductibles. The first data table uses a $250 physical damage deductible and the second price grid uses a $1,000 deductible.

Honda Pilot insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $272 $376 $352 $20 $106 $1,151 $96
Pilot EX 2WD $306 $376 $352 $20 $106 $1,185 $99
Pilot EX 4WD $306 $376 $352 $20 $106 $1,185 $99
Pilot EX-L 2WD $306 $458 $352 $20 $106 $1,267 $106
Pilot EX-L 4WD $306 $458 $352 $20 $106 $1,267 $106
Pilot Touring 2WD $306 $458 $352 $20 $106 $1,267 $106
Pilot Touring 4WD $306 $458 $352 $20 $106 $1,267 $106
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 $168 $236 $352 $20 $106 $882 $74
Pilot EX 2WD $190 $236 $352 $20 $106 $904 $75
Pilot EX 4WD $190 $236 $352 $20 $106 $904 $75
Pilot EX-L 2WD $190 $288 $352 $20 $106 $956 $80
Pilot EX-L 4WD $190 $288 $352 $20 $106 $956 $80
Pilot Touring 2WD $190 $288 $352 $20 $106 $956 $80
Pilot Touring 4WD $190 $288 $352 $20 $106 $956 $80
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rates do not factor in specific garaging location which can alter premium rates considerably.

Using the premium rates above, we can conclude that using a $250 deductible costs approximately $25 more each month or $300 a year than selecting the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 30 months between claim filings, you would most likely save money if you opt for a higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $250 deductibles: $103
Average monthly premium for $1,000 deductibles (subtract): - $78
Monthly savings from raising deductible: $25
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

One important issue to know is that a higher deductible level results in more money out-of-pocket when you have a comprehensive or collision claim. That will force you to have a higher level of savings in order to pay the higher deductible.

Save a ton on Honda Pilot insurance in Fort Collins with these discounts

Insurance is not an enjoyable expense, but there are discounts available to help bring down the price. Most are applied when you complete an application, but a few need to be specially asked for before being credited.

Keep in mind that many deductions do not apply to the entire policy premium. Most cut the cost of specific coverages such as collision or personal injury protection. So when it seems like it's possible to get free car insurance, it just doesn't work that way.

Larger insurance companies and a summarized list of policyholder discounts can be found below.

Before purchasing a policy, check with each company or agent which credits you are entitled to. Savings might not be available to policyholders in your state. To locate providers that offer many of these discounts in Colorado, click this link.

What is the best insurance coverage?

When it comes to the best insurance coverage, there really isn't a best way to insure your cars. Your needs are unique to you and a cookie cutter policy won't apply. For example, these questions can help discover if you may require specific advice.

If you don't know the answers to these questions then you might want to talk to an insurance agent. If you don't have a local agent, take a second and complete this form or go to this page to view a list of companies. It's fast, free and can provide invaluable advice.

When to have guidance from a local insurance agent

Some consumers just want to have an agent's advice and that is just fine! Licensed agents are very good at helping people manage risk and help in the event of a claim. One of the best bonuses of getting online price quotes is that you can obtain cheap rate quotes but also keep your business local. Putting coverage with local agencies is definitely important in Fort Collins.

Insurance agency in Fort CollinsAfter completing this form (opens in new window), your coverage information gets sent to agents in your area that can give you free Fort Collins car insurance quotes to get your business. You never need to do any legwork as quotes are delivered immediately to your email address. If you want to compare rates from a specific company, you can always find their quoting web page and submit a quote form there.

Below are agents in Fort Collins willing to provide price quote information for Honda Pilot insurance in Fort Collins.

More insurance agents

Finding a good company needs to be determined by more than just a low price. Any agent in Fort Collins should have no problem answering these questions:

One last thing to lower rates

When buying insurance coverage, it's not a good idea to buy lower coverage limits just to save a few bucks. In many cases, someone dropped collision coverage to discover at claim time that they should have had better coverage. The goal is to purchase a proper amount of coverage at the best price but still have enough coverage for asset protection.

Low-cost Honda Pilot insurance in Fort Collins can be sourced from both online companies and also from your neighborhood Fort Collins agents, and you should compare rates from both to get a complete price analysis. Some insurance companies do not offer the ability to get a quote online and usually these regional carriers only sell through independent agents.

Even more information can be found at these sites: