Buying cheap car insurance for a Honda Pilot in Wisconsin doesn’t take a ton of time, but it is dependent upon a large number of factors such as the safety rating of your vehicle, the likelihood of vehicle theft, and citations or violations on your driving record. Drivers in Wisconsin pay around $721 per year to insure their Pilot, but that amount is a valuation calculated based on a 40-year-old married male driver with both comprehensive and collision coverage and $100 deductibles.
There is a good probability you are not 40 years old and maybe not even male, possibly single instead of married, or maybe you live in a different area as the quoted rates. Have just a small change in the rating criteria used to formulate rates can result in a big discrepancy in the cost of insurance.
Auto insurance is unique to each driver, so the way we recommend to find cheap car insurance rates for your Honda is to just take the time to compare rates yourself. In just a few minutes you can get rates from the best companies that insure vehicles in Wisconsin.
The specific trim level will influence price, so the rate you will pay to insure a Pilot LX 2WD will be $82 lower than the insurance cost for the more expensive Pilot Touring 4WD version, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$180||$270||$236||$14||$70||$770||$64|
|Pilot EX 2WD||$204||$270||$236||$14||$70||$794||$66|
|Pilot EX 4WD||$204||$270||$236||$14||$70||$794||$66|
|Pilot EX-L 2WD||$204||$328||$236||$14||$70||$852||$71|
|Pilot EX-L 4WD||$204||$328||$236||$14||$70||$852||$71|
|Pilot Touring 2WD||$204||$328||$236||$14||$70||$852||$71|
|Pilot Touring 4WD||$204||$328||$236||$14||$70||$852||$71|
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Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Premium costs do not factor in garaging location in Milwaukee which can influence prices greatly.
Establishing which companies offer the cheapest auto insurance rates for a Honda Pilot will take a little more sweat in order to find the lowest price quote. Each company uses their own calculation for determining rates, so let’s rank the most affordable auto insurance companies in Milwaukee, WI.
We do need to point out that Milwaukee auto insurance rates are impacted by many factors which can significantly increase or decrease your annual premium. Simply having another birthday, buying higher coverage limits, or getting a few speeding tickets can trigger changes in premium that may make certain companies cheaper than before.
Find Cheaper Auto Insurance for Your Pilot
|Rank||Company||Cost Per Year|
|5||Rural Mutual Insurance||$756|
|11||West Bend Mutual||$890|
|13||Auto Club Group||$948|
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USAA generally has some of the most affordable car insurance rates in Milwaukee at around $580 each year. This is $581 less than the average policy premium paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Rural Mutual Insurance would also be considered some of the more affordable Milwaukee, WI car insurance companies.
In the above rates, if you currently buy coverage from Rockford Mutual and switched to Partners Mutual, you may see yearly savings of about $120. Wisconsin drivers with Rural Mutual Insurance may save as much as $130 a year, and Western National insureds might lower prices by up to $143 a year.
Remember that these prices are averaged across all types of insureds and vehicles and are not factoring in a vehicle location for a Honda Pilot. So the auto insurance company that fits you best may not even be in the top 30 companies in the list above. That affirms the importance of why you need to get car insurance quotes using your own individual information.
The example below demonstrates how choosing different deductibles can change insurance premiums when quoting cheap insurance for a Honda Pilot. The rates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.
The chart above illustrates that a 40-year-old driver could lower their car insurance rates by $206 a year by increasing from a $100 deductible to a $500 deductible, or save $310 by using a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could shave as much as $658 each year by using higher deductibles when buying full coverage. When insureds make the decision to increase the deductibles on their policy, it is a good idea to have enough in a savings account to satisfy the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Safe drivers pay cheaper rates
In a perfect world, the ideal way to score the most affordable auto insurance rates in Milwaukee for a Pilot is to drive attentively and avoid accidents and traffic violations. The information below shows how traffic citations and accident claims impact car insurance rates for different age groups of insureds. The costs are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.
The data charted above shows the average cost of a car insurance policy in Wisconsin per year with no accidents or violations is $1,468. Receive one speeding ticket and the average cost swells to $1,652, an increase of $185 each year. Now add in two accidents along with the one speeding ticket and the annual cost of auto insurance for a Honda Pilot increases to an average of $3,224. That’s an increase of $1,757, or $146 per month, just for not driving responsibly!
Why are you paying too much for Pilot insurance?
Wisconsin auto insurance rates are based on many factors that may substantially change the policy price. Simply having another birthday, buying another vehicle, or having an at-fault accident can cause premium changes that can cause some rates to be affordable when they were higher priced. In addition to those changes, car insurance companies change premium rates as needed in order to remain profitable. A period of increased losses can result in higher rates, while a lower level of claims may produce lower-cost Pilot insurance rates.
The data below shows the cheapest car insurance in Milwaukee, WI for a 45-year-old male driver with no violations or accidents, and solid credit. When quoting prices based on his current risk factors, USAA quotes the cheapest car insurance rates in Milwaukee at $849 annually. This is $312 less than the average premium paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Pekin Insurance are the remaining best Milwaukee, WI auto insurance companies.
Let’s now give the driver from the first set of rates an accident claim, poor credit, and a few blemishes on his driving record. Since every car insurance company has their own formula to determining premium rates, getting updated rate quotes will most likely result in a new list of the cheapest Milwaukee car insurance companies as shown below.
Nationwide now has the lowest price in Milwaukee, WI with Rural Mutual Insurance, Western National, Travelers, and Partners Mutual now rounding out the top five. This shows why it is so important to do a thorough rate comparison when trying to find the cheapest auto insurance rates for a Honda Pilot. Car insurance prices can be determined by many factors and can increase or decrease at any time, so the most economical option three years ago may now cost much more than other companies.
How to find cheaper insurance for a Honda Pilot
It is possible to find better rates, and here are some penny-pinching ideas that can help drivers find cheap car insurance.
- Ensure your driving record is clean
- Avoid having at-fault accidents
- Assess whether full coverage is needed
- Pay for smaller claims out-of-pocket
- Increase your comprehensive and collision deductibles
- Comparison shop at least every other year
That last piece of advice is extraordinarily important, as we discussed in the prior information. Auto insurance rates fluctuate constantly, so don’t hesitate to switch companies if a more affordable price is available.
Having brand loyalty is commendable, but is isn’t recommended if your bullheadedness ends up costing you major coinage every year. Now is a great time to compare rates to find cheaper auto insurance for a Honda Pilot in Milwaukee.
If you aren’t clear which coverage you need and would like to get some professional input when comparing insurance rates for a Honda Pilot, the agencies below are willing to aid you in deciding which coverages are best. To find an auto insurance agency close to where you live, click the link at the bottom or click here to get price quotes now.
- Allstate Insurance: Andrew J. McCabe
4010 N Oakland Ave – Milwaukee, WI 53211 – (414) 961-1166
- Allstate Insurance: Alex Ferreira
3436 South 13th Street – Milwaukee, WI 53215 – (414) 672-2000
- American Family Insurance – Edward Thomas
4641 W Forest Home Ave – Milwaukee, WI 53219 – (414) 327-4770
- Tilley Insurance
12344 W Layton Ave – Milwaukee, WI 53228 – (414) 235-3561