Cheaper 2006 Honda Ridgeline Insurance Cost

Paying cheaper rates for car insurance is always hard for drivers who are new to online insurance quotes. There are so many choices that it can easily be a big hassle to find more affordable car insurance rates.

It’s important to compare rates periodically since insurance prices are rarely the same from one policy term to another. Even if you got the best quotes on Ridgeline insurance a few years ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because it’s time to teach you one of the easiest ways to reduce your cost while increasing coverage.

How to get affordable insurance

There are multiple methods to compare insurance prices but one way is less time-consuming than others. You could spend your day talking about coverages with insurance agencies in your area, or you could save time and use online quoting to get prices fast.

Many companies belong to a marketplace where prospective buyers send in one quote, and every company then returns a price quote based on that data. This saves time by eliminating quote requests to every company. To participate in this free quote system, click here (opens in new window).

One minor caviat to doing it this way is you cannot specify which providers to get pricing from. So if you prefer to choose specific providers for rate comparison, we put together a list of companies who write insurance in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just make sure you use exactly the same quote data for each price quote. If the quotes have mixed coverages it will be impossible to determine the lowest rate for your Honda Ridgeline. Slightly different insurance coverages or limits can make a big difference in price. And when comparison shopping, comparing more company’s prices helps locate a better price. Not every company allows you to get prices over the internet, so it’s important to also get price estimates from the smaller companies as well.

How to know if you need help

When it comes to choosing proper insurance coverage for your vehicles, there is no best way to insure your cars. Each situation is unique.

These are some specific questions could help you determine if you might need an agent’s assistance.

How high should my medical payments coverage be?
When should my teen driver be added to my policy?
Do all my vehicles need collision coverage?
Which is better, split liability limits or combined limits?
What is PIP insurance?
What is no-fault insurance?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form.

What insurance coverages do you need?

Understanding the coverages of your policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Auto collision coverage

Collision insurance covers damage to your Ridgeline resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as sustaining damage from a pot hole, rolling your car, hitting a mailbox, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability insurance

Liability coverage will cover damage that occurs to people or other property. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like funeral expenses, structural damage, medical expenses and medical services. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hail damage, hitting a bird, theft, damage from getting keyed and damage from flooding. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for funeral costs, doctor visits and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay