How Much Does 2007 Honda Ridgeline Insurance Cost?

Having to pay for expensive Honda Ridgeline insurance can diminish your savings and force you to tighten up your finances. Comparing rates annually can be a smart way to cut your insurance bill.

Since you have so many companies to choose from, it’s difficult to locate the most cost effective company.

Consumers should take time to price shop coverage periodically because insurance prices fluctuate regularly. Even if you think you had the lowest price for Ridgeline coverage at your last renewal you may be paying too much now. Block out anything you think you know about auto insurance because it’s time to teach you how to use online quotes to save on auto insurance.

How to compare free insurance price quotes

Performing a rate comparison can take hours if you aren’t aware of the fastest way to get free quotes. You could spend the better part of a day talking about coverages with insurance companies in your area, or you can utilize the internet to get the quickest rates.

Many companies belong to a marketplace that enables customers to submit their information once, and at least one company then returns a price quote. This system prevents you from having to do quote requests to every company.

To get comparison pricing now click here to open in new window.

The one downside to comparing rates this way is buyers cannot specifically choose which companies you want pricing from. If you wish to select from a list of companies to compare prices, we have a listing of the cheapest insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but try to keep the exact same quote information for every company. If you have unequal deductibles or liability limits it will be next to impossible to get a fair rate comparison.

Use discounts on car insurance

Auto insurance companies don’t always list every policy discount in an easy-to-find place, so the next list breaks down a few of the more common and the harder-to-find discounts that may be available.

• Telematics Devices – Policyholders that allow driving data submission to monitor driving manner remotely such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they show good driving skills.
• Service Members Pay Less – Being on active deployment in the military could trigger a small discount.
• Claim-Free Discount – Claim-free drivers are rewarded with significantly better rates on insurance quote in comparison to insureds who have frequent claims or accidents.
• College Student Discount – College-age children who attend college more than 100 miles from home and do not have a car can receive lower rates.
• Paper-free Discount – Many companies will give you a small discount shop insurance online.
• Pay Early and Save – By paying your policy upfront instead of monthly or quarterly installments you can avoid monthly service charges.
• Organization Discounts – Having an affiliation with qualifying clubs or civic groups could qualify you for a break on car insurance.

A quick disclaimer, most discounts do not apply to the overall cost of the policy. Some only apply to specific coverage prices like liability, collision or medical payments. Even though it appears it’s possible to get free car insurance, you aren’t that lucky.

To view providers that offer the discounts shown above, follow this link.

Tailor your car insurance coverage to you

When buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions can aid in determining whether or not you may require specific advice.

• Is a blown tire covered by insurance?
• Does my 2007 Honda Ridgeline need full coverage?
• Am I better off with higher deductibles on my 2007 Honda Ridgeline?
• What can I do if my company won’t pay a claim?
• Is my Honda Ridgeline covered if I use it for business?
• Are my friends covered when driving my car?
• Is motorclub coverage worth it?
• Are split liability limits better than a combined single limit?
• Do I need PIP (personal injury protection) coverage in my state?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to 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. It’s fast, free and you can get the answers you need.

Auto insurance coverage information

Knowing the specifics of your policy helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement. Listed below are typical coverages found on most insurance policies.

Comprehensive coverage

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, damage from flooding, damage from getting keyed, a broken windshield and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance

Liability insurance provides protection from damages or injuries you inflict on other people or property. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things such as medical expenses, funeral expenses and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision protection

Collision coverage pays for damage to your Ridgeline caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as backing into a parked car, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses such as dental work, rehabilitation expenses and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.