Save on 2008 Honda Ridgeline Car Insurance Rates

Trying to find cheaper insurance for a new or used Honda Ridgeline can turn out to be a painful process, but you can learn a few tricks to save time.

There are both good and bad ways to buy car insurance and you need to know the quickest way to quote coverages for a new or used Honda and locate the best price possible either online or from local insurance agents.

You should make it a habit to price shop coverage once or twice a year due to the fact that insurance rates tend to go up over time. Even if you think you had the best rate on Ridgeline insurance a few years ago you will most likely find a better price today. Ignore everything you know about car insurance because you’re going to learn the best way to lower your annual insurance bill.

Shopping for the cheapest coverage is not that difficult. If you have insurance now or are just looking to switch companies, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Vehicle owners only need to know the proper methods to compare company rates on the web.

Insurance coverage discounts are available to reduce your rates

Buying insurance coverage is not cheap, but you might be missing out on some discounts that many people don’t even know exist. Many discounts should be triggered at the time of quoting, but a few need to be specifically requested prior to receiving the credit. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Active Service Discounts – Having a family member in the military could qualify you for better insurance coverage rates.
  • New Car Discount – Putting insurance coverage coverage on a new car may earn a small discount due to better safety requirements for newer vehicles.
  • Seat Belt Usage – Drivers who require all occupants to buckle up before driving can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • ABS Brakes – Vehicles with anti-lock braking systems prevent accidents so you can save 10 percent or more.
  • Accident Forgiveness – This one isn’t a discount, but companies like Geico, Progressive, and Allstate will let one accident slide without the usual rate increase so long as you are claim-free for a specific time period.
  • E-sign Discounts – A handful of larger companies will give you a small discount simply for signing on their website.

One last thing about discounts, some of the credits will not apply to the overall cost of the policy. Some only apply to individual premiums such as comp or med pay. Even though it may seem like it’s possible to get free car insurance, you aren’t that lucky. Any qualifying discounts will definitely reduce the cost of coverage.

Large insurance coverage companies and some of their more popular discounts are outlined below.

  • Farm Bureau policyholders can earn discounts including multi-vehicle, multi-policy, good student, safe driver, 55 and retired, and driver training.
  • State Farm offers discounts including Steer Clear safe driver discount, defensive driving training, anti-theft, passive restraint, multiple policy, driver’s education, and good student.
  • Progressive has savings for good student, online signing, homeowner, online quote discount, continuous coverage, and multi-vehicle.
  • Allstate offers premium reductions for farm vehicle, good student, teenSMART discount, multi-policy, anti-lock brakes, passive restraint, and premier discount.
  • Nationwide offers discounts for defensive driving, accident-free, Farm Bureau membership, family plan, multi-policy, easy pay, and business or organization.
  • MetLife may offer discounts for multi-policy, good driver, defensive driver, claim-free, good student, accident-free

If you need cheaper auto insurance quotes, ask all companies you are considering which discounts you may be entitled to. Discounts may not apply to policyholders in your area. To choose insurers who offer free insurance coverage quotes, click here.

How to get free car insurance quotes online

Shopping for lower car insurance rates is a ton of work if you don’t utilize the most efficient way to do it. You can waste hours discussing policy coverages with agents in your area, or you could use online quotes to quickly compare rates.

Many popular insurance companies participate in an industry program where insurance shoppers send in one quote, and every company then returns a price quote based on the submitted data. This system prevents you from having to do quote forms for each company you want a rate for. To use this form to compare rates click here to start a free quote.

The only downside to using this type of system is buyers cannot specifically choose the companies to receive prices from. If you wish to select specific insurance companies to compare, we put together a list of car insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but do your best to use the exact same deductibles and coverage limits on every price quote you get. If you have different values for each quote then you won’t be able to find the best deal for your Honda Ridgeline.

Get cheap insurance costs by understanding these factors

Smart consumers have a good feel for the different types of things that go into determining the price you pay for insurance. If you have some idea of what controls the rates you pay, this allows you to make good choices that will entitle you to lower premium levels. Multiple criteria are part of the calculation when premium rates are determined. Some are obvious like your driving record, but other criteria are less apparent like your vehicle usage or your vehicle rating.

  • Improve your credit rating and save – Credit score is a large factor in determining what you pay. Drivers with high credit scores tend to file fewer claims than drivers who have poor credit. So if your credit history could use some work, you could save money insuring your 2008 Honda Ridgeline by taking the time to improve your credit score.
  • Premiums increase with policy add-ons – Insurance policies have a lot of optional add-on coverages that may not really be needed but may not be useful. Insurance for things like coverage for rental cars, towing, and term life insurance may not be needed and are just wasting money. They may seem good when you first buy your policy, but if they’re wasting money eliminate them to save money.
  • Youthful drivers pay more – Young drivers are statistically shown to be less responsible behind the wheel so they pay higher insurance rates. If you’ve ever had to add a teen driver onto your insurance can be very expensive. Mature drivers are more responsible, are lower risk to insure , and are generally more financially stable.
  • Battle of the sexes – Over time, data shows that females tend to be a little less risky than males. It does not mean men are worse drivers. Females and males get in fender benders at about the same rate, but the male of the species tend to have more serious accidents. In addition to higher claims, males also get more serious tickets like DWI (DUI) or reckless driving. Males from age 16 to 21 have the highest risk to insure so they pay the highest premiums.
  • Safer cars means cheaper premiums – Safer cars tend to have lower insurance rates. Safer cars reduce the chance of injuries and better occupant protection means lower claim amounts and lower rates for you.

Everyone needs different auto insurance coverages

When it comes to buying the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions may help you determine if you could use an agent’s help.

  • Do I have coverage if my license is suspended?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I missing any policy discounts?
  • Which is better, split liability limits or combined limits?
  • What are the financial responsibility laws in my state?
  • Is a fancy paint job covered?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Car insurance coverages and their meanings

Having a good grasp of your car insurance policy can be of help when determining the best coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Collision coverage protection

Collision coverage will pay to fix damage to your Ridgeline caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like scraping a guard rail, crashing into a ditch, hitting a mailbox, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for prosthetic devices, X-ray expenses and chiropractic care. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive coverages

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hail damage, fire damage and hitting a bird. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability

This coverage will cover damage or injury you incur to other people or property that is your fault. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for things such as funeral expenses, emergency aid, pain and suffering and structural damage. How much coverage you buy is up to you, but you should buy as much as you can afford.

Make a quick buck

While you’re price shopping online, never skimp on critical coverages to save a buck or two. Too many times, an insured cut comprehensive coverage or liability limits only to regret that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage at the best cost while still protecting your assets.

A few companies do not provide rate quotes online and usually these small, regional companies only sell through independent insurance agents. Budget-friendly car insurance is definitely available both online and also from your neighborhood agents, and you should be comparing both in order to have the best price selection to choose from.

We covered a lot of information how to reduce 2008 Honda Ridgeline insurance rates online. The key concept to understand is the more price quotes you have, the better your chances of lowering your auto insurance rates. You may even find the best price on car insurance is with a small mutual company.

Much more information about car insurance can be found at the links below