2018 Honda Ridgeline Insurance Cost – 10 Ways to Save

Trying to find cheaper auto insurance rates for your Honda Ridgeline? Searching for cheaper insurance for a Honda Ridgeline can be an all-consuming task, but you can use our auto insurance buying tips and make it easy.

There is a better way to buy auto insurance so we’re going to tell you the proper way to quote coverages for your Honda and get the cheapest rates from local insurance agents and online providers.

It is always a good idea to compare prices quite often due to the fact that insurance prices are usually higher with each renewal. Just because you had the best rates on Ridgeline coverage two years ago the chances are good that you can find a lower premium rate today. There is a lot of wrong information about auto insurance on the web, but in just a couple of minutes you can learn the best ways to quit paying high auto insurance rates.

Free auto insurance price quotes

Finding a better price on auto insurance isn’t really that difficult. All that’s required is to take time getting comparison quotes to find out which insurance company has low cost insurance coverage quotes. Comparing prices online can be done using a couple different methods.

1. The most recommended method consumers can analyze rates is a comparison rater form (click to open form in new window). This quick form keeps you from doing boring form submissions for each company you want a rate for. One simple form gets prices estimates from all major companies.It’s the quickest way to get rates.
2. A slightly less efficient method to find better pricing consists of visiting each individual company website and fill out their own quote form. For sake of this example, we’ll assume you want to compare Geico, Esurance and Liberty Mutual. To get rate quotes you would need to go to every website and punch in your information repeatedly, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.
3. The least recommended way to get comparison rates is driving around to and from local insurance agencies. Comparing online rate quotes makes this unnecessary unless you have a need for the advice and guidance that only a licensed agent can provide. If you prefer, some companies allow you to compare online quotes but still have the advice of a local agent.

Take whichever approach you prefer, but be sure you’re using exactly the same quote data on every price quote you get. If each company quotes different liability limits it will be very difficult to determine which company has the best rates.

Double check you’re getting these ten premium-slashing discounts

The price of auto insurance can be rather high, but there could be available discounts that could drop your premiums quite a bit. A few discounts will be applied at the time of purchase, but some need to be asked for prior to getting the savings.

• Low Miles Discount – Maintaining low annual mileage can qualify you for substantially lower rates.
• Drivers Education – Have your child sucessfully take a drivers education course in high school.
• Clubs and Organizations – Having an affiliation with qualifying employment or professional organizations could qualify you for a break when getting a insurance coverage quote.
• Waiver for an Accident – This isn’t a discount exactly, but companies like State Farm and Allstate allow you one accident before they charge you more for coverage as long as you don’t have any claims prior to the accident.
• Life Insurance – Some companies give a discounted insurance coverage rate on car insurance if you buy life insurance from them.
• Good Student – This discount can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.
• Passive Restraints and Air Bags – Factory options such as air bags or motorized seat belts may get savings of 20 to 30 percent.
• Savings for New Vehicles – Insuring a vehicle that is new can save you some money because newer models have to meet stringent safety requirements.
• Multiple Policy Discount – When you combine your home and auto insurance and insure them with the same company you may earn approximately 10% to 15%.
• ABS Brakes – Vehicles with anti-lock braking systems are much safer to drive and earn discounts up to 10%.

We need to note that some of the credits will not apply to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though you would think you would end up receiving a 100% discount, it’s just not the way it works. But all discounts will lower your premiums.

Popular insurance coverage companies and a summarized list of policyholder discounts are:

• Esurance has savings for renters, homeowner, claim free, Switch & Save, and safety device.
• The Hartford policyholders can earn discounts including vehicle fuel type, good student, air bag, anti-theft, driver training, bundle, and defensive driver.
• AAA may offer discounts for AAA membership discount, pay-in-full, good student, multi-car, education and occupation, multi-policy, and good driver.
• Geico offers discounts including driver training, seat belt use, multi-policy, air bags, membership and employees, and daytime running lights.
• State Farm offers discounts for multiple policy, student away at school, driver’s education, accident-free, defensive driving training, Steer Clear safe driver discount, and passive restraint.

When comparing rates, check with each company which discounts they offer. Some of the earlier mentioned discounts might not be available to policyholders in your state. To locate insurance companies that provide some of the discounts listed above, follow this link.

Do I need special coverages?

When it comes to choosing proper insurance coverage, there really is not a single plan that fits everyone. Every insured’s situation is different.

For instance, these questions could help you determine whether or not you would benefit from an agent’s advice.

• Do I get a pro-rated refund if I cancel my policy early?
• Why is insurance for a teen driver so high?
• Can my babysitter drive my car?
• Why do I need rental car insurance?
• How high should my medical payments coverage be?
• Why am I required to buy liability insurance?
• Am I covered when driving a rental car?
• Are there companies who specialize in insuring high-risk drivers?
• Why am I be forced to buy a membership to get insurance from some companies?
• Is my Honda Ridgeline covered if I use it for business?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage information

Knowing the specifics of auto insurance can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are set the same as your liablity limits.

Auto liability insurance – This coverage can cover damage that occurs to people or other property by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like repair bills for other people’s vehicles, funeral expenses and bail bonds. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Collision coverage – This coverage covers damage to your Ridgeline resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a parking meter, sustaining damage from a pot hole, sideswiping another vehicle, colliding with another moving vehicle and rolling your car. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also raise the deductible to bring the cost down.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like fire damage, rock chips in glass and falling objects. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for rehabilitation expenses, hospital visits, surgery and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage