How Much Does 2013 Honda Ridgeline Insurance Cost?

Want the cheapest insurance rates for your Honda Ridgeline? Have you had enough of robbing Peter to pay Paul to insure your Honda every month? You’re in the same situation as the majority of other car owners.

Popular companies such as State Farm, Allstate, Geico and Progressive constantly bombard you with ad campaigns and it is difficult to sift through the bull and find the best price available.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using this information. Finding affordable coverage is not rocket science. Although car owners must understand the way companies sell online.

How to Lower Your Car Insurance Cost

Performing a rate comparison can take time and effort if you don’t understand the most efficient way. You could spend the better part of a day driving to insurance companies in your area, or you could save time and use online quoting to get prices fast.

Many popular insurance companies enroll in a system where prospective buyers submit their information once, and every company can provide price quotes determined by their information. This eliminates the need for quotation requests to each company. To participate in this free quote system, click here (opens in new window).

The single downside to getting quotes like this is you cannot specify which insurance companies to receive prices from. If you would rather choose individual companies to receive pricing from, we have a page of the cheapest car insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, make darn sure you compare exactly the same quote information for each comparison quote. If each company quotes different values for each quote it’s impossible to determine which rate is truly the best. Quoting even small variations in limits may result in a large different in cost. And when quoting car insurance, remember that quoting more gives you a better chance of getting a lower rate.

Save money by taking advantage of these discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts to help bring down the price. Most are applied when you quote, but some may not be applied and must be inquired about before they will apply.

  • Theft Prevention System – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Homeowners Pay Less – Being a homeowner can help you save on insurance coverage because owning a home shows financial diligence.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Honda could be rewarded with better rates on cars that stay parked.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in school.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • No Claims – Good drivers with no accidents pay much less when compared to accident-prone drivers.
  • Payment Discounts – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident before your rates go up if your claims history is clear for a set time period.

Keep in mind that most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way. But any discount will cut your overall premium however.

Insurance companies that may have these discounts include:

It’s a good idea to ask all companies you are considering how you can save money. Discounts may not be available in your state.

When should I use an insurance agent?

When it comes to buying proper insurance coverage for your vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions may help highlight if your situation will benefit from professional help.

  • Is upholstery damage covered by car insurance?
  • Exactly who is provided coverage by my policy?
  • Where can I find DUI or SR-22 insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • Why am I required to buy high-risk coverage?
  • How do I buy GAP insurance?
  • Can my teen driver be rated on a liability-only vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Insurance coverage specifics

Learning about specific coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages offered by insurance companies.

Collision protection

This 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 protects against claims such as hitting a mailbox, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as EMT expenses, dental work, chiropractic care and prosthetic devices. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Liability car insurance

Liability insurance provides protection from damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to 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. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as attorney fees, repair costs for stationary objects, loss of income, court costs and pain and suffering. How much coverage you buy is up to you, but buy as large an amount as possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Honda Ridgeline.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from a tornado or hurricane, a tree branch falling on your vehicle, falling objects and hail damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.