2014 Honda Ridgeline Insurance Rates – 10 Tips to Save

Want lower auto insurance rates for your Honda Ridgeline? Overwhelmed by the sheer number of auto insurance options? You’re not alone. You have so many options available that it can be more work than you anticipated to find the best price.

It’s important to get comparison quotes every six months due to the fact that insurance rates are usually higher with each renewal. Just because you had the lowest price on Ridgeline coverage a couple years back a different company probably has better rates today. Starting right now, block out anything you think you know about auto insurance because I’m going to teach you the quickest way to find lower rates on auto insurance.

Locating the lowest cost protection is not that difficult. Just about everyone who buys insurance stands a good chance to be able to lower their premiums. But consumers can benefit from knowing how big insurance companies price online insurance because it can help you find the best coverage.

How to Get Cheap Insurance

Shopping for lower insurance rates can be exhausting if you aren’t aware of the easiest way. You can spend countless hours driving to agents in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

Many companies belong to an insurance system that allows shoppers to enter their policy data once, and each company can give them a price determined by their information. This eliminates the need for form submissions to every company.

To find out how much you’re overpaying now click to open in new window.

The one disadvantage to pricing coverage this way is you can’t choose the providers to get quotes from. So if you prefer to pick from a list of companies to request quotes from, we have assembled a list of insurance companies in your area. View list of insurance companies.

Whichever method you choose, be sure to compare exactly the same coverage information with every price quote. If you compare differing limits it’s impossible to find the best deal for your Honda Ridgeline. Quoting even small variations in coverage limits could mean much higher rates. Keep in mind that more quotes gives you a better chance of getting a better price.

Lower rates by qualifying for these ten discounts

The cost of insuring your cars can be expensive, but there are discounts available that can drop the cost substantially. A few discounts will automatically apply when you complete an application, but lesser-known reductions have to be specially asked for before they will apply.

College Student – Any of your kids who are attending college and don’t have a car can receive lower rates.
Safety Course Discount – Completing a defensive driving course could cut 5% off your bill if you qualify.
Good Students Pay Less – This discount can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
Low Mileage Discounts – Low mileage vehicles could be rewarded with a substantially lower rate.
Discount for Swiching Early – A few companies offer discounts for buying a policy before your current policy expires. The savings is around 10%.
Accident Waiver – A handful of insurance companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
No Claims – Drivers with accident-free driving histories pay less when compared with accident-prone drivers.
Federal Employees – Active or retired federal employment could cut as much as 10% off on Ridgeline coverage depending on your company.
New Car Discount – Insuring a new car is cheaper compared to insuring an older model.
Clubs and Organizations – Participating in certain professional organizations could trigger savings on your policy on Ridgeline coverage.

It’s important to understand that most discount credits are not given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like you would end up receiving a 100% discount, you’re out of luck. Any qualifying discounts will reduce the cost of coverage.

For a list of companies who offer insurance discounts, click this link.

Car insurance is unique, just like you

When it comes to buying coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that might point out whether you could use an agent’s help.

Will I be non-renewed for getting a DUI or other conviction?
Is motorclub coverage worth it?
Can I pay claims out-of-pocket if I buy high deductibles?
What is the minimum liability in my state?
Does coverage extend to my business vehicle?
Why do I need rental car insurance?
Does my policy cover me when driving someone else’s vehicle?

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, take a second and complete this form.

Insurance policy coverages for a Honda Ridgeline

Having a good grasp of insurance can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Honda Ridgeline.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Normally these limits are similar to your liability insurance amounts.

Auto liability insurance

This coverage can cover damage that occurs to people or other property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like legal defense fees, medical services, court costs and funeral expenses. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Comprehensive coverages

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, hitting a deer, damage from a tornado or hurricane, damage from flooding and damage from getting keyed. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

This pays for damage to your Ridgeline caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a building, rolling your car, sideswiping another vehicle and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like dental work, prosthetic devices and pain medications. They are used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage