Save on 2018 Honda Ridgeline Insurance Rates in 2024

Trying to find better car insurance rates for your Honda Ridgeline? Having to pay for high-priced Honda Ridgeline insurance can diminish your bank account and possibly require you to analyze your spending habits.

Multiple car insurance companies compete for your insurance dollar, and because of this it can be hard to compare auto insurance companies to find the absolute cheapest price

It’s a great practice to quote other rates occasionally because insurance prices trend upward over time. Despite the fact that you may have had the best quotes on Ridgeline coverage six months ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because you’re about to learn the right way to reduce your cost while improving coverage.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these tips. Finding affordable coverage is quite easy. Although car owners can benefit by having an understanding of the methods companies use to determine prices.

How to buy auto insurance online

There are several ways of comparing rates from many auto insurance companies in your state. The best way to compare rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

1. One of the fastest ways to compare a lot of rates at once is to use a rate comparison form. This type of form saves time by eliminating repetitive form entry for every auto insurance company. One quote request gets prices estimates direct from many companies.
2. A more difficult way to analyze rates is spending the time to visit the website of each company to request a price quote. For example, let’s assume you want comparison quotes from Progressive, State Farm and GEICO. In order to get each rate, you would have to take the time to go to each site and enter your policy data, and that explains why we recommend the first method.

It’s up to you which method you use, but ensure you are comparing the exact same coverage limits and deductibles for each price quote. If the quotes have different limits and deductibles on each one you will not be able to determine the best price for your Honda Ridgeline. Slightly different insurance coverages may cause a big price difference. It’s important to know that comparing more rates from different companies gives you a better chance of getting more affordable insurance. Some insurance companies are not set up to provide price estimates online, so it’s necessary to compare rates from them, too.

More discounts mean cheaper premiums

Companies do not advertise every policy discount in an easy-to-find place, so we took the time to find some of the more common and the more hidden credits that may apply to you.

• Government Employee Discount – Federal government employees can save as much as 8% on Ridgeline coverage with a few car insurance companies.
• Senior Citizens – Drivers that qualify as senior citizens are able to get better car insurance rates on Ridgeline coverage.
• No Claim Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on car insurance quote in comparison to insureds who have frequent claims or accidents.
• Lower Rates for Military – Having an actively deployed family member may qualify for rate reductions.
• Theft Deterrent System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and that can save you a little bit as well.
• College Student Discount – Any of your kids who are attending college and won’t have access to an insured vehicle could qualify for this discount.

One thing to note about discounts is that some of the credits will not apply to the whole policy. A few only apply to individual premiums such as collision or personal injury protection. Despite the appearance that adding up those discounts means a free policy, you’re out of luck.

Companies and the discounts they provide can be read below.

• State Farm offers discounts including defensive driving training, student away at school, anti-theft, accident-free, and good driver.
• American Family may have discounts that include multi-vehicle, defensive driver, mySafetyValet, TimeAway discount, early bird, and good student.
• AAA may include discounts for good driver, multi-policy, multi-car, pay-in-full, AAA membership discount, and anti-theft.
• GEICO offers premium reductions for daytime running lights, membership and employees, multi-policy, seat belt use, and five-year accident-free.
• Mercury Insurance includes discounts for multi-policy, location of vehicle, good student, annual mileage, type of vehicle, multi-car, and accident-free.
• Farmers Insurance discounts include switch companies, distant student, multi-car, youthful driver, homeowner, pay in full, and bundle discounts.
• Progressive offers discounts for online signing, continuous coverage, multi-vehicle, good student, multi-policy, and online quote discount.

If you need lower rates, check with each company which discounts you qualify for. Some of the earlier mentioned discounts may not be available in your area. To find insurance companies that can offer you the previously mentioned discounts, enter your zip code here.

It’s not one size fits all

When choosing coverage for your personal vehicles, there is no cookie cutter policy. Each situation is unique so your insurance needs to address that. For example, these questions may help you determine whether or not you would benefit from professional advice.

• Am I covered if I break a side mirror?
• Why am I be forced to buy a membership to get insurance from some companies?
• Do I pay less if my vehicle is kept in my garage?
• Why do I only qualify for high-risk insurance?
• Do I really need UM/UIM coverage?
• Is upholstery damage covered by car insurance?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, complete your zip code.

Car insurance coverage specifics

Understanding the coverages of car insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most car insurance policies.

Comprehensive coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like fire damage, damage from flooding and theft. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like pain medications, EMT expenses, chiropractic care and funeral costs. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Auto liability insurance

Liability coverage provides protection from damage or injury you incur to other people or property in an accident. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like emergency aid, bail bonds, loss of income and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Honda Ridgeline.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision insurance

Collision coverage pays for damage to your Ridgeline resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with another moving vehicle, damaging your car on a curb, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.