2014 Honda Ridgeline Insurance Quotes – 6 Tips for Best Rates

Trying to find better auto insurance rates for your Honda Ridgeline? Having to pay for high-priced Honda Ridgeline insurance can dwindle your budget and force you to cut corners elsewhere. Price shopping at each renewal is a fast and free way to tighten up your finances.

Because there are so many choices of insurance companies, it’s difficult to pick a lower cost company.

How much does car insurance cost?

Effectively comparing car insurance prices can take hours if you aren’t aware of the best way to get rate quotes. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you can utilize the web to quickly compare rates.

Many companies belong to a marketplace where prospective buyers enter their coverage request one time, and every company provides a quote based on that data. This eliminates the need for repetitive form submissions to each company.

To compare pricing click here (opens in new window).

The only drawback to pricing coverage this way is that consumers can’t choose which providers you want to price. So if you want to choose specific providers to receive pricing from, we have a page of the cheapest car insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but make absolute certain that you use nearly identical deductibles and coverage limits on every price quote you get. If you have different data it’s not possible to determine the best price for your Honda Ridgeline.

Save a ton with these six auto insurance discounts

Companies offering auto insurance do not advertise all possible discounts very well, so below is a list a few of the more well known and also the lesser-known credits that may apply to you.

  • Discounts for Federal Employees – Active or former government employment may qualify for a discount when you quote insurance coverage on Ridgeline insurance with certain companies.
  • Onboard Data Collection – Drivers who agree to allow their company to analyze driving patterns through the use of a telematics system such as Progressive’s Snapshot could possibly reduce rates if their driving habits are good.
  • Pay Early and Save – By paying your entire bill at once instead of making monthly payments you can avoid monthly service charges.
  • Defensive Driver – Passing a safe driver course may get you a small discount if you qualify.
  • Early Signing – Some insurance companies provide a discount for renewing your policy before your current policy expires. You could save around 10% when you buy insurance coverage online.
  • Discounts for Good Drivers – Accident-free drivers may receive a discount up to 45% on Ridgeline insurance than their less cautious counterparts.

Don’t be surprised that most discounts do not apply to the entire policy premium. The majority will only reduce specific coverage prices like liability and collision coverage. Despite the appearance that all the discounts add up to a free policy, auto insurance companies aren’t that generous. Any amount of discount will definitely reduce your policy premiums.

To locate companies offering auto insurance discounts, click here.

Auto insurance can get complicated

When choosing the best auto insurance coverage for your personal vehicles, there really is no one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions might point out if your situation could use an agent’s help.

  • When should I drop full coverage on my 2014 Honda Ridgeline?
  • Do I need added coverage for expensive stereo equipment?
  • Does liability extend to a camper or trailer?
  • Is a fancy paint job covered?
  • How does medical payments coverage work?
  • Is there coverage for injuries to my pets?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I covered when pulling a rental trailer?
  • Do I benefit by insuring my home with the same company?
  • Can I rent a car in Mexico?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Car insurance ads bend the truth

Drivers can’t get away from ads that claim the lowest premium rates by companies like Allstate, GEICO and Progressive. All the companies say the same thing about savings if you just switch your policy.

That’s great but how can every company save you money? Here is the trick they use.

Companies are able to cherry pick for the type of customer that will generate a profit. An example of a profitable risk profile may be between 30 and 50, is a homeowner, and has a high credit rating. Someone who matches those parameters will probably get cheap prices and have a good chance to save if they switch.

Potential customers who are not a match for the requirements will have to pay a higher premium and ends up with the customer not buying. The ads say “customers who switch” not “all people who quote” save money. That’s the way insurance companies can make claims that they all have the best prices.

This really drives home the point why you absolutely need to compare quotes as often as possible. It is just not possible to predict which insurance companies will give you lower premium rates than your current company.

Insurance coverage breakdown

Having a good grasp of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement. These are the normal coverages found on most insurance policies.

Comprehensive insurance

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

Comprehensive can pay for things such as damage from getting keyed, damage from a tornado or hurricane, vandalism, fire damage and damage from flooding. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability insurance provides protection from damage or injury you incur to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as funeral expenses, court costs, repair bills for other people’s vehicles and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like driving through your garage door, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses for things like hospital visits, nursing services, pain medications and prosthetic devices. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Honda Ridgeline.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Buy Smart and Save

In this article, we covered a lot of tips how to get a better price on 2014 Honda Ridgeline insurance. The most important thing to understand is the more price quotes you have, the higher your chance of finding cheaper insurance coverage. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising. Regional companies can often insure niche markets at a lower cost than their larger competitors like Progressive or GEICO.

Cheaper 2014 Honda Ridgeline insurance is attainable from both online companies as well as from insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers don’t offer internet price quotes and usually these regional insurance providers provide coverage only through independent agents.

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