Cheap 2017 Honda Ridgeline Insurance Rates

Searching for better insurance coverage rates for your Honda Ridgeline? Trying to come up with a payment for high-priced insurance coverage can drain your checking account and make it tough to pay other bills. Getting a rate comparison is a fast and free way to make ends meet.

Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate continually bombard you with fancy advertisements and it is challenging if not impossible to see through the deception and effectively compare rates to find the best deal.

It’s smart to compare prices quite often due to the fact that insurance rates change regularly. Just because you had the lowest premium rates for Ridgeline coverage a couple years back there may be better deals available now. Ignore everything you know about insurance coverage because you’re going to learn the proper way to find better rates and still maintain coverage.

Shop insurance online

Shopping for lower insurance rates can take hours if you aren’t aware of the most efficient way. You could spend the better part of a day discussing policy coverages with agents in your area, or you could use the internet to achieve your goal.

Most of the best insurance companies participate in a marketplace where prospective buyers enter their policy data once, and every company provides a quote determined by their information. This eliminates the need for quote forms to each individual insurance company. To find out how much you’re overpaying now click here (opens in new window).

The one disadvantage to pricing coverage this way is you cannot specify which insurance companies you want pricing from. So if you want to select individual companies to compare rates, we put together a list of insurance companies in your area. Click here to view list.

The method you choose is up to you, but make absolute certain that you use apples-to-apples quote data on every quote. If you are comparing different deductibles you can’t possibly make an equal comparison. Just slight variations in coverages can result in a big premium difference. And when price shopping your coverage, comparing a large number of companies gives you a better chance of getting a lower rate.

Buyer beware of insurance coverage advertising tricks

Progressive, Allstate and GEICO consistently run ads in print and on television. They all advertise the message that drivers will save a bundle after switching your coverage to them. How is it possible that every company can offer you a better deal? Here is the trick they use.

Different companies have a certain “appetite” for the type of customer that will most likely be profitable. An example of this type of insured might be over age 30, owns a home, and drives less than 5,000 miles a year. A driver who fits that profile receive the lowest rate quotes and will also save a lot of money.

Drivers who don’t meet the “perfect” profile will have to pay more expensive rates which translates to the customer buying from a different company. The wording the ads use say “customers that switch” but not “all drivers who get quotes” save that kind of money. This is how insurance companies can confidently advertise the way they do.

Because every company is different, drivers must compare free insurance quotes often. It is impossible to predict which company will give you lower premium rates than your current company.

Informed drivers can lower insurance rates

Part of the auto insurance buying process is learning the factors that play a part in calculating the price you pay for auto insurance. When you understand what controls the rates you pay, this helps enable you to make changes that may result in lower premium levels.

  • Do thieves like your car? – Selecting a car model with a theft deterrent system can help lower your rates. Advanced theft deterrents such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop car theft.
  • Lower rates for married couples – Getting married may cut your premiums compared to being single. Marriage may mean you are more responsible and statistics show married drivers tend to file fewer claims.
  • With age comes lower prices – Older, more experienced drivers are shown to be more cautious, are lower risk to insure and receive fewer citations.Teen drivers are statistically shown to be inattentive in a vehicle therefore auto insurance rates are much higher.
  • Reduce premiums by driving cars with good safety ratings – Cars with high safety ratings can get you lower premiums. Vehicles built for safety reduce occupant injuries and lower rates of occupant injuries means lower claim amounts and cheaper rates on your policy. If your Honda Ridgeline is rated at a minimum four stars on Safercar.gov you may pay a lower rate.

Find hidden discounts to get affordable auto insurance quotes

Companies don’t always advertise all possible discounts in an easy-to-find place, so below is a list both the well known and also the more inconspicuous credits available to bring down your rates.

  • Save over 55 – If you qualify as a senior citizen, you may receive a slight reduction on a insurance quote for Ridgeline coverage.
  • Telematics Data – Drivers who elect to allow data collection to spy on driving manner by using a small device installed in their vehicle such as Progressive’s Snapshot might see lower rates as long as the data is positive.
  • Own a Home and Save – Owning your own home or condo may earn you a small savings because it is proof of financial responsibility.
  • No Claim Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on insurance quote in comparison to frequent claim filers.
  • Good Students Pay Less – Getting good grades could provide a savings of up to 20% or more. The discount lasts up until you turn 25.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Honda may enable drivers to earn discounted prices on garaged vehicles.

Just know that most discount credits are not given the the whole policy. Most only apply to specific coverage prices like comprehensive or collision. Even though the math looks like it’s possible to get free car insurance, companies wouldn’t make money that way.

A few of the larger companies and a summarized list of policyholder discounts can be read below.

  • GEICO policyholders can earn discounts including military active duty, multi-vehicle, membership and employees, anti-theft, and air bags.
  • Travelers may have discounts that include home ownership, multi-policy, save driver, hybrid/electric vehicle, multi-car, and driver training.
  • Farm Bureau includes discounts for multi-vehicle, renewal discount, safe driver, good student, and multi-policy.
  • Liberty Mutual offers premium reductions for teen driver discount, hybrid vehicle, multi-policy, good student, and preferred payment discount.
  • American Family has savings for defensive driver, multi-vehicle, Steer into Savings, good student, and TimeAway discount.
  • Progressive offers discounts including multi-policy, online quote discount, online signing, homeowner, and good student.

If you need affordable insurance quotes, ask each company how many discounts you can get. A few discounts may not be offered in your area. If you would like to see a list of insurance companies that offer many of these discounts, click this link.

Tailor your car insurance coverage to you

When choosing adequate coverage, there is no cookie cutter policy. Every situation is different so your insurance should reflect that For instance, these questions might point out if you might need professional guidance.

  • Exactly who is provided coverage by my policy?
  • What are the best liability limits?
  • Does my personal policy cover me when driving out-of-state?
  • Is a new car covered when I drive it off the dealer lot?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I need PIP coverage since I have good health insurance?
  • Should I rate my 2017 Honda Ridgeline as pleasure use or commute?

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, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverage information

Understanding the coverages of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverages found on most insurance policies.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like theft, damage from flooding, vandalism and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability insurance

Liability coverage can cover injuries or damage you cause to other people or property that is your fault. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in 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 liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things like medical expenses, repair bills for other people’s vehicles, legal defense fees and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, crashing into a ditch, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for nursing services, prosthetic devices and EMT expenses. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Quote often and quote early

The cheapest 2017 Honda Ridgeline insurance can be bought from both online companies and also from your neighborhood agents, so you need to shop insurance with both to get a complete price analysis. Some car insurance companies do not provide online rate quotes and most of the time these smaller providers only sell through independent agents.

As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. There have been many cases where an insured cut liability coverage limits only to regret at claim time they didn’t purchase enough coverage. Your goal is to purchase plenty of coverage at a price you can afford, but don’t skip important coverages to save money.

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