Lower Your 2006 Honda Ridgeline Car Insurance Rates

Are you kicking yourself for buying an overpriced insurance policy? Believe me when I say you are not the only one feeling buyer’s remorse.

Since people have many different company options, it can be diffult for drivers to pick the most affordable insurance company.

It’s a good habit to compare rates once or twice a year due to the fact that insurance prices tend to go up over time. Even if you think you had the lowest quotes for Ridgeline coverage on your last policy you will most likely find a better rate today. Don’t believe everything you read about insurance online, but in this article, you’re going to get some great ideas on how to buy insurance cheaper.

You may qualify for discounts

Insuring your vehicles can cost a lot, but companies offer discounts that you may not even know about. A few discounts will automatically apply at the time of quoting, but occassionally some discounts must be specially asked for prior to getting the savings.

• Telematics Data – Insureds who allow driving data submission to analyze when and where they use their vehicle by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if their driving habits are good.
• One Accident Forgiven – Not a discount per se, but a few companies such as Geico, Progressive, and Allstate will turn a blind eye to one accident before your rates go up so long as you haven’t had any claims for a specific time period.
• Claim-Free Discount – Good drivers with no accidents can save substantially when compared with frequent claim filers.
• Discount for Low Mileage – Driving less could qualify for lower rates due to less chance of an accident.
• Safety Course Discount – Participating in a course that instructs on driving safety can save you 5% or more and also improve your driving technique.
• Good Student – Excelling in school can save 20 to 25%. You can use this discount normally up to age 25.
• Renewal Discounts – A few companies allow discounts for switching to them prior to the expiration date on your current policy. You can save around 10% with this discount.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like it’s possible to get free car insurance, you’re out of luck.

A partial list of companies that may include these money-saving discounts include:

• Geico
• Travelers
• Farm Bureau
• Liberty Mutual
• American Family
• Progressive

If you need the cheapest insurance quotes, ask each company which discounts can lower your rates. Some of the earlier mentioned discounts may not be offered in your area. To choose insurance companies that provide some of the discounts listed above, click this link.

There’s no such thing as the perfect insurance coverage policy

When it comes to choosing proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions might point out if your insurance needs would benefit from professional advice.

• Is my cargo covered for damage or theft?
• Does my policy cover me when driving someone else’s vehicle?
• What is an SR-22 filing?
• Do I have coverage when using my vehicle for my home business?
• Does my insurance cover my expensive audio equipment?
• Do I have coverage when pulling a U-Haul trailer?
• Is business equipment covered while in my vehicle?
• Is my Honda Ridgeline covered if I use it for business?
• Should I drop comprehensive coverage on older vehicles?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area.

Auto insurance coverage considerations

Having a good grasp of auto insurance can help you determine the best coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. These are the usual coverages available from auto insurance companies.

Uninsured/Underinsured Motorist coverage – This provides protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your 2006 Honda Ridgeline.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Liability – Liability insurance can cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like repair bills for other people’s vehicles, structural damage and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive coverage – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like theft, rock chips in glass, fire damage, damage from a tornado or hurricane and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverages – Collision coverage pays for damage to your Ridgeline from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with a tree, damaging your car on a curb, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like ambulance fees, EMT expenses, surgery and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

The bottom line

You just read some good ideas how to compare 2006 Honda Ridgeline insurance car insurance rates online. The key thing to remember is the more price quotes you have, the higher your chance of finding inexpensive insurance. Consumers may even find the lowest car insurance rates are with some of the lesser-known companies. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

Cheap 2006 Honda Ridgeline insurance is available online in addition to local insurance agencies, so you should compare both in order to have the best price selection to choose from. There are still a few companies who may not offer price quotes online and most of the time these regional carriers prefer to sell through local independent agents.

For more information, feel free to browse these articles:

• Insurance Losses by Make and Model (iihs.org)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Drunk Driving Statistics (Insurance Information Insitute)
• Tools for Teen Driving Safety (State Farm)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)