2008 Honda Ridgeline Insurance Cost – 5 Tips for Cheaper Prices

Trying to find low-cost insurance for your Honda Ridgeline can be a painful process, but you can follow a few tricks and make it easy. There is a right way and a wrong way to buy car insurance and you need to know the quickest way to compare rates for a new or used Honda and find the lowest possible price.

Consumers need to get comparison quotes occasionally since insurance prices tend to go up over time. Just because you had the best quotes for Ridgeline coverage two years ago there is a good chance you can find better rates now. Block out anything you think you know about car insurance because you’re about to learn one of the quickest ways to reduce your cost while increasing coverage.

Buying car insurance is not rocket science. If you have a policy now or need a new policy, you can use these tips to find the best rates while maintaining coverages. Consumers just need to understand the most efficient way to get comparison quotes online.

Earn discounts on auto insurance

Buying auto insurance is not cheap, but you might find some hidden discounts that may help make it more affordable. Some trigger automatically when you quote, but occassionally some discounts must be inquired about before you will receive the discount.

• Multi-car Discount – Buying insurance for multiple cars with the same company can get a discount on all vehicles.
• Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use a seat belt could save 15% off the PIP or medical payment premium.
• New Vehicle Savings – Insuring a new car can get you a discount compared to insuring an older model.
• Fewer Miles Equal More Savings – Low annual miles can earn lower rates on the low mileage vehicles.
• Discount for Home Ownership – Owning a house can earn you a little savings because it requires a higher level of personal finance.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though you would think adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Large auto insurance companies and the discounts they provide can be read below.

• The Hartford may include discounts for anti-theft, good student, vehicle fuel type, driver training, defensive driver, and air bag.
• American Family offers discounts for defensive driver, TimeAway discount, early bird, good driver, Steer into Savings, and air bags.
• Progressive has discounts for good student, multi-policy, continuous coverage, multi-vehicle, online signing, homeowner, and online quote discount.
• Travelers policyholders can earn discounts including multi-policy, save driver, payment discounts, student away at school, continuous insurance, and early quote.
• Farmers Insurance offers discounts including teen driver, youthful driver, alternative fuel, bundle discounts, pay in full, and switch companies.
• USAA discounts include good student, loyalty savings, new vehicle, multi-policy, and multi-vehicle.
• Liberty Mutual includes discounts for multi-car, good student, teen driver discount, new graduate, safety features, and new vehicle discount.

If you want affordable insurance quotes, ask each company which discounts you qualify for. All car insurance discounts might not apply everywhere. To choose insurance companies that have a full spectrum of discounts, click here to view.

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Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different.

For instance, these questions can aid in determining if you will benefit from professional help.

• Does having multiple vehicles earn me a discount?
• Do I need medical payments coverage since I have good health insurance?
• Do I need more liability coverage?
• Does my 2008 Honda Ridgeline qualify for pleasure use?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Does my 2008 Honda Ridgeline need full coverage?
• What is high-risk coverage and where do I buy it?
• Can my babysitter drive my car?
• Will my vehicle be repaired with OEM or aftermarket parts?
• What vehicles should carry emergency assistance coverage?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

But they said I’d save $407 a year!

Consumers can’t ignore all the ads that claim the lowest premium rates by Progressive, Geico, Allstate and State Farm. They all seem to make an identical promise that drivers can save some big amount if you move your insurance coverage policy to them.

How do they all make almost identical claims? It’s all in how they say it.

Insurance providers quote the lowest rates for a prospective insured that earns them the most money. One example of a profitable customer may need to be a married female, owns their home, and does not commute to work. Any person that meets those criteria will probably get the lowest car insurance rates and will also cut their rates substantially.

People who don’t qualify for those criteria will be quoted more expensive rates and ends up with the customer buying from a different company. The trick companies use is to say “people who switch” not “everybody who quotes” can save as much as they claim. This is how companies can truthfully advertise the savings. This really drives home the point why you really should compare many company’s rates. It’s just not possible to know with any certainty which company will provide the lowest prices.

What insurance coverages do you need?

Knowing the specifics of insurance aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Collision coverage protection

This coverage will pay to fix damage to your Ridgeline resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a building, colliding with a tree, damaging your car on a curb, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Ridgeline.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, hitting a bird and hail damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like doctor visits, hospital visits and funeral costs. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Coverage for liability

Liability insurance provides protection from damage or injury you incur to people or other property 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. You commonly see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like funeral expenses, repair costs for stationary objects and structural damage. 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.

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Save for a rainy day

We just covered a lot of tips how to shop for 2008 Honda Ridgeline insurance online. The key concept to understand is the more quotes you get, the better your comparison will be. Drivers may discover the best premium rates are with a smaller regional carrier.

Cheaper insurance can be sourced online and from local agencies, so you need to quote insurance with both to have the best chance of lowering rates. There are still a few companies who do not offer internet price quotes and many times these smaller providers prefer to sell through independent agents.

When shopping online for insurance, you should never buy poor coverage just to save money. In many instances, someone sacrificed liability coverage limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy the best coverage you can find for the lowest cost, but don’t skip important coverages to save money.

Other learning opportunities

• Steps to Take After an Auto Accident (Insurance Information Insitute)
• What is a Telematics Device? (Allstate)
• Vehicle Insurance in the U.S. (Wikipedia)
• Five Mistakes to Avoid (Insurance Information Insitute)

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