How Much Does 2013 Honda Ridgeline Insurance Cost?

Drivers have options when trying to find affordable Honda Ridgeline insurance. They can either spend hours contacting agents to get rate comparisons or leverage the internet to make rate comparisons. There is a better way to buy car insurance and you need to know the quickest way to get price quotes for a new or used Honda and get the lowest price from local insurance agents and online providers.

It’s a great practice to get comparison quotes as often as possible because insurance prices fluctuate regularly. If you had the best deal on Ridgeline coverage last year you can probably find a lower rate today. You can search a lot of car insurance on the web, but you can learn some guaranteed methods to lower your car insurance premiums.

Are you qualifying for every discount?

Insurance is expensive, but there could be significant discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically at the time of quoting, but some must be asked about before you will receive the discount.

• No Claim Discounts – Good drivers with no accidents can save substantially as compared to insureds who have frequent claims or accidents.
• Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.
• Discounts for Cautious Drivers – Insureds who avoid accidents could pay up to 40% less on Ridgeline coverage than their less cautious counterparts.
• Air Bags and Passive Restraints – Factory air bags or automatic seat belts may qualify for discounts of 25 to 30%.
• Paper-free Discount – A handful of companies will discount your bill up to fifty bucks for buying your policy on your computer.
• Service Members Pay Less – Having an actively deployed family member could mean lower prices.
• Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course as it will make them better drivers and lower rates.

As is typical with insurance, most discounts do not apply to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Companies and their possible discounts are included below.

• 21st Century has savings for homeowners, 55 and older, air bags, early bird, automatic seat belts, theft prevention, and driver training.
• Progressive offers premium reductions for continuous coverage, online signing, multi-policy, homeowner, good student, multi-vehicle, and online quote discount.
• State Farm discounts include good student, Steer Clear safe driver discount, safe vehicle, multiple policy, and multiple autos.
• Nationwide policyholders can earn discounts including family plan, easy pay, multi-policy, good student, and defensive driving.
• Esurance offers discounts including good driver, Switch & Save, homeowner, anti-lock brakes, and emergency road assistance.
• The Hartford may include discounts for driver training, bundle, vehicle fuel type, good student, anti-theft, and defensive driver.

Before you buy a policy, ask each insurance company which discounts they offer. Some of the earlier mentioned discounts might not be offered on policies in your area. If you would like to see a list of insurance companies that have a full spectrum of discounts, click this link.

When in doubt talk to an agent

When buying proper insurance coverage, there really is no “perfect” insurance plan. Each situation is unique.

For instance, these questions might point out if your situation will benefit from professional help.

• What is UM/UIM insurance?
• Do I need motorclub coverage?
• Are my friends covered when driving my car?
• Do I need medical payments coverage since I have good health insurance?
• Should I have combined single limit or split liability limits?
• What is roadside assistance coverage?
• Is my teenager covered with friends in the car?
• How can I force my company to pay a claim?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Will I be non-renewed for getting a DUI or other conviction?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Auto insurance coverage basics

Having a good grasp of your auto insurance policy can help you determine the right coverages for your vehicles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like surgery, hospital visits and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Honda Ridgeline.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, fire damage, a tree branch falling on your vehicle and hitting a bird. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability insurance

Liability insurance provides protection from damage that occurs to a person or their property in an accident. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like legal defense fees, medical services, pain and suffering and loss of income. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision protection

Collision coverage covers damage to your Ridgeline caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a mailbox, sideswiping another vehicle, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Smart shoppers get results

As you quote insurance, you should never reduce coverage to reduce premium. There have been many situations where someone dropped collision coverage and found out when filing a claim they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage for the lowest price while still protecting your assets.

The cheapest 2013 Honda Ridgeline insurance is attainable on the web and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. A few companies may not offer online rate quotes and most of the time these small insurance companies work with independent agents.

We just presented quite a bit of information on how to get a better price on 2013 Honda Ridgeline insurance. The most important thing to understand is the more providers you compare, the better your chances of lowering your premium rates. You may be surprised to find that the lowest auto insurance rates come from some of the lesser-known companies.

Additional detailed information can be found in these articles:

• Understanding your Policy (NAIC.org)
• Bodily Injury Coverage (Liberty Mutual)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)