Cheaper 2018 Honda Ridgeline Insurance Rates

Want the cheapest car insurance rates for your Honda Ridgeline? Are you sick and tired of not being able to afford to pay car insurance each month? You are in the same boat as the majority of other drivers.

Many insurance companies compete for your business, so it can be very hard to choose a company and uncover the absolute best rates possible.

If you currently have car insurance, you will be able to cut costs considerably using this information. Finding affordable coverage is easy if you know what you’re doing. But consumers do need to know the way insurance companies price online insurance and use this information to your advantage.

How to compare insurance coverage rate quotes

There are several ways to compare quotes from many insurance coverage companies in your state. The best way to comparison shop consists of obtaining rate quotes online. This can be done in a couple of different ways.

The easiest and least time consuming way to get quotes for comparison is a comparison rater form like this one (opens in new window). This form saves time by eliminating repetitive form entry for each company you want a rate for. A single form gets coverage cost estimates from insurance coverage companies with the best prices.

A different way to find more affordable insurance consists of going to the website for each individual company to complete their respective quote request forms. For instance, we’ll pretend you are doing a rate comparison from Liberty Mutual, Esurance and Allstate. You would have to go to every website and type in your information over and over, which is why most consumers use the first method.

For a handy list of car insurance company links in your area, click here.

The least efficient and most time consuming way to compare rates is calling or driving to insurance agents’ offices. Comparing rates online eliminates the need for an insurance agent unless you have a complicated situation and need the professional guidance that only a licensed agent can provide. Although you can get the lowest quotes online and still use a local agent.

The approach you take is up to you, just do your best to use the same information on every quote. If the quotes have different deductibles you will not be able to determine the best price for your Honda Ridgeline. Just a small difference in insurance coverages can mean a large discrepancy in price. It’s important to know that comparing a large number of companies will increase your chances of finding the best offered rates. Not every company provides online rate quotes, so it’s important to also get quotes from them as well.

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Earn discounts to get lower-cost auto insurance quotes

Properly insuring your vehicles can get expensive, but there could be available discounts to help bring down the price. Certain discounts will be triggered automatically at the time of purchase, but some must be inquired about before they will apply.

• Payment Discounts – By paying your entire bill at once rather than paying in monthly installments you may reduce your total bill.
• Save with More Vehicles Insured – Having multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
• Government Employee Discount – Active or former government employment can earn a discount up to 10% on Ridgeline insurance with some auto insurance companies.
• Early Signing – Some companies give discounts for buying a new policy before your current expiration date. You can save around 10% with this discount.
• Senior Citizen Rates – If you qualify as a senior citizen, you could receive a small discount on rates on Ridgeline insurance.
• Safety Course Discount – Taking part in a course teaching defensive driver skills is a good idea and can lower rates and easily recoup the cost of the course.
• Seat Belt Discounts – Forcing all vehicle occupants to use a seat belt can save up to 10 percent (depending on the company) off the personal injury premium cost.
• Discount for Passive Restraints – Vehicles equipped with air bags can qualify for discounts of 20% or more.

We need to note that many deductions do not apply to the entire cost. Some only reduce the price of certain insurance coverages like comp or med pay. So even though you would think you could get a free auto insurance policy, auto insurance companies aren’t that generous.

A few of the larger companies and some of their more popular discounts are outlined below.

• Geico offers discounts including defensive driver, membership and employees, five-year accident-free, emergency military deployment, and federal employee.
• MetLife offers premium reductions for claim-free, accident-free, good driver, defensive driver, and good student.
• State Farm includes discounts for good student, defensive driving training, good driver, safe vehicle, multiple policy, and Drive Safe & Save.
• Progressive has discounts for multi-vehicle, online signing, good student, online quote discount, and multi-policy.
• Mercury Insurance offers discounts for annual mileage, type of vehicle, multi-car, multi-policy, professional/association, age of vehicle, and location of vehicle.
• 21st Century has savings for good student, homeowners, air bags, defensive driver, student driver, early bird, and automatic seat belts.
• Allstate may offer discounts for safe driver, utility vehicle, good payer, 55 and retired, and anti-theft.

Double check with every insurance company to apply every possible discount. Depending on the company, some discounts might not be available to policyholders in your state.

Tailor your insurance coverage to you

When buying proper insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your insurance needs will benefit from professional help.

• Does my 2018 Honda Ridgeline need full coverage?
• Do I need to file an SR-22 for a DUI in my state?
• Am I better off with higher deductibles on my 2018 Honda Ridgeline?
• How does medical payments coverage work?
• When does my teenage driver need to be added to my policy?
• What is the rate difference between pleasure use and commuting?
• Is my custom paint covered by insurance?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Learn how to lower your insurance prices

An important part of buying insurance is that you know some of the elements that help calculate the price you pay for insurance coverage. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that could help you find lower rates. Many things are considered when quoting car insurance. Some factors are common sense like a motor vehicle report, but some are less obvious like your continuous coverage or how financially stable you are.

Listed below are some of the major factors used by your company to calculate your prices.

• Frequent claims increase insurance coverage rates – Companies award better rates to drivers who are claim-free. If you’re an insured who likes to file claims you can definitely plan on either higher rates or even cancellation. Your car insurance is designed for claims that you cannot pay yourself.
• Use one insurance company and save – Many companies allow a discount to buyers who carry more than one policy, otherwise known as a multi-policy discount. Discounts can be ten percent or more. Even if you’re getting this discount consumers should still check prices from other companies to help guarantee you have the best rates.There is a good possibility that you can save even more than the discount by buying insurance coverage from a different company.
• Don’t let your coverage lapse – Not maintaining insurance is a big no-no and you will pay a penalty because you let your insurance expire. In addition to paying higher premiums, the inability to provide proof of insurance might get you a revoked license or a big fine. You may then be required to submit proof of financial responsibility or a SR-22 with your state DMV.
• Driving citations cost more than a fine – Drivers with clean records have lower premiums as compared to careless drivers. Only having one speeding ticket may cause rates to rise by twenty percent. Drivers unfortunate enough to have multiple violations such as DUI, reckless driving or excessive speeding may face state-mandated requirements to submit a SR-22 form with their state’s licensing department in order to drive a vehicle legally.
• Drive less and pay lower prices – The more miles you rack up on your Honda annually the higher your rates will be. Most companies calculate prices based upon how you use the vehicle. Autos that have low annual miles receive lower rates than those that get driven frequently. It’s always a good idea to double check that your policy is showing the right rating data. An incorrectly rated Ridgeline is just wasting money.
• Teenage drivers pay more – More experienced drivers have been proven to be more responsible, cost insurance companies less in claims and get fewer tickets.Young drivers have a tendency to get distracted easily when driving with friends therefore insurance coverage rates are much higher.
• Cheaper insurance coverage rates with safer cars – Vehicles that have high safety ratings can get you lower premiums. Vehicles built for safety help reduce the chance of injuries in an accident and fewer injuries translates into savings for insurance companies and thus lower rates.
• Low credit rating equals high rates – Your credit rating is a big factor in determining what you pay for insurance coverage. Consumers who have high credit scores tend to be better risks to insure as compared to drivers with bad credit. If your credit can be improved, you could save money insuring your 2018 Honda Ridgeline by repairing your credit.

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Be skeptical of auto insurance ads

Big name companies like Geico, State Farm and Progressive seem to constantly run television, radio, and online ads. They all seem to say the same thing about savings just by switching your coverage to them. Is it even possible that every company can charge less that you’re paying now? Just pay attention to how they say it.

Most companies have specific characteristics for a prospective insured that will most likely be profitable. For instance, this type of risk profile should be between 25 and 40, has never had a claim, and drives newer vehicles. Any new insured who meets those qualifications will probably get the lowest prices as well as save when switching.

Potential customers who cannot meet those standards will see a higher premium and this can result in the customer buying from someone else. If you listen closely, the ads state “customers who switch” not “all people who quote” can get the lowest rates when switching. That’s why insurance companies can confidently make those claims. Different companies use different criteria so drivers must get a wide range of price quotes. It’s impossible to know which insurance companies will have the best premium rates at this point in time.

What insurance coverages do you need?

Knowing the specifics of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types available from insurance companies.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Honda Ridgeline.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision – Collision coverage pays for damage to your Ridgeline from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as sideswiping another vehicle, scraping a guard rail, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like X-ray expenses, rehabilitation expenses, doctor visits and ambulance fees. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Auto liability – This coverage protects you from damage that occurs to other’s property or people. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things like repair bills for other people’s vehicles, funeral expenses and structural damage. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, damage from flooding, theft and hail damage. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Final thoughts

When trying to cut insurance costs, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice liability limits or collision coverage only to discover later that the savings was not a smart move. Your objective should be to get the best coverage possible at an affordable rate and still be able to protect your assets.

The cheapest 2018 Honda Ridgeline insurance is definitely available both online and from local agencies, so get free car insurance quotes from both of them to have the best rate selection. Some insurance providers may not have online rate quotes and many times these small, regional companies prefer to sell through independent insurance agents.

Helpful articles

• Safe Vehicles for Teens (iihs.org)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Understanding Limits and Deductibles (Allstate)
• Learn About Car Insurance (Geico)
• Teen Driving Statistics (Geico)

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