2010 Honda Ridgeline Insurance Rates

Searching for cheaper insurance on the internet may seem to be difficult for consumers who are new to price shopping on the web. With literally dozens of companies in the marketplace, how can anyone even start to compare the different rates to find cheaper insurance rates?

Take policy discounts and save

Buying car insurance is not cheap, but there could be significant discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you purchase, but less common discounts must be asked about before being credited.

• Multi-Vehicle Discounts – Buying coverage for multiple vehicles with the same company qualifies for this discount.
• College Student Discount – Older children who attend college more than 100 miles from home and won’t have access to an insured vehicle can be insured at a reduced rate.
• Claim Free – Claim-free drivers get the best car insurance rates when compared to bad drivers.
• Good Grades Discount – Being a good student can get you a discount of up to 25%. Many companies even apply the discount to college students up to age 25.
• Discount for Multiple Policies – If you combine your auto and homeowners policies and insure them both with the same insurance company you could earn a discount of approximately 10% to 15%.
• Switch and Save Discount – Select car insurance companies give a discount for buying a policy prior to the expiration date on your current policy. This discount can save up to 10%.
• Fewer Miles Equal More Savings – Low mileage vehicles could earn slightly better rates than normal.
• Military Discounts – Being on active duty in the military can result in better premium rates.
• Theft Prevention System – Cars and trucks that have factory anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
• Discounts for Responsible Drivers – Insureds without accidents may receive a discount up to 45% on Ridgeline insurance compared to rates paid by drivers with frequent claims.

You should keep in mind that most discount credits are not given to the entire cost. A few only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, you aren’t that lucky.

Large car insurance companies and some of the discounts are:

• Geico may have discounts that include air bags, defensive driver, military active duty, federal employee, and anti-lock brakes.
• MetLife may include discounts for claim-free, multi-policy, accident-free, good driver, and defensive driver.
• State Farm offers discounts including student away at school, good driver, good student, defensive driving training, and Steer Clear safe driver discount.
• Progressive may offer discounts for multi-vehicle, continuous coverage, online quote discount, homeowner, and good student.
• Mercury Insurance has discounts for age of vehicle, anti-theft, good student, type of vehicle, good driver, location of vehicle, and ease of repair.
• 21st Century policyholders can earn discounts including defensive driver, air bags, anti-lock brakes, teen driver, good student, and 55 and older.
• Allstate has savings for senior citizen, FullPay discount, good payer, EZ pay plan discount, and premier plus.

If you are trying to find low cost insurance quotes, ask each company or agent which credits you are entitled to. Discounts may not apply to policyholders everywhere. To choose companies that can offer you the previously mentioned discounts, click here.

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How insurance companies calculate Honda Ridgeline insurance prices

Many things are used in the calculation when you get a price on insurance. Some of the criteria are obvious such as your driving history, but others are not quite as obvious such as whether you are married or your financial responsibility.

The items below are a few of the “ingredients” that factor into your rate level.

• Don’t skimp on liability protection – Liability insurance will protect you if ever a court rules you are at fault for causing damage or personal injury in an accident. It provides you with a defense in court to defend your case. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so do not cut corners here.
• Does car insurance cost less for women? – Statistics show that females tend to be a little less risky than males. However, this does not mean women are BETTER drivers than men. Women and men get in at-fault accidents at a similar rate, but guys cause more damage. They also get cited for more serious violations like driving under the influence (DUI).
• Where you live can impact costs – Residing in less populated areas has definite advantages when insuring your vehicles. Residents of big cities regularly have congested traffic and longer commutes to work. Lower population means a lower chance of having an accident.
• High coverage deductibles save money – The deductibles represent how much money the insured will be required to pay if a covered claim is submitted. Physical damage coverage, aka comp and collision, is used to repair damage to your car. Examples of some claims that would be covered would be collision with another vehicle, fire damage, and having a roll-over accident. The more damage repair cost you have to pay, the less your company will charge you for insurance on Ridgeline insurance.

Which policy gives me the best coverage?

When buying the right insurance coverage for your vehicles, there really is no cookie cutter policy. Every situation is different.

These are some specific questions could help you determine whether or not you might need an agent’s assistance.

• What is the ISO rating for a 2010 Honda Ridgeline?
• Does coverage extend to my business vehicle?
• Should I buy more coverage than the required minimum liability coverage?
• Does my medical payments coverage pay my health insurance deductible?
• Why am I required to get a high-risk car insurance policy?
• Am I covered when driving someone else’s vehicle?
• How much liability do I need to cover my assets?
• Can I still get insurance after a DUI?

If it’s difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, complete this form.

Educate yourself about insurance coverages

Knowing the specifics of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Honda Ridgeline.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.

Coverage for collisions

This pays for damage to your Ridgeline caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as scraping a guard rail, colliding with another moving vehicle, sustaining damage from a pot hole and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Auto liability insurance

This provides protection from damage or injury you incur to a person or their property by causing an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims like legal defense fees, emergency aid and medical services. How much coverage you buy is up to you, but you should buy as much as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like rehabilitation expenses, dental work, X-ray expenses, chiropractic care and doctor visits. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from 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 coverage protects against claims such as hitting a deer, damage from a tornado or hurricane, vandalism, damage from flooding and a broken windshield. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

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More choices the merrier

Throughout this article, we presented quite a bit of information on how to shop for 2010 Honda Ridgeline insurance online. The key concept to understand is the more you quote insurance, the higher your chance of finding low cost insurance. Drivers may discover the lowest prices come from a company that doesn’t do a lot of advertising.

When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, an insured dropped comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your objective should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Cheaper insurance is available both online in addition to local insurance agencies, so you need to shop insurance with both to have the best selection. A few companies don’t offer price quotes online and most of the time these smaller companies only sell through local independent agencies.

Helpful resources

• How to Avoid Staged Accidents (State Farm)
• Electronic Stability Control FAQ (iihs.org)
• Top Signs Your Brakes are Giving Out (State Farm)
• Information for Teen Drivers (Geico)
• Older Driver Statistics (Insurance Information Insitute)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)

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