2006 Honda Ridgeline Insurance Quotes

Searching for cheaper auto insurance rates for your Honda Ridgeline? Nobody I know cherishes buying auto insurance, particularly when the price is too high.

There is such a variety of insurers to purchase coverage from, and although it’s a good thing to have a selection, having more car insurance companies makes it harder to compare rates.

The method we recommend to compare policy rates is to realize auto insurance companies actually pay money for the chance to give you rate quotes. To begin a comparison, all you need to do is provide the companies a bit of rating information including if a SR-22 is needed, your occupation, the type of vehicles you drive, and if you are currently licensed. That rating data gets transmitted to many of the top insurers and you will get price comparisons instantly to find the best rate.

Don’t pay full price with these discounts

Car insurance companies do not advertise all their discounts very well, so the following is a list of some of the more common and the more hidden ways to save on insurance coverage.

  • Service Members Pay Less – Having a family member in the military could mean lower rates.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy qualifies for this discount.
  • Clubs and Organizations – Belonging to a professional or civic organization may earn a discount on your policy for Ridgeline coverage.
  • Anti-theft Discount – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Own a Home – Simply owning a home may trigger a insurance coverage policy discount because owning a home is proof that your finances are in order.
  • Defensive Driver – Successfully completing a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Life Insurance Discount – Some companies give a break if you buy life insurance.
  • Sign Early and Save – A few companies offer discounts for switching policies before your current expiration date. It can save you around 10%.
  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more for Ridgeline coverage than their less cautious counterparts.
  • Sign Online – A few companies may give you up to $50 simply for signing on their website.

It’s important to understand that some credits don’t apply to the overall cost of the policy. Most only cut specific coverage prices like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way.

For a list of companies offering insurance coverage discounts, click here to view.

Factors that can influence Honda Ridgeline insurance rates

An important part of buying insurance is that you know some of the elements that go into determining your insurance rates. Knowing what influences your rates empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

  • Cautious drivers pay less – Your driving citation history has a huge affect on how much you pay. Good drivers get better rates than their less careful counterparts. Even a single moving violation can increase rates forty percent or more. Drivers who have dangerous citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
  • High deductibles save money – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your Honda from damage. Examples of covered claims could be a windshield shattered by a rock, damage from fire, and rolling your vehicle. Your deductibles are the amount of money you are required to spend out-of-pocket before your insurance pays a claim. The more expense you’re willing to pay, the less your insurance will be for Ridgeline coverage.
  • Lower rates with optional equipment – Purchasing a vehicle with a theft deterrent system can save you a little every year. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
  • Multiple policies with one company can save – Most insurance companies give discounts to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount you still need to comparison shop to confirm you are receiving the best rates possible. You may still be able to find better rates by insuring with multiple companies.

Your personal situation dictates your coverage

When choosing adequate coverage for your vehicles, there really is not a cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. These are some specific questions could help you determine whether or not you will benefit from professional help.

  • Do I really need UM/UIM coverage?
  • Will filing a claim cost me more?
  • Am I covered when driving a rental car?
  • When would I need additional glass coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Is my 2006 Honda Ridgeline covered for flood damage?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

The coverage is in the details

Learning about specific coverages of a car insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages offered by car insurance companies.

Liability car insurance – This coverage provides protection from damage that occurs to other’s property or people that is your fault. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like repair costs for stationary objects, medical expenses, funeral expenses and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2006 Honda Ridgeline.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like driving through your garage door, hitting a parking meter, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive car insurance – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like theft, vandalism, damage from a tornado or hurricane, damage from flooding and damage from getting keyed. The highest amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for expenses such as EMT expenses, rehabilitation expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Be a Smart Shopper

When shopping online for insurance coverage, you should never skimp on critical coverages to save a buck or two. There have been many situations where an insured cut liability coverage limits to discover at claim time they didn’t have enough coverage. The aim is to purchase plenty of coverage at a price you can afford.

Low-cost 2006 Honda Ridgeline insurance can be found on the web as well as from independent agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies don’t offer the ability to get a quote online and these smaller companies work with independent agents.

We covered some good ideas how you can reduce insurance prices online. It’s most important to understand that the more times you quote, the better your comparison will be. You may even find the best prices are with the least-expected company. Smaller companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate and Progressive.

Additional insurance coverage information can be found at the links below