2012 Honda Ridgeline Car Insurance Quotes

I can’t think of a single person who cherishes buying insurance coverage, especially when the cost is too high. There are many insurers to buy insurance from, and though it is a good thing to have a choice, it can be more challenging to adequately compare rates.

Auto Insurance Comparisons

Getting a lower price on 2012 Honda Ridgeline insurance is surprisingly easy. You just have to invest a few minutes to compare quotes from different insurance companies. This can be accomplished in a couple of different ways.

  1. One of the simplest ways to find low rates is an all-inclusive rate comparison like this one (opens in new window). This method prevents you from having to do repetitive form submissions for each company. Filling out one form gets you price quotes from auto insurance companies with the best prices.
  2. A slightly less efficient method to shop for auto insurance online is going to the website for every company you want to comare to complete a price quote. For examples sake, we’ll pretend you want to compare Nationwide, Liberty Mutual and Travelers. To find out each rate you need to take the time to go to each site and enter your policy data, which is why most consumers use the first method. To view a list of companies in your area, click here.
  3. The most time-consuming method to get comparison rates is driving to local insurance agencies. The internet makes this process obsolete unless you require the trained guidance only provided by licensed agents. Drivers can price shop online and still use a local agent.

Whichever method you choose, ensure you’re using identical coverage limits on every quote. If you compare different liability limits you will not be able to determine the lowest rate for your Honda Ridgeline.

These discounts can slash insurance coverage rates

Properly insuring your vehicles can get expensive, but you may find discounts that you may not know about. Some discounts apply automatically when you get a quote, but a few must be asked about before being credited. If you don’t get every credit possible, you are paying more than you should be.

  • Accident Free – Claim-free drivers pay much less as compared to accident-prone drivers.
  • Club Memberships – Belonging to a qualifying organization could qualify you for a break when buying insurance coverage for Ridgeline coverage.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Drivers Education – Require your teen driver to complete a driver education course in high school.
  • Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Discount for New Cars – Insuring a new car is cheaper due to better safety requirements for new cars.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for Ridgeline coverage than their less cautious counterparts.
  • Multiple Cars – Buying coverage for all your vehicles with the same company may reduce the rate for each vehicle.
  • Passive Restraints and Air Bags – Vehicles with factory air bags can get savings of more than 20%.
  • Defensive Driving Course – Taking a defensive driving course could possibly earn you a 5% discount depending on where you live.

It’s important to understand that most credits do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as comp or med pay. So when it seems like you can get free auto insurance, you won’t be that lucky. But any discount will cut your overall premium however.

Insurance companies that may have these benefits are:

Check with every prospective company what discounts are available to you. All car insurance discounts might not be offered in every state.

When might I need the advice of an agent?

When it comes to choosing proper insurance coverage, there really is no perfect coverage plan. Each situation is unique so your insurance needs to address that. For instance, these questions can help discover whether your personal situation may require specific advice.

  • How much underlying liability do I need for an umbrella policy?
  • I don’t drive much so do I pay less?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I rate my 2012 Honda Ridgeline as pleasure use or commute?
  • Can my teen driver be rated on a liability-only vehicle?
  • Which is better, split liability limits or combined limits?
  • Do I need replacement cost coverage on my 2012 Honda Ridgeline?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Honda Ridgeline insurance rates are influenced by…

Consumers need to have an understanding of the factors that play a part in calculating car insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that can help you get much lower annual insurance costs.

Shown below are some of the items that factor into your rates.

  • Where you live – Being located in small towns and rural areas has it’s advantages when insuring your vehicles. Fewer people translates into fewer accidents and a lower car theft rate. Drivers who live in large cities regularly have congested traffic and a longer drive to work. Higher commute times can result in more accidents.
  • Occupation reflects on rates – Did you know your job can affect your rates? Occupations like judges, executives and accountants have higher rates than average due to stressful work requirements and lots of time spent at work. On the flip side, professions such as pilots, athletes and performers get better rates for Ridgeline coverage.
  • Multi-policy discounts can save money – The majority of insurance companies will give a discount to insureds who buy several policies from them such as combining an auto and homeowners policy. This can amount to 10 percent or more. Even with this discount, you still need to comparison shop to verify if the discount is saving money. Consumers may find a better deal by splitting coverages up.
  • Higher deductibles cost less – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Honda from damage. A few examples of covered claims could be collision with another vehicle, vandalism, and windstorm damage. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket before your car insurance pays a claim. The more money you have to pay, the bigger discount you will receive for Ridgeline coverage.
  • High numbers of claims are not good – If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Insurance companies give better rates to insureds who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of larger claims.
  • Theft deterrents lower rates – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
  • Marriage pays dividends – Getting married can actually save you money on car insurance. Marriage is viewed as being more mature and it’s proven that married drivers get in fewer accidents.

Slick advertising tricks that work

Consumers can’t ignore all the ads for cheaper car insurance from companies such as Progressive, Geico, Allstate and State Farm. All the ads say the same thing about savings if you move your policy.

How do they all make almost identical claims?

Insurance companies have a preferred profile for the type of driver they prefer to insure. For example, a desirable insured could possibly be between the ages of 30 and 50, has no prior claims, and drives newer vehicles. A customer who matches those parameters will get very good rates and is almost guaranteed to save when switching.

Drivers who don’t qualify for this ideal profile will be charged higher rates and this can result in business not being written. The ads state “customers who switch” not “everybody who quotes” save that kind of money. That’s the way insurance companies can advertise the savings.

That is why drivers should get as many quotes as possible. It’s impossible to know the company that will have the lowest Honda Ridgeline insurance rates.

Learn about insurance coverages for a Honda Ridgeline

Understanding the coverages of insurance can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages available from insurance companies.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like vandalism, damage from getting keyed, hitting a bird and a broken windshield. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like ambulance fees, EMT expenses, rehabilitation expenses, pain medications and chiropractic care. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision protection

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

Collision can pay for things like scraping a guard rail, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Honda Ridgeline.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability coverage

This can cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as pain and suffering, medical expenses and legal defense fees. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Take this to the bank

As you shop your coverage around, it’s a bad idea to sacrifice coverage to reduce premiums. Too many times, drivers have reduced physical damage coverage only to regret at claim time that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at a price you can afford.

Cost effective 2012 Honda Ridgeline insurance can be found online as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who don’t offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

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