Compare 2013 Honda Ridgeline Insurance Quotes

Searching for low-cost insurance for a new or used Honda Ridgeline can normally be a lot of work, but you can learn these tips to make it easier.

There are both good and bad ways to shop for car insurance so we’re going to tell you the quickest way to compare rates for a Honda and locate the cheapest rates either online or from local insurance agents.

Low Cost Car Insurance

Cutting your car insurance rates is not rocket science. Just spend a few minutes to get quotes provided by online insurance companies. This can be done in a couple of different ways.

The recommended way to find low rates would be an industry-wide quote request form (click to open form in new window). This form prevents you from having to do separate quotation requests for each company you want a rate for. One simple form gets you coverage quotes instantly. This is by far the quickest method.

A more difficult way to compare prices is to take the time to go to the website of each company and fill out their own quote form. For instance, we’ll assume you want comparison quotes from USAA, Geico and Liberty Mutual. To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why the first method is more popular. To view a list of companies in your area, click here.

The most time-consuming way of getting rate comparisons is to spend time driving to insurance agents’ offices. Shopping for car insurance online makes this process obsolete unless you prefer the personal advice only provided by licensed agents. Drivers can find lower rates online and still use a local agent. We’ll cover that shortly.

It’s your choice how you get your quotes, but double check that you are using exactly the same information on every quote. If you use higher or lower deductibles it will be next to impossible to truly determine the lowest rate.

Save $397 a year? Really?

Consumers get pounded daily by advertisements for car insurance savings by companies like Allstate and Progressive. All the ads make the same claim that you can save after switching to them.

But how can every company claim to save you money?

All the different companies have a certain “appetite” for the driver that is profitable for them. A good example of a preferred risk could be over the age of 50, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured who fits that profile is entitled to the best price and as a result will probably save a lot of money.

Potential customers who don’t measure up to these standards will have to pay higher rates and ends up with the customer not buying. The ad wording is “customers that switch” but not “drivers who get quotes” save that much. This is how companies can claim big savings.

Because of the profiling, it’s extremely important to get quotes from several different companies. You cannot predict which insurance companies will give you the biggest savings on Honda Ridgeline insurance.

Why your Honda Ridgeline insurance rates may be high

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for insurance. Knowing what controls the rates you pay enables informed choices that may reward you with much lower annual insurance costs.

  • Sex matters – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Both sexes are in accidents in similar percentages, but the male of the species cause more damage. Men also tend to get more serious tickets like DUI and reckless driving. Youthful male drivers are the most expensive to insure and therefore are the most expensive to insure.
  • Policy add-ons can waste money – There are a lot of extra bells and whistles you can purchase when buying insurance. Coverages like personal injury protection, better glass coverage and motor club memberships may be wasting your money. They may seem good initially, but if you don’t need them get rid of them and save.
  • Safer occupants lowers premiums – Vehicles with high crash test scores get lower rates. These vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company and lower rates for you. If your Honda is rated at least four stars on Safercar.gov you may qualify for a discount.
  • Your car’s features help determine rates – Purchasing a vehicle with a theft deterrent system can help lower your rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.

These discounts can lower your rates

Insurance can be prohibitively expensive, but you may find discounts to help offset the cost. A few discounts will automatically apply at the time of purchase, but some must be manually applied prior to getting the savings. If you’re not getting every credit possible, you are throwing money away.

  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Good Student – Performing well in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on Ridgeline coverage than drivers with accidents.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt could save 15% off your PIP or medical payments premium.
  • Sign Online – A few companies will give a small break just for signing your application on their website.
  • Homeowners Savings – Owning a home can help you save on insurance because maintaining a house demonstrates responsibility.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.

It’s important to understand that most discount credits are not given to the entire cost. Most only cut individual premiums such as comprehensive or collision. So when it seems like you could get a free insurance policy, it doesn’t quite work that way. But all discounts will help reduce your overall premium however.

For a list of insurance companies who offer insurance discounts, click here to view.

Different people need different coverages

When choosing coverage, there really is no cookie cutter policy. Every situation is different.

For instance, these questions may help highlight whether or not you might need professional guidance.

  • Is my Honda Ridgeline covered if I use it for business?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does insurance cover tools stolen from my truck?
  • How can I find cheaper teen driver insurance?
  • What can I do if my company denied a claim?
  • Am I covered if I break a side mirror?
  • What are the financial responsibility laws in my state?
  • How can I get my company to pay me more for my totalled car?
  • What companies insure drivers after a DUI or DWI?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specific coverages for a Honda Ridgeline

Learning about specific coverages of car insurance can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for EMT expenses, dental work, doctor visits, rehabilitation expenses and surgery. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive car insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like vandalism, hitting a deer, fire damage, damage from flooding and damage from a tornado or hurricane. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Ridgeline.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for collisions

Collision coverage covers damage to your Ridgeline from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sideswiping another vehicle, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Coverage for liability

This will cover damage that occurs to other people or property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t 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 commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like court costs, emergency aid, medical expenses, repair costs for stationary objects and medical services. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Be Smart and Buy Smart

People change insurance companies for many reasons like not issuing a premium refund, questionable increases in premium, policy cancellation or even delays in responding to claim requests. It doesn’t matter why you want to switch switching companies is not as hard as you think.

When you buy insurance online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped liability coverage limits and learned later they didn’t have enough coverage. Your focus should be to buy the best coverage you can find at the best price.

We’ve covered a lot of information how to shop for 2013 Honda Ridgeline insurance online. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding lower rates. Consumers may even find the most savings is with some of the smallest insurance companies.

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