How Much Does 2017 Honda Ridgeline Car Insurance Cost?

Trying to find better insurance coverage rates for your Honda Ridgeline? Paying for pricey Honda Ridgeline insurance can sap your monthly budget and make it hard to pay other bills.

With so many insurance coverage companies to choose from, it is hard for the average consumer to find the most affordable insurance coverage provider.

The best way to get rate comparisons is to take advantage of the fact auto insurance companies participate in online systems to give rate comparisons. To get started, all you need to do is provide a little information like the type of vehicles you drive, if you have a valid license, whether or not you need a SR-22, and if the vehicle is leased. Your details is submitted instantly to multiple top-rated companies and you get price estimates very quickly.

To find lower rates now, click here and enter your coverage details.

Honda Ridgeline insurance premium factors

Many different elements are used when you get a price on insurance. A few of the factors are predictable such as your driving record, although others are less obvious such as your credit history or your financial responsibility.

  • Higher prices for specific jobs – Did you know your career choice can influence rates? Occupational choices like fire fighters, architects and dentists have higher premium rates in part from job stress and lots of time spent at work. Other careers such as scientists, students and homemakers have the lowest average rates on Ridgeline coverage.
  • Only buy coverage you need – There are a ton of optional add-on coverages that may not really be needed if you aren’t careful. Coverage for things like replacement cost coverage, accidental death, and extra equipment coverage are some examples. They may seem good initially, but your money might be better spent on other coverage so remove them and pocket the money.
  • How many coverages with the same company – Many insurers will give lower prices to clients who consolidate policies with them such as combining an auto and homeowners policy. The discount can be ten percent or more. Even if you’re getting this discount drivers will still want to compare other company rates to verify if the discount is saving money. Drivers may still save money by insuring with multiple companies.
  • Always keep your policy in force – Letting your insurance expire can be a quick way to increase your rates. Not only will you pay higher rates, failure to provide proof of insurance will get you a revoked license or a big fine.

Cheaper rates by applying discounts

Companies don’t always list their entire list of discounts very clearly, so we break down a few of the more common in addition to some of the lesser obvious insurance savings.

  • Telematics Devices – People who choose to allow data collection to study driving habits by using a telematic data system such as Progressive’s Snapshot could save a few bucks as long as the data is positive.
  • Military Deployment Discount – Having an actively deployed family member may qualify for rate reductions.
  • Good Students Pay Less – Being a good student can get you a discount of up to 25%. The good student discount can last until age 25.
  • 55 and Retired – Mature drivers could receive a discount up to 10% on Ridgeline coverage.
  • Discount for Multiple Policies – If you insure your home and vehicles with one company you could get a discount of 10% to 20% off each policy.
  • Good Driver Discounts – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Ridgeline coverage compared to rates paid by drivers with frequent claims.
  • Theft Prevention System – Vehicles that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Savings for New Vehicles – Adding a new car to your policy can be considerably cheaper due to better safety requirements for newer vehicles.
  • Professional Memberships – Participating in a professional or civic organization could qualify you for a break on your next renewal.

Don’t be shocked that some credits don’t apply to the entire cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, it’s just not the way it works.

Large insurance companies and the discounts they provide are:

  • 21st Century includes discounts for 55 and older, homeowners, air bags, theft prevention, student driver, automatic seat belts, and teen driver.
  • State Farm discounts include multiple autos, student away at school, accident-free, driver’s education, multiple policy, and anti-theft.
  • AAA has savings for pay-in-full, good driver, multi-policy, AAA membership discount, and education and occupation.
  • Liberty Mutual has discounts for hybrid vehicle, new graduate, good student, new vehicle discount, safety features, teen driver discount, and newly married.
  • Progressive policyholders can earn discounts including multi-policy, homeowner, multi-vehicle, online quote discount, good student, and continuous coverage.

When getting free car insurance quotes, it’s a good idea to each company or agent which discounts can lower your rates. Some discounts listed above might not be offered everywhere. To see a list of providers who offer discounts, follow this link.

Your insurance coverage coverage should be tailored to you

When it comes to buying proper insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions can aid in determining whether you will benefit from professional help.

  • Exactly who is provided coverage by my policy?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered if I wreck a rental car?
  • Does my medical payments coverage pay my health insurance deductible?
  • Does medical payments coverage apply to all occupants?
  • Am I covered when driving in Canada or Mexico?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Car insurance coverage basics

Learning about specific coverages of a car insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types available from car insurance companies.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like ambulance fees, X-ray expenses, doctor visits and nursing services. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Collision coverages – This coverage covers damage to your Ridgeline caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, colliding with a tree, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from flooding, hail damage, vandalism, falling objects and hitting a bird. The most a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverage – This coverage will cover damage or injury you incur to a person or their property. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like attorney fees, bail bonds and legal defense fees. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. 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. For this reason, having high UM/UIM coverages is important protection for you and your family.

One last thing about your coverage

Affordable 2017 Honda Ridgeline insurance is attainable both online and from local agencies, so you need to shop car insurance with both to get a complete price analysis. Some insurance companies may not provide the ability to get a quote online and many times these regional carriers only sell through independent agencies.

When shopping online for auto insurance, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where drivers have reduced liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible at the best price, but do not sacrifice coverage to save money.

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