2006 Honda Ridgeline Car Insurance Rates – 10 Tricks for Best Quotes

Shoppers have many options when shopping for the lowest priced Honda Ridgeline insurance. You can either spend your time contacting agents to compare prices or utilize the internet to make rate comparisons.

There are more efficient ways to shop for car insurance and we’ll show you the quickest way to price shop coverage for a new or used Honda and obtain the lowest possible price from both online companies and local agents.

It’s smart to check car insurance prices on a regular basis because prices are usually higher with each renewal. Just because you had the best quotes on Ridgeline coverage a few years ago you can probably find a better rate now. Forget anything you know (or think you know) about car insurance because I’m going to teach you the best methods to reduce your cost while increasing coverage.

Finding insurance

Many insurance companies such as Allstate and Progressive provide insurance quotes on their websites. Obtaining pricing doesn’t take a lot of time as you just enter the coverage amounts you desire on the page. Once entered, their quoting system collects your credit score and driving record and generates a price based on the data you entered.

This simplifies rate comparisons, but the time required to go to multiple sites and type in the same information can be a bit tiresome and repetitive. But it’s necessary to perform this step if you want to get better prices.

A more efficient way to find cheaper rates uses just one form to get prices from several companies at one time. It’s a real time-saver, eliminates form submissions, and makes quoting online much more enjoyable. As soon as you send your information, it is quoted and you can select your choice of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The entire process takes less than 15 minutes and can result in significant savings.

To save time and fill out one form to compare multiple rates now, click here and input your coverage information. If you have your current policy handy, we recommend you replicate coverages and limits as shown on your current policy. This ensures you’re receiving comparison quotes for similar insurance coverage.

Affordable insurance rates with discounts

Companies that sell car insurance don’t always list all available discounts very well, so the list below details both well-publicized as well as some of the hidden discounts that may be available. If you do not double check each discount available, you could be paying more than you need to.

• Discount for Passive Restraints – Vehicles with factory air bags or motorized seat belts can receive discounts of up to 25% or more.
• Payment Discounts – If you can afford to pay the entire bill rather than spreading payments over time you may reduce your total bill.
• Drive Safe and Save – Insureds who avoid accidents can save up to 40% or more on their insurance coverage quote on Ridgeline coverage compared to rates paid by drivers with frequent claims.
• Discount for Multiple Policies – If you have multiple policies and place coverage with the same company you will save as much as 10 to 15 percent.
• Save with a New Car – Insuring a vehicle that is new can cost up to 25% less since new model year vehicles are generally safer.
• Theft Deterent Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
• No Charge for an Accident – This one isn’t a discount, but certain companies will let one accident slide without raising rates as long as you don’t have any claims before the accident.
• Accident Free – Drivers with accident-free driving histories can earn big discounts compared to frequent claim filers.
• College Student – College-age children who are attending college and do not take a car to college may qualify for this discount.
• Telematics Data Discounts – Policyholders that allow their insurance company to scrutinize their driving habits by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if their driving habits are good.

As is typical with insurance, most discount credits are not given to the entire policy premium. A few only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like you could get a free insurance policy, companies wouldn’t make money that way.

Popular insurance companies and their possible discounts can be found below.

• Progressive offers discounts for good student, online quote discount, homeowner, multi-vehicle, online signing, continuous coverage, and multi-policy.
• The Hartford may offer discounts for anti-theft, air bag, good student, vehicle fuel type, and defensive driver.
• Mercury Insurance discounts include age of vehicle, good driver, type of vehicle, multi-policy, multi-car, annual mileage, and professional/association.
• Geico has discounts for anti-theft, anti-lock brakes, military active duty, emergency military deployment, federal employee, five-year accident-free, and membership and employees.
• AAA policyholders can earn discounts including good driver, multi-car, education and occupation, AAA membership discount, and pay-in-full.
• State Farm may include discounts for passive restraint, anti-theft, defensive driving training, Drive Safe & Save, and multiple autos.

When quoting, ask every prospective company to apply every possible discount. Some of the earlier mentioned discounts might not apply in your area. To choose insurance companies who offer discounts, click this link.

Tailor your insurance coverage to you

When it comes to buying coverage for your vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions may help highlight if your situation could use an agent’s help.

• Should I have a commercial auto policy?
• Do I have coverage when using my vehicle for my home business?
• Why is insurance for a teen driver so high?
• Why am I required to get a high-risk car insurance policy?
• Should I put collision coverage on all my vehicles?
• Am I covered if I drive in a foreign country?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Educate yourself about auto insurance coverages

Understanding the coverages of auto insurance aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Auto collision coverage

This pays for damage to your Ridgeline caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a mailbox, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage

This gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2006 Honda Ridgeline.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.

Liability

Liability insurance protects you from injuries or damage you cause to a person or their property in an accident. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things like repair costs for stationary objects, emergency aid and legal defense fees. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Coverage for medical payments

Med pay and PIP coverage pay for expenses for things like rehabilitation expenses, funeral costs, EMT expenses and doctor visits. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Comprehensive coverages

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, a tree branch falling on your vehicle, hitting a deer and rock chips in glass. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Save for a rainy day

When getting insurance coverage quotes online, it’s not a good idea to buy poor coverage just to save money. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to regret they didn’t purchase enough coverage. The proper strategy is to find the BEST coverage at the lowest possible cost while not skimping on critical coverages.

The cheapest 2006 Honda Ridgeline insurance is definitely available on the web and from local agencies, and you should compare price quotes from both to get a complete price analysis. Some insurance companies don’t offer online quoting and these regional carriers work with independent agencies.

In this article, we presented a lot of information how to compare 2006 Honda Ridgeline insurance premium rates online. The key thing to remember is the more times you quote, the better likelihood of getting low cost insurance coverage. You may be surprised to find that the lowest priced auto insurance comes from a small mutual company.

Other information

• Red Light Cameras (State Farm)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)