2011 Honda Ridgeline Car Insurance Cost – 8 Tips for Best Prices

Trying to find cheaper car insurance rates for your Honda Ridgeline? Car insurance shoppers not familiar with shopping for car insurance online are likely to discover locating low cost car insurance is very challenging.

How to find low cost insurance coverage

There are several ways to compare insurance coverage quotes, but there is one way that is less time-consuming than others. You could spend the better part of a day driving to insurance companies in your area, or you can utilize online quotes to maximize your effort.

Most of the best insurance companies belong to a marketplace where insurance shoppers enter their policy data once, and at least one company then gives them pricing. This saves time by eliminating repetitive form submissions to each company. To fill out one form to compare multiple rates now click here to start a free quote.

One minor caviat to getting quotes like this is that consumers can’t choose which carriers to get pricing from. If you prefer to choose specific providers to request quotes from, we have assembled a list of insurance coverage companies in your area. Click here to view list.

The approach you take is up to you, just compare exactly the same coverage limits for each comparison quote. If the quotes have different limits and deductibles on each one it will be very difficult to make an equal comparison. Just a small difference in insurance coverages may cause a big price difference. And when price shopping your coverage, comparing more company’s prices provides better odds of finding more affordable insurance. Some companies don’t provide prices over the internet, so it’s important to also get prices on coverage from those companies, too.

Cheaper car insurance rates with discounts

Car insurance can be pricey, but you might find some hidden discounts that you may not even know about. Some of these disounts will be visible when you get a quote, but a few must be asked for before you get the savings.

• Discounts for New Vehicles – Insuring a vehicle that is new can save you some money since newer vehicles have better safety ratings.
• Auto/Life Discount – Not all insurance companies offer life insurance, but some may give you a break if you buy auto and life insurance together.
• Senior Discount – Seniors can possibly qualify for lower premium rates on Ridgeline coverage.
• Service Members Pay Less – Having a deployed family member could be rewarded with lower rates.
• Student Driver Training – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education as it will make them better drivers and lower rates.
• Defensive Driver Discount – Taking time to complete a defensive driving class is a good idea and can lower rates and make you a better driver.
• Telematics Discount – Insureds that choose to allow data collection to study vehicle usage remotely such as Progressive’s Snapshot could possibly reduce rates if they have good driving habits.
• Distant Student Discount – Children who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.

Discounts save money, but please remember that some credits don’t apply to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. Even though it may seem like you could get a free car insurance policy, you’re out of luck. But all discounts should help reduce your overall premium however.

Car insurance companies that may include some of the above discounts may include but are not limited to:

• Farmers Insurance
• State Farm
• Liberty Mutual
• MetLife
• Progressive

When quoting, ask all the companies which discounts they offer. Some of the discounts discussed earlier may not be available in your area. To choose insurers who offer free car insurance quotes, follow this link.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

For example, these questions may help you determine whether you would benefit from professional advice.

• When should I drop full coverage on my 2011 Honda Ridgeline?
• Can I rate high risk drivers on liability-only vehicles?
• What is roadside assistance coverage?
• Is my vehicle covered by my employer’s policy when using it for work?
• Does coverage extend to a rental car in a foreign country?
• Is borrowed equipment or tools covered if stolen or damaged?
• Should I buy only the required minimum liability coverage?
• Is business equipment covered while in my vehicle?
• Do I need PIP (personal injury protection) coverage in my state?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Save $419 a year? Really?

Well-known car insurance companies like State Farm and Allstate endlessly run ads on television and other media. All the ads tend to make the same promise about saving some big amount after switching your car insurance policy to them. That’s great but how can every company claim to save you money? It’s all in the numbers.

Companies require specific criteria for a prospective insured that will not have excessive claims. An example of a profitable customer might be described as over the age of 35, has a clean driving record, and drives less than 7,500 miles a year. Any customer that matches those criteria may get the lowest auto insurance rates and is almost guaranteed to save when they switch companies.

Potential customers who don’t measure up to these standards will get higher rates and this results in the customer not purchasing. If you listen closely, the ads state “people who switch” but not “all drivers who get quotes” save that much when switching. That’s the way insurance companies can confidently make those statements.

This emphasizes why you should get car insurance quotes from several different companies. Because you never know which insurance companies will give you lower rates than your current company.

Learn about car insurance coverages for a 2011 Honda Ridgeline

Having a good grasp of your policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision coverage protection

Collision coverage covers damage to your Ridgeline caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as scraping a guard rail, colliding with a tree, damaging your car on a curb, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for expenses like X-ray expenses, funeral costs, ambulance fees, doctor visits and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive protection

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as falling objects, damage from getting keyed, a tree branch falling on your vehicle and hitting a deer. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Honda Ridgeline.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability coverages

This can cover damage that occurs to other people or property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, 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 and claims can be made without the split limit restrictions.

Liability can pay for things like structural damage, bail bonds, legal defense fees and pain and suffering. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Make a quick buck

As you prepare to switch companies, do not sacrifice coverage to reduce premiums. Too many times, someone sacrificed full coverage and discovered at claim time that it was a big error on their part. The goal is to purchase plenty of coverage at the best possible price.

Lower-priced auto insurance can be bought from both online companies as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some companies may not provide the ability to get a quote online and most of the time these regional insurance providers only sell coverage through independent insurance agencies.

You just read some good ideas how to lower your 2011 Honda Ridgeline insurance premium rates. The key concept to understand is the more providers you compare, the better your comparison will be. You may even discover the best premium rates are with a small local company.

Additional detailed information can be read by following these links:

• Avoiding Deer Collisions (Insurance Information Insitute)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Safety Belts FAQ (iihs.org)