2012 Honda Ridgeline Car Insurance Quotes – 8 Savings Tips

Want cheaper insurance coverage rates for your Honda Ridgeline? I can’t think of anyone who enjoys paying for insurance coverage, especially when their premiums are too high.

Big-name insurance companies like Geico, Progressive and Allstate constantly blast consumers with ads and it can be hard to see past the geckos and flying pigs and do the work needed to find the best deal.

If you have car insurance now, you will most likely be able to lower your premiums substantially using this information. Choosing the best insurance company for you is not that difficult. Nevertheless, car owners need to have an understanding of the way insurance companies price online insurance because it can help you find the best coverage.

Buy car insurance online

All the larger car insurance companies provide coverage price quotes from their websites. Comparing rates online is pretty easy as you simply enter your personal and coverage information on the page. Behind the scenes, the system will obtain your credit score and driving record and returns pricing information based on these and other factors. This helps simplify price comparisons, but the time required to go to each company’s website and repetitively enter the same data into a form can be a bit tiresome and repetitive. But it’s necessary to get many rate quotes if you want to get the lowest possible prices on car insurance.

A more efficient way to find lower prices is to use a quote form to get prices from many companies. The form is fast, helps eliminate reptitive entry, and makes price shopping online a lot less work. After sending your information, it gets priced and you can choose any or none of the pricing results. If a lower price is quoted, you simply finish the application and buy the policy. This process only takes a few minutes and you’ll know if lower rates are available.

If you want to find out what other companies charge, click here and fill out the form. If you have a policy now, it’s recommended you input as shown on your current policy. This way, you will get a rate comparison based on the exact same insurance coverage.

Save $447 a year. For real?

Insurance providers like Geico, State Farm and Progressive consistently run ads in print and on television. All the companies advertise the message that people will save if you switch to them. How is it possible that every company can save you money? This is how they do it.

Insurance providers are able to cherry pick for a prospective insured that makes them money. For instance, a profitable insured could possibly be a mature driver, has no driving citations, and drives newer vehicles. Anybody that fits those parameters will qualify for the lowest prices as well as save a lot if they switch.

Consumers who don’t meet those standards may be required to pay higher premium rates and this results in the prospect going elsewhere. The wording the ads use say “drivers who switch” not “everybody who quotes” save money. This is how insurance companies can confidently make claims like that. Because every company is different, you should compare many company’s car insurance rates. It is just not possible to predict with any certainty which company will provide you with the cheapest rates.

Take advantage of these eight discounts

The price of auto insurance can be rather high, but there could be available discounts that may help make it more affordable. Certain discounts will be triggered automatically at the time of purchase, but a few must be asked for before they will apply. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

• Anti-lock Brake Discount – Vehicles with ABS braking systems or traction control can avoid accidents and earn discounts up to 10%.
• Early Signing – Select companies give a discount for buying a policy before your current expiration date. You can save around 10% with this discount.
• Discount for Life Insurance – Larger insurance companies have a small discount if you purchase a life policy as well.
• Safety Course Discount – Successfully completing a driver safety course may get you a small discount and make you a better driver.
• Payment Method – If you pay your bill all at once instead of paying each month you can actually save on your bill.
• Low Mileage – Driving fewer miles could earn discounted insurancerates on garaged vehicles.
• Driving Data Discount – People who choose to allow their insurance company to monitor where and when they drive by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm might get better premium rates as long as the data is positive.
• Homeowners Savings – Just being a homeowner may earn you a small savings since home ownership is proof of financial responsibility.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like all the discounts add up to a free policy, it’s just not the way it works.

Companies and a selection of discounts are included below.

• Mercury Insurance offers premium reductions for good driver, multi-policy, ease of repair, annual mileage, low natural disaster claims, location of vehicle, and type of vehicle.
• Farmers Insurance has discounts for homeowner, early shopping, multi-car, teen driver, electronic funds transfer, and mature driver.
• Farm Bureau has savings for good student, safe driver, multi-vehicle, renewal discount, and youthful driver.
• State Farm discounts include Drive Safe & Save, Steer Clear safe driver discount, passive restraint, good student, student away at school, and multiple policy.
• Allstate offers discounts for 55 and retired, eSmart discount, resident student, economy car, utility vehicle, farm vehicle, and teenSMART discount.
• Geico offers discounts including defensive driver, anti-lock brakes, military active duty, air bags, membership and employees, multi-policy, and driver training.

Before buying, ask each insurance company which discounts can lower your rates. Some of the earlier mentioned discounts might not be offered in your area.

Special considerations

When choosing the right insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your insurance needs might need an agent’s assistance.

• Does coverage extend to a rental car in a foreign country?
• Is business equipment covered while in my vehicle?
• Am I covered if I wreck a rental car?
• Does coverage extend to my business vehicle?
• Am I insured when driving a different vehicle?
• Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Car insurance 101

Learning about specific coverages of your policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages found on most insurance policies.

Liability coverage

This provides protection from damages or injuries you inflict on people or other property. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has 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 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like repair costs for stationary objects, structural damage, loss of income, legal defense fees and pain and suffering. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Comprehensive (Other than Collision)

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, hail damage and rock chips in glass. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance

Med pay and PIP coverage pay for short-term medical expenses for ambulance fees, chiropractic care, surgery and EMT expenses. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers

This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Honda Ridgeline.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision protection

This pays for damage to your Ridgeline resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with another moving vehicle, crashing into a ditch, rolling your car, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Find Good Coverage for Less

In this article, we covered quite a bit of information on how to reduce 2012 Honda Ridgeline insurance car insurance rates online. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced insurance coverage comes from a smaller regional carrier. Some small companies may only write in your state and offer lower premium rates compared to the large companies like Allstate or State Farm.

Cost effective 2012 Honda Ridgeline insurance is definitely available both online as well as from insurance agents, so you need to shop insurance coverage with both in order to have the best price selection to choose from. There are still a few companies who do not offer rate quotes online and these small insurance companies work with independent insurance agents.

Helpful learning opportunities

• Teen Driving and Texting (State Farm)
• Tread Depth and Tire Safety (State Farm)
• A Tree Fell on Your Car: Now What? (Allstate)
• Medical Payments Coverage (Liberty Mutual)