Save on 2013 Honda Ridgeline Car Insurance Cost

Searching for lower insurance coverage rates for your Honda Ridgeline? Frustrated by the number of insurance coverage choices that you can choose from? Many other drivers are too. Vehicle owners have such a large number of options that it can really be a real challenge to lower your insurance coverage rates.

It’s a good idea to take a look at other company’s rates at least once a year due to the fact that insurance prices are constantly changing. Just because you found the best rate for Ridgeline coverage a few years ago the chances are good that you can find a lower premium rate today. There is a lot of bad advice regarding insurance coverage on the internet, but in just a couple of minutes you can learn the best ways to stop overpaying for insurance.

If you currently have car insurance, you should be able to lower your premiums substantially using these tips. Buying affordable car insurance coverage can be fairly easy. But vehicle owners do need to learn how big insurance companies market on the web because it can help you find the best coverage.

Which car insurance is cheapest?

Most companies provide pricing directly from their websites. Comparing prices online is very simple because you just enter your personal and coverage information into a form. After you complete the form, their quoting system automatically orders your driving and credit reports and returns pricing information.

This makes it simple to compare prices but having to visit each company’s website and repetitively type in your information can be a bit repetitive. But it is imperative to perform this step in order to find lower prices.

There is an easier way!

A quicker way to locate the lowest prices utilizes a single form that gets prices from many companies. It’s a real time-saver, eliminates form submissions, and makes comparison shopping much simpler. Once the form is submitted, your coverage is rated with multiple companies and you can pick your choice of the quotes that you receive. If you find a better price you can simply submit the application and buy the new coverage. The entire process takes 15 minutes at the most and could lower your rates considerably.

To compare rates using this form now, click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you input the coverage information exactly as they are listed on your policy. This helps ensure you will have comparison quotes using the exact same coverages.

Cheaper rates with discounts

Auto insurance is not inexpensive, but you may qualify for discounts that can help lower your rates. Most are applied when you quote, but some discounts are required to be inquired about before being credited.

  • No Accidents – Claim-free drivers pay less as compared to frequent claim filers.
  • Early Payment Discounts – If you can afford to pay the entire bill instead of making monthly payments you can actually save on your bill.
  • Smart Student Discounts – Being a good student can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Drive Less and Save – Fewer annual miles on your Honda could be rewarded with lower prices due to less chance of an accident.
  • Save with More Vehicles Insured – Buying a policy with multiple cars or trucks on the same auto insurance policy can get a discount on all vehicles.
  • Good Driver Discounts – Accident-free drivers can save up to 40% or more on their car insurance quote for Ridgeline coverage than their less cautious counterparts.
  • Membership in Organizations – Joining a civic or occupational organization is a simple method to lower premiums on your bill.

We need to note that many deductions do not apply to the entire policy premium. Some only apply to specific coverage prices like comp or med pay. If you do the math and it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

Companies and some of their more popular discounts are detailed below.

  • State Farm may include discounts for multiple policy, safe vehicle, passive restraint, Steer Clear safe driver discount, good driver, and good student.
  • Geico has discounts for air bags, five-year accident-free, anti-theft, multi-vehicle, emergency military deployment, good student, and multi-policy.
  • Allstate policyholders can earn discounts including FullPay discount, utility vehicle, passive restraint, economy car, good payer, and senior citizen.
  • SAFECO may offer discounts for homeowner, multi-car, anti-lock brakes, accident prevention training, teen safety rewards, drive less, and safe driver.
  • Farm Bureau offers discounts including youthful driver, good student, multi-vehicle, multi-policy, 55 and retired, safe driver, and renewal discount.
  • Progressive has savings for homeowner, online quote discount, continuous coverage, good student, and multi-policy.
  • AAA discounts include education and occupation, multi-policy, pay-in-full, good driver, multi-car, good student, and anti-theft.

If you need affordable car insurance quotes, ask all the companies the best way to save money. Some credits might not be available to policyholders in your area. To choose auto insurance companies with the best discounts, click here.

What is the best auto insurance coverage?

When buying the right insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions could help you determine if your insurance needs could use an agent’s help.

  • What is high-risk coverage and where do I buy it?
  • What if I don’t agree with a claim settlement offer?
  • Do I really need UM/UIM coverage?
  • Does my insurance cover a custom paint job?
  • What is roadside assistance coverage?
  • Is my cargo covered for damage or theft?
  • Do I need PIP coverage since I have good health insurance?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form.

Why your insurance costs might be higher

Lots of factors are used in the calculation when premium rates are determined. A few of the factors are predictable such as your driving history, but some are not quite as obvious such as your marital status and annual miles driven.A large part of saving on auto insurance is knowing a few of the rating criteria that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively positively or negatively impacts your premiums, this enables informed choices that may result in much lower annual insurance costs.

The following are some of the most common factors that factor into premiums.

  • Less chance of injury means lower prices – Safer cars can get you lower premiums. Vehicles built for safety have better occupant injury protection and any reduction in injury severity means your insurance company pays less and lower rates for you. If the Honda Ridgeline is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
  • Drive less and pay lower prices – Driving a lot of miles each year the higher your rates will be. A lot of insurance companies rate vehicles based upon how you use the vehicle. Cars and trucks used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. It’s a smart idea to ensure your auto insurance coverage reflects the right rating data. Having the wrong rating on your Ridgeline may be wasting your money.
  • Pay less if you’re married – Having a wife or husband may save some money compared to being single. Having a significant other demonstrates that you tend to be more mature and it’s proven that married drivers get in fewer accidents.
  • Better drivers pay lower costs – Your driving record has a big impact on rates. Drivers who don’t get tickets have lower premiums than bad drivers. Getting just one speeding ticket or other violation can increase the cost of insurance by twenty percent. Drivers who have careless violations like DUI, reckless driving or excessive speeding may find they need to prove financial responsibility with their state in order to legally drive a vehicle.
  • Bundle policies and save money – Many auto insurance companies apply a discount to people who consolidate policies with them, otherwise known as a multi-policy discount. Even if you qualify for this discount already, it’s in your best interest to compare other insurance prices to help guarantee you have the best rates.
  • Why do you need liability insurance? – Your policy’s liability coverage provides coverage if a court rules you are at fault for personal injury or accident damage. Your liability coverage provides legal defense which can cost thousands of dollars. This coverage is relatively inexpensive when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
  • Responsible credit saves on auto insurance – An insured’s credit score will be a significant factor in determining your rates. So if your credit rating can be improved, you could be paying less to insure your 2013 Honda Ridgeline if you improve your credit rating. Drivers who have excellent credit scores tend to be better drivers and file fewer claims than drivers who have poor credit scores.
  • A lcoverage lapse is a bad thing – Driving any period of time without insurance is illegal and auto insurance companies will penalize you for letting your coverage have a gap. In addition to paying higher premiums, failure to provide proof of insurance could earn you fines and jail time. You will then be forced to file a SR-22 with your state DMV.

Car insurance coverage breakdown

Learning about specific coverages of car insurance can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Liability coverages – Liability insurance will cover damage or injury you incur to other’s property or people in an accident. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like attorney fees, medical services, emergency aid, legal defense fees and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like prosthetic devices, rehabilitation expenses and dental work. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision – Collision insurance covers damage to your Ridgeline resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like colliding with a tree, scraping a guard rail, hitting a mailbox, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive protection – Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from getting keyed, falling objects, theft and fire damage. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Get your money’s worth

As you prepare to switch companies, never sacrifice coverage to reduce premiums. In too many instances, an insured cut comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your aim should be to buy enough coverage at the best price while not skimping on critical coverages.

Throughout this article, we presented some good ideas how to compare 2013 Honda Ridgeline insurance prices online. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. You may be surprised to find that the best prices are with a small local company.

More affordable insurance is attainable both online and with local insurance agents, so get free car insurance quotes from both of them to have the best selection. Some companies may not provide internet price quotes and usually these regional insurance providers provide coverage only through independent agents.

More detailed insurance information is available in the articles below:

Comments About 2013 Honda Ridgeline Insurance

  1. Lindy Blanchard

    If you have a clean record and are close to Juneau, Alaska, check out 21st Century. They seem to be cheaper. Insured with Mercury before. My new agent seems to be really good.

  2. Dona Hansen

    IT’S ALL TOO EXPENSIVE! Checking in from Salem, OR. I quoted with GMAC, Auto-Owners, MetLife, and a couple others for my 2013 Honda Ridgeline and saved just over $280 a year. I’m a pretty good driver though.

  3. Olimpia Dickson

    Hope my rates come down. I live just outside Memphis, TN. Received quotes from Auto-Owners, MetLife, and a few others for my Ridgeline and I think I saved around $60 each month. Left Safeco to switch.

  4. Sarai Langley

    If you have a good history and live in the vicinity of Cranston, Rhode Island, check out GEICO. I saved quite a bit.

  5. Gertrude Gardner

    I think I’m paying too much. I’m in the north part of Eugene, OR. Quoted with GMAC, AIG Insurance, Nationwide, and a couple others for my Ridgeline and saved $495 a year. :P

  6. Jacinta Rodriguez

    Got pretty cheap 2013 Honda Ridgeline insurance from Allstate in Cedar Rapids, Iowa.

  7. Velva Tyson

    If you don’t have tickets and live around Dover, Delaware, check out Progressive. You might save some money. I have a teen driver too. It never hurts to quote around.

  8. Janeth Logan

    I got quite a few price quotes for a 2013 Honda Ridgeline in Saint Paul, MN. Ended up at roughly $160 every six months with AAA. I get lower rates because of my clean driving record. Not sure if rates are cheaper online or through an agent.

  9. Laurence Galloway

    It’s all a rip off. I’m in the suburbs of Saint Louis, MO. Can’t remember who all I quoted but I ended up saving about $30 each month.