2014 Honda Ridgeline Insurance Cost – 8 Ideas for Best Prices

No one likes paying for auto insurance, especially when they are aware that their premiums are too high.

Many insurers compete for your business, and because of this it can be hard to compare auto insurance companies to find the best rate

It’s a good habit to do rate comparisons as often as possible because auto insurance prices tend to go up over time. Even if you got the best deal on Ridgeline coverage a few years ago you may be paying too much now. You can find a lot of misleading information regarding auto insurance online, but in a few minutes you can learn some excellent ideas to find cheap auto insurance.

Insurance discounts are available to lower your rates

Insurance can be pricey, but you may be missing some discounts that can drop the cost substantially. Some trigger automatically when you purchase, but lesser-known reductions have to be specifically requested before you will receive the discount.

• Fewer Miles Equal More Savings – Maintaining low annual mileage can qualify you for better rates on cars that stay parked.
• E-sign – A few larger online companies will discount your bill up to fifty bucks for buying a policy and signing up on the internet.
• Government Employees – Having worked for a branch of the government may reduce rates when you quote car insurance on Ridgeline coverage but check with your company.
• Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off the PIP or medical payment premium.
• Save with More Vehicles Insured – Buying coverage for multiple cars or trucks with one company can reduce rates for all insured vehicles.
• Early Switch Discount – A few insurance companies give discounts for switching companies prior to the expiration date on your current policy. The savings is around 10%.
• College Student – College-age children who live away from home at college and won’t have access to an insured vehicle may be insured at a cheaper rate.
• Save over 55 – If you qualify as a senior citizen, you can get reduced rates on Ridgeline coverage.

Don’t be surprised that many deductions do not apply the the whole policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like adding up those discounts means a free policy, that’s just not realistic.

To see a list of providers that offer some of these discounts, click here to view.

The best way we recommend to compare insurance rates from multiple companies is to understand auto insurance companies have advanced systems to quote your coverage. All consumers are required to do is give them rating details including the make and model of your vehicles, if you lease or own, how much education you have, and level of coverage desired. Those rating factors is then submitted to many of the top insurers and they return cost estimate instantly to find the best rate.

Everyone needs different auto insurance coverages

When choosing the right insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if your insurance needs might need an agent’s assistance.

• Do I really need UM/UIM coverage?
• How do I file an SR-22 for a DUI in my state?
• Am I covered by my spouse’s policy after a separation?
• Do I pay less if my vehicle is kept in my garage?
• Will filing a claim cost me more?
• Do I have any recourse if my insurance company denies a claim?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area.

What car insurance coverages do you need?

Understanding the coverages of a car insurance policy helps when choosing the best coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types available from car insurance companies.

Coverage for liability

Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as emergency aid, structural damage, attorney fees and medical expenses. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for rehabilitation expenses, surgery, ambulance fees, pain medications and prosthetic devices. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision insurance

This coverage covers damage to your Ridgeline caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as backing into a parked car, colliding with another moving vehicle, scraping a guard rail, sustaining damage from a pot hole and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as fire damage, falling objects, damage from a tornado or hurricane and a tree branch falling on your vehicle. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Better coverage you can count on

Lower-priced insurance is available from both online companies as well as from independent agentsinsurance , and you should compare rates from both in order to have the best chance of saving money. Some insurance companies do not provide online price quotes and usually these regional insurance providers only sell through independent insurance agents.

Throughout this article, we presented a lot of tips how to shop for 2014 Honda Ridgeline insurance online. It’s most important to understand that the more times you quote, the better chance you’ll have of finding cheap car insurance. You may even discover the lowest rates are with a small local company. They can often provide lower car insurance rates in certain areas than the large multi-state companies such as State Farm, Geico and Nationwide.

To learn more, feel free to browse the following helpful articles:

• Safety Features for Your New Car (State Farm)
• State Laws for Cellphones and Texting (iihs.org)
• Where can I buy Insurance? (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)
• Shopping for a Safe Car (Insurance Information Insitute)
• What is Gap Insurance? (Insurance Information Insitute)