2016 Honda Ridgeline Car Insurance Quotes

Looking for cheaper insurance coverage rates for your Honda Ridgeline? There isn’t anyone who looks forward to paying for insurance coverage, especially knowing their premiums are too high. Multiple auto insurance companies compete for your insurance dollar, so it’s not easy to compare every company to find the absolute best rate

More affordable rates with discounts

Auto insurance is easily one of your largest bills, but there may be some discounts to help offset the cost. Certain reductions will be credited when you quote, but occassionally some discounts must be asked for before being credited.

• Distant Student Discount – Kids who live away from home at college and do not have a car can receive lower rates.
• Theft Prevention Discount – Cars optioned with advanced anti-theft systems are stolen less frequently and that can save you a little bit as well.
• Defensive Driver – Taking time to complete a defensive driver course could save 5% or more depending on where you live.
• Save with a New Car – Buying insurance coverage on a new vehicle can save up to 30% compared to insuring an older model.
• Auto/Life Discount – If the company offers life insurance, you could get better premium rates if you take out some life insurance too.
• Clubs and Organizations – Affiliation with certain professional organizations is a good way to get lower rates on auto insurance.
• Full Payment Discount – By making one initial payment as opposed to paying monthly you may have a lower total premium amount.
• Senior Citizen Discount – If you’re over the age of 55, you can possibly qualify for lower premium rates on Ridgeline insurance.
• E-sign – Many companies may give you up to $50 simply for signing digitally online.
• Discount for Swiching Early – A few auto insurance companies allow discounts for signing up prior to your current policy expiration. Ten percent is about the average savings.

One last thing about discounts, many deductions do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as comp or med pay. So when it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

A few of the larger companies and some of the premium reductions they offer are outlined below.

• 21st Century has savings for student driver, air bags, driver training, early bird, homeowners, automatic seat belts, and defensive driver.
• Progressive may include discounts for online quote discount, good student, multi-vehicle, online signing, multi-policy, continuous coverage, and homeowner.
• State Farm policyholders can earn discounts including anti-theft, good driver, safe vehicle, Drive Safe & Save, driver’s education, accident-free, and student away at school.
• Nationwide offers discounts for family plan, Farm Bureau membership, business or organization, good student, defensive driving, easy pay, and anti-theft.
• Esurance includes discounts for good student, Switch & Save, anti-theft, anti-lock brakes, multi-car, paid-in-full, and multi-policy.
• The Hartford offers premium reductions for air bag, vehicle fuel type, anti-theft, defensive driver, good student, driver training, and bundle.

If you need lower rates, check with all the companies which discounts you may be entitled to. All car insurance discounts might not apply in your area.

Low cost insurance coverage quotes

All the larger insurance coverage companies like 21st Century, Allstate and State Farm allow you to get prices for coverage direct online. Comparing prices online can be done by anyone because you just enter your required coverages as requested by the quote form. Once you submit the form, their quoting system will order credit information and your driving record and returns a price determined by many factors. Being able to quote online makes it simple to compare prices but the time required to go to multiple sites and type in the same data can be a bit tiresome and repetitive. But it’s very important to compare as many rates as possible if you want to get better insurance coverage pricing.

The easy way to compare rates

A more efficient way to get multiple rate quotes utilizes a single form to obtain quotes from multiple companies. It’s a real time-saver, eliminates repetitive work, and makes online shopping a lot less work. As soon as the form is sent, it is rated and you can choose any or none of the resulting price quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. It takes just a few minutes to complete and may result in a nice savings.

In order to compare pricing, click here to open in new window and fill out the form. If you have your current policy handy, we recommend you duplicate your coverages as close as possible to your current policy. This makes sure you will have a price comparison for exact coverage.

What is the best insurance coverage?

When buying the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique so your insurance should reflect that For example, these questions might point out if your situation might need an agent’s assistance.

• Does my car insurance cover rental cars?
• Is my Honda Ridgeline covered if I use it for business?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Can I get a multi-policy discount?
• Will my rates increase for filing one claim?
• Am I covered by my spouse’s policy after a separation?
• Am I covered if I wreck a rental car?
• Where can I find DUI or SR-22 insurance?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Parts of your auto insurance policy

Having a good grasp of your policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages found on most auto insurance policies.

Liability coverages

This can cover damage or injury you incur to a person or their property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like emergency aid, repair bills for other people’s vehicles, attorney fees and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, vandalism, theft and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as X-ray expenses, surgery, EMT expenses, rehabilitation expenses and pain medications. They can be used to fill the gap from your health insurance policy 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. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision protection

This covers damage to your Ridgeline from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like colliding with another moving vehicle, driving through your garage door, crashing into a building, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Ridgeline.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Be Smart and Buy Smart

When trying to cut insurance costs, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, an insured cut full coverage and discovered at claim time that it was a big error on their part. Your strategy should be to buy the best coverage you can find at the best possible price while not skimping on critical coverages.

Throughout this article, we presented quite a bit of information on how to shop for 2016 Honda Ridgeline insurance online. The key concept to understand is the more providers you compare, the better likelihood of getting low cost auto insurance. Drivers may discover the lowest priced insurance comes from an unexpected company. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like Allstate or State Farm.

More tips and info about insurance can be read in these articles:

• Parking Tips to Reduce Door Dings (State Farm)
• Vehicle Insurance in the U.S. (Wikipedia)
• What is Full Coverage? (Allstate)
• A Tree Fell on Your Car: Now What? (Allstate)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)