View 2013 Honda Ridgeline Insurance Cost

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us, there are many people just like you.

There is such a variety of insurance companies to buy insurance from, and although it’s a good thing to be able to choose, having more insurers makes it harder to compare rates.

It’s important to get comparison quotes yearly since rates are usually higher with each renewal. Even if you think you had the best rates for Ridgeline coverage on your last policy the chances are good that you can find a lower rate today. There is a lot of wrong information about auto insurance on the internet, so we’re going to give you some tested techniques to buy auto insurance cheaper.

Pricing the cheapest coverage is simple if you know the tricks. Basically, anyone who is required by state law to have insurance coverage will most likely be able to save money. Nevertheless, car owners benefit from understanding how big insurance companies sell online and take advantage of how the system works.

Don’t miss out on these money-saving discounts

Insurance can be prohibitively expensive, but you may find discounts that can drop the cost substantially. A few discounts will automatically apply at quote time, but lesser-known reductions have to be specifically requested before you get the savings.

  • Drivers Education – Have your child successfully complete driver’s ed class in school.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can qualify for discounts up to 30%.
  • Senior Discount – If you’re over the age of 55, you may receive reduced rates for Ridgeline coverage.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, you won’t be that lucky. But any discount will cut the amount you have to pay.

Insurance companies that may offer these money-saving discounts are:

Check with all companies you are considering which discounts you may be entitled to. Some discounts may not apply everywhere.

Compare Auto Insurance Today

All the larger auto insurance companies provide price estimates online. Getting online quotes is pretty painless as you simply type in the coverages you want into a form. When the form is submitted, the system obtains your driving record and credit report and gives you a price quote. Online quotes helps simplify price comparisons, but the process of having to visit each company’s website and repetitively enter the same data into a form can get tiresome after awhile. Unfortunately, it is important to perform this step in order to get the lowest price.

The better way to compare rates

A quicker way to lower your auto insurance bill is to use a quote form to obtain quotes from a lot of companies. It saves time, eliminates repetitive work, and makes comparison shopping much more enjoyable. As soon as you send your information, your coverage is rated and you can choose any or none of the quote results.

If a lower price is quoted, you can simply submit the application and buy the policy. The entire process can be completed in less than 10 minutes and you’ll know if lower rates are available.

To get comparison pricing now, click here and enter your information. If you currently have coverage, we recommend you input the insurance coverages as close as possible to your current policy. This ensures you will be getting comparison quotes using the exact same coverages.

Some factors that can determine what Honda Ridgeline insurance costs

Smart consumers have a good feel for the rating factors that play a part in calculating your auto insurance rates. Having a good understanding of what determines base rates helps enable you to make changes that will entitle you to big savings.

  • Do you know you’re credit rating? – Having a bad credit history is a large factor in your rate calculation. If your credit score is not that good, you could potentially save money when insuring your 2013 Honda Ridgeline by spending a little time repairing your credit. Drivers who have excellent credit tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.
  • Being married is a good thing – Having a wife or husband can get you a discount on your auto insurance policy. Having a significant other usually means you are more mature it has been statistically shown that married drivers get in fewer accidents.
  • Add-on coverages can add up – There are a ton of extra bells and whistles that you can buy on your auto insurance policy. Things like personal injury protection, towing coverage and motor club memberships are some examples. These may sound like a good investment at first, but if you don’t need them remove them from your policy.
  • Your location affects your rates – Choosing to live in a rural area can save you money when talking about auto insurance. Lower population means a lower chance of having an accident as well as less vandalism and auto theft. Drivers in populated areas have traffic congestion and much longer commute distances. More time commuting can result in more accidents.

Do I need special coverages?

When buying adequate coverage for your vehicles, there really is no one size fits all plan. Every insured’s situation is different so this has to be addressed. These are some specific questions might help in determining whether your personal situation could use an agent’s help.

  • Am I covered if I wreck a rental car?
  • Do I need motorclub coverage?
  • When can I cancel my policy?
  • Do I have coverage when using my vehicle for my home business?
  • Where can I find DUI or SR-22 insurance?
  • Should I buy only the required minimum liability coverage?
  • Is my trailer covered?
  • I have health insurance so do I need medical payments coverage?
  • Which is better, split liability limits or combined limits?
  • Am I covered if I hit a deer?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance coverage specifics

Learning about specific coverages of a car insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages found on most car insurance policies.

Auto liability insurance – This provides protection from damage that occurs to other people or property in an accident. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, 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 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like bail bonds, medical expenses and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverages – Collision insurance covers damage to your Ridgeline caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a parking meter, crashing into a building, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Honda Ridgeline.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually these coverages are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for nursing services, rehabilitation expenses and X-ray expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance – This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, damage from a tornado or hurricane and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Find Good Coverage for Less

Throughout this article, we presented a lot of information how to lower your 2013 Honda Ridgeline insurance rates. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. Consumers could even find that the best price on insurance coverage is with an unexpected company. These companies may only write in your state and offer lower rates compared to the large companies like GEICO and State Farm.

Lower-priced insurance is available from both online companies as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance coverage companies don’t offer online quoting and many times these small, regional companies only sell through independent insurance agents.

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