2016 Honda Ridgeline Insurance Quotes

Trying to find the cheapest insurance rates for your Honda Ridgeline? Are you burned out from scraping nickels together to keep your car insured? You’re in the same situation as many other consumers. Companies like Allstate and Progressive all claim big savings with ads and consumers find it hard to separate fact from fiction and find the best price available.

You should take the time to compare rates before your next renewal since prices are usually higher with each renewal. Just because you found the lowest rate for Ridgeline insurance a few years ago a different company probably has better premium rates today. Ignore everything you know about insurance because you’re going to learn the fastest and easiest way to lower your annual insurance bill.

If you have insurance now or need a new policy, you can use these tips to find the best rates while maximizing coverage. Buying car insurance is not that difficult. Drivers just need to know the most efficient way to shop their coverage around on the web.

Cheap auto insurance quotes with discounts

Auto insurance is neither fun to buy or cheap, but you may be missing some discounts that you may not even be aware of. A few discounts will automatically apply at the time you complete a quote, but a few must be specially asked for before you will receive the discount.

  • Discount for Good Grades – Being a good student may save as much as 25% on a car insurance quote. Many companies even apply the discount to college students well after school through age 25.
  • Discount for Passive Restraints – Cars that have air bags could see savings of 20 to 30 percent.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Honda could be rewarded with better prices on cars that stay parked.
  • Distant College Student Discount – Any of your kids who live away from home at college and don’t have a car can be insured at a reduced rate.
  • Safe Drivers – Drivers who avoid accidents can save as much as half off their rates for Ridgeline insurance as compared to drivers with claims.
  • No Charge for an Accident – This isn’t a discount exactly, but certain companies allow you one accident without getting socked with a rate hike if you are claim-free for a particular time prior to the accident.
  • ABS Brakes – Vehicles with ABS and/or traction control are much safer to drive and the ABS can save up to 10%.

One thing to note about discounts is that some of the credits will not apply to your bottom line cost. Most cut the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you could get a free auto insurance policy, that’s just not realistic.

Car insurance companies who may offer some of the above discounts are:

Check with all the companies to apply every possible discount. Some discounts listed above may not apply to policies in your area. For a list of insurers that provide some of the discounts listed above, click here.

The quickest way to get rate comparisons is to know the trick most of the larger companies participate in online systems to quote your coverage. To get started, all you need to do is give them rating details like whether you have decent credit, your education level, whether you drive to work or school, and if a SR-22 is required. Your insurance information is instantly provided to all major companies and they return rate quotes almost instantly.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. These are some specific questions may help you determine if you may require specific advice.

  • Does insurance cover tools stolen from my truck?
  • Is upholstery damage covered by car insurance?
  • Does medical payments coverage apply to all occupants?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is there coverage for injuries to my pets?
  • How high should deductibles be on a 2016 Honda Ridgeline?
  • Is my teenager covered with friends in the car?
  • Am I covered when driving someone else’s vehicle?
  • Why am I required to buy high-risk coverage?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Information about specific coverages

Learning about specific coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverages offered by auto insurance companies.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, falling objects, hail damage, vandalism and damage from getting keyed. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like damaging your car on a curb, crashing into a building, sustaining damage from a pot hole and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Auto liability – Liability coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like pain and suffering, repair bills for other people’s vehicles, loss of income, repair costs for stationary objects and structural damage. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2016 Honda Ridgeline.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for expenses like EMT expenses, dental work, surgery, rehabilitation expenses and hospital visits. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Final considerations

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. In too many instances, drivers have reduced physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage for the lowest price but still have enough coverage for asset protection.

In this article, we covered a lot of tips how to get a better price on 2016 Honda Ridgeline insurance. It’s most important to understand that the more companies you get auto insurance rates for, the higher the chance of saving money. You may be surprised to find that the lowest rates come from a smaller regional carrier. They may have significantly lower auto insurance rates on certain market segments as compared to the big name companies such as State Farm and Allstate.

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