2010 Honda Ridgeline Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 2, 2024

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Consumers have lots of choices when looking for the best price on Honda Ridgeline insurance. They can either waste time contacting agents trying to get quotes or save time using the internet to get rate quotes.

There are both good and bad ways to shop for insurance coverage so you’re going to learn the quickest way to compare rates for a Honda and locate the best price possible either online or from local insurance agents.

The purpose of this post is to introduce you to how to effectively get price quotes and some money-saving tips. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Drivers only need an understanding of the proper way to shop on the web.

Low cost car insurance prices

There are a lot of ways to shop for car insurance, but some are less time-consuming than others. You could spend the better part of a day talking to insurance companies in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Many popular insurance companies belong to an insurance system that allows shoppers to complete one form, and at least one company returns a rated price determined by their information. This saves time by eliminating quotation requests to each company.

To fill out one form to compare multiple rates now enter your zip code here.

The only downside to pricing coverage this way is that consumers can’t choose the insurers you want pricing from. So if you want to choose specific insurance companies to request quotes from, we have a page of low cost car insurance companies in your area. Click to enter zip code for insurance companies.

However you get your quotes, make darn sure you compare nearly identical quote information on every quote you get. If you enter different deductibles then you won’t be able to determine which company has the best rates.

Discounts for cheap auto insurance rates

Insurance can be prohibitively expensive, but you can get discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time of purchase, but occasionally some discounts must be manually applied before you get the savings.

  • Bundle and Save – When you combine your auto and home insurance and place coverage with the same company you may earn as much as 10 to 15 percent.
  • Distant College Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle may be able to be covered for less.
  • Multi-car Discount – Insuring primary and secondary vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • Claim-Free Discount – Good drivers with no accidents can earn big discounts when compared to accident-prone drivers.
  • Life Insurance – Larger insurance carriers have a discount if you purchase life insurance from them.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • Low Mileage Discounts – Maintaining low annual mileage can earn cheaper prices.
  • Military Deployment Discount – Being on active duty in the military could be rewarded with lower premium rates.

You can save money using discounts, but some of the credits will not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates all the discounts add up to a free policy, company stockholders wouldn’t be very happy. But all discounts will definitely reduce the premium cost.

A list of companies and their possible discounts include:

  • GEICO includes discounts for seat belt use, anti-lock brakes, defensive driver, federal employee, five-year accident-free, multi-policy, and good student.
  • USAA may include discounts for multi-vehicle, safe driver, military installation, new vehicle, and vehicle storage.
  • Progressive offers discounts for homeowner, good student, continuous coverage, online quote discount, multi-vehicle, and multi-policy.
  • American Family offers premium reductions for early bird, air bags, defensive driver, bundled insurance, and good student.
  • Esurance may have discounts that include anti-theft, safety device, DriveSense, renters, emergency road assistance, and multi-policy.
  • Farmers Insurance may offer discounts for bundle discounts, early shopping, youthful driver, mature driver, and good student.
  • State Farm policyholders can earn discounts including anti-theft, good student, defensive driving training, multiple policy, safe vehicle, and multiple autos.

Before buying, ask every prospective company how many discounts you can get. Some discounts may not apply to policies in your area. To locate providers that offer discounts, enter your zip code here.

You may need specialized auto insurance coverage

When choosing coverage for your vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

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

  • Do I need an umbrella policy?
  • Are split liability limits better than a combined single limit?
  • Should I buy more coverage than the required minimum liability coverage?
  • When should my teen driver be added to my policy?
  • How high should my medical payments coverage be?
  • Will I be non-renewed for getting a DUI or other conviction?

If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, complete your zip code. It only takes a few minutes and can help protect your family.

Smart consumers save every year

Many things are taken into consideration when pricing auto insurance. Some are obvious such as your driving history, although some other factors are less obvious like where you live or how safe your car is.

  • High premiums for youthful drivers – Young drivers tend to be more careless when driving so they pay higher auto insurance rates. Older insureds are more cautious drivers, statistically cause fewer accidents and receive fewer citations.
  • Auto insurance rates and your employer – Did you know your job can affect your rates? Occupations like military personnel, air traffic controllers and emergency personnel generally have higher premium rates due to intense work situations and lots of time spent at work. Conversely, jobs like farmers, students and homemakers generally pay rates lower than average for Ridgeline coverage.
  • Gals tend to take less risk – Statistics demonstrate females are less aggressive when driving. However, don’t assume that females are better drivers. Both sexes are in fender benders in similar percentages, but the men cause more damage and cost insurance companies more money. Not only that, but men also receive more costly citations such as reckless driving.
  • Never let your auto insurance policy lapse – Driving with no insurance is a big no-no and your next policy will cost more because you let your insurance lapse for non-payment. And not only will your rates increase, failure to provide proof of insurance can result in fines or a revoked license. You will then be forced to file a SR-22 with your state department of motor vehicles.
  • Pay more of a claim out-of-pocket – Physical damage protection, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Some examples of claims that would be covered are a dented fender, damage caused by hail, or theft. Physical damage deductibles are the amount of money you are willing to pay before a claim is paid by your company. The larger the amount you pay before a claim is paid (deductible), the better rate you will receive for Ridgeline coverage.
  • Married people drive safer – Having a spouse can get you a discount on auto insurance. Having a spouse translates into being more mature and responsible and it’s proven that drivers who are married are more cautious.

Is there truth in advertising?

Consumers can’t ignore all the ads for the lowest price car insurance from the likes of Progressive, Allstate and GEICO. They all seem to tend to make the same promise that you can save if you just switch your policy.

How is it plausible that every one can lower your auto insurance rates? It’s all in how they say it.

All the different companies quote their cheapest rates for the type of insured that earns them the most money. An example of a desirable risk could possibly be between the ages of 30 and 50, has never had a policy lapse, and drives newer vehicles. Anybody that matches those criteria will qualify for the lowest prices and will most likely save if they switch.

Potential customers who don’t meet the requirements may be required to pay a higher rate and business going elsewhere. If you pay attention, the ads say “drivers who switch” not “all people who quote” save the amount stated. That’s the way insurance companies can lure you into getting a quote.

Because each company has a different risk profile, you absolutely need to do a quote comparison often. It is impossible to predict which insurance companies will have better auto insurance rates than you’re paying now.

Car insurance coverages for a Honda Ridgeline

Having a good grasp of car insurance helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverages

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as vandalism, damage from flooding, a tree branch falling on your vehicle and hitting a deer. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as chiropractic care, funeral costs, hospital visits and doctor visits. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

Collision coverage will pay to fix damage to your Ridgeline resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with a tree, hitting a parking meter, sustaining damage from a pot hole and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2010 Honda Ridgeline.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Auto liability

This will cover injuries or damage you cause to other people or property in an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like medical expenses, emergency aid, loss of income and bail bonds. How much coverage you buy is a personal decision, but buy higher limits if possible.

Save your hard earned cash

We just presented a lot of information how to reduce 2010 Honda Ridgeline insurance car insurance rates online. The key concept to understand is the more companies you get premium rates for, the higher the chance of saving money. Drivers may discover the best car insurance rates are with a lesser-known regional company.

Consumers who switch companies do it for many reasons like an unsatisfactory settlement offer, policy non-renewal, poor customer service and even being labeled a high risk driver. Regardless of your reason for switching companies, switching companies is pretty simple and you could end up saving a buck or two.

As you shop your coverage around, it’s very important that you do not skimp on coverage in order to save money. In many instances, an insured cut physical damage coverage only to find out they didn’t purchase enough coverage. Your focus should be to get the best coverage possible for the lowest cost while still protecting your assets.

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