Save on 2014 Honda Ridgeline Insurance Cost in 2024

Feeling guilty for buying an overpriced insurance coverage policy? It’s quite common and there are many consumers feeling the pinch from expensive insurance coverage. Big companies like GEICO and Progressive promote their brand names with catchy ads and consumers find it hard to avoid their marketing magic and find the best price available.

You need to compare rates before your policy renews because insurance coverage prices change quite often. If you had the best deal on Ridgeline insurance a year ago you may be paying too much now. You can find a lot of information about insurance coverage on the internet, but we’re going to give you some great ways to find cheap insurance coverage.

Where can I get cheap insurance coverage?

Getting a cheaper price on 2014 Honda Ridgeline insurance can be quick and easy. All you need to do is take time to get quotes to see which company has affordable auto insurance quotes. This is very easy and can be done using one of these methods.

• Without a doubt, the easiest way to find the lowest comparison rates would be an industry-wide quote request form. This type of form prevents you from having to do separate quote forms to each individual insurance coverage company. Filling out one form will return price quotes from multiple companies.
• A less efficient way to get quotes online requires a visit to each company website and complete a new quote form. For sake of this example, let’s assume you are doing a rate comparison from Auto-Owners, GEICO and Progressive. You would be required to go to every website and type in your information over and over, which can be really labor intensive.

Whichever way you choose to compare rates, ensure you’re using exactly the same coverage limits and deductibles on every price quote you get. If the quotes have higher or lower deductibles it will be impossible to get a fair rate comparison.

Cheaper rates by receiving discounts

Not too many consumers would say auto insurance is affordable, but there may be some discounts that many consumers don’t even know exist. Certain discounts will be applied at quote time, but a few must be requested specifically prior to receiving the credit. If you check and find you aren’t receiving every discount you qualify for, you may be paying too high a price.

• Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and earn discounts up to 10% off your auto insurance quote.
• Telematics Data – Insureds who allow companies to scrutinize their driving habits by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if they show good driving skills.
• Payment Method – If you can afford to pay the entire bill instead of monthly or quarterly installments you can avoid the installment charge.
• Paper-free Discount – A handful of larger companies give back up to $50 just for signing your application digitally online.
• Defensive Driver Discounts – Passing a course teaching defensive driving skills may get you a small discount if you qualify.
• Distant Student Discount – Children who live away from home to go to college without a vehicle on campus may qualify for this discount.
• ABS and Traction Control Discounts – Cars and trucks that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
• Renewal Discounts – A few auto insurance companies allow discounts for switching to them before your current expiration date. You may see this discount when you get auto insurance quotes online.

As a sidenote, some of the credits will not apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

A few popular companies and some of their more popular discounts are:

• State Farm policyholders can earn discounts including multiple autos, safe vehicle, driver’s education, Drive Safe & Save, and multiple policy.
• Farmers Insurance may include discounts for alternative fuel, good student, early shopping, multi-car, bundle discounts, and electronic funds transfer.
• GEICO offers discounts including anti-theft, anti-lock brakes, good student, multi-vehicle, membership and employees, defensive driver, and driver training.
• American Family discounts include good student, Steer into Savings, defensive driver, accident-free, multi-vehicle, good driver, and early bird.
• Nationwide offers discounts for good student, defensive driving, Farm Bureau membership, multi-policy, accident-free, family plan, and easy pay.
• Progressive has savings for online quote discount, homeowner, good student, continuous coverage, multi-vehicle, and multi-policy.

It’s a good idea to ask each company to give you their best rates. Depending on the company, some discounts might not be offered everywhere.

Lower the price of insurance with these tips

Part of the insurance buying process is learning a few of the rating criteria that aid in calculating your insurance rates. If you know what determines base rates, this empowers consumers to make smart changes that can earn you lower insurance prices.

The itemized list below are some of the major factors used by insurance companies to determine rates.

• Your address can influence price – Residing in a rural area has definite advantages if you are looking for the lowest rates. City drivers tend to have more auto accidents and more time behind the wheel. Less people translates into fewer accident claims and lower theft and vandalism rates.
• Prices and vocation – Did you know that where you work can have an impact on rates? Careers like fire fighters, airline pilots and miners tend to pay higher rates than the rest of us in part from job stress and long work hours. Conversely, occupations such as farmers, historians and homemakers have the lowest average rates on Ridgeline insurance.
• Claim-free discounts can add up – If you tend to file frequent claims, you shouldn’t be surprised to get higher premiums or even policy non-renewal. Companies provide discounts to insureds who only file infrequent claims. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
• Extra coverages you don’t need – There are many extra bells and whistles that sound like a good idea at the time when buying insurance. Coverages like vanishing deductibles, better glass coverage, and membership fees may not be needed and are just wasting money. These may sound like a good investment when discussing your needs, but your money might be better spent on other coverage so consider taking them off your policy.
• Raising coverage deductibles saves money – The deductibles you choose represent how much money you are required to pay if a claim is determined to be covered. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of some claims that would be covered are collision with another vehicle, damage caused by hail, and damage caused by road hazards. The larger the amount the insured has to pay upfront, the less money you will pay for insurance on Ridgeline insurance.
• Always keep your policy in force – Driving without insurance coverage in place can get you a ticket and you will pay a penalty because you let your insurance expire. Not only will you pay more, failure to provide proof of insurance could result in a hefty fine and possibly a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
• Use credit responsibly and save – Credit history will be a significant factor in calculating your insurance rates. Therefore, if your credit is low, you could save money insuring your 2014 Honda Ridgeline by spending a little time repairing your credit. Insureds with good credit tend to be more responsible than those with bad credit.
• Gender impacts costs – Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn’t mean women are better drivers. They both get in fender benders at about the same rate, but the male of the species cause more damage and cost insurance companies more money. Men also have more aggressive citations like reckless driving and DUI.

Your insurance coverage coverage should be tailored to you

When it comes to choosing the right insurance coverage, there isn’t really a best way to insure your cars. Every situation is different so your insurance should reflect that Here are some questions about coverages that might help in determining if your situation might need an agent’s assistance.

• Who is covered when they drive my 2014 Honda Ridgeline?
• Should I sign the liability waiver when renting a car?
• Can I afford to pay high deductible claims out of pocket?
• Am I insured when driving a different vehicle?
• Is a fancy paint job covered?
• Should I buy additional glass protection?
• I have a DUI can I still get coverage?
• Do I have coverage for damage caused while driving under the influence?

If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Brand name doesn’t guarantee savings

Consumers constantly see and hear ads for car insurance savings by State Farm, GEICO and Progressive. They all make the point that drivers can save some big amount if you switch your car insurance coverage to their company.

That’s great but how can every company have lower policy pricing? It’s all in how they say it.

Different companies can use profiling for the type of driver that earns them the highest profit. A good example of a driver they prefer could possibly be over age 30, has never had a policy lapse, and insures a new vehicle. Anybody that matches those criteria receive the lowest rate quotes as well as save some money.

Consumers who don’t meet these criteria must pay higher rates and this can result in the customer buying from a different company. The trick is to say “drivers that switch” not “everyone that quotes” can save as much as they claim. That’s why insurance companies can confidently state the savings.

Because of these techniques, you really should compare price quotes frequently. Because without a comparison, you cannot know which car insurance company will have the best auto insurance rates at this point in time.

Coverages available on your car insurance policy

Having a good grasp of a car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are typical coverage types found on the average car insurance policy.

Coverage for liability

Liability insurance can cover injuries or damage you cause to a person or their property. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things such as attorney fees, repair bills for other people’s vehicles, loss of income, medical expenses and court costs. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, hitting a bird and damage from getting keyed. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for EMT expenses, funeral costs, nursing services and surgery. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Collision coverage

Collision coverage pays for damage to your Ridgeline from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with another moving vehicle, crashing into a ditch, driving through your garage door, rolling your car and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Knowledge is power

When shopping online for insurance, never skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice uninsured motorist or liability limits only to regret that they should have had better coverage. The proper strategy is to purchase plenty of coverage for the lowest price, but don’t skip important coverages to save money.

Lower-priced insurance is attainable both online and from local agencies, and you should be comparing both to have the best selection. A few companies do not offer rates over the internet and many times these smaller providers provide coverage only through independent agents.

We’ve covered many ways to shop for 2014 Honda Ridgeline insurance online. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even find the most savings is with a company that doesn’t do a lot of advertising. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, GEICO and Nationwide.