Compare 2016 Honda Ridgeline Car Insurance Quotes 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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Trying to find lower auto insurance rates for your Honda Ridgeline? Wish you could get out of overpriced auto insurance? Don’t feel bad because there are lots of residents who feel the same. Many insurers vie for your insurance dollar, and it can be difficult to compare rates to find the absolute cheapest price

You should make it a habit to compare rates once or twice a year because prices go up and down regularly. Just because you found the best deal for Ridgeline insurance at your last renewal the chances are good that you can find a lower rate today. You can find a lot of wrong information about auto insurance on the internet, but by reading this article, you’re going to learn some great ways to stop overpaying for insurance.

Why informed consumers pay less for Honda Ridgeline insurance

Many factors are used in the calculation when you quote your car insurance policy. Most are fairly basic such as traffic violations, although others are more transparent such as whether you are married or your vehicle rating.

The following are some of the major factors utilized by car insurance companies to help set premiums.

  • Employer stress can make you pay more – Did you know your job can affect your rates? Occupations such as doctors, police officers and dentists generally have the highest rates attributed to intense work-related stress and lots of time spent at work. Conversely, occupations like farmers, athletes and homemakers have lower than average premiums for Ridgeline insurance.
  • Vehicles with better crash test results lower prices – Cars with high safety ratings get lower rates. These vehicles reduce the chance of injuries and lower injury rates translates directly to fewer claims which can result in lower premiums.
  • Don’t buy extra coverages that may not be needed – There are many add-on coverages you can purchase but may not be useful. Coverages for roadside assistance, better glass coverage, and Farm Bureau memberships may be wasting your money. These coverages may sound good initially, but now you might not need them so remove them from your policy.
  • Never let your insurance expire – Driving any period of time without insurance is against the law and companies may charge more for letting your insurance coverage expire. In addition to paying higher rates, being ticketed for driving with no insurance may result in a hefty fine and possibly a revoked license.
  • Urban residents pay more – Living in a rural area is a positive aspect when insuring your vehicles. Drivers who live in large cities regularly have much more traffic and longer commutes to work. Fewer drivers means reduced accidents in addition to lower liability claims

Car insurance rates and discounts

Auto insurance companies don’t always advertise the complete list of policy discounts in a way that’s easy to find, so the next list breaks down both the well known and the harder-to-find credits that may apply to you.

  • Anti-lock Brake Discount – Cars, trucks, and SUVs with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • College Student Discount – College-age children living away from home attending college and do not have a car can be insured at a reduced rate.
  • One Accident Forgiven – but some companies like Allstate and Progressive will let one accident slide before they charge you more for coverage as long as you don’t have any claims prior to the accident.
  • Responsible Driver Discounts – Safe drivers can pay as much as 50% less for Ridgeline insurance than their less cautious counterparts.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn better prices if you take out a life insurance policy as well.

Please keep in mind that some credits don’t apply to the whole policy. The majority will only reduce individual premiums such as comprehensive or collision. Just because it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

For a list of car insurance companies with discount rates, enter your zip code here.

Situations that may require an agent’s advice

When it comes to choosing the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions can help discover if your insurance needs could use an agent’s help.

  • How can I force my company to pay a claim?
  • Is my Honda Ridgeline covered if I use it for business?
  • Can I get a multi-policy discount?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can my teen drive my company car?
  • What is PIP insurance?
  • What happens if I owe more than my 2016 Honda Ridgeline is worth?
  • Should I carry comprehensive and collision coverage?
  • Are there companies who specialize in insuring high-risk drivers?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out your zip code. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverages 101

Knowing the specifics of a insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are the normal coverages found on the average insurance policy.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for bills for rehabilitation expenses, ambulance fees and dental work. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. 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 damage from getting keyed, hail damage, damage from a tornado or hurricane and hitting a bird. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability – Liability coverage provides protection from damages or injuries you inflict on other people or property. It protects YOU from legal claims by others. It does not cover 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. You commonly see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers things such as court costs, medical expenses, loss of income, funeral expenses and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your 2016 Honda Ridgeline.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage – This pays for damage to your Ridgeline caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a mailbox, 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 older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Coverage on a shoestring budget

The cheapest 2016 Honda Ridgeline insurance can be sourced from both online companies in addition to local insurance agencies, and you should compare price quotes from both to get a complete price analysis. Some companies may not have online rate quotes and most of the time these regional insurance providers sell through local independent agencies.

You just learned a lot of techniques to compare 2016 Honda Ridgeline insurance prices online. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even discover the biggest savings come from a smaller regional carrier. These companies may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

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