How Much Does 2017 Honda Ridgeline Insurance Cost in 2024?

When shopping for lower-cost insurance, are you frustrated by the sheer number of auto insurance providers that you can choose from? There are so many options that it can turn into a challenge to locate the lowest rates.

It’s a good habit to check auto insurance prices once or twice a year because prices fluctuate regularly. Just because you had the lowest quotes for Ridgeline coverage a few years ago there may be better deals available now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to one of the easiest ways to eliminate unnecessary coverages and save money.

The purpose of this article is to tell you how to get online quotes and some tricks to saving. If you currently have car insurance, you should be able to cut costs considerably using this strategy. But car owners need to have an understanding of how big insurance companies determine prices because it can help you find the best coverage.

How you can control Honda Ridgeline insurance premiums

Smart consumers have a good feel for the factors that go into determining your policy premiums. When you know what positively or negatively determines base rates, this enables informed choices that may reward you with better car insurance rates.

The items below are just a few of the factors car insurance companies consider when setting your premiums.

• Raise your coverage deductibles for better costs – The deductibles you choose are the amount of money you are required to spend out-of-pocket before your car insurance pays a claim. Coverage for physical damage, aka comp and collision, protects your car from damage. Some coverage claims would be collision with another vehicle, damage from fire, and having a roll-over accident. The higher the amount you choose to pay out-of-pocket, the less your company will charge you for insurance for Ridgeline coverage.
• Prices and your address – Residing in smaller towns and rural areas of the country is a good thing when buying car insurance. Fewer drivers on the road means a lower chance of having an accident in addition to fewer liability claims. Urban drivers regularly have much more traffic and longer commute times. More time commuting means more chance of being in an accident.
• The more you drive the more you pay – The more you drive in a year the more you’ll pay to insure your vehicle. Most companies calculate rates based upon how much you drive. Vehicles used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. It’s always a good idea to double check that your declarations sheet is rated on the correct usage, because improper ratings can cost you money. Improper usage on your Ridgeline can cost quite a bit.
• Prices for men may be higher – The statistics show that females tend to be a little less risky than males. It does not mean men are WORSE drivers than women. Both genders are responsible for auto accidents in similar numbers, but males have accidents that have higher claims. Men also tend to receive more major tickets like reckless driving and DUI.

Discounts can really help save money

Not many people think insurance is cheap, but there may be some discounts that you may not even know about. Some of these discounts will be visible when you complete an application, but lesser-known reductions have to be asked about prior to receiving the credit.

• Policy Bundle Discount – When you have multiple policies with the same company you may save up to 20% off your total premium.
• ABS Braking Discount – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive and will save you 10% or more.
• No Claim Discounts – Claim-free drivers can earn big discounts compared to drivers with a long claim history.
• Low Mileage Discounts – Driving less could earn cheaper prices.
• Payment Discounts – If paying your policy premium upfront rather than paying in monthly installments you can actually save on your bill.

While discounts sound great, it’s important to understand that some of the credits will not apply to the whole policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like you could get a free auto insurance policy, it doesn’t quite work that way.

A partial list of companies that may offer policyholders some of the above discounts are:

• State Farm
• American Family
• GEICO
• 21st Century
• Progressive

When getting free auto insurance quotes, it’s a good idea to every insurance company which discounts they offer. A few discounts may not apply to policyholders everywhere. To see companies with the best auto insurance discounts, enter your zip code here.

Does insurance advertising bend the truth?

Well-known insurance companies like Allstate, GEICO and Progressive constantly bombard you with ads in print and on television. They all advertise claims that drivers will save a bundle if you just switch to them. How can each company claim to save you money? This is the way they can do it.

Different companies have an ideal profile for the right customer that makes them money. For instance, a desirable insured might have to be between 30 and 50, carries full coverage, and drives a vehicle with a low ISO rating. Any person who meets those qualifications will probably get the lowest prices and is almost guaranteed to save quite a bit of money when switching.

Consumers who don’t qualify for those standards may be forced to pay a more expensive rate with the end result being business going elsewhere. The ad wording is “customers who switch” not “everybody who quotes” can get the lowest rates when switching. That’s why insurance companies can confidently claim big savings.

Each company has different criteria, so you absolutely need to quote coverage with many companies. It is impossible to predict the company that will fit you best based on your risk profile.

Will just any policy work for me?

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions might point out if you might need professional guidance.

• Are my tools covered if they get stolen from my vehicle?
• How do I buy GAP insurance?
• Can my teen driver be rated on a liability-only vehicle?
• Should I buy only the required minimum liability coverage?
• Why do I only qualify for high-risk insurance?
• Is my dog or cat covered if injured in an accident?
• Which companies will insure high-risk drivers?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Specifics of your insurance policy

Understanding the coverages of insurance helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for X-ray expenses, rehabilitation expenses, surgery, pain medications and nursing services. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sideswiping another vehicle, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Honda Ridgeline.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability insurance

Liability insurance provides protection from damage or injury you incur to other’s property or people that is your fault. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things such as court costs, emergency aid, bail bonds and medical services. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, theft and a broken windshield. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Quote more. Save more.

Insureds leave their current company for any number of reasons including unfair underwriting practices, policy cancellation, extreme rates for teen drivers or even high rates after DUI convictions. No matter why you want to switch, finding the right insurance provider can be easy and end up saving you some money.

When you buy auto insurance online, make sure you don’t skimp on coverage in order to save money. In too many instances, an insured dropped liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. Your goal is to purchase a proper amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

Budget-conscious 2017 Honda Ridgeline insurance is possible from both online companies as well as from insurance agents, so you should compare both to have the best selection. Some insurance providers do not offer online rate quotes and many times these small, regional companies sell through independent agents.