How Much Does 2023 Honda Ridgeline Insurance Cost 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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Shopping for lower-cost car insurance on the web can appear to be impossible for vehicle owners new to online price comparisons. With so many options of companies competing online, how can drivers possibly compare every company to locate the best pricing?

Finding affordable coverage is not that difficult. Just about every driver who buys insurance will more than likely be able to find better rates. Although vehicle owners must comprehend how companies price insurance differently because it can help you find the best coverage.

Insurance policy discounts

Companies that sell car insurance do not advertise all possible discounts very clearly, so we break down some of the best known and the more hidden credits that may apply to you.

  • Distant College Student Discount – Kids who live away from home at college without a vehicle on campus could get you a discount.
  • No Claim Discounts – Drivers who don’t have accidents get the best insurance rates when compared to frequent claim filers.
  • Online Discount – Some of the larger companies will give you a small discount for completing your application digitally online.
  • Switch and Save Discount – A few insurance companies give discounts for switching policies prior to the expiration date on your current policy. Ten percent is about the average savings.
  • Air Bag Discount – Factory options such as air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • Discounts for Multiple Vehicles – Insuring multiple vehicles with the same company can reduce rates for all insured vehicles.
  • Pay Early and Save – If you pay your entire premium ahead of time instead of paying each month you can avoid the installment charge.
  • Safety Restraint Discount – Drivers who require all occupants to use a seat belt can save a little off PIP or medical payments premium.

Keep in mind that some of the credits will not apply to the whole policy. Some only apply to specific coverage prices like liability and collision coverage. Just because it seems like it’s possible to get free car insurance, insurance companies aren’t that generous.

Companies that may offer many of the previously listed discounts may include but are not limited to:

  • State Farm
  • Progressive
  • 21st Century
  • American Family
  • The Hartford
  • AAA

If you need lower rates, check with all companies you are considering how you can save money. Some of the discounts discussed earlier might not be available to policyholders in your area. If you would like to see a list of insurance companies with the best insurance discounts, enter your zip code here.

How to get cheap auto insurance

Effectively comparing auto insurance prices can be a lot of work if you don’t utilize the most efficient way to do it. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you could save time and use the web to get pricing more quickly.

Many popular insurance companies participate in an industry program where prospective buyers only type in their quote data once, and every company can give them a price determined by their information. This eliminates the need for form submissions for each company you want a rate for.

To compare rates now enter your zip code here.

The one downside to doing it this way is you don’t know exactly which insurance companies you want to price. So if you want to select specific providers to receive pricing from, we have assembled a list of companies who write auto insurance in your area. Click to enter zip code.

Compare rates however you want, just try to use apples-to-apples coverage data on every price quote you get. If you use different deductibles you can’t possibly determine the lowest rate for your Honda Ridgeline. Having just a slight variation in coverages may result in large price differences. And when comparing auto insurance rates, know that comparing a wide range of rates helps increase your odds of locating the best offered rates.

Eight tips to get more affordable insurance rates

Smart consumers have a good feel for a few of the rating criteria that help calculate the rates you pay for auto insurance. If you know what controls the rates you pay, this allows you to make educated decisions that may reward you with lower auto insurance prices. Lots of factors are part of the equation when you get your auto insurance bill. Some are pretty understandable like your driving record, but others are more transparent like where you live or your commute time.

  • Males tend to take more risk – Statistics have proven that men are more aggressive behind the wheel. It does not mean women are better drivers. Women and men are responsible for auto accidents at a similar rate, but males tend to have more serious accidents. They also receive more major tickets like DUI and reckless driving. Young men ages 16 to 20 generally have the highest accident percentage and therefore are the most expensive to insure.
  • How many coverages with the same company – Lots of insurers give better rates to clients that purchase more than one policy such as combining an auto and homeowners policy. If you currently are using one company, it’s in your best interest to shop around to help guarantee you have the best rates.
  • Urban residents pay more – Choosing to live in small towns and rural areas may provide you with better prices when buying auto insurance. Fewer people means less chance of accidents and a lower car theft rate. Drivers who live in large cities have to deal with more aggressive driving styles and longer commutes to work. More time on the road can result in more accidents.
  • Save annual miles and save money – The more you drive in a year the more you’ll pay to insure it. Many insurance companies charge to insure your cars based upon how the vehicle is primarily used. Autos that have low annual miles get more affordable rates as compared to vehicles used primarily for driving to work. Double check that your declarations sheet is showing the correct usage for each vehicle, because improper ratings can cost you money. Having an incorrect usage rating on your Ridgeline is just wasting money.
  • Extra policy coverages can add up – Insurance policies have a lot of optional add-on coverages that can waste your money if you aren’t diligent. Add-on coverages like personal injury protection, high-cost glass coverage, and motor club memberships may be wasting your money. You may think they are a good idea when discussing your needs, but your money might be better spent on other coverage so remove them from your policy.
  • Improve your credit rating – Having a bad credit score can be an important factor in determining premium rates. Consumers who have high credit ratings tend to be better risks to insure than drivers who have poor credit. If your credit history is lower than you’d like, you could pay less to insure your 2023 Honda Ridgeline if you clean up your credit.
  • Never let your auto insurance expire – Having a gap between insurance policy dates can be a sure-fire way to increase your auto insurance rates. Not only will you pay higher rates, being ticketed for driving with no insurance will get you a license revocation or jail time.
  • Reduce prices by driving safer vehicles – Safe vehicles cost less to insure. These vehicles reduce the chance of injuries and reduced instances of injuries translates into savings for insurance companies and thus lower rates. If the Honda Ridgeline scored better than four stars on it is probably cheaper to insure.

How do I know if I need professional advice?

When buying proper insurance coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight whether you could use an agent’s help.

  • What is high-risk coverage and where do I buy it?
  • Do I pay less for low miles?
  • What if I owe more than I can insure my car for?
  • How can I force my company to pay a claim?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need replacement cost coverage on my 2023 Honda Ridgeline?
  • When should I buy a commercial auto policy?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and enter your zip code.

Learn about car insurance coverages for a Honda Ridgeline

Having a good grasp of your car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Coverage for liability

This coverage can cover damage or injury you incur to other people or property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as emergency aid, attorney fees and funeral expenses. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Collision coverage protection

Collision insurance pays for damage to your Ridgeline from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a ditch, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, rock chips in glass, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Honda Ridgeline.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for expenses for things like rehabilitation expenses, pain medications, ambulance fees, dental work and nursing services. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Shop Smart and Save

We’ve covered many tips how you can shop for 2023 Honda Ridgeline insurance online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding cheaper auto insurance. You may even find the biggest savings come from a small local company.

Affordable 2023 Honda Ridgeline insurance is available both online as well as from independent agents, so you need to shop auto insurance with both so you have a total pricing picture. Some car insurance companies don’t offer online quoting and these smaller providers only sell through independent agencies.

Consumers leave their current company for many reasons like high prices, high rates after DUI convictions, policy cancellation or even policy non-renewal. Whatever your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

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