2024 Honda Ridgeline Insurance Quotes – 5 Discounts for Cheaper Rates

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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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Searching for lower insurance rates for your Honda Ridgeline? Wish you could get a refund on an overpriced insurance policy? Don’t feel bad because many consumers are feeling buyer’s remorse and feel like there’s no way out. Many insurance companies compete for your insurance dollar, so it’s not easy to compare every insurance company to find the absolute best price available.

Consumers need to do price comparisons occasionally because prices are variable and change quite frequently. If you had the lowest quotes for Ridgeline coverage six months ago you can probably find a better rate now. You can find a lot of misleading information regarding insurance on the internet, but I’m going to show you the easiest ways to lower your insurance bill.

Buy car insurance online

Finding a lower price on 2024 Honda Ridgeline insurance can be relatively painless. Consumers just need to spend a little time comparing rates to find. You can get a good selection of rate quotes in a couple of different ways.

  1. The recommended way consumers can make multiple comparisons is an all-inclusive rate comparison. This easy form keeps you from doing a different quote for every prospective company. Taking the time to complete one form gets prices estimates from many national carriers.
  2. A harder way to compare rate quotes requires a visit to each company’s website and repeat the quote process. For examples sake, let’s say you want to compare rates from Auto-Owners, Farmers and GEICO. You would be required to navigate to each company’s site and type in your information over and over, and that’s why the first method is more popular.
  3. The least efficient and most time consuming way to find lower rates to insurance agencies in your area. Quoting and buying insurance online eliminates this option unless you have a complicated situation and need the professional assistance that you can only get from talking to an agent. Although you can get prices online but still have the advice of a local agent.

It doesn’t matter which method you choose, just make darn sure you compare equivalent deductibles and coverage limits for each quote you get. If you compare different limits and deductibles on each one it will be next to impossible to determine which rate is truly the best.

Earn discounts to get lower-cost insurance quotes

Insuring your fleet can be pricey, but there are discounts available that you may not even be aware of. Larger premium reductions will be automatically applied at quote time, but some need to be manually applied prior to getting the savings. If you’re not getting every credit you deserve, you may be paying too high a price.

  • Anti-lock Brakes – Cars and trucks with ABS and/or traction control are safer to drive and the ABS can save up to 10%.
  • Good Student – Being a good student can earn a discount of 20% or more. Most companies allow this discount well after school through age 25.
  • No Charge for an Accident – This isn’t a discount exactly, but companies like Liberty Mutual, Allstate and State Farm may permit one accident without getting socked with a rate hike with the catch being you have to be claim-free for a specific time period.
  • Distant Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle may qualify for this discount.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in school or through a local driver safety program.

It’s important to understand that most discounts do not apply to the whole policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like all the discounts add up to a free policy, nobody gets a free ride.

A few popular companies and a summarized list of policyholder discounts are shown below.

  • American Family has discounts for bundled insurance, good student, Steer into Savings, early bird, and TimeAway discount.
  • State Farm includes discounts for passive restraint, multiple policy, multiple autos, accident-free, and student away at school.
  • 21st Century may offer discounts for defensive driver, automatic seat belts, anti-lock brakes, homeowners, driver training, and teen driver.
  • Travelers offers discounts for continuous insurance, early quote, driver training, student away at school, and home ownership.
  • GEICO has savings for good student, defensive driver, air bags, daytime running lights, anti-lock brakes, and multi-policy.

When getting a coverage quote, ask each company which discounts you may be entitled to. Some discounts listed above may not be available in your state. If you would like to view insurance companies that offer discounts, enter your zip code here.

Tailor your car insurance coverage to you

When buying the best car insurance coverage, there is no perfect coverage plan. Every situation is different so this has to be addressed. Here are some questions about coverages that can aid in determining if your situation would benefit from professional advice.

  • Do I need an umbrella policy?
  • Does my 2024 Honda Ridgeline need full coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is extra glass coverage worth it?
  • Is business property covered if stolen from my car?
  • What exactly is covered by my policy?
  • Where can I find high-risk insurance?
  • Do I need roadside assistance coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Am I covered if I hit my neighbor’s mailbox?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete your zip code. It’s fast, free and you can get the answers you need.

Car insurance advertising gotchas

Drivers can’t avoid all the ads for cheaper car insurance by Allstate, GEICO and Progressive. They all seem to make an identical promise of big savings if you move your policy.

How is it plausible that every one can offer drivers better rates? This is how they do it.

All the different companies have strict underwriting profiles for the type of insured they prefer to insure. For example, a profitable risk profile should be a married female, has never had a claim, and does not commute to work. A prospective insured that matches those criteria receive the lowest rate quotes as well as save a lot if they switch.

Potential insureds who don’t meet the requirements may be required to pay higher prices with the end result being the customer buying from someone else. The ad wording is “people who switch” not “all people who quote” save that much when switching. That is how companies can make it sound like they have such great premium rates. This really emphasizes why it is so important to do a quote comparison often. Because you cannot predict the company that will have the lowest rates.

Car insurance 101

Having a good grasp of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from insurance companies.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for expenses like doctor visits, EMT expenses and surgery. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like fire damage, damage from a tornado or hurricane, falling objects, theft and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as driving through your garage door, damaging your car on a curb, hitting a parking meter, sustaining damage from a pot hole and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Honda Ridgeline.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Coverage for liability – This coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against things like attorney fees, repair costs for stationary objects, pain and suffering and medical services. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Buy Smart and Save

While you’re price shopping online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced full coverage and discovered at claim time they didn’t have enough coverage. Your objective should be to buy the best coverage you can find at the lowest possible cost, but do not sacrifice coverage to save money.

Discount 2024 Honda Ridgeline insurance is definitely available from both online companies and with local insurance agents, and you should compare rates from both to get a complete price analysis. Some car insurance companies do not offer internet price quotes and many times these small, regional companies work with local independent agents.

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