2008 Honda Ridgeline Insurance Quotes – 8 Tricks for Best Rates

Buyers have a choice when searching for the best price on Honda Ridgeline insurance. They can either spend hours driving around to get rate comparisons or use the internet to compare rates.

There is a right way and a wrong way to find car insurance online so we’re going to tell you the absolute fastest way to get price quotes on a Honda and find the lowest price.

Where Can I Get Cheap Auto Insurance?

Finding cheaper 2008 Honda Ridgeline auto insurance prices is actually quite simple. Consumers just need to invest a few minutes comparing rate quotes from different insurance companies. This is very easy and can be done in several different ways.

The most efficient way to get the best comparison quotes is an all-inclusive rate comparison click to view form in new window. This type of form prevents you from having to do repetitive form entry for every auto insurance company. One quote request will return quotes from multiple low-cost companies. It’s definitely the quickest method.

A different way to find lower rates consists of going to the website for each individual company and complete a new quote form. For example, let’s say you want to compare Farmers, Geico and American Family. To find out each rate you need to go to every website and enter your policy data, which is why the first method is quicker. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but be sure to compare identical deductibles and coverage limits with every price quote. If the quotes have different limits and deductibles on each one you will not be able to make a fair comparison for your Honda Ridgeline.

Don’t listen to company ads

Consumers constantly see and hear ads for car insurance savings from companies such as Progressive, Geico, Allstate and State Farm. They all seem to make an identical promise that you’ll save big if you move your policy.

How do they all make the same claim?

All the different companies are able to cherry pick for the type of customer that earns them a profit. An example of a preferred risk could possibly be between 25 and 40, insures multiple vehicles, and has excellent credit. A customer who meets those qualifications is entitled to the best price and therefore will save when switching.

Potential insureds who don’t measure up to the “perfect” profile will have to pay higher premiums and this can result in the driver buying from a lower-cost company. The ads state “people who switch” but not “drivers who get quotes” save that kind of money. That’s why insurance companies can claim big savings.

Because of the profiling, drivers must get as many quotes as possible. It’s just too difficult to predict the company that will fit your personal profile best.

Best discounts on 2008 Honda Ridgeline coverage

The price of auto insurance can be rather high, but discounts can save money and there are some available that can drop the cost substantially. Certain discounts will be triggered automatically at the time you complete a quote, but a few need to be specifically requested prior to getting the savings. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Distant Student – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Low Mileage – Keeping the miles down on your Honda can earn lower rates on the low mileage vehicles.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class in school.
  • Sign Early and Save – A few companies offer discounts for buying a policy prior to your current policy expiration. It can save you around 10%.
  • Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less on Ridgeline coverage than drivers with accidents.
  • Homeowners Pay Less – Owning a home may trigger a insurance coverage policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Some only apply to individual premiums such as comprehensive or collision. So when it seems like you can get free auto insurance, insurance coverage companies aren’t that generous. Any qualifying discounts will cut your overall premium however.

Car insurance companies that may have these money-saving discounts are:

Double check with each company which discounts they offer. Discounts might not apply in your area.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there really is no one size fits all plan. Every situation is different.

Here are some questions about coverages that can help discover if you would benefit from professional advice.

  • Does insurance cover tools stolen from my truck?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • I have a DUI can I still get coverage?
  • Can my babysitter drive my car?
  • Do I need replacement cost coverage on my 2008 Honda Ridgeline?
  • Is other people’s property covered if stolen from my vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • Are rental cars covered under my policy?
  • What happens if I owe more than my 2008 Honda Ridgeline is worth?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Insurance coverages 101

Understanding the coverages of insurance helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Auto collision coverage

Collision coverage pays for damage to your Ridgeline resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sideswiping another vehicle, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 2008 Honda Ridgeline.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hitting a bird, a broken windshield, theft and falling objects. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses for things like X-ray expenses, funeral costs and nursing services. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Liability car insurance

Liability coverage will cover damages or injuries you inflict on people or other property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as court costs, funeral expenses, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

At the end of the day…

As you go through the steps to switch your coverage, it’s not a good idea to buy poor coverage just to save money. In many instances, someone sacrificed liability limits or collision coverage only to find out they didn’t have enough coverage. Your goal should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Cheap 2008 Honda Ridgeline insurance can be bought both online and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

In this article, we covered many ways to get a better price on insurance. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even discover the lowest priced auto insurance comes from a small mutual company.

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