2011 Honda Ridgeline Insurance Quotes – 9 Discounts for Best Rates

I can’t think of anyone who likes having to buy insurance, in particular when their premiums are through the roof.

Consumers have many auto insurance companies to purchase coverage from, and although it’s nice to have multiple companies, so many choices can make it hard to find a good deal.

Take advantage of discounts

Car insurance companies don’t always list all their discounts very clearly, so we break down both the well known and the harder-to-find discounts you could be receiving.

  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Life Insurance Discount – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • No Charge for an Accident – A handful of insurance companies will allow you to have one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Paperwork-free – Certain companies give back up to $50 for buying your policy online.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current expiration date. The savings is around 10%.
  • New Car Discount – Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can get savings of up to 25% or more.
  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Organization Discounts – Participating in a civic or occupational organization is a good way to get lower rates when shopping for insurance on Ridgeline insurance.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Some only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, companies wouldn’t make money that way.

For a list of providers who offer insurance discounts, follow this link.

How to know if you need help

When buying the best auto insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions may help you determine whether your personal situation might need an agent’s assistance.

  • When do I need to add a new car to my policy?
  • When can my company non-renew my policy?
  • What is PIP insurance?
  • What are the financial responsibility laws in my state?
  • Am I covered when pulling a rental trailer?
  • Will filing a claim cost me more?
  • Am I covered if I wreck a rental car?
  • How much liability do I need to cover my assets?
  • Where can I find DUI or SR-22 insurance?
  • Are split liability limits better than a combined single limit?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Auto insurance coverages

Knowing the specifics of a car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages offered by car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like vandalism, hitting a bird and hitting a deer. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverages – Collision coverage will pay to fix damage to your Ridgeline resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as backing into a parked car, scraping a guard rail, sideswiping another vehicle, colliding with a tree and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like pain medications, nursing services, ambulance fees, prosthetic devices and EMT expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance – This protects you from damage or injury you incur to other’s property or people that is your fault. Coverage consists of three different limits, 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 $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like medical expenses, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

More effort can pay off

Budget-conscious 2011 Honda Ridgeline insurance is definitely available on the web and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. A few companies do not offer online price quotes and these small insurance companies work with independent agents.

When you buy insurance online, never buy less coverage just to save a little money. Too many times, someone sacrificed collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your focus should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

We just presented a lot of tips how to reduce insurance prices online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the best prices are with a small mutual company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as State Farm, Geico and Nationwide.

Additional auto insurance information is located at the links below