2016 Honda Ridgeline Insurance Cost – 5 Ideas for Best Prices

Finding affordable insurance coverage can seem to be nearly impossible for consumers not familiar with shopping for insurance online. Consumers have so many companies to choose from that it can quickly become a real challenge to find lower rates.

How to Compare Insurance Coverage Rates

When shopping for insurance coverage there are multiple ways to compare quotes and find the best price. By far the easiest way to find competitive 2016 Honda Ridgeline insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The single most time-saving way to get quotes is an all-inclusive rate comparison (click to open form in new window). This form prevents you from having to do separate quotation requests for every insurance coverage company. One quote request gets you coverage quotes from many national carriers. Just one form and you’re done.
  2. A slightly less efficient method to get comparison quotes is going to the website of each company to complete their respective quote request forms. For instance, we’ll pretend you want comparison quotes from Allstate, 21st Century and American Family. To get each rate you have to spend time on each company’s site and enter your information, which is why the first method is more popular. To view a list of companies in your area, click here.
  3. The hardest way to compare rates is driving around to insurance agents’ offices. Buying insurance online makes this process obsolete unless you prefer the professional advice of a local agent. It is possible to price shop your coverage online and get advice from an agent in your area and we’ll talk about that later.

However you get your quotes, make sure you use identical quote information for each price quote. If you compare different values for each quote it’s not possible to truly determine the lowest rate. Slightly different insurance coverages may result in large price differences. And when quoting insurance coverage, remember that quoting more gives you a better chance of getting a lower rate.

Do you qualify for a discount?

The price of auto insurance can be rather high, but discounts can save money and there are some available that you may not know about. Some discounts apply automatically when you get a quote, but some must be inquired about in order for you to get them.

  • Passive Restraints – Factory air bags or automatic seat belts can receive discounts of more than 20%.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings because maintaining a house demonstrates responsibility.
  • Seat Belt Usage – Drivers who require all occupants to use their safety belts could save 15% off your medical payments premium.
  • Early Switch Discount – A few companies offer discounts for signing up before your current expiration date. It’s a savings of about 10%.
  • Multiple Cars – Buying coverage for all your vehicles on one policy could earn a price break for each car.

Drivers should understand that some credits don’t apply the the whole policy. Some only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think you could get a free insurance coverage policy, it doesn’t quite work that way. Any amount of discount will cut the amount you have to pay.

A partial list of companies that may offer these benefits include:

Before buying, ask all companies you are considering which discounts they offer. All car insurance discounts might not be offered in your area.

What coverages do I need?

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions may help you determine whether you may require specific advice.

  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does insurance cover tools stolen from my truck?
  • How much liability coverage do I need in my state?
  • Are all vehicle passengers covered by medical payments coverage?
  • What vehicles should carry emergency assistance coverage?
  • Why do I need rental car insurance?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form.

Detailed coverages of your insurance policy

Having a good grasp of a insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Auto liability

Liability insurance protects you from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show 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. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as court costs, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive insurance

This pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from getting keyed, a tree branch falling on your vehicle, falling objects, hitting a bird and theft. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with a tree, rolling your car, damaging your car on a curb, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Honda Ridgeline.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these limits are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for short-term medical expenses like dental work, surgery, funeral costs and hospital visits. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Be a smart shopper

As you shop your coverage around, do not reduce needed coverages to save money. There are a lot of situations where an accident victim reduced liability coverage limits and found out when filing a claim that it was a big mistake. Your aim should be to purchase a proper amount of coverage at a price you can afford.

Low-cost 2016 Honda Ridgeline insurance can be sourced both online and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers do not offer online price quotes and most of the time these smaller companies sell through independent agents.

People change insurance companies for a number of reasons such as poor customer service, not issuing a premium refund, being labeled a high risk driver or even lack of trust in their agent. Whatever your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

Much more information about car insurance is available at the links below