Cheapest 2007 Honda Ridgeline Insurance Rates in 2023
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UPDATED: Jun 4, 2023
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Are you sick and tired of paying out the nose each month for car insurance? You’re in the same situation as millions of other consumers. With so many online and local companies to choose from, it’s difficult to pick the best car insurance company.
Discounts are great for lower rates
Companies don’t necessarily list all their discounts in a way that’s easy to find, so we break down some of the more common and the more hidden savings tricks you should be using. If you aren’t receiving every discount you qualify for, you are paying more than you should be.
- Senior Citizens – Older drivers may qualify for reduced rates for Ridgeline insurance.
- Accident Waiver – Certain companies will forgive one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
- Safety Course Discount – Taking a course in driver safety can save you 5% or more if you qualify.
- Auto/Life Discount – Select insurance companies reward you with a break if you buy auto and life insurance together.
- Good Student – A discount for being a good student can earn a discount of 20% or more. The discount lasts up until you turn 25.
- Organization Discounts – Being a member of certain professional organizations is a good way to get lower rates when buying insurance for Ridgeline insurance.
- Bundle and Save – If you have multiple policies with the same insurance company you will save approximately 10% to 15%.
- Passive Restraints and Air Bags – Factory air bags or automatic seat belts may earn rate discounts of 20% or more.
- Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts can save 10% or more off your medical payments premium.
It’s important to understand that most credits do not apply the whole policy. A few only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way.
A partial list of companies who might offer some of the above discounts include:
It’s a good idea to ask each insurance company how you can save money. Savings may not be available in your area.
How to Lower Your Auto Insurance Cost
Most companies give pricing on the web. The process doesn’t take a lot of time as you simply enter the amount of coverage you want into a form. After you submit the form their rating system automatically retrieves reports for credit and driving violations and generates pricing information based on these factors. This makes comparing rates easy, but the time required to go to different websites and type in the same information can get tiresome after awhile. But it’s absolutely necessary to do this if you want to find the lowest possible prices on auto insurance.
Compare rates the easy way
The quickest way to compare auto insurance pricing uses one form to return rates from several companies at one time. This type of form saves time, eliminates form submissions, and makes quoting online much more enjoyable and efficient. Immediately after you send the form, it is rated and you can select any one of the quotes that you receive. If the quotes result in lower rates, you can simply submit the application and purchase the new policy. The whole process just takes a couple of minutes and you will know how your current rates stack up.
To quickly use this form to compare rates, simply click here to open in new window and fill out the form. If you have your current policy handy, we recommend you copy the limits and deductibles as close as possible to your current policy. This ensures you’re receiving rate comparison quotes for similar insurance coverage.
You may need specialized coverage
When choosing the best insurance coverage coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions can help discover if you could use an agent’s help.
- Am I covered when driving on a suspended license?
- Am I covered if hit by an uninsured driver?
- Do I have coverage when making deliveries for my home business?
- When would I need rental car insurance?
- Can I get a multi-policy discount?
- If my pet gets injured in an accident are they covered?
- Am I covered if I drive in a foreign country?
- How high should deductibles be on a 2007 Honda Ridgeline?
- Is extra glass coverage worth it?
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.
Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types available from insurance companies.
Collision – This covers damage to your Ridgeline resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for claims like scraping a guard rail, rolling your car and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.
Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like ambulance fees, EMT expenses and funeral costs. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible
Auto liability – Liability insurance will cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.
Liability coverage pays for things like bail bonds, funeral expenses, structural damage and pain and suffering. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.
Comprehensive (Other than Collision) – This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like falling objects, vandalism and theft. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2007 Honda Ridgeline.
Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.
A fool and his money are soon parted
While you’re price shopping online, you should never reduce needed coverages to save money. In too many instances, consumers will sacrifice collision coverage and learned later they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at the best price while not skimping on critical coverages.
Affordable 2007 Honda Ridgeline insurance can be bought both online as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. Some auto insurance companies don’t offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.
For more information, feel free to browse the articles below:
- Rollover Crash FAQ (iihs.org)
- Tools for Teen Driving Safety (State Farm)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
- Insurance Losses by Make and Model (iihs.org)
- Teen Driver Statistics (Insurance Information Insitute)
Frequently Asked Questions
Can I buy affordable insurance online or through independent agents?
Affordable insurance can be purchased both online and through independent agents. Some insurance companies provide online quotes, while others work exclusively through local independent agents. Comparing options from both sources can help you find the best coverage at a competitive price.
Should I sacrifice coverage to save money?
It’s not recommended to reduce needed coverages to save money. While it’s important to find affordable insurance, sacrificing essential coverage may leave you underinsured. It’s best to balance cost savings with adequate coverage.
What are some typical coverage types available for auto insurance?
Typical coverage types include collision coverage (for damage resulting from a collision), medical expense insurance (covering short-term medical expenses), auto liability (covering damage to others’ property or people), comprehensive coverage (for damage caused by events like theft or vandalism), and protection from uninsured/underinsured drivers.
Do I need specialized coverage for my 2007 Honda Ridgeline?
The best insurance coverage for your vehicle depends on your specific needs. Factors such as driving on a suspended license, coverage when hit by an uninsured driver, rental car insurance, and coverage when driving in a foreign country may require additional consideration. It’s advisable to consult a licensed insurance agent for personalized advice.
Can I save money by combining my auto insurance with other policies?
Yes, many insurance companies offer discounts when you bundle multiple policies, such as auto and life insurance, with them. This can result in savings of approximately 10% to 15%.
Do all insurance companies offer the same discounts?
No, discounts may vary among insurance companies. It’s recommended to ask each insurance company directly about the discounts they offer, as availability may differ based on your location.
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