2008 Honda Ridgeline Car Insurance Rates – 8 Tricks for Cheapest Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Nov 16, 2021

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Drivers have a choice when trying to find the best price on Honda Ridgeline insurance. You can either spend your time contacting agents to get rate comparisons or use the internet to make rate comparisons.

There are more efficient ways to find auto insurance online and you need to know the quickest way to quote coverages for a new or used Honda and find the lowest possible price from both online companies and local agents.

You should take the time to compare prices yearly because rates are variable and change quite frequently. If you had the lowest price for Ridgeline coverage six months ago there may be better deals available now. So ignore everything you know about auto insurance because you’re going to get a crash course in the things you must know in order to save on auto insurance.

Finding Car Insurance Deals

All major car insurance companies like State Farm and Allstate allow you to get insurance quotes on their websites. Getting online rates is fairly simple as you just enter your coverage information into a form. After you submit the form their system gets information on your driving record and credit history and generates a price based on these factors.

Online price quotes makes it a lot easier to compare rates but the process of having to visit different websites and enter the same data into a form can be a bit tiresome and repetitive. Unfortunately, it is important to compare as many rates as possible if you want to find lower prices.

An easier way to compare rates utilizes a single form to return rates from a bunch of companies at once. This type of form saves time, eliminates repetitive work, and makes online quotes much more enjoyable. As soon as the form is sent, it is rated and you can select any of the price quotes you receive.

If you find a better price it’s easy to complete the application and purchase coverage. This process only takes a few minutes and you will know how your current rates stack up.

To use this form to compare rates, click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you complete the form with deductibles and limits identical to your current policy. This helps ensure you will have a rate comparison based on identical coverages.

Are you getting all your discounts?

Insurance can cost an arm and a leg, but you can get discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time of purchase, but some may not be applied and must be inquired about prior to getting the savings. If you’re not getting every credit you qualify for, you are throwing money away.

  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
  • Homeowners Pay Less – Being a homeowner can save you money because maintaining a house requires personal responsibility.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% for Ridgeline coverage with certain companies.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Low Mileage Discounts – Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Senior Citizens – Mature drivers can possibly qualify for better insurance coverage rates for Ridgeline coverage.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.

Keep in mind that some credits don’t apply the whole policy. Some only apply to individual premiums such as collision or personal injury protection. So when it seems like you could get a free insurance coverage policy, companies wouldn’t make money that way. Any amount of discount will reduce the amount you have to pay.

Insurance companies that may offer these discounts include:

  • American Family
  • Nationwide
  • MetLife
  • 21st Century
  • Farmers Insurance
  • Allstate

Double check with all companies you are considering which discounts they offer. All car insurance discounts might not apply in your state.

Tailor your coverage to you

When choosing coverage for your personal vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions could help you determine whether or not you could use an agent’s help.

  • Do I have coverage for damage caused while driving under the influence?
  • Is my 2008 Honda Ridgeline covered for flood damage?
  • Can I get a multi-policy discount?
  • How high should deductibles be on a 2008 Honda Ridgeline?
  • How high should my uninsured/underinsured coverage be in my state?
  • What vehicles should carry emergency assistance coverage?
  • Do I have any recourse if my insurance company denies a claim?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Auto insurance 101

Knowing the specifics of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Comprehensive coverages

This covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as fire damage, falling objects and hail damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as driving through your garage door, rolling your car, hitting a parking meter and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like rehabilitation expenses, surgery and nursing services. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverage

This protects you from injuries or damage you cause to a person or their property by causing an accident. It protects you from claims by other people, 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 liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as structural damage, legal defense fees, bail bonds, loss of income and pain and suffering. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Smart shoppers get results

We just covered many ideas to lower your 2008 Honda Ridgeline insurance rates. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the best prices are with a company that doesn’t do a lot of advertising.

Affordable insurance is definitely available on the web in addition to many insurance agents, and you need to comparison shop both to have the best rate selection. Some companies do not provide online quoting and these regional insurance providers work with independent agents.

When shopping online for car insurance, it’s very important that you do not skimp on critical coverages to save a buck or two. In too many instances, an insured cut liability coverage limits and found out when filing a claim they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage at the best price while still protecting your assets.

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