2022 Honda Ridgeline Insurance Rates in 2024 – 9 Ways to Save

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 2, 2024

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Looking for cheaper car insurance rates for your Honda Ridgeline? Buying car insurance online may seem complicated initially if you haven’t ever used price quotes online. Don’t let the process intimidate you because finding better rates is actually fairly simple.

It’s a good idea to compare rates periodically because insurance prices are usually higher with each renewal. Just because you found the lowest price for Ridgeline insurance last year other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the fastest and easiest way to eliminate unnecessary coverages and save money.

How to compare auto insurance price quotes

To find affordable insurance quotes, there are several ways to compare rate quotes from companies that offer auto insurance in your state. The fastest way to compare 2022 Honda Ridgeline insurance prices is to perform an online rate comparison. It is quite easy and can be accomplished by using one of the methods below.

If you don’t have a lot of time, the easiest way to get quotes is an all-inclusive rate comparison. This form saves time by eliminating repetitive form submissions for every auto insurance company. One form gets insurance cost estimates from multiple low-cost companies. Just one form and you’re done.

A more difficult way to find lower rates requires a trip to the website of each company and go through the quote process again. For example, let’s assume you want rates from USAA, Progressive and Liberty Mutual. To get each rate you have to take the time to go to each site and repeatedly type in your coverage information, which is why first method is recommended.

Whichever way you choose to compare rates, be certain you are entering the same coverage limits with each company. If you have unequal deductibles or liability limits you will not be able to determine the lowest rate for your Honda Ridgeline. Slightly different insurance coverages or limits can result in a big premium difference. It’s important to know that making a lot of price comparisons will improve the odds of getting the best offered rates.

Car insurance policy discounts

The cost of insuring your cars can be expensive, but you might already qualify for some discounts that can drop the cost substantially. Some of these discounts will be visible when you get a quote, but a few must be manually applied prior to getting the savings.

  • Good Student – This discount can save 20 to 25%. The good student discount can last up until you turn 25.
  • Defensive Driving Course – Taking a course that instructs on driving safety could earn you a small percentage discount and easily recoup the cost of the course.
  • Own a Home – Owning your own home or condo can help you save on car insurance due to the fact that maintaining a home shows financial diligence.
  • Seat Belts Save – Drivers who require all vehicle occupants to wear their seat belts can save a little on the medical payments or PIP coverage costs.
  • Auto/Life Discount – Select insurance companies reward you with a small discount if you purchase a life insurance policy as well.
  • Senior Citizen Discount – Older drivers may qualify for a small discount on rates for Ridgeline insurance.
  • Discounts for Good Drivers – Safe drivers may receive a discount up to 45% for Ridgeline insurance than drivers with accident claims.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts may qualify for discounts of 20% or more.
  • Service Members Pay Less – Having a deployed family member may qualify for rate reductions.

Drivers should understand that most of the big mark downs will not be given to the entire cost. Most only cut specific coverage prices like comp or med pay. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.

Auto insurance companies that may offer policyholders these discounts include:

  • Progressive
  • MetLife
  • Mercury Insurance
  • Nationwide
  • AAA

It’s a good idea to ask each company or agent what discounts are available to you. Some of the discounts discussed earlier may not apply to policies in your area. For a list of companies that offer the discounts shown above, enter your zip code here.

How do I know if I need professional advice?

When buying proper insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique.

These are some specific questions might point out whether or not you could use an agent’s help.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I have coverage when using my vehicle for my home business?
  • Who is covered when they drive my 2022 Honda Ridgeline?
  • Which companies will insure high-risk drivers?
  • Should I have combined single limit or split liability limits?
  • Are rock chip repairs covered?
  • Is my custom paint covered by insurance?
  • Do I have coverage if my license is suspended?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find an agent in your area, fill out your zip code.

Be skeptical of insurance ads

Well-known insurance companies like State Farm and Allstate constantly bombard you with television, radio, and online ads. They all seem to make the same claim about savings if you switch to them. Is it even possible that every company can charge you a lower premium? It’s all in the numbers.

Insurance companies are able to cherry pick for a prospective insured they prefer to insure. One example of a profitable insured could be a married female, has a clear driving record, and drives less than 7,500 miles a year. A customer who fits those characteristics will get the preferred rates and have a good chance to save if they switch.

Consumers who don’t qualify for those criteria must pay more expensive rates which translates to the customer not purchasing. Company advertisements say “people that switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way insurance companies can confidently make it sound like they have such great rates. This really illustrates why drivers must compare free insurance quotes often. It’s just not possible to know with any certainty which company will have the best prices at this point in time.

Auto insurance coverage basics

Knowing the specifics of your auto insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

UM/UIM Coverage – This gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Honda Ridgeline.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive or Other Than Collision – This covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, damage from flooding and a broken windshield. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability auto insurance – Liability coverage provides protection from damage that occurs to a person or their property in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as bail bonds, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with another moving vehicle, sustaining damage from a pot hole and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Medical costs insurance – Med pay and PIP coverage pay for expenses for things like surgery, doctor visits, funeral costs and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

One last thing

People change insurance companies for a number of reasons such as delays in responding to claim requests, unfair underwriting practices, denial of a claim and even lack of trust in their agent. Whatever your reason, choosing a new company is easier than you think.

As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. In many cases, an accident victim reduced full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy enough coverage at an affordable rate, not the least amount of coverage.

You just learned many ideas to lower your 2022 Honda Ridgeline insurance rates. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding cheap insurance. You may even discover the biggest savings come from a smaller regional carrier.

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