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Honda Ridgeline Insurance Rates

Drivers have lots of options when insurance shopping for your Honda vehicle. You can buy direct from your neighborhood insurance agent or get quotes online to compare insurance costs of multiple companies. Finding cheaper auto insurance online saves time, is easy to do, plus you will probably save money.

Finding the best direct price on auto insurance can be difficult if you are a beginner to online rate quotes. But don't be discouraged because there is an easy way to compare rates. Cutting your Ridgeline insurance cost is not rocket science. Drivers just need to take a couple of minutes comparing rates online from several insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Premiums are calculated by the following

Insurance rates on a Honda Ridgeline will vary greatly and are calculated by many factors. Including but not limited to:

  • High performance increases premiums
  • Your accident history
  • Home/auto policy bundles save money
  • Pleasure use vs. commuting use
  • Add-on coverages such as rental reimbursement
  • No claims lowers premiums
  • Maintaining coverage lowers rates
  • Home ownership saves money

One last important factor which can affect the rate you pay on your Honda is the year of manufacture. Models that are new have a higher actual cash value so the costs to repair will push premiums up. But newer vehicles may have options including a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection so those may help offset higher rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Ridgeline from the list below.

Liability coverage - This can cover damage or injury you incur to people or other property that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so purchase as much as you can afford.

Collision - This covers damage to your Honda 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 coverage for your Ridgeline can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverage - This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers 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.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP kick in for immediate expenses for things like EMT expenses, pain medications, and nursing services. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. PIP coverage is not an option in every state and may carry a deductible.

How Much are Honda Ridgeline Insurance Rates?