Insure Your Honda Ridgeline For Less Than You Are Paying Now
If shopping for auto insurance was more enjoyable, it would get done more often. But it's actually not a real enjoyable process for the majority of people and we always seem to end up paying too much. You might feel the same pain when having to pay the bill on your Honda Ridgeline.
Step One: Compare Rates
The old-fashioned method of shopping for car insurance included visiting several local insurance agents and being on the receiving end of a hard sell tactic. Now you can compare rates and buy a policy online!
Getting online rate quotes for a Honda Ridgeline from all the major insurance companies is very easy and only requires you to enter your information once.
Take the first step by clicking the link below. By answering a few questions you'll be able to compare rates quickly and easily.
Quote Tip! In order to accurately compare rates for your Ridgeline, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.
Step Two: Best Ways to Lower your Ridgeline Insurance Cost
Now that you have several rates to compare (since you did compare rates above, right?), we will now show you some additional ways you can lower your Ridgeline insurance rates.
- If you're over the age of 55, check to see if you qualify for a senior citizen discount. Qualification age may vary by company
- Check your credit rating each year and address any problem areas. Higher credit scores mean lower car insurance rates.
- If you've recently completed a driver's training or safety course, tell your insurance company. You may qualify for a 5-10% discount.
- If your vehicle comes with safety features such as electronic stability control, head restraints, all-wheel drive or air bags, these all help keep insurance costs down by helping reduce accident injuries.
- If you carry full coverage on your vehicle, you can slash your rates by increasing your comprehensive and collision deductibles. You'll pay more out-of-pocket but you will save with every renewal.
- Vehicle thefts drive up the cost of everyone's insurance, but if your Ridgeline is on the list of the most frequently stolen cars, you might be paying just a little extra.
- Small claims that may only exceed your physical damage deductibles by a small amount are better off not being submitted to your company. Just pay the extra hundred dollars or two and keep a claim-free discount on your policy.
- Homeowners often see a break on their car insurance rates because there is a correlation between owning a home and being a responsible driver.
- Speeding not only costs you a fine, a single ticket will raise your car insurance rates for up to three years. Slow down and be a safe driver and you'll pay lower rates.
- Teen drivers have a tendancy to learn the hard way when driving, and that means having a few fender-benders. Rating them on a high profile newer vehicle can be very expensive so you might consider buying an older model vehicle for them to drive and only insure it with liability coverage.
- Gaps in insurance coverage will cause problems for your insurance rates. Don't let your policy expire without having new coverage in place.
Step Three: Choose the Right Company for You
Purchasing an insurance policy is more than just clicking a button. You need to have funds available to make payment and you need to be sure that the coverages are adequate for your personal situation.
Car insurance policies don't have to be cancelled at the renewal date, but just be sure the new policy starts the same day you cancel your old policy. This avoids any gaps in coverage between policies.
If the Honda Ridgeline is a new purchase and you already have car insurance, then you will have some coverage that extends to the vehicle. But if you let your old policy lapse or have never had coverage, you don't have any protection once you buy the vehicle. The coverage extended to an add-on vehicle is only as good as the coverage on existing vehicles, so if none of your current insured vehicles have full coverage, your new Ridgeline won't have it either. So in that case, it's important to call your agent or company directly from the dealership and have them bind coverage immediately.
The proof-of-insurance card that is required by state law to be carried in your vehicle can be printed out upon completion of your car insurance policy. If you are required to file an SR-22 with your state, your new insurance company will take care of that for you. If you cancel your coverage for any reason, you risk the loss of your driver's license.
Other Insurance Resources
To do more research on car insurance, visit the Insurance Information Institute website.
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