Scraping up a payment for overpriced Honda Ridgeline insurance can dwindle your personal savings and put the squeeze on your family’s finances. Comparison shopping is free and is an excellent way to make sure you’re not throwing money away. Big companies like State Farm, Allstate, GEICO and Progressive persitently shower you with catchy ads and it is difficult to ignore the flashy ads and do the work needed to find the best deal.
It’s a good habit to shop coverage around once or twice a year because insurance rates tend to go up over time. If you had the lowest price on Ridgeline coverage six months ago there may be better deals available now. Forget all the misinformation about auto insurance because we’re going to demonstrate how to quote online to reduce your cost while improving coverage.
These discounts can lower your rates
Insuring your vehicles can cost a lot, buy you may qualify for discounts to cut the cost considerably. Some trigger automatically when you quote, but some may not be applied and must be requested specifically before you get the savings. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.
- Defensive Driving Course – Taking a defensive driving course could cut 5% off your bill depending on where you live.
- Auto/Life Discount – Larger companies have a discount if you purchase a life insurance policy as well.
- Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can receive discounts of more than 20%.
- Homeowners Savings – Being a homeowner can save you money because maintaining a house is proof that your finances are in order.
- Employee of Federal Government – Active or retired federal employment could cut as much as 10% off on Ridgeline coverage with certain companies.
A little note about advertised discounts, most discounts do not apply to the entire policy premium. A few only apply to individual premiums such as medical payments or collision. So when it seems like having all the discounts means you get insurance for free, you’re out of luck. But all discounts will reduce the amount you have to pay.
To see a list of insurers offering auto insurance discounts, click here.
Final thoughts
Cheaper Honda Ridgeline insurance can be sourced online as well as from independent agents, so you should be comparing quotes from both to have the best selection. Some insurance companies don’t offer online quoting and most of the time these smaller companies sell through independent agents.
When buying insurance coverage, do not reduce coverage to reduce premium. There are too many instances where consumers will sacrifice liability limits or collision coverage and learned later they didn’t purchase enough coverage. The proper strategy is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.
