Are you searching for lower-priced insurance rates in Phoenix, AZ? Phoenix consumers have options when looking for the best price on Honda Ridgeline insurance. They can either spend hours struggling with agents to get rate comparisons or leverage the internet to make rate comparisons.
There are both good and bad ways to shop for insurance so you’re going to learn the best way to compare rates for a new or used Honda and get the lowest price either online or from Phoenix insurance agents.
Consumers should take time to compare rates periodically because insurance prices tend to go up over time. Despite the fact that you may have had the best deal on Honda Ridgeline insurance in Phoenix a few years ago you can probably find a lower rate today. Block out anything you think you know about insurance because you’re about to learn the things you must know in order to properly buy coverages and cut your premium.
If you have a current car insurance policy or are just looking to switch companies, you can follow these tips to buy cheaper car insurance without having to cut coverage. Our objective is to help you learn how to effectively get price quotes and some money-saving tips. Shoppers just need to understand how to shop for car insurance on the web.
Cheap Honda insurance rates in Phoenix
The companies shown below can provide comparison quotes in Phoenix, AZ. If multiple providers are shown, it’s a good idea that you visit several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ridgeline RT 4WD||$162||$324||$382||$22||$114||$1,004||$84|
|Ridgeline RTS 4WD||$148||$226||$348||$20||$104||$846||$71|
|Ridgeline RTL 4WD||$182||$364||$382||$22||$114||$1,064||$89|
|Ridgeline RTL W/Navigation 4WD||$138||$284||$382||$22||$114||$940||$78|
|Get Your Own Custom Quote Go|
Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Prices do not factor in the specific area where the vehicle is garaged which can influence price quotes substantially.
Gender-based auto insurance rates by age
The chart below visualizes the comparison of Honda Ridgeline auto insurance costs for male and female drivers. The premium estimates are based on no claims, a clean driving record, full physical damage coverage, $100 deductibles, drivers are not married, and no additional discounts are factored in.
How accidents and tickets impact rates
The chart below shows how violations and at-fault accidents influence Honda Ridgeline insurance rates for different categories of driver ages. The data assumes a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.
Full coverage rates compared to liability-only
The illustration below shows the difference between Honda Ridgeline car insurance costs with and without full coverage. The rate quotes are based on no claims or driving citations, $100 deductibles, married male driver, and no policy discounts are applied.
Should you pay for full coverage or liability only?
There isn’t a steadfast formula of when to eliminate physical damage coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than around 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let’s assume your Honda Ridgeline claim settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $3,000 after paying your deductible. If it’s costing you more than $300 annually for full coverage, then it could be time to drop full coverage.
There are a few situations where removing full coverage is not a good idea. If you still owe a portion of the original loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage.
Lower rates by qualifying for these ten discounts
Companies offering auto insurance don’t always advertise every possible discount in a way that’s easy to find, so the list below details a few of the more well known and the harder-to-find credits available to you.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower premium rate if you buy auto and life insurance together.
- Driver Safety – Taking a course in driver safety could save 5% or more and easily pay for the cost of the class.
- Organization Discounts – Belonging to a civic or occupational organization in Phoenix could trigger savings when getting a Phoenix auto insurance quote.
- Active Service Discounts – Being on active deployment in the military could trigger a small discount.
- Home Ownership Discount – Just being a homeowner can help you save on insurance because owning a home is proof that your finances are in order.
- Federal Government Employee – Active or former government employment could provide a small rate reduction with a few insurance companies.
- Discounts for Safe Drivers – Drivers without accidents may save up to 50% more than drivers with accidents.
- Anti-theft Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen less frequently and can earn a small discount on your policy.
- No Charge for an Accident – This one is not really a discount per se, but some companies like GEICO, Progressive, and Allstate will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
- Telematics Discount – Insureds that choose to allow driving data collection to scrutinize their driving habits by installing a telematics device such as State Farm’s In-Drive could see a rate decrease if their driving habits are good.
It’s important to note that most discount credits are not given to the whole policy. Some only apply to specific coverage prices like liability and collision coverage. So when it seems like all those discounts means the company will pay you, you aren’t that lucky. But all discounts will definitely reduce the cost of your policy.
The best insurance companies and their offered discounts are outlined below.
- 21st Century offers discounts for homeowners, defensive driver, driver training, student driver, and anti-lock brakes.
- Progressive has savings for good student, online signing, multi-policy, online quote discount, homeowner, and multi-vehicle.
- State Farm has discounts for driver’s education, passive restraint, good driver, good student, and anti-theft.
- Nationwide includes discounts for multi-policy, business or organization, easy pay, family plan, and good student.
- Esurance policyholders can earn discounts including Switch & Save, multi-car, multi-policy, online shopper, good student, and homeowner.
- The Hartford discounts include anti-theft, good student, vehicle fuel type, bundle, driver training, air bag, and defensive driver.
Before you buy a policy, ask every prospective company which credits you are entitled to. Some of the earlier mentioned discounts might not be available to policyholders in your state.
You are unique and your car insurance should be too
When choosing the best car insurance coverage for your personal vehicles, there really isn’t a one size fits all plan. Every insured’s situation is different and your policy should reflect that. For example, these questions might help in determining whether you might need professional guidance.
- How does medical payments coverage work?
- Do I have coverage for damage caused while driving under the influence?
- Does my policy cover me if I wreck while driving under the influence?
- Does my liability insurance cover pulling a trailer or camper?
- Do I really need UM/UIM coverage?
- Will I be non-renewed for getting a DUI or other conviction?
- Is business property covered if stolen from my car?
If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.
Exclusive versus independent insurance agents
A small number of people prefer to get advice from a local agent and that can be a smart move Good agents can help you build your policy and help you file claims. One of the benefits of comparing auto insurance online is that you can obtain lower rates and still buy from a local agent. And providing support for small agencies is important particularly in Phoenix.
Once you complete this simple form, your coverage information is submitted to agents in your area that can give you free Phoenix auto insurance quotes and help you find cheaper coverage. You won’t need to search for any insurance agencies due to the fact that quote results will go to your email. If you wish to quote rates from a particular provider, don’t hesitate to go to their quote page and fill out the quote form the provide.
Exclusive or Independent: There is a difference
When looking for an insurance agent, it’s helpful to know the different types of agents and how they can quote your rates. Insurance agencies in Phoenix can be classified as either independent or exclusive depending on the company they work for. Either can properly insure your vehicles, but it is important to understand the difference in how they write coverage because it may have an impact on the selection process.
Independent Auto Insurance Agencies or Brokers
Agents of this type are not restricted to one company so they can insure your vehicles through many companies and potentially find a lower price. To move your coverage to a new company, the agent simply finds a different carrier and you don’t have to do anything. When comparing auto insurance prices, we recommend you check rates from several independent insurance agents to get the best comparison. They also have the ability to place coverage with companies that do not advertise much that can offer cheaper rates than bigger companies.
Shown below is a list of independent insurance agents in Phoenix that can give you free price quotes.
- Rodriguez Insurance
5720 N 27th Ave – Phoenix, AZ 85017 – (602) 242-5303 – View Map
- American Premier Insurance Agency
16815 S Desert Foothills Pkwy #140 – Phoenix, AZ 85048 – (480) 423-3444 – View Map
- Fasula Kaplan Insurance Agency
11022 N 28th Dr Suite 125 – Phoenix, AZ 85029 – (602) 564-0880 – View Map
Exclusive Insurance Agencies
Agents of this type generally can only insure with one company like State Farm, Allstate and AAA. They are unable to shop your coverage around so it’s a take it or leave it situation. Exclusive agencies are trained well on their company’s products which can be an advantage. Many people buy from exclusive agents mostly because of the prominent brand name and the convenience of having all coverages with one company.
Listed below is a short list of exclusive agents in Phoenix that are able to give price quote information.
- Andy Carrillo – State Farm Insurance Agent
4713 E Southern Ave – Phoenix, AZ 85042 – (602) 426-8088 – View Map
- Jacob Rosell – State Farm Insurance Agent
2218 N 24th St – Phoenix, AZ 85008 – (602) 267-8200 – View Map
- Douglas Cheung – State Farm Insurance Agent
2600 N 44th St #110 – Phoenix, AZ 85008 – (602) 840-6655 – View Map
Choosing the best insurance agency requires you to look at more than just a low price. These are some questions you should get answers to.
- Is the coverage adequate for your vehicle?
- Do they regularly work with personal auto policies in Phoenix?
- Do they reduce claim amounts on high mileage vehicles?
- Can you contact them at any time?
- Did they already check your driving record and credit reports?
If you feel you receive answers to your satisfaction for all questions you ask and a low price estimate, most likely you have located a car insurance agent that is professional and can adequately provide auto insurance.
Big names are not always cheapest
Consumers in Arizona can’t avoid all the ads for the lowest price insurance by companies like Progressive, Allstate and GEICO. All the companies make an identical promise that drivers will save a bundle just by switching your coverage to them.
It sounds good, but how can they all charge less that you’re paying now? It’s all in how they say it.
Insurance companies have specific guidelines for the type of customer that earns them a profit. For instance, a desirable risk could be a married female, insures multiple vehicles, and has a high credit rating. A propective insured that meets those criteria gets the lowest rates and as a result will probably cut their Honda Ridgeline insurance rates if they switch.
Drivers who cannot meet this ideal profile may be forced to pay more expensive rates and this can result in the driver buying from a lower-cost company. If you pay attention, the ads say “drivers that switch” but not “all drivers who get quotes” save that much. That’s why insurance companies can confidently claim big savings.
This really illustrates why you absolutely need to compare quotes as often as possible. Because you cannot predict which insurance companies will provide you with the cheapest Honda Ridgeline insurance in Phoenix.
Auto insurance coverage considerations
Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. These are the normal coverages found on most auto insurance policies.
This pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like sustaining damage from a pot hole, damaging your car on a curb, driving through your garage door, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible on your Ridgeline in order to get cheaper collision rates.
Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like a broken windshield, hail damage, a tree branch falling on your vehicle and rock chips in glass. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Coverage for liability
This will cover damage or injury you incur to other people or property in an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 15/30/10 that means you have $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage protects against things such as structural damage, loss of income, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford. Arizona state law requires minimum liability limits of 15/30/10 but drivers should carry more coverage.
Uninsured and underinsured coverage
This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Since many Arizona drivers have only the minimum liability required by law (which is 15/30/10), their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Coverage for medical payments
Coverage for medical payments and/or PIP provide coverage for immediate expenses for pain medications, chiropractic care, EMT expenses, doctor visits and nursing services. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay
Frequent quotes can save
When searching for the cheapest Honda Ridgeline rate quotes, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed full coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to purchase plenty of coverage at the lowest possible cost, but don’t skip important coverages to save money.
We just presented some good ideas how to save on Honda Ridgeline insurance in Phoenix. The key thing to remember is the more you quote Phoenix auto insurance, the better likelihood of getting affordable Honda Ridgeline insurance quotes. You may even find the lowest priced insurance comes from a small mutual company. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.
Some insurance companies do not offer online quoting and these small, regional companies sell through independent agents. Lower-priced insurance in Phoenix is definitely available both online in addition to local insurance agencies, so compare prices from both in order to have the best price selection to choose from.
Additional insurance information can be found on the following sites:
- Distracted Driving Statistics (Insurance Information Institute)
- Who Has Affordable Phoenix Car Insurance Quotes for a 20 Year Old Male? (FAQ)
- How Much is Phoenix Auto Insurance for Drivers with a DUI? (FAQ)
- What Car Insurance is Cheapest for Drivers Requiring a SR22 in Phoenix? (FAQ)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Distracted Driving Extends Beyond Texting (State Farm)