It’s hard to believe, but over 70% of drivers have been with the same company for more than four years, and roughly 40% of drivers have never compared rates from other carriers. Consumers in Stockton can save almost $469 each year by just comparing rate quotes, but they underestimate how much they could save if they bought a different policy.
It takes a few minutes, but the best way to get discount Honda Ridgeline insurance is to make a habit of regularly comparing prices from companies that sell auto insurance in Stockton.
First, spend a few minutes and learn about individual coverages and the measures you can control to keep rates in check. Many rating criteria that cause rate increases such as at-fault accidents, speeding tickets, and a poor credit rating can be amended by making small lifestyle or driving habit changes.
Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like GEICO or Allstate, while independent agents can give you price quotes for a wide range of companies. Select a company
Third, compare the new quotes to your current policy to determine if you can save on Ridgeline insurance in Stockton. If you can save some money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, notify your agent or company to cancel your current car insurance policy and submit a completed application and payment to your new insurance company. Once the paperwork is finalized, safely store the proof of insurance certificate with the vehicle registration.
One piece of advice is to make sure you enter the same deductibles and limits on every quote request and and to look at as many auto insurance providers as possible. This provides an accurate price comparison and the best price selection.
Rates and statistics
The coverage table displayed next outlines different coverage prices for Honda Ridgeline models. Learning as much as possible about how rates are figured can help you make smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $206 | $416 | $604 | $36 | $180 | $1,442 | $120 |
| Ridgeline RTS 4WD | $234 | $416 | $604 | $36 | $180 | $1,470 | $123 |
| Ridgeline RTL 4WD | $234 | $490 | $604 | $36 | $180 | $1,544 | $129 |
| Ridgeline RTL W/Navigation 4WD | $234 | $490 | $604 | $36 | $180 | $1,544 | $129 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Premium amounts do not factor in vehicle location which can influence prices substantially.
Gender differences in auto insurance premiums
The chart below shows the comparison of Honda Ridgeline insurance costs for male and female drivers. The premiums assume no claims or violations, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are applied to the premium.
Does it make sense to buy full coverage?
The diagram below shows the comparison of Honda Ridgeline auto insurance rates with and without full coverage. The information is based on no driving violations, no at-fault accidents, $500 deductibles, marital status is single, and no other discounts are factored in.
When to stop buying full coverage
There is no definitive rule for phasing out physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s assume your Honda Ridgeline claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $7,000 after paying your policy deductible. If it’s costing in excess of $700 annually to have full coverage, then you may need to consider dropping full coverage.
There are some situations where dropping full coverage is not financially feasible. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
What Affects Honda Ridgeline Insurance Premiums?
When buying insurance it’s important to understand some of the factors that help determine your premiums. If you know what positively or negatively impacts your premiums, this enables you to make decisions that may result in lower premium levels.
Listed below are a few of the “ingredients” companies use to determine premiums.
Multiple policies with one company – Most larger insurance companies allow better rates for people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even though this discount sounds good, you still need to compare other Stockton Ridgeline insurance rates to make sure you are getting the best deal.
Never let your insurance expire – Driving your car without having proper coverage is a misdemeanor and you will pay a penalty because you let your coverage cancel without a new policy in place. In addition to paying higher rates, not being able to provide proof of insurance could earn you fines and jail time.
Insurance rates and your employer – Occupations such as lawyers, architects, and dentists are shown to have higher premium rates attributed to intense work-related stress and long work hours. On the other hand, occupations like professors, engineers and homemakers generally pay rates lower than average.
Avoid tickets and save – How you drive has a huge affect on how much you pay. Having just one citation can increase rates substantially. Drivers with clean records pay lower auto insurance prices than bad drivers. Drivers who get dangerous tickets such as DWI, reckless driving or hit and run convictions may face state-mandated requirements to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
The information below demonstrates how speeding tickets and at-fault fender-benders can raise Honda Ridgeline insurance costs for different ages of insureds. The rate quotes are based on a married female driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.
Getting married equates to better prices – Walking down the aisle may cut your premiums on insurance. It translates into being more mature than a single person it has been statistically shown that married drivers get in fewer accidents.
The lowest rates come from being thorough
We covered a lot of information how to reduce Honda Ridgeline insurance auto insurance rates online in Stockton. The key thing to remember is the more times you quote, the better your chances of lowering your premium rates. Drivers may even discover the lowest priced car insurance comes from a small local company. Regional companies can often provide lower premium rates in certain areas than their larger competitors like Progressive and GEICO.
Discount Honda Ridgeline insurance in Stockton is available from both online companies as well as from independent agents in Stockton, and you need to price shop both to have the best selection. Some insurance companies may not have online price quotes and usually these smaller providers only sell coverage through independent insurance agencies.
Additional detailed information is available in the articles below:
- Choosing a Car for Your Teen (State Farm)
- Who Has the Cheapest Auto Insurance for Teenage Males in Stockton? (FAQ)
- Who Has Affordable Car Insurance Quotes for Low Mileage Drivers in Stockton? (FAQ)
- Who Has Affordable Car Insurance After a Speeding Ticket in Stockton? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Retired Military in Stockton? (FAQ)
- How Much are Auto Insurance Rates for Single Moms in Stockton? (FAQ)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Should I Buy a New or Used Car? (Allstate)
- Child Safety Seats (Insurance Information Institute)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)