Best Ways to Save on Long Beach Honda Ridgeline Insurance

It’s safe to assume that car insurance companies want to keep you from shopping around. Consumers who compare rates annually are highly likely to move their business because there are good odds of finding a lower rate. A recent study showed that drivers who shopped around every year saved an average of $3,450 over four years compared to drivers who never compared prices.

If finding budget-friendly Honda Ridgeline insurance is your ultimate objective, then having an understanding of how to get free comparison quotes and analyze coverage rates can make it simple to find affordable coverage.

Insurance quote for Honda Ridgeline in Long BeachReally, the only way to find cheaper prices for Honda Ridgeline insurance is to compare prices regularly from companies who provide auto insurance in Long Beach.

A valuable tip to remember is that you’ll want to compare the same physical damage deductibles and liability limits on every quote and and to get quotes from as many auto insurance providers as possible. Doing this provides an accurate price comparison and the best price selection.

Finding a better price on insurance is an easy way to save money. The only requirement is to spend a few minutes on the computer to get quotes to find the company with cheaper Long Beach auto insurance quotes.

The car insurance companies shown below can provide price quotes in Long Beach, CA. If multiple companies are listed, we recommend you click on several of them to get a more complete price comparison.

Affordable Long Beach auto insurance rates with discounts

The cost of insuring your cars can be expensive, but you may be missing some discounts that could help you make your next renewal payment. Many discounts should be triggered at quote time, but once in a while a discount must be asked for before being credited.Save money with discounts

We need to note that most discounts do not apply to the overall cost of the policy. Most cut specific coverage prices like medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way.

The diagram below compares Honda Ridgeline auto insurance rates with and without some available policy discounts. The price estimates are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, marriage, safe-driver, and claim-free discounts applied.

Larger auto insurance companies and their offered discounts can be read below.

When getting free Long Beach auto insurance quotes, it’s a good idea to each insurance company to give you their best rates. Some of the discounts discussed earlier might not be offered in Long Beach. To find companies offering auto insurance discounts in California, click this link.

Honda Ridgeline coverage statistics

The rate information displayed below showcases different rate quotes for Honda Ridgeline models. Understanding how auto insurance prices are calculated can help customers make informed decisions when comparing rate quotes.

Honda Ridgeline Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ridgeline RT 4WD $326 $708 $564 $34 $168 $1,800 $150
Ridgeline RTS 4WD $370 $708 $564 $34 $168 $1,844 $154
Ridgeline RTL 4WD $370 $834 $564 $34 $168 $1,970 $164
Ridgeline RTL W/Navigation 4WD $370 $834 $564 $34 $168 $1,970 $164
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Estimates do not factor in specific garaging location which can change premium rates significantly.

How high should deductibles be?

One of the more difficult decisions when buying insurance is where to set your physical damage deductibles. The tables below outline the difference in cost when you select higher and lower physical damage deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second rate table uses a $1,000 deductible.

Honda Ridgeline insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ridgeline RT 4WD $380 $686 $500 $30 $150 $1,771 $148
Ridgeline RTS 4WD $430 $686 $500 $30 $150 $1,821 $152
Ridgeline RTL 4WD $430 $810 $500 $30 $150 $1,945 $162
Ridgeline RTL W/Navigation 4WD $430 $810 $500 $30 $150 $1,945 $162
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Honda Ridgeline insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ridgeline RT 4WD $210 $362 $500 $30 $150 $1,252 $104
Ridgeline RTS 4WD $238 $362 $500 $30 $150 $1,280 $107
Ridgeline RTL 4WD $238 $426 $500 $30 $150 $1,344 $112
Ridgeline RTL W/Navigation 4WD $238 $426 $500 $30 $150 $1,344 $112
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in vehicle location which can revise rates substantially.

Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $47 more each month or $564 every year than choosing the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you go more than 19 months between claim filings, you would save money if you choose the higher deductible.

Age, gender, and Honda Ridgeline insurance

The information below shows the comparison of Honda Ridgeline auto insurance rates for male and female drivers. The prices are based on no violations or accidents, comp and collision included, $250 deductibles, single status, and no discounts are factored in.

Exclusive or independent insurance agents

A small number of people prefer to visit with an insurance agent and doing that can be a smart decision Good agents can help you build your policy and help submit paperwork. A good thing about getting free rate quotes online is you may find cheap rate quotes but still work with a licensed agent.

Upon completion of this short form, your coverage information is immediately sent to participating agents in Long Beach that give free quotes and help you find cheaper coverage. It makes it easy because there is no need to leave your computer due to the fact that quote results will go instantly to you. If you have a need to compare prices from a specific car insurance provider, just jump over to their website and submit a quote form there.

Finding the right insurance company should include more criteria than just a cheap quote. Here are some questions to ask:

Insuring your vehicle just makes sense

Despite the high insurance cost for a Honda Ridgeline in Long Beach, insuring your vehicle is most likely required but also gives you several important benefits.

The benefits of buying car insurance more than cancel out the cost, especially when you need to use it. Today the average American driver is wasting up to $700 annually so compare rate quotes at least once a year to ensure rates are competitive.

Detailed coverages of your insurance policy

Knowing the specifics of a insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Collision coverage – Collision coverage will pay to fix damage to your Ridgeline resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like colliding with a tree, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible on your Ridgeline to get cheaper collision coverage.

Liability car insurance – Liability coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 15/30/5 that translate to a $15,000 limit per person for injuries, $30,000 for the entire accident, and a limit of $5,000 paid for damaged property.

Liability coverage protects against claims such as pain and suffering, emergency aid, medical services and funeral expenses. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford. California requires minimum liability limits of 15/30/5 but it’s recommended drivers buy better liability coverage.

The next chart shows why buying low liability limits may not be enough coverage.

Comprehensive auto coverage – This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, vandalism and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for immediate expenses like doctor visits, nursing services and surgery. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Honda Ridgeline.

Since many California drivers carry very low liability coverage limits (15/30/5 in California), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

California auto insurance companies ranked

Picking the top insurance company can be rather challenging considering how many companies provide coverage in Long Beach. The company rank data displayed below can help you pick which car insurance providers to look at when shopping your coverage around.

Top 10 Long Beach Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Top 10 Long Beach Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+

Cheap auto insurance rates are possible

We just covered many ways to find lower-cost Honda Ridgeline insurance in Long Beach. The key concept to understand is the more times you quote, the better your comparison will be. You may even discover the most savings is with a lesser-known regional company.

Consumers who switch companies do it for any number of reasons including delays in responding to claim requests, not issuing a premium refund, denial of a claim and lack of trust in their agent. Regardless of your reason, finding a new auto insurance company is actually quite simple.

Some auto insurance companies may not offer price quotes online and these regional insurance providers sell through independent insurance agencies. Cheaper auto insurance in Long Beach can be found online and from local agencies, and you should be comparing both to have the best chance of lowering rates.

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