Truthfully, the best way to find low-cost Honda Ridgeline insurance is to compare prices regularly from insurers who sell auto insurance in Mesa.
- Step 1: Learn about how companies set rates and the measures you can take to prevent expensive coverage. Many rating factors that result in higher prices like accidents, careless driving, and a negative credit rating can be eliminated by being financially responsible and driving safely. This article gives the details to prevent high rates and get bigger discounts.
- Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agencies can provide prices from multiple sources.
- Step 3: Compare the new rate quotes to the price on your current policy to determine if switching companies saves money. If you find a better price and decide to switch, make sure coverage is continuous and does not lapse.
One bit of advice is to try to use identical coverages on every quote and and to analyze as many companies as possible. This provides a fair price comparison and the best rate selection.
It goes without saying that car insurance companies want to keep you from comparing rates. Consumers who shop rates annually are likely to switch to a new company because they stand a good chance of getting low-cost coverage. A study discovered that people who routinely compared quotes saved approximately $865 a year as compared to drivers who never shopped around for cheaper prices.
If finding discount rates on Honda Ridgeline insurance is your goal, then understanding the best way to quote and compare auto insurance can make it easier to shop your coverage around.
Finding affordable insurance coverage in Mesa is not that difficult as long as you know where to start. If you have coverage now, you will be able to reduce the price you pay using the ideas presented in this article. Although Arizona car owners need to have an understanding of how companies determine prices and use it to your advantage.
The quickest way to compare rate quotes for Honda Ridgeline insurance in Mesa is to realize most of the bigger providers participate in online systems to provide you with free rate quotes. The only thing you need to do is give them some information including your job, if the vehicle is leased, level of coverage desired, and if a SR-22 is needed. The data is then sent to multiple different insurance companies and they return quotes instantly.
To compare cheaper Honda Ridgeline insurance rates now, click here and complete the quick form.
The following companies provide free rate quotes in Arizona. To find cheap auto insurance in Mesa, it’s highly recommended you compare several of them to get a more complete price comparison.
Save a ton on Honda Ridgeline insurance in Mesa with these auto insurance discounts
Auto insurance companies don’t always list all their discounts in a way that’s easy to find, so here is a list some of the more common and also the lesser-known discounts you could be receiving when you buy Mesa car insurance online.
- Paperless Signup – A few companies will give you a small discount for signing up on the web.
- Passive Restraints – Cars that have air bags or motorized seat belts may get savings of 20 to 30 percent.
- Student Discount for Driver Training – Teen drivers should participate in a local driver’s education class as it will make them better drivers and lower rates.
- Braking Control Discount – Cars with anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
- Senior Citizen Discount – Older drivers can possibly qualify for a small discount on rates.
- No Charge for an Accident – Not necessarily a discount, but companies like Liberty Mutual, Allstate and State Farm permit an accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
- Club Memberships – Being a member of a professional or civic organization can get you a small discount when shopping for auto insurance.
- Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you could save 5% or more.
- No Claim Discounts – Good drivers with no accidents have much lower rates when compared to policyholders that have many claims.
- Government Employee Discount – Simply working for the federal government may reduce rates when you quote Mesa car insurance with select insurance companies.
A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most only cut specific coverage prices like comp or med pay. Just because it seems like you can get free auto insurance, you aren’t that lucky.
The example below shows the difference between Honda Ridgeline premium costs with and without discounts applied. The data is based on a male driver, no accidents or driving violations, Arizona state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-car, multi-policy, homeowner, and marriage discounts applied.
To find auto insurance companies with discount auto insurance rates in Mesa, click here to view.
Premium rates and analysis
The information displayed next showcases detailed analysis of insurance premium costs for Honda Ridgeline models. Having insight into how policy rates are determined can assist in making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $258 | $480 | $458 | $28 | $136 | $1,360 | $113 |
| Ridgeline RTS 4WD | $290 | $480 | $458 | $28 | $136 | $1,392 | $116 |
| Ridgeline RTL 4WD | $290 | $566 | $458 | $28 | $136 | $1,478 | $123 |
| Ridgeline RTL W/Navigation 4WD | $290 | $566 | $458 | $28 | $136 | $1,478 | $123 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in your specific Mesa location which can change auto insurance rates greatly.
Deductible comparison
When shopping for car insurance, a common question is how low should you set your deductibles. The premium rates below summarize the rate difference between low and high comp and collision deductibles. The first table uses a $100 comprehensive and collision deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $258 | $466 | $338 | $20 | $102 | $1,209 | $101 |
| Ridgeline RTS 4WD | $292 | $466 | $338 | $20 | $102 | $1,243 | $104 |
| Ridgeline RTL 4WD | $292 | $548 | $338 | $20 | $102 | $1,325 | $110 |
| Ridgeline RTL W/Navigation 4WD | $292 | $548 | $338 | $20 | $102 | $1,325 | $110 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $188 | $314 | $338 | $20 | $102 | $962 | $80 |
| Ridgeline RTS 4WD | $212 | $314 | $338 | $20 | $102 | $986 | $82 |
| Ridgeline RTL 4WD | $212 | $370 | $338 | $20 | $102 | $1,042 | $87 |
| Ridgeline RTL W/Navigation 4WD | $212 | $370 | $338 | $20 | $102 | $1,042 | $87 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in specific garaging location which can affect price quotes noticeably.
Based on this data, using a $100 deductible costs an average of $22 more each month or $264 a year than selecting the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally average at least 18 months between claims, you would probably come out ahead if you elect the higher deductible.
The information below shows how choosing a deductible and can impact Honda Ridgeline yearly insurance costs for different age groups. The data assumes a single female driver, full coverage, and no discounts are applied.
Car insurance rates are higher with tickets and accidents
The diagram below demonstrates how traffic citations and accidents increase Honda Ridgeline insurance premiums for each age group. The price estimates are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.
Price comparison of only insuring for liability
The chart below shows the difference between Honda Ridgeline car insurance rates with full coverage and liability only. The costs are based on no accidents or driving violations, $500 deductibles, single marital status, and no other discounts are factored in.
Should you be buying full coverage?
There is no clear-cut rule for excluding comp and collision coverage, but there is a guideline you can use. If the annual cost of coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Honda Ridgeline settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $4,000 after paying the physical damage deductible. If you are currently paying more than $400 annually for physical damage coverage, then you may need to consider dropping full coverage.
There are a few cases where removing full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not buy liability only.
Informed Consumers Can Save Money
Many things are considered when premium rates are determined. Some are pretty understandable such as your driving record, but some are less apparent such as your credit history or how safe your car is.
The factors shown below are some of the items utilized by car insurance companies to help set premiums.
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Are females or males drivers cheaper? – The statistics show women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Males and females tend to get into at-fault accidents in similar numbers, but the males have costlier accidents. Men also get more serious tickets like reckless driving and DUI. Male teenagers are several times more likely to be in an accident and therefore have the most expensive car insurance rates.
The example below compares Honda Ridgeline insurance prices for male and female drivers. The rate quotes are based on no violations or claims, comprehensive and collision coverage, $250 deductibles, single status, and no policy discounts are applied.
- Your liability insurance limits – Liability coverage will protect you in the event that you are responsible for personal injury or accident damage. Your liability coverage provides you with a defense in court which can cost thousands of dollars. This coverage is relatively inexpensive compared to comp and collision, so buy as much as you can afford.
- File insurance claims and pay more – If you are the type of insured that files lots of claims you can pretty much guarantee either policy cancellation or increased premiums. Companies in Arizona give most affordable rates to drivers who do not rely on their insurance for small claims. Your insurance policy is intended for more catastrophic claims.
- Alarms and GPS tracking systems cut car insurance rates – Owning a car with a theft deterrent system can help lower your premiums. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping auto theft.
Independent versus exclusive auto insurance agents
A small number of people still like to sit down and talk to an agent and that is a smart decision A good thing about comparing rate quotes online is that you can find the lowest rates and still have a local agent.
By using this short form, the quote information is immediately sent to local insurance agents that can give you free Mesa car insurance quotes and help you find cheaper coverage. You won’t need to drive around because quoted prices will be sent immediately to you. You can find better rates without requiring a lot of work. If you have a need to compare rates from a specific insurance provider, just search and find their rate quote page and give them your coverage information.
Finding a good insurance company is decision based upon more than just the price. These are some questions you should get answers to.
- Is their price quote a firm figure or are their hidden costs?
- Who are their largest clients?
- Are they giving you every discount you deserve?
- Has the agent ever had any license suspensions?
- Does the agency support the community they serve?
- If your car is in the repair shop, do you have coverage for a rental car?
If you want to use a local Mesa insurance agency, you need to know there are two types of agencies that you can select. Mesa agents are considered either independent or exclusive depending on the company they work for.
Exclusive Insurance Agents
Agents of this type write business for a single company and examples are AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot compare other company’s rates so keep that in mind. Exclusive agencies are well trained on their products and sales techniques and that enables them to sell even at higher rates. Many people use the same exclusive agent primarily because of the prominence of the brand rather than having the cheapest rates.
Listed below is a list of exclusive agencies in Mesa willing to provide price quotes.
- Jon Eisenbraun – State Farm Insurance Agent
1837 W Guadalupe Rd #114 – Mesa, AZ 85202 – (480) 833-0724 – View Map - Vandy Ford – State Farm Insurance Agent
6938 E Parkway Norte #2 – Mesa, AZ 85212 – (480) 497-3933 – View Map - American Family Insurance – Brian Johnson Agency Inc.
3660 E University Dr Ste 3 – Mesa, AZ 85205 – (480) 634-7039 – View Map
Independent Agencies or Brokers
Agents of this type are not restricted to one company so they can write business with lots of companies depending on which coverage is best. If prices rise, an independent agent can move your coverage which requires no work on your part. If you need lower rates, you will want to get several quotes from several independent insurance agents to maximize your price options. Many independent agencies also insure through mutual insurance companies which could offer lower prices.
Below is a list of independent insurance agents in Mesa who can help you get rate quotes.
- Access Auto Insurance
1933 W Main St #5 – Mesa, AZ 85201 – (480) 668-4944 – View Map - INW Insurance Group
4545 E Southern Ave #106 – Mesa, AZ 85206 – (480) 626-0797 – View Map - Canyon Lands Insurance: Donalds Jeffrey
1550 E University Dr – Mesa, AZ 85203 – (480) 668-7000 – View Map
Everyone needs different insurance coverages
When quoting and comparing coverage for your vehicles, there is no cookie cutter policy. Each situation is unique so your insurance needs to address that.
Here are some questions about coverages that may help you determine whether or not you could use an agent’s help.
- Does my policy cover me if I wreck while driving under the influence?
- What if a claim settlement is too low?
- Are my custom wheels covered?
- Can I still get insurance after a DUI?
- Should I rate my Honda Ridgeline as pleasure use or commute?
- What should my uninsured motorist coverage limits be in Arizona?
- Am I covered if I break a side mirror?
- How can I force my company to pay a claim?
- What are the liability requirements in my state?
- Are combined or split liability limits better?
If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.
Don’t give up on cheaper premiums
As you shop your coverage around, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where someone sacrificed uninsured motorist or liability limits and learned later that they should have had better coverage. The aim is to find the BEST coverage for the lowest price.
Cheaper car insurance in Mesa is possible on the web in addition to local insurance agencies, so you need to shop Mesa car insurance with both to get a complete price analysis. A few companies do not provide online quoting and many times these regional insurance providers work with independent insurance agents.
Additional detailed information can be found by following these links:
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Who Has Affordable Auto Insurance Quotes for Retired Military in Mesa? (FAQ)
- What Auto Insurance is Cheapest for Uninsured Drivers in Mesa? (FAQ)
- How Much are Mesa Car Insurance Rates for College Students? (FAQ)
- Auto Insurance 101 (About.com)
- Cellphones, Texting and Driving (iihs.org)
- Crash Avoidance Technologies FAQ (iihs.org)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)