Shopping for affordable Austin Honda Ridgeline insurance quotes on the web can be rather challenging for drivers not familiar with comparing and buying insurance on the internet. With so many insurance agents and companies, how are drivers expected to be able to compare every company in order to find the lowest price available?
Sadly, the vast majority of consumers have purchased from the same company for at least the last four years, and roughly 40% of drivers have never even compared quotes to find affordable rates. Many drivers in America can save nearly 46.5% each year just by getting comparison quotes, but they underestimate the actual amount they would save if they moved their coverage to a different company.
Car insurance discounts are available to lower rates
Properly insuring your vehicles can get expensive, but you might find some hidden discounts to reduce the price significantly. Some discounts will apply at the time you complete a quote, but a few must be inquired about before you will receive the discount.
- Professional Memberships – Participating in qualifying employment or professional organizations can get you a small discount on your next car insurance statement.
- Federal Employees – Being employed by or retired from a federal job may qualify for a discount when you quote Austin car insurance with certain companies.
- Accident Free – Insureds who avoid accidents and claims are rewarded with significantly better rates on Austin car insurance quote in comparison with drivers with a long claim history.
- Drive Safe and Save – Drivers who don’t get into accidents can save as much as half off their rates compared to accident prone drivers.
- Include Life Insurance and Save – Not all car insurance companies offer life insurance, but some may give you lower car insurance rates if you buy a life insurance policy as well.
- Drivers Education – Have your child enroll in driver’s education in school.
- Multi-policy Discount – When you combine your home and auto insurance with one company you will save over 10 percent off each policy depending on the company.
Keep in mind that some of the credits will not apply to the entire cost. Most only cut individual premiums such as collision or personal injury protection. Despite the fact that it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.
The best car insurance companies and some of their more popular discounts can be read below.
- State Farm may offer discounts for good student, passive restraint, multiple autos, Drive Safe & Save, and student away at school.
- Esurance includes discounts for safety device, online quote, Pac-12 alumni, anti-lock brakes, and claim free.
- Progressive has savings for homeowner, multi-vehicle, continuous coverage, online signing, multi-policy, good student, and online quote discount.
- Liberty Mutual policyholders can earn discounts including teen driver discount, multi-car, safety features, new graduate, newly married, and new vehicle discount.
- Auto-Owners Insurance may have discounts that include air bags, company car, anti-theft, student away at school, safe driver, and multi-policy.
- GEICO offers discounts including anti-lock brakes, five-year accident-free, emergency military deployment, air bags, and good student.
If you are trying to find inexpensive Austin car insurance quotes, ask all the companies to give you their best rates. Some discounts may not apply in your state. To locate companies that offer many of these discounts in Texas, follow this link.
To find the best auto insurance quotes, there are several ways to compare quotes from different companies. The simplest method to compare rates consists of shopping online. It’s important to know that comparing more rates from different companies increases your odds of finding better pricing. Not every company does online rate quotes, so it’s necessary to compare quotes from them, too.
The companies shown below provide free rate quotes in Texas. If several companies are displayed, it’s a good idea that you click on several of them in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $272 | $400 | $564 | $34 | $168 | $1,438 | $120 |
| Ridgeline RTS 4WD | $318 | $610 | $486 | $28 | $146 | $1,588 | $132 |
| Ridgeline RTL 4WD | $286 | $602 | $486 | $28 | $146 | $1,548 | $129 |
| Ridgeline RTL W/Navigation 4WD | $368 | $720 | $582 | $34 | $174 | $1,878 | $157 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Price information does not factor in the specific area where the vehicle is garaged which can impact premiums substantially.
Cost of full coverage in Austin
The example below illustrates the comparison of Honda Ridgeline car insurance rates with and without full coverage. The rate quotes are based on a clean driving record, no at-fault accidents, $100 deductibles, single male driver, and no other discounts are factored in.
Deciding between full coverage and liability only
There is no clear-cut rule that is best for determining when to drop physical damage insurance, but there is a general guideline. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.
For example, let’s assume your Honda Ridgeline settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $2,000 after you pay the deductible. If it’s costing you more than $200 annually for full coverage, then you may need to consider dropping full coverage.
There are some circumstances where buying only liability insurance is not advised. If you still owe money on your vehicle, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.
How You Can Control Honda Ridgeline Insurance Costs
It’s important that you understand the different types of things that help calculate your car insurance rates. When consumers understand what influences your rates, this empowers consumers to make smart changes that can help you get big savings.
Liability protection limits should be high – Your car insurance policy’s liability coverage kicks in in the event that you are found liable for personal injury or accident damage. This coverage provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
A policy lapse can increase prices – Having an insurance coverage lapse will be a fast way to increase your car insurance rates. In addition to paying higher premiums, the inability to provide proof of insurance will get you a steep fine or even jail time.
Vehicles with better crash test results cost less to insure – Vehicles with high crash test scores tend to have lower insurance rates. Vehicles engineered for safety have better occupant injury protection and lower rates of occupant injuries means lower claim amounts which can mean better rates for you. If your Honda Ridgeline has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
Rural areas have lower premiums – Having an address in less populated areas has definite advantages when trying to find low car insurance rates. Fewer drivers and short commutes means a lower chance of having an accident in addition to fewer liability claims. Drivers who live in large Texas cities tend to have more auto accidents and a longer drive to work. The longer drive time statistically corresponds to a higher accident and claim rate.
Does your job cost you more? – Did you know your job can affect your rates? Occupations such as real estate brokers, architects and financial analysts generally pay the highest rates attributed to intense work requirements and extremely grueling work hours. On the other hand, professions such as professors, students and the unemployed generally pay rates lower than average.
Save money with high credit – Having a good credit history can be a huge factor in calculating your car insurance rates. People that have excellent credit tend to file fewer claims as compared to drivers with lower credit scores. If your credit rating leaves room for improvement, you could pay less to insure your Honda Ridgeline if you clean up your credit.
Cheaper rates using alarms and GPS tracking – Driving a car with advanced anti-theft systems can save you some money. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your vehicle from being stolen.
Insure car and home with the same company – Most companies will give discounts to customers who carry more than one policy in the form of a multi-policy discount. The discount can be 10 percent or more. Even with this discount applied, consumers should still compare other Austin Ridgeline insurance rates to confirm you are receiving the best rates possible.
You are unique and your car insurance should be too
When it comes to coverage for your vehicles, there is no single plan that fits everyone. Your situation is unique.
Here are some questions about coverages that might point out if your insurance needs would benefit from professional advice.
- Is upholstery damage covered by car insurance?
- Is my custom stereo system covered?
- Is rental equipment covered for theft or damage?
- Am I missing any policy discounts?
- Am I covered if I hit a deer?
- Am I covered if I have no license?
If you’re not sure about those questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form.
Exclusive versus independent insurance agencies
A lot of people would rather get advice from a local agent and doing that can be a smart decision The best thing about getting online price quotes is that drivers can save money and get cheap auto insurance rates and still buy from a local agent. And buying from local insurance agencies is definitely important in Austin.
For easy comparison, once you complete this short form, your insurance coverage information is transmitted to companies in Austin who can give free rate quotes for your auto insurance coverage. You won’t need to leave your house because prices are sent immediately to your email address. You can most likely find cheaper rates AND an agent nearby. If you have a need to compare rates from a specific auto insurance provider, don’t hesitate to search and find their rate quote page and give them your coverage information.
Below is a short list of auto insurance companies in Austin who can help you get comparison quotes for Honda Ridgeline insurance in Austin.
- Greater Texas Insurance
9809 Anderson Mill Rd – Austin, TX 78750 – (512) 250-5055 – View Map - Richard Munoz – State Farm Insurance Agent
5446 W US Hwy 290 Service Rd #104 – Austin, TX 78735 – (512) 892-3527 – View Map - Jane McQuiggin-Hutson – State Farm Insurance Agent
2307 W Parmer Ln – Austin, TX 78727 – (512) 973-8501 – View Map - Robert Ndegwa – State Farm Insurance Agent
1200 W Howard Ln f – Austin, TX 78753 – (512) 837-8818 – View Map
Selecting an insurer shouldn’t rely on just the quoted price. Below are some questions you should ask.
- Is vehicle mileage a factor when determining depreciation for repairs?
- What insurance companies do they work with in Austin?
- Can you use your own choice of collision repair facility?
- Are they full-time agents?
- Is every driver in your family covered?
Upon receiving positive feedback to these questions as well as an affordable premium quote, you’ve probably found an insurer that meets the requirements to adequately provide auto insurance. Just understand that you are able to cancel your coverage at any point so don’t think that you’re stuck with a specific agent for the full term.
Insuring your Ridgeline just makes sense
Even though it can be expensive, insuring your vehicle is mandatory in Texas but it also protects more than you think.
- Most states have minimum mandated liability insurance limits which means you are required to carry specific minimum amounts of liability in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Honda Ridgeline has a lien holder, it’s guaranteed your bank will require you to have insurance to guarantee loan repayment. If you do not pay your insurance premiums, the bank may insure your Honda for a lot more money and require you to fork over the higher price.
- Insurance protects not only your vehicle but also your financial assets. It will also reimburse you for medical bills for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of buying enough insurance definitely exceed the cost, especially when you need to use it. The average driver in Texas overpays more than $800 each year so smart consumers compare quotes at every policy renewal to help ensure money is not being wasted.
Find cheap rates by being thorough
In this article, we presented some good ideas how to shop for Honda Ridgeline insurance online. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding affordable Austin car insurance quotes. Consumers could even find that the biggest savings come from a company that doesn’t do a lot of advertising.
Discount Honda Ridgeline insurance in Austin can be sourced both online as well as from independent agents in Austin, and you need to price shop both in order to have the best chance of saving money. Some companies do not provide internet price quotes and most of the time these regional carriers only sell coverage through local independent agencies.
Drivers switch companies for many reasons like delays in paying claims, unfair underwriting practices, lack of trust in their agent or high prices. Regardless of your reason, choosing a new company is not as hard as you think.
Additional detailed information is available in the articles below:
- Young Drivers: The High Risk Years Video (iihs.org)
- Who Has Affordable Car Insurance for a Toyota 4Runner in Austin? (FAQ)
- Who Has Cheap Austin Auto Insurance Quotes for a School Permit? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Chevrolet Equinox in Austin? (FAQ)
- Who Has Cheap Austin Car Insurance Rates for Uninsured Drivers? (FAQ)
- Who Has Affordable Austin Car Insurance Quotes for 16 Year Olds? (FAQ)
- Who Has Cheap Car Insurance Rates for 18 Year Olds in Austin? (FAQ)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Child Safety Seats (Insurance Information Institute)
- Rental Reimbursement Coverage (Allstate)
- Red Light Cameras (State Farm)