Compare Honda Ridgeline Insurance Quotes in Irvine

Finding the cheapest insurance for your Honda Ridgeline in California can be a lot of work, but you can learn these tips to save time.

There are more efficient ways to shop for insurance and we’ll show you the quickest way to price shop coverage for a Honda and find the best price possible from both online companies and Irvine agents.

How to compare Honda Ridgeline insurance rate quotes in Irvine, CA

The companies shown below are our best choices to provide price comparisons in Irvine, CA. If multiple companies are listed, we recommend you visit several of them in order to get a fair rate comparison.

Irvine insurance discounts for a Honda Ridgeline

Some companies don’t always list every possible discount very well, so we break down both well-publicized in addition to some of the lesser obvious discounts that you may qualify for.

• Early Switch Discount – Some insurance companies give discounts for renewing your policy early. The savings is around 10%.
• Good Grades Discount – Being a good student can get you a discount of up to 25%. Most companies allow this discount until age 25.
• Organization Discounts – Being in a professional or civic organization could trigger savings on your next insurance statement.
• Telematics Devices – Irvine drivers who agree to allow driving data collection to analyze their driving habits by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if their driving habits are good.
• Active Military Service – Having a deployed family member could trigger a small discount.
• ABS Brakes – Cars and trucks with anti-lock braking systems can avoid accidents and the ABS can save up to 10%.
• Waiver for an Accident – This isn’t a discount exactly, but some companies like Allstate, Progressive, and GEICO will forgive one accident before hitting you with a surcharge as long as you don’t have any claims before the accident.
• Early Payment Discounts – By paying your entire bill at once instead of monthly or quarterly installments you may have a lower total premium amount.

It’s important to note that most discounts do not apply to all coverage premiums. A few only apply to specific coverage prices like comp or med pay. If you do the math and it seems like all those discounts means the company will pay you, you aren’t that lucky.

The example below shows the comparison of Honda Ridgeline insurance costs with and without some available policy discounts. Data assumes a female driver, no violations or accidents, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, marriage, safe-driver, homeowner, and multi-car discounts applied.

Companies and their offered discounts are detailed below.

• 21st Century discounts include 55 and older, driver training, defensive driver, homeowners, automatic seat belts, and student driver.
• State Farm policyholders can earn discounts including anti-theft, driver’s education, multiple policy, accident-free, multiple autos, good driver, and Steer Clear safe driver discount.
• AAA offers premium reductions for good student, AAA membership discount, education and occupation, good driver, and multi-car.
• Liberty Mutual offers discounts for preferred payment discount, multi-car, safety features, new vehicle discount, newly retired, and new graduate.
• Progressive offers discounts including homeowner, online quote discount, multi-vehicle, continuous coverage, good student, online signing, and multi-policy.

If you need affordable Honda Ridgeline insurance quotes, ask every prospective company to give you their best rates. Some discounts listed above may not be available in every state. If you would like to view providers who offer free Honda Ridgeline insurance quotes in Irvine, click this link.

Coverage analysis

The coverage information displayed below covers a range of prices for Honda Ridgeline models. Being more informed about how car insurance premiums are figured helps drivers make decisions when choosing a new policy provider.

Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Price estimates do not factor in specific location which can affect auto insurance rates noticeably.

Higher deductibles lower rates

When buying insurance, a common question is how high or low should comp and collision deductibles be. The tables below highlight the rate fluctuation of buying low and high coverage deductibles. The first rate estimation uses a $100 deductible for physical damage and the second rate chart uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in specific location information which can increase or decrease price quotes considerably.

Based on these figures, using a $100 deductible will cost in the ballpark of $32 more each month or $384 annually than opting for the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you go at least 13 months between claim filings, you would save money going with the higher deductible.

The information below demonstrates how deductible levels and can increase or decrease Honda Ridgeline yearly insurance costs for each age group. The price estimates are based on a single female driver, full physical damage coverage, and no discounts are applied.

Driving violations and accidents

The illustration below demonstrates how citations and at-fault collisions drive up Honda Ridgeline insurance premiums for different age groups. The prices are based on a married male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.