Cheap Insurance for a Honda Ridgeline in Jacksonville

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Insurance rates Honda Ridgeline in JacksonvilleWant to learn a better way to compare lower-priced car insurance rates in Jacksonville, FL? Jacksonville shoppers have options when shopping for the best price on Honda Ridgeline insurance. You can either waste hours driving around getting price quotes or leverage the internet to compare rates. There are both good and bad ways to shop for car insurance and we'll show you the absolute fastest way to price shop coverage on a Honda and get the cheapest rates either online or from Jacksonville insurance agents.

Why You Might Pay Lower Rates in Jacksonville

Part of the auto insurance buying process is learning the different types of things that help determine your auto insurance rates. If you understand what impacts premium levels, this enables you to make decisions that can earn you lower auto insurance prices.

  • When should you file a auto insurance claims? - If you file claims often, you can expect higher rates. Car insurance companies in Florida provide discounts to people who do not rely on their insurance for small claims. Your car insurance is intended for claims that pose a financial burden.
  • Youthful drivers cost more - Older people are proven to be safer behind the wheel, are lower risk to insure, and usually have better credit. Inexperience drivers are proven to be less responsible when at the wheel of a vehicle so they pay higher auto insurance rates.

    The data below uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.

  • Bad drivers pay high costs - Your driving record has a huge affect on how much you pay. Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Just one speeding ticket can increase the cost of insurance twenty percent or more. Drivers with flagrant tickets such as DUI or willful reckless driving may find that they have to to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to legally drive a vehicle.

    The information below highlights how traffic violations and at-fault collisions impact Honda Ridgeline auto insurance rates for each different age category. The premiums are based on a married female driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

  • Pay more if you have a long commute - Being located in less populated areas of the country has it's advantages when buying auto insurance. Less people translates into fewer accident claims and lower theft and vandalism rates. Residents of big cities regularly have more auto accidents and longer commute times. Higher commute times means higher likelihood of an accident.
  • Rates can be impacted by your job - Did you know that where you work can have an impact on rates? Occupational choices like doctors, architects, and stock brokers generally have higher average rates due to high stress levels and long work hours. Other occupations like professors, engineers and homemakers have lower than average premiums.
  • Save money with higher comp and collision deductibles - Insurance for physical damage to your car, aka comp and collision, is used to repair damage to your Honda. Some instances where coverage would apply would be a broken windshield, damage caused by hail, and damage from a fallen tree branch. The deductibles are the amount of money you are required to spend if a covered claim is submitted. The more expense you are required to pay out-of-pocket, the better rate you will receive.
  • Combine and save - Many auto insurance companies allow better rates to clients that buy multiple policies in the form of a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even with this discount, it's in your best interest to shop around to help ensure you have the lowest rates.
  • High performance equals high prices - The make and model of the vehicle you are insuring makes a big difference in your auto insurance rates. Lower performance four cylinder passenger cars generally have the cheapest insurance rates, but other factors influence the final cost greatly.

    The following chart assumes a married male driver age 30, full coverage with $500 deductibles, and no discounts or violations. It illustrates Honda Ridgeline insurance rates compared to other vehicles that have different performance rating factors.

Rates and data analysis

The price information below covers estimates of policy rates for Honda Ridgeline models. Having a good understanding how insurance policy premiums are established can help drivers make smart choices when choosing a car insurance company.

Honda Ridgeline Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ridgeline RT 4WD $238 $402 $486 $28 $146 $1,300 $108
Ridgeline RTS 4WD $270 $402 $486 $28 $146 $1,332 $111
Ridgeline RTL 4WD $270 $474 $486 $28 $146 $1,404 $117
Ridgeline RTL W/Navigation 4WD $270 $474 $486 $28 $146 $1,404 $117
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Price estimates do not factor in garaging location in Jacksonville which can impact prices considerably.

Comparison of policy deductibles

When comparing insurance rates, the most common question is where should you set your physical damage deductibles. The premium rates below highlight the rate differences when you buy lower versus higher policy deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.

Honda Ridgeline insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ridgeline RT 4WD $322 $544 $472 $28 $142 $1,533 $128
Ridgeline RTS 4WD $364 $544 $472 $28 $142 $1,575 $131
Ridgeline RTL 4WD $364 $640 $472 $28 $142 $1,671 $139
Ridgeline RTL W/Navigation 4WD $364 $640 $472 $28 $142 $1,671 $139
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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 $200 $342 $472 $28 $142 $1,184 $99
Ridgeline RTS 4WD $224 $342 $472 $28 $142 $1,208 $101
Ridgeline RTL 4WD $224 $402 $472 $28 $142 $1,268 $106
Ridgeline RTL W/Navigation 4WD $224 $402 $472 $28 $142 $1,268 $106
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rates do not factor in Jacksonville location which can lower or raise premium rates greatly.

Based on these figures, using a $250 deductible will cost in the ballpark of $31 more each month or $372 for a full year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 24 months between claims, you would most likely save money if you choose the higher deductible.

Slash your auto insurance rates with discounts

Not many people think insurance is cheap, but you may be missing some discounts that many consumers don't even know exist. Some trigger automatically at quote time, but once in a while a discount must be specifically requested before they will apply.Cheaper auto insurance with discounts

  • Good Student - This discount may save you up to 25%. Many companies even apply the discount to college students well after school through age 25.
  • More Vehicles More Savings - Buying a policy with several vehicles on a single policy can reduce the rates for all insured vehicles.
  • Mature Driver Discount - Drivers over the age of 55 may qualify for a small decrease in premiums.
  • Drive Safe and Save - Insureds who avoid accidents can save as much as half off their rates than drivers with accident claims.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to take driver's ed class in school or through a local driver safety program.

Just know that some credits don't apply to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. Just because you may think it's possible to get free car insurance, it just doesn't work that way.

The information below illustrates the comparison of Honda Ridgeline insurance premiums with and without discounts applied to the premium. The premiums are based on a male driver, no accidents, no driving violations, Florida state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, marriage, multi-policy, homeowner, and safe-driver discounts applied.

A list of companies and their offered discounts are detailed below.

  • GEICO may have discounts that include driver training, daytime running lights, air bags, anti-lock brakes, and five-year accident-free.
  • Mercury Insurance offers discounts for age of vehicle, location of vehicle, ease of repair, good student, and multi-car.
  • Farmers Insurance discounts include youthful driver, electronic funds transfer, switch companies, mature driver, and pay in full.
  • Auto-Owners Insurance includes discounts for teen driver, company car, multi-policy, paperless, student away at school, and mature driver.
  • Liberty Mutual has discounts for multi-car, new graduate, preferred payment discount, exclusive group savings, safety features, and good student.
  • SAFECO may include discounts for teen safe driver, bundle discounts, drive less, homeowner, anti-lock brakes, and multi-car.
  • Progressive may offer discounts for online signing, homeowner, multi-vehicle, good student, multi-policy, online quote discount, and continuous coverage.
  • USAA offers discounts including loyalty savings, safe driver, military installation, vehicle storage, good student, and new vehicle.

If you need lower rates, check with every company to give you their best rates. A few discounts might not be offered on policies in Jacksonville. If you would like to choose from a list of auto insurance companies who offer online Honda Ridgeline insurance quotes in Jacksonville, follow this link.

Quote often and quote early

Budget-friendly insurance in Jacksonville is definitely available on the web and from local agencies, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not offer online rate quotes and these small, regional companies provide coverage only through local independent agents.

When you buy Jacksonville car insurance online, it's not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice physical damage coverage only to regret at claim time that they should have had better coverage. Your goal is to purchase plenty of coverage for the lowest cost but still have enough coverage for asset protection.

Steps to finding low-cost Honda Ridgeline insurance in Jacksonville

The preferred way to get budget auto insurance rates is to regularly compare prices from insurance carriers in Jacksonville. This can be done by following these steps.

  1. Take a little time to learn about how insurance companies determine prices and the steps you can take to prevent expensive coverage. Many risk factors that increase rates like at-fault accidents, careless driving, and a negative credit history can be remedied by making minor changes in your lifestyle.
  2. Obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive or Allstate, while independent agencies can provide rate quotes for many different companies.
  3. Compare the new rates to your current policy and determine if cheaper Ridgeline coverage is available in Jacksonville. If you find better rates and decide to switch, make sure coverage does not lapse between policies.
  4. Provide proper notification to your current company to cancel your current policy and submit payment along with a signed and completed policy application to the new company. Be sure to put the certificate of insurance in an easily accessible location in your vehicle.

A crucial key to this process is that you'll want to compare the same deductibles and limits on every quote and and to get rate quotes from as many companies as you can. This provides a fair price comparison and a complete selection of prices.

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