Compare Honda Ridgeline Insurance Rates in Boston

Insurance for Honda RidgelineTruthfully, the best way to find affordable quotes for Honda Ridgeline insurance in Boston is to compare quotes once a year from providers who can sell car insurance in Massachusetts.

  1. Take a little time to learn about policy coverages and the things you can control to lower rates. Many risk factors that result in higher prices such as traffic violations and a low credit score can be improved by making small lifestyle or driving habit changes.
  2. Quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from one company like GEICO and Allstate, while agents who are independent can provide price quotes for a wide range of insurance providers.
  3. Compare the new rate quotes to your existing rates and determine if cheaper Ridgeline coverage is available in Boston. If you can save money and change companies, ensure there is no coverage lapse between policies.
  4. Notify your agent or company to cancel your current coverage and submit a signed application and payment for your new policy. As soon as you can, put the certificate of insurance in your vehicle.

One thing to remember is to compare the same physical damage deductibles and liability limits on each quote request and and to analyze as many carriers as you can. Doing this helps ensure a fair rate comparison and the best rate selection.

Amazingly, a large majority of drivers renewed their policy with the same company for at least the last four years, and approximately 40% of consumers have never even compared quotes to find cheap rates. Most drivers in Boston could save about $588 every year just by getting comparison quotes, but they mistakenly think it’s difficult to compare rates and save money.

If you are insured now, you will be able to cut your premiums using these tips. Our objective in writing this article is to introduce you to the best way to buy inexpensive auto insurance and some tricks to saving. But Massachusetts car owners do need to learn the way companies determine how much to charge and use this information to your advantage.

Low cost Boston Honda Ridgeline insurance quotes

All major car insurance companies make it easy to get coverage price quotes on the web. Getting online quotes for Honda Ridgeline insurance in Boston is fairly straightforward because you just enter the coverage amounts you desire into the form. When complete, their system automatically retrieves information on your driving record and credit history and generates pricing information.

Being able to quote online for Honda Ridgeline insurance in Boston streamlines rate comparisons, and it’s absolutely necessary to compare as many rates as possible if you want to get the lowest possible payments on car insurance.

To save time and compare pricing, compare rates now from the companies shown below. If you have your current policy handy, we recommend you complete the form with the limits and deductibles exactly as they are listed on your policy. Doing this guarantees you will have a fair comparison for the exact same coverage.

The companies in the list below are our best choices to provide price comparisons in Boston, MA. If multiple companies are listed, we suggest you visit as many as you can to find the lowest car insurance rates.

Honda Ridgeline insurance discounts in Boston

Some companies don’t always publicize the entire discount list very clearly, so the following list contains some of the best known in addition to some of the lesser obvious discounts that you can inquire about if you buy Boston car insurance online. If you don’t get every credit you deserve, you’re paying more than you need to.Save money with discounts

One last thing about discounts, some of the credits will not apply to your bottom line cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Despite the appearance that having all the discounts means you get insurance for free, you’re out of luck. But all discounts should help lower your policy premiums.

The example below shows the difference between Honda Ridgeline insurance premiums with and without discounts applied to the policy rates. The price estimates are based on a female driver, no violations or accidents, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, safe-driver, multi-policy, claim-free, and marriage discounts applied.

If you would like to see a list of auto insurance companies who offer online Honda Ridgeline insurance quotes in Boston, click this link.

Insurance rate breakdown

The information shown next highlights detailed analysis of insurance rates for Honda Ridgeline models. Learning as much as possible about how auto insurance policy rates are established can help you make decisions when shopping your coverage around.

Honda Ridgeline Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ridgeline RT 4WD $282 $598 $456 $28 $136 $1,500 $125
Ridgeline RTS 4WD $318 $598 $456 $28 $136 $1,536 $128
Ridgeline RTL 4WD $318 $704 $456 $28 $136 $1,642 $137
Ridgeline RTL W/Navigation 4WD $318 $704 $456 $28 $136 $1,642 $137
Get Your Own Custom Quote Go

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rate information does not factor in specific zip code location which can lower or raise coverage rates substantially.

Policy deductibles

The hardest decision when buying coverage is at what level do you set your deductibles. The tables below may help to conceptualize how much more you’ll pay when you choose different physical damage deductibles. The first pricing table uses a $100 deductible for physical damage and the second pricing table uses a $500 deductible.

Honda Ridgeline insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ridgeline RT 4WD $288 $520 $378 $22 $114 $1,347 $112
Ridgeline RTS 4WD $324 $520 $378 $22 $114 $1,383 $115
Ridgeline RTL 4WD $324 $612 $378 $22 $114 $1,475 $123
Ridgeline RTL W/Navigation 4WD $324 $612 $378 $22 $114 $1,475 $123
Get Your Own Custom Quote Go

Honda Ridgeline insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ridgeline RT 4WD $210 $350 $378 $22 $114 $1,074 $90
Ridgeline RTS 4WD $236 $350 $378 $22 $114 $1,100 $92
Ridgeline RTL 4WD $236 $414 $378 $22 $114 $1,164 $97
Ridgeline RTL W/Navigation 4WD $236 $414 $378 $22 $114 $1,164 $97
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in garaging location in Boston which can revise coverage prices substantially.

Based on the above data, using a $100 deductible costs an average of $24 more each month or $288 every year averaged for all Ridgeline models than opting for the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally average more than 17 months between claim filings, you would probably save some money by going with a higher deductible. Below is a better example of how this determination is made.

Average monthly premium for $100 deductibles: $118
Average monthly premium for $500 deductibles (subtract): – $94
Monthly savings from raising deductible: $24
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One thing to note is that increasing deductibles to lower your rates means you pay more out-of-pocket when you file a claim. You need to make sure you have enough money stashed away in the event you need to pay more to get your vehicle repaired.

The chart below demonstrates how deductible levels and can increase or decrease Honda Ridgeline premium costs for different age groups. The rates are based on a married female driver, comp and collision included, and no discounts are factored in.

Rate comparison of men versus women in Boston

The information below illustrates the comparison of Honda Ridgeline car insurance rates for male and female drivers. Data assumes no accidents, no driving violations, full coverage, $100 deductibles, drivers are not married, and no discounts are taken into consideration.

Liability only or full coverage

The information below compares Honda Ridgeline car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Massachusetts. The information is based on no accidents or driving violations, $100 deductibles, single marital status, and no discounts are applied to the premium.

Guidelines for dropping full coverage

There is no definitive formula to drop physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.

For example, let’s say your Honda Ridgeline replacement cost is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $8,000 after you pay the deductible. If you are currently paying more than $800 annually to have full coverage, then you may need to consider dropping full coverage.

There are a few situations where dropping physical damage coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should maintain full coverage.

Buy Lower-cost Car Insurance with These Tips

Part of the car insurance buying process is learning the different types of things that aid in calculating your car insurance rates. If you have some idea of what controls the rates you pay, this enables you to make decisions that may result in lower rates.

Independent and exclusive auto insurance agents

Many people prefer to buy from a local agent and there is nothing wrong with that. One of the benefits of comparing rate quotes online is that you can find the lowest rates and still buy from a local agent.

After completing this form (opens in new window), the coverage information is immediately sent to agents in your area who will give you bids for your business. There is no reason to even leave your home since rate quotes are delivered straight to your inbox. Get lower rates without requiring a lot of work. If for some reason you want to get a comparison quote from a particular provider, you can always jump over to their website and complete a quote there.

Choosing the best insurer requires you to look at more than just a cheap price. Ask your prospective agent these questions:

When narrowing the list to find a reliable insurance agent, you should know the types of insurance agents to choose from. Agents are considered either independent agents or exclusive agents.

Exclusive Agencies

Agents in the exclusive channel generally can only insure with one company like Farmers Insurance, American Family, State Farm and Allstate. They generally cannot shop your coverage around so they have no alternatives for high prices. Exclusive insurance agents are well schooled on what they offer which helps offset the inability to provide other markets. Many people use the same exclusive agent mostly because of the prominent brand name rather than low rates.

Shown below is a list of exclusive insurance agents in Boston willing to provide rate quotes.

View more agents

Independent Auto Insurance Agents

Independent insurance agents are normally appointed by many insurers so they can quote policies with any number of different companies and find you cheaper rates. If premiums increase, the business is moved internally which is easy for the insured.

When comparing auto insurance prices, it’s a good idea to include rate quotes from a couple of independent agencies so that you can do a thorough price comparison. A lot of them also have access to small regional insurance companies that many times have cheaper rates.

Listed below is a short list of independent insurance agencies in Boston willing to provide comparison quotes.

View more agents

Upon receiving satisfactory answers to any questions you have as well as offering an affordable quote, you may have found an insurance agent that meets the criteria to properly insure your vehicles.

How much can you save?

We just presented some good ideas how you can shop for Honda Ridgeline insurance online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest premium rates are with a small mutual company.

When you buy Boston car insurance online, don’t be tempted to sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced full coverage only to regret that the savings was not a smart move. Your goal should be to find the BEST coverage at the best cost.

Insureds who switch companies do it for a variety of reasons including delays in responding to claim requests, high prices, questionable increases in premium or even delays in paying claims. It doesn’t matter why you want to switch finding a new car insurance company can be less work than you think.

More detailed car insurance information can be read in these articles: