It’s safe to assume that car insurance companies want to keep you from shopping around. Consumers who compare rates annually are highly likely to move their business because there are good odds of finding a lower rate. A recent study showed that drivers who shopped around every year saved an average of $3,450 over four years compared to drivers who never compared prices.
If finding budget-friendly Honda Ridgeline insurance is your ultimate objective, then having an understanding of how to get free comparison quotes and analyze coverage rates can make it simple to find affordable coverage.
Really, the only way to find cheaper prices for Honda Ridgeline insurance is to compare prices regularly from companies who provide auto insurance in Long Beach.
- Step 1: Read and learn about how your policy works and the modifications you can make to prevent expensive coverage. Many factors that result in higher rates like traffic citations, accidents, and a negative credit history can be rectified by making minor driving habit or lifestyle changes.
- Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like GEICO and State Farm, while independent agencies can give you price quotes from many different companies.
- Step 3: Compare the price quotes to the price on your current policy to see if a cheaper price is available in Long Beach. If you find a lower rate, make sure there is no coverage gap between policies.
- Step 4: Provide adequate notice to your current company of your decision to cancel the current policy and submit payment and a completed application to the new company. Make sure you place the new proof of insurance certificate in your vehicle.
A valuable tip to remember is that you’ll want to compare the same physical damage deductibles and liability limits on every quote and and to get quotes from as many auto insurance providers as possible. Doing this provides an accurate price comparison and the best price selection.
Finding a better price on insurance is an easy way to save money. The only requirement is to spend a few minutes on the computer to get quotes to find the company with cheaper Long Beach auto insurance quotes.
The car insurance companies shown below can provide price quotes in Long Beach, CA. If multiple companies are listed, we recommend you click on several of them to get a more complete price comparison.
Affordable Long Beach auto insurance rates with discounts
The cost of insuring your cars can be expensive, but you may be missing some discounts that could help you make your next renewal payment. Many discounts should be triggered at quote time, but once in a while a discount must be asked for before being credited.
- Own a Home and Save – Simply owning a home may trigger a policy discount on auto insurance since owning and maintaining a home means you have a higher level of financial diligence.
- Club Memberships – Being in qualifying clubs or civic groups could qualify you for a break on auto insurance.
- Discount for Good Grades – Excelling in school can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
- Discounts for Safe Drivers – Drivers without accidents can get discounts for up to 45% lower rates as compared to drivers with claims.
- Life Insurance Discount – Larger companies have a small discount if you purchase life insurance from them.
- Defensive Driver Discount – Passing a class that teaches driver safety techniques could save 5% or more and also improve your driving technique.
We need to note that most discounts do not apply to the overall cost of the policy. Most cut specific coverage prices like medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way.
The diagram below compares Honda Ridgeline auto insurance rates with and without some available policy discounts. The price estimates are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, marriage, safe-driver, and claim-free discounts applied.
Larger auto insurance companies and their offered discounts can be read below.
- 21st Century offers premium reductions for air bags, defensive driver, good student, student driver, theft prevention, early bird, and homeowners.
- State Farm policyholders can earn discounts including good driver, anti-theft, accident-free, driver’s education, defensive driving training, and passive restraint.
- AAA may have discounts that include education and occupation, multi-policy, multi-car, pay-in-full, AAA membership discount, good student, and anti-theft.
- Liberty Mutual has savings for new graduate, preferred payment discount, exclusive group savings, teen driver discount, multi-policy, new move discount, and safety features.
- Progressive discounts include online quote discount, continuous coverage, homeowner, multi-policy, and online signing.
When getting free Long Beach auto insurance quotes, it’s a good idea to each insurance company to give you their best rates. Some of the discounts discussed earlier might not be offered in Long Beach. To find companies offering auto insurance discounts in California, click this link.
Honda Ridgeline coverage statistics
The rate information displayed below showcases different rate quotes for Honda Ridgeline models. Understanding how auto insurance prices are calculated can help customers make informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $326 | $708 | $564 | $34 | $168 | $1,800 | $150 |
| Ridgeline RTS 4WD | $370 | $708 | $564 | $34 | $168 | $1,844 | $154 |
| Ridgeline RTL 4WD | $370 | $834 | $564 | $34 | $168 | $1,970 | $164 |
| Ridgeline RTL W/Navigation 4WD | $370 | $834 | $564 | $34 | $168 | $1,970 | $164 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Estimates do not factor in specific garaging location which can change premium rates significantly.
How high should deductibles be?
One of the more difficult decisions when buying insurance is where to set your physical damage deductibles. The tables below outline the difference in cost when you select higher and lower physical damage deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $380 | $686 | $500 | $30 | $150 | $1,771 | $148 |
| Ridgeline RTS 4WD | $430 | $686 | $500 | $30 | $150 | $1,821 | $152 |
| Ridgeline RTL 4WD | $430 | $810 | $500 | $30 | $150 | $1,945 | $162 |
| Ridgeline RTL W/Navigation 4WD | $430 | $810 | $500 | $30 | $150 | $1,945 | $162 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $210 | $362 | $500 | $30 | $150 | $1,252 | $104 |
| Ridgeline RTS 4WD | $238 | $362 | $500 | $30 | $150 | $1,280 | $107 |
| Ridgeline RTL 4WD | $238 | $426 | $500 | $30 | $150 | $1,344 | $112 |
| Ridgeline RTL W/Navigation 4WD | $238 | $426 | $500 | $30 | $150 | $1,344 | $112 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in vehicle location which can revise rates substantially.
Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $47 more each month or $564 every year than choosing the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you go more than 19 months between claim filings, you would save money if you choose the higher deductible.
Age, gender, and Honda Ridgeline insurance
The information below shows the comparison of Honda Ridgeline auto insurance rates for male and female drivers. The prices are based on no violations or accidents, comp and collision included, $250 deductibles, single status, and no discounts are factored in.
Exclusive or independent insurance agents
A small number of people prefer to visit with an insurance agent and doing that can be a smart decision Good agents can help you build your policy and help submit paperwork. A good thing about getting free rate quotes online is you may find cheap rate quotes but still work with a licensed agent.
Upon completion of this short form, your coverage information is immediately sent to participating agents in Long Beach that give free quotes and help you find cheaper coverage. It makes it easy because there is no need to leave your computer due to the fact that quote results will go instantly to you. If you have a need to compare prices from a specific car insurance provider, just jump over to their website and submit a quote form there.
Finding the right insurance company should include more criteria than just a cheap quote. Here are some questions to ask:
- Can they give you a list of client referrals?
- How much can you save by raising your physical damage deductibles?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Which insurance companies are they affiliated with?
- Does the agent have a valid license to sell insurance in California?
- Do the companies they represent have a solid financial rating?
- How long have they been in business?
Insuring your vehicle just makes sense
Despite the high insurance cost for a Honda Ridgeline in Long Beach, insuring your vehicle is most likely required but also gives you several important benefits.
- Just about all states have compulsory liability insurance requirements which means you are required to carry specific limits of liability insurance coverage if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a lien on your Honda Ridgeline, it’s most likely the lender will force you to have insurance to guarantee loan repayment. If you let the policy lapse, the bank will be required to insure your Honda at a much higher rate and require you to fork over the higher premium.
- Car insurance preserves your Honda Ridgeline and your assets. It will also pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. Liability insurance also pays expenses related to your legal defense if anyone sues you for causing an accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.
The benefits of buying car insurance more than cancel out the cost, especially when you need to use it. Today the average American driver is wasting up to $700 annually so compare rate quotes at least once a year to ensure rates are competitive.
Detailed coverages of your insurance policy
Knowing the specifics of a insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.
Collision coverage – Collision coverage will pay to fix damage to your Ridgeline resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for things like colliding with a tree, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible on your Ridgeline to get cheaper collision coverage.
Liability car insurance – Liability coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 15/30/5 that translate to a $15,000 limit per person for injuries, $30,000 for the entire accident, and a limit of $5,000 paid for damaged property.
Liability coverage protects against claims such as pain and suffering, emergency aid, medical services and funeral expenses. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford. California requires minimum liability limits of 15/30/5 but it’s recommended drivers buy better liability coverage.
The next chart shows why buying low liability limits may not be enough coverage.
Comprehensive auto coverage – This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as hitting a bird, vandalism and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for immediate expenses like doctor visits, nursing services and surgery. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Honda Ridgeline.
Since many California drivers carry very low liability coverage limits (15/30/5 in California), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.
California auto insurance companies ranked
Picking the top insurance company can be rather challenging considering how many companies provide coverage in Long Beach. The company rank data displayed below can help you pick which car insurance providers to look at when shopping your coverage around.
Top 10 Long Beach Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Top 10 Long Beach Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Cheap auto insurance rates are possible
We just covered many ways to find lower-cost Honda Ridgeline insurance in Long Beach. The key concept to understand is the more times you quote, the better your comparison will be. You may even discover the most savings is with a lesser-known regional company.
Consumers who switch companies do it for any number of reasons including delays in responding to claim requests, not issuing a premium refund, denial of a claim and lack of trust in their agent. Regardless of your reason, finding a new auto insurance company is actually quite simple.
Some auto insurance companies may not offer price quotes online and these regional insurance providers sell through independent insurance agencies. Cheaper auto insurance in Long Beach can be found online and from local agencies, and you should be comparing both to have the best chance of lowering rates.
Additional information is located on the following sites:
- Choosing an Insurance Company (Insurance Information Institute)
- What Car Insurance is Cheapest for a GMC Sierra in Long Beach? (FAQ)
- Who Has Affordable Long Beach Auto Insurance for Drivers Requiring a SR22? (FAQ)
- Who Has the Cheapest Auto Insurance for First-time Drivers in Long Beach? (FAQ)
- Who Has Cheap Auto Insurance for Drivers with Bad Credit in Long Beach? (FAQ)
- Who Has Cheap Long Beach Auto Insurance for High Mileage Drivers? (FAQ)
- Vehicle Size and Weight FAQ (iihs.org)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Credit and Insurance Scores (Insurance Information Institute)