Has it been a year or more since you last compared quotes for low-cost Honda Ridgeline insurance in San Francisco? Paying for high-priced Honda Ridgeline insurance in San Francisco can diminish your funds and possibly require postponing other expenditures. Performing a price comparison is a smart way to lower your bills every month.
It’s a fact that car insurance companies don’t want you to look for a cheaper policy. Consumers who get price comparisons will most likely switch to a new company because there is a high probability of getting low-cost coverage. A study discovered that drivers who compared prices regularly saved an average of $3,400 over four years compared to those who never shopped around.
If finding the cheapest rates on Honda Ridgeline insurance in San Francisco is your intention, then learning about how to get price quotes and compare coverages can make it simple to find affordable coverage.
Drivers have multiple car insurance companies to pick from, and although it’s a good thing to have multiple companies, lots of choices makes it harder to get the best deal for Honda Ridgeline insurance in San Francisco.
Quoting and buying the lowest cost auto insurance coverage in San Francisco is not that difficult. Just about everyone who needs cheaper auto insurance will probably be able to find lower rates. But California vehicle owners do need to know the way companies price insurance differently because rates are impacted by many factors.
To find cheap rates, there are a couple of ways to compare rate quotes from many different California insurance companies. The easiest way to find the cheapest Honda Ridgeline insurance rates is to perform an online rate comparison.
Getting free quotes online is quite simple, and it makes it obsolete to go to insurance agencies in your area. Comparing Honda Ridgeline insurance rate quotes online reduces the need to sit down with an agent unless you want the professional assistance that you can only get from talking to an agent. Although you can compare the best prices online but still have the advice of a local agent.
Just remember that having more price comparisons will increase your chances of finding a lower rate. Not every company does online San Francisco Ridgeline insurance quotes, so you should also compare rates from the smaller companies as well.
The providers in the list below are our best choices to provide price quotes in California. If more than one company is shown, it’s a good idea that you get rate quotes from several of them to get the best price comparison.
Cheaper rates on Honda Ridgeline insurance in San Francisco with these discounts
The price of auto insurance can be rather high, but you might be missing out on some discounts that could drop your premiums quite a bit. A few discounts will be applied at the time of purchase, but occasionally some discounts must be asked for before being credited. If they aren’t giving you every credit possible, you are paying more than you should be.
- San Francisco Homeowners Discount – Owning your own home or condo can save you money because maintaining a house shows financial diligence.
- Claim-Free Discount – Claim-free drivers have much lower rates when compared to drivers who are more careless.
- Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you may reduce your total bill.
- Federal Government Employee – Employees or retirees of the government may reduce rates when you quote San Francisco car insurance but check with your company.
- College Student Discount – Kids who live away from home to go to college without a vehicle on campus could qualify for this discount.
- Defensive Driver – Taking part in a course teaching defensive driving skills could earn you a small percentage discount and easily pay for the cost of the class.
It’s important to note that many deductions do not apply to your bottom line cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, it just doesn’t work that way.
The chart below shows the difference between Honda Ridgeline premium costs with and without discounts applied to the premium. The rates are based on a male driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, claim-free, safe-driver, and homeowner discounts applied.
To see companies that offer some of these discounts in San Francisco, follow this link.
Analysis of Honda Ridgeline rates
The price information below covers different rate quotes for Honda Ridgeline models. Knowing how policy rates are established can assist in making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $238 | $454 | $564 | $34 | $168 | $1,458 | $122 |
| Ridgeline RTS 4WD | $270 | $454 | $564 | $34 | $168 | $1,490 | $124 |
| Ridgeline RTL 4WD | $270 | $536 | $564 | $34 | $168 | $1,572 | $131 |
| Ridgeline RTL W/Navigation 4WD | $270 | $536 | $564 | $34 | $168 | $1,572 | $131 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Table data does not factor in garaging location in San Francisco which can alter prices greatly.
Higher deductibles lower rates
When shopping for insurance, a common question is which comprehensive and collision deductibles to buy. The figures shown below can help you understand the rate fluctuation of buying low and high physical damage deductibles. The first rate comparisons uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $342 | $576 | $500 | $30 | $150 | $1,623 | $135 |
| Ridgeline RTS 4WD | $386 | $576 | $500 | $30 | $150 | $1,667 | $139 |
| Ridgeline RTL 4WD | $386 | $678 | $500 | $30 | $150 | $1,769 | $147 |
| Ridgeline RTL W/Navigation 4WD | $386 | $678 | $500 | $30 | $150 | $1,769 | $147 |
| 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 | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Prices do not factor in specific garaging location which can modify price quotes greatly.
Based on this data, using a $250 deductible costs roughly $33 more each month or $396 every year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 23 months between claim filings, you would more than likely save some money by selecting a higher deductible.
Compare rates but still have a local San Francisco insurance agency
A small number of people would rather buy from a local agent and doing so can bring peace of mind A good thing about price shopping on the web is the fact that drivers can get lower rates and still choose a local agent. And buying from small agencies is important especially in San Francisco.
To find an agent, once you fill out this quick form, the quote information is sent to local insurance agents that give free quotes to get your business. It simplifies rate comparisons since you won’t have to visit any agencies as quotes are delivered to you instantly. Get lower rates and work with a local agent. If for some reason you want to get a rate quote from a particular provider, you just need to navigate to their website and fill out their quote form.
Is an exclusive or independent auto insurance agent right for you?
When looking for a reputable agency, it can be helpful to understand the different agency structures that you can select. Car insurance agents may be either independent (non-exclusive) or exclusive.
Independent Insurance Agents
These type of agents do not sell for just one brand so they can insure your vehicles with a variety of different insurance companies and get the cheapest rates. If your premiums go up, the business is moved internally which makes it simple for you.
When searching for an agent, you absolutely need to get quotes from at least one independent agent to have the best price comparison.
Featured below is a small list of independent insurance agencies in San Francisco who can help you get pricing information.
Scarborough Insurance Agency
329 Bryant St – San Francisco, CA 94107 – (415) 371-1398 – View Map
Al Zeidler Insurance Agency
1714 Stockton St #417 – San Francisco, CA 94133 – (415) 753-1936 – View Map
Steven Cresci Insurance Agency
544 Golden Gate Ave – San Francisco, CA 94102 – (415) 212-8190 – View Map
View more San Francisco agents
Exclusive Insurance Agencies
Agents in the exclusive channel have only one company to place business with such as American Family, State Farm, and Allstate. They generally cannot compare rates from other companies so if the price isn’t competitive there isn’t much they can do. They receive a lot of sales training in insurance sales and that enables them to sell even at higher rates.
Shown below is a short list of exclusive agencies in San Francisco who can help you get price quote information.
Angela Ng – State Farm Insurance Agent
377 W Portal Ave – San Francisco, CA 94127 – (415) 731-7400 – View Map
Farmers Insurance – Elbert Taylor
386 29th St – San Francisco, CA 94131 – (415) 285-4800 – View Map
State Farm: Traci Hollander
556 Castro St – San Francisco, CA 94114 – (415) 575-3775 – View Map
View more San Francisco agents
Picking a car insurance agent should depend on more than just a cheap quote. Some important questions to ask are:
- If you are a high risk driver, do they have special markets for your coverage?
- Do they carry Errors and Omissions coverage?
- Is there a local claims center in San Francisco?
- Does the company have a solid financial rating?
- How long has their agency been open in San Francisco?
After receiving good responses to your questions as well as an affordable premium quote, it’s a good possibility that you have found an auto insurance agent that will insure your vehicles. Just understand that you have the power to cancel your coverage for any reason so don’t assume that you are obligated to a specific agent for the entire policy term.
Why Your Insurance Prices might be higher
Many things are considered when you get your auto insurance bill. A few of the factors are predictable such as your driving history, although some other factors are less obvious such as your marital status or your commute time. It’s important that you understand a few of the rating criteria that aid in calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels, this enables you to make decisions that could result in lower rates.
The following are just a few of the factors that factor into your rates.
Rates are affected by your address – Choosing to live in less populated areas of the country is a positive aspect when shopping for auto insurance. Fewer drivers translates into fewer accident claims as well as less vandalism and auto theft. Residents of big cities have more aggressive driving styles and much longer commute distances. More time commuting means more chances of being involved in an auto accident.
Are men or women drivers cheaper? – Over the last 50 years, statistics have shown that females take fewer risks when driving. Now that doesn’t mean men are WORSE drivers than women. Females and males cause fender benders in similar numbers, but males have costlier accidents. Men also receive more costly citations like driving under the influence (DUI). Male drivers age 16 to 19 are the most expensive to insure so they pay the highest premiums.
The chart below shows the comparison of Honda Ridgeline insurance premiums for male and female drivers. The prices are based on no claims or violations, full coverage, $1,000 deductibles, single marital status, and no discounts are applied.
More performance means more cost – The make and model of the vehicle you drive makes a substantial difference in your car insurance bill. Smaller low performance passenger cars usually are quite affordable to insure, but there are many factors that impact the final cost.
The following data is based on a single female driver age 40, full coverage with $1000 deductibles, and no discounts or violations. It compares Honda Ridgeline insurance premiums compared to other vehicles that have different performance rating factors.
Tickets and citations cost more than a fine – Just one speeding ticket or other violation may cause rates to rise by as much as twenty percent. Attentive drivers get better prices as compared to careless drivers. Drivers who get multiple violations like DUI or willful reckless driving may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to prevent their license from being revoked.
The information below demonstrates how traffic citations and at-fault accidents can affect Honda Ridgeline car insurance rates for different age groups. The premiums are based on a married female driver, full coverage, $100 deductibles, and no discounts are factored in.
Low credit score equals high premiums – Having a bad credit score factor in your rate calculation. Insureds with very good credit scores tend to be better risks to insure than drivers who have lower ratings. Therefore, if your credit rating is not that good, you could potentially save money when insuring your Honda Ridgeline by spending a little time repairing your credit.
Rental and towing coverage may not be needed – Insurance policies have a lot of add-on coverages that sound like a good idea at the time on your Ridgeline policy. Add-on coverages like rental car coverage, accidental death, and membership fees may not be needed and are just wasting money. The coverages may be enticing when deciding what coverages you need, but if they’re wasting money remove them from your policy.
Safer vehicles means cheaper insurance – Vehicles that have high safety ratings get lower rates. Vehicles built for safety reduce the chance of injuries and lower injury rates means less claims paid and thus lower rates.
Long commutes cost more – The more you drive in a year’s time the higher your rates will be. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Cars that do not get driven very much can get a lower rate than those that get driven frequently. Verify your auto insurance policy reflects how each vehicle is driven, because improper ratings can cost you money. An improperly rated Ridgeline may be costing you.
Why you need quality insurance for your Honda vehicle
Even though it’s not necessarily cheap to insure a Honda in San Francisco, insurance may be required for several reasons.
- Most states have minimum mandated liability insurance limits which means you are required to carry a specific level of liability insurance 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 your Ridgeline has a lienholder, almost all lenders will have a requirement that you have insurance to guarantee loan repayment. If you do not keep the policy in force, the bank may buy a policy for your Honda for a lot more money and require you to reimburse them a much higher amount than you were paying before.
- Insurance protects both your Honda Ridgeline and your personal assets. It will also pay for all forms of medical expenses incurred in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to have it repaired.
The benefits of carrying adequate insurance definitely exceed the cost, particularly for liability claims. As of last year, the average driver in California overpays more than $800 each year so you should quote and compare rates each time the policy renews to save money.
What is YOUR best insurance company?
As you quote San Francisco car insurance, you should never skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. Your goal should be to buy a smart amount of coverage at the best price, but do not sacrifice coverage to save money.
Cheap Honda Ridgeline insurance in San Francisco is available online and with local San Francisco insurance agents, so you need to quote San Francisco car insurance with both to have the best selection. A few companies may not have internet price quotes and these small, regional companies only sell through local independent agencies.
Steps to saving on Honda Ridgeline insurance in San Francisco
If you want to find the absolute lowest rates, then the best way to get more affordable Honda Ridgeline insurance is to compare prices at least once a year from providers that sell auto insurance in San Francisco. You can shop around by completing these steps.
- Try to understand how companies set rates and the steps you can take to keep rates in check. Many rating criteria that increase rates such as at-fault accidents and an unfavorable credit rating can be controlled by improving your driving habits or financial responsibility.
- Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO and Allstate, while independent agents can quote rates for a wide range of companies. View a list of agents
- Compare the new rates to the price on your current policy to see if you can save by switching companies. If you find a lower rate and make a switch, make sure there is no coverage gap between policies.
- Provide notification to your current agent or company of your decision to cancel your current policy and submit a completed policy application and payment to the new insurer. As soon as you have the new policy, place the new proof of insurance paperwork in an accessible location in your vehicle.
A good tip to remember is to make sure you enter the same coverage limits and deductibles on every quote and and to get rates from as many companies as feasibly possible. Doing this guarantees a fair price comparison and a good representation of prices.
To read more, link through to the resources below:
- Vehicle Size and Weight FAQ (iihs.org)
- What Auto Insurance is Cheapest for Drivers with Accidents in San Francisco? (FAQ)
- What Insurance is Cheapest for Infrequent Drivers in San Francisco? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Honda Accord in San Francisco? (FAQ)
- Top Signs Your Brakes are Giving Out (State Farm)
- Information for Teen Drivers (GEICO)