Auto Insurance Rate Quotes for a Honda Ridgeline in El Paso

Discount Honda Ridgeline insuranceThe easiest way to get the cheapest Honda Ridgeline insurance in El Paso is to do an annual price comparison from companies who can sell car insurance in Texas. Rate comparisons can be done by completing these steps.

  1. Try to learn a little about how companies set rates and the modifications you can make to prevent expensive coverage. Many factors that increase rates such as accidents, traffic tickets, and bad credit can be improved by making minor changes in your lifestyle.
  2. Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like GEICO or State Farm, while agents who are independent can provide price quotes from many different companies. Compare rates now
  3. Compare the new rate quotes to the premium of your current policy to determine if you can save on Ridgeline insurance in El Paso. If you find a lower rate quote, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Provide notification to your current company to cancel your current auto insurance policy. Submit payment and a signed application for your new policy. As soon as you receive it, put the certificate verifying coverage in an easily accessible location.

One important bit of advice is to try to use similar coverage information on every quote and and to get quotes from as many car insurance companies as possible. This enables an apples-to-apples comparison and plenty of rates choose from.

A recent insurance study discovered that nearly 70% of consumers have been with the same company for four years or more, and just under half have never quoted rates to find cheaper coverage. With the average insurance premium being $2,700, Texas drivers could cut their rates by about $1,770 a year by just shopping around, but they just assume it takes a lot of time to compare rates.

If you are already insured or just want to reduce your rates, use these money-saving tips to lower your rates without sacrificing coverage. Locating the best rates in El Paso is actually quite simple. Shoppers just have to know the best way to compare rates using one simple form.

Many insurance companies give coverage price quotes from their websites. Getting quotes for Honda Ridgeline insurance in El Paso doesn’t take much effort as you simply type in the coverages you want into the quote form. Upon sending the form, their rating system obtains your driving record and credit report and provides a quote based on these and other factors. This helps simplify price comparisons, and it’s necessary to compare as many rates as possible in order to get a better rate.

In order to fill out one form to compare multiple rates now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you replicate coverages and limits as shown on your current policy. Doing this assures you will get rate comparison quotes based on identical coverages.

The following companies have been selected to offer price comparisons in Texas. If several companies are displayed, we suggest you click on several of them to get the best price comparison.

Choosing Honda vehicle insurance is an important decision

Even though El Paso Ridgeline insurance rates can get expensive, buying auto insurance serves a purpose in several ways.

First, almost all states have compulsory liability insurance requirements which means the state requires a specific minimum amount of liability protection in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a loan on your car, more than likely the lender will force you to have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the lender may insure your Honda for a lot more money and require you to reimburse them a much higher amount than you were paying before.

Third, auto insurance protects not only your car but also your financial assets. Insurance will pay for all forms of medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, will also pay to defend you if you are sued as the result of your driving. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of insuring your car are definitely more than the cost, especially if you ever need it. The average driver in America is overpaying over $855 a year so you should quote your policy with other companies each time the policy renews to ensure rates are inline.

Insurance coverage analysis

The rate information displayed next outlines a range of coverage costs for Honda Ridgeline models. Having a better idea how policy premiums are determined can be valuable when making smart choices when selecting a coverage provider.

Honda Ridgeline Insurance Rates in El Paso, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ridgeline RT 4WD $326 $610 $582 $34 $174 $1,726 $144
Ridgeline RTS 4WD $368 $610 $582 $34 $174 $1,768 $147
Ridgeline RTL 4WD $368 $720 $582 $34 $174 $1,878 $157
Ridgeline RTL W/Navigation 4WD $368 $720 $582 $34 $174 $1,878 $157
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Information does not factor in garaging location in El Paso which can modify rates greatly.

Car insurance deductibles

When buying car insurance, a common question is which comprehensive and collision deductibles to buy. The following insurance rates can help show the rate fluctuation when you choose different insurance deductibles. The first pricing table uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.

Honda Ridgeline insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ridgeline RT 4WD $328 $592 $430 $26 $128 $1,529 $127
Ridgeline RTS 4WD $370 $592 $430 $26 $128 $1,571 $131
Ridgeline RTL 4WD $370 $698 $430 $26 $128 $1,677 $140
Ridgeline RTL W/Navigation 4WD $370 $698 $430 $26 $128 $1,677 $140
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Honda Ridgeline insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ridgeline RT 4WD $240 $400 $430 $26 $128 $1,224 $102
Ridgeline RTS 4WD $270 $400 $430 $26 $128 $1,254 $105
Ridgeline RTL 4WD $270 $472 $430 $26 $128 $1,326 $111
Ridgeline RTL W/Navigation 4WD $270 $472 $430 $26 $128 $1,326 $111
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Price estimates do not factor in specific garaging location which can decrease or increase rates noticeably.

Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $28 more each month or $336 a year than requesting the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at least 14 months between claims, you would most likely save money if you elect the higher deductible.

Calculation for raising deductibles

Average monthly premium for $100 deductibles: $135
Average monthly premium for $500 deductibles (subtract): – $107
Monthly savings from raising deductible: $28
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

How violations and accidents impact rates

The diagram below illustrates how violations and at-fault collisions can affect Honda Ridgeline insurance costs for each age group. The data assumes a married female driver, full coverage, $250 deductibles, and no discounts are applied.

Discounts for cheap car insurance rates

Car insurance can be pricey, but you might already qualify for some discounts that could drop your premiums quite a bit. Some of these discounts will be visible when you complete an application, but some discounts are required to be asked for prior to getting the savings.Cheaper car insurance with discounts

As is typical with insurance, most discount credits are not given to the whole policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. Any amount of discount will help reduce the cost of your policy.

The diagram below compares Honda Ridgeline insurance costs with and without discounts being applied to the rates. The premium estimates are based on a male driver, no claims or violations, Texas state minimum liability limits, comprehensive and collision coverage, 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, multi-car, and homeowner discounts applied.

A few popular companies and a summarized list of policyholder discounts include:

Before purchasing a policy, check with each insurance company which discounts you qualify for. Some credits may not apply to policies in El Paso. To see insurers who offer car insurance discounts in Texas, follow this link.

Don’t assume everyone needs the same auto insurance coverage

When it comes to the best auto insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different and your auto insurance should unique, too.Auto insurance savings
Here are some questions about coverages that can help discover if your situation could use an agent’s help.

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.