How many times have you put off comparing quotes for more affordable Honda Ridgeline insurance in Scottsdale? Vehicle owners not familiar with comparing insurance rates online are likely to find locating the cheapest Honda Ridgeline insurance in Scottsdale can be quite challenging.
Steps to finding the cheapest rates for Honda Ridgeline insurance in Scottsdale
The best way we recommend to find affordable Honda Ridgeline insurance in Scottsdale is to begin comparing prices regularly from companies who sell insurance in Arizona. You can compare rates by following these guidelines.
- Try to learn about what is in your policy and the steps you can take to drop your rates. Many risk factors that result in higher prices such as traffic violations, accidents, and a not-so-good credit history can be improved by making minor changes in your lifestyle. Continue reading for more information to find cheap rates and get additional discounts that may have been overlooked.
- Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like GEICO and Allstate, while independent agencies can provide prices for a wide range of insurance providers.
- Compare the price quotes to your existing policy and see if there is a cheaper rate. If you can save money and buy the policy, ensure coverage does not lapse between policies.
- Give proper notification to your current agent or company of your intent to cancel the current policy. Submit a down payment along with a signed application for the new policy. Don’t forget to put the new certificate verifying proof of insurance along with the vehicle’s registration papers.
The most important part of this process is to try to use identical limits and deductibles on each quote request and and to get quotes from every company you can. Doing this ensures the most accurate price comparison and many rates to choose from.
Shockingly, 70% of consumers renewed their policy with the same company for over three years, and virtually 40% of consumers have never quoted rates to find cheaper coverage. The average driver in Scottsdale can cut their rates by nearly $730 a year just by shopping around, but they mistakenly think it’s difficult to go online and compare rates.
Best Honda Ridgeline insurance rate quotes in Arizona
The companies shown below offer free rate quotes in Scottsdale, AZ. If multiple companies are listed, we suggest you visit as many as you can to get the lowest price.
Analysis of coverages
The premium table shown below showcases estimates of policy rates for Honda Ridgeline models. Learning a little about how car insurance premiums are formulated can help you make decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $286 | $574 | $458 | $28 | $136 | $1,482 | $124 |
| Ridgeline RTS 4WD | $324 | $574 | $458 | $28 | $136 | $1,520 | $127 |
| Ridgeline RTL 4WD | $324 | $676 | $458 | $28 | $136 | $1,622 | $135 |
| Ridgeline RTL W/Navigation 4WD | $324 | $676 | $458 | $28 | $136 | $1,622 | $135 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can impact price quotes considerably.
Raise deductibles and save
One of the more difficult decisions when buying car insurance is which deductibles should you choose. The rates below can help you understand the rate difference between low and high policy deductibles. The first rate comparisons uses a $250 deductible for physical damage and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $232 | $390 | $338 | $20 | $102 | $1,107 | $92 |
| Ridgeline RTS 4WD | $262 | $390 | $338 | $20 | $102 | $1,137 | $95 |
| Ridgeline RTL 4WD | $262 | $460 | $338 | $20 | $102 | $1,207 | $101 |
| Ridgeline RTL W/Navigation 4WD | $262 | $460 | $338 | $20 | $102 | $1,207 | $101 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $188 | $314 | $338 | $20 | $102 | $962 | $80 |
| Ridgeline RTS 4WD | $212 | $314 | $338 | $20 | $102 | $986 | $82 |
| Ridgeline RTL 4WD | $212 | $370 | $338 | $20 | $102 | $1,042 | $87 |
| Ridgeline RTL W/Navigation 4WD | $212 | $370 | $338 | $20 | $102 | $1,042 | $87 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can raise or lower coverage prices substantially.
Based on this data, we can arrive at the conclusion that using a $250 deductible costs about $13 more each month or $156 each year than buying the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you average at a minimum 19 months between claim filings, you would save money if you choose the higher deductible.
Calculation for raising deductibles
| Average monthly premium for $250 deductibles: | $97 |
| Average monthly premium for $500 deductibles (subtract): | – $84 |
| Monthly savings from raising deductible: | $13 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $13 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One big caveat is that increasing deductibles to lower your rates results in more money out-of-pocket when you have a claim. It will be required that you have some savings in the bank in the event you have to pay more to get your vehicle repaired.
The illustration below illustrates how your choice of deductibles and can influence Honda Ridgeline insurance rates for different age groups. The premiums assume a single male driver, comp and collision included, and no other discounts are factored in.
Violations and accidents raise rates
The illustration below demonstrates how speeding tickets and accidents can influence Honda Ridgeline insurance prices for each age group. The data assumes a married male driver, full coverage, $250 deductibles, and no policy discounts are applied.
Rate comparison of males versus females in Scottsdale
The information below shows the comparison of Honda Ridgeline auto insurance rates for male and female drivers. The premium estimates are based on no claims or violations, full coverage, $250 deductibles, drivers are single, and no additional discounts are factored in.
Does it make sense to buy full coverage?
The illustration below compares Honda Ridgeline car insurance rates with liability coverage only compared to full coverage. The price estimates are based on no accidents or driving violations, $500 deductibles, drivers are single, and no discounts are applied to the premium.
Should you pay for full coverage or liability only?
There is no exact formula to stop buying physical damage coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
For example, let’s assume your Honda Ridgeline claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $7,000 after you pay the deductible. If it’s costing in excess of $700 annually for your policy with full coverage, then it may be the right time to buy liability only.
There are some cases where removing full coverage is not a good idea. If you haven’t satisfied your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
Lower Your Scottsdale Insurance Rates
An important part of buying insurance is that you know some of the factors that are used to determine your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to much lower annual insurance costs.
Prevent your car from being stolen – Choosing to buy a car with a theft deterrent system can get you a discount on your car insurance. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms can thwart vehicle theft.
Being married pays dividends – Walking down the aisle can actually save you money on your car insurance policy. Having a spouse generally demonstrates drivers are more mature than a single person and it’s proven that drivers who are married file infrequent claims.
Is your car built for speed? – The performance level of the car or truck you are trying to find cheaper insurance for makes a huge difference in your car insurance bill. Low performance passenger cars usually have the lowest premiums, but many other things help determine your insurance rates.
The following chart assumes a married female driver age 50, full coverage with $500 deductibles, and no discounts or violations. The chart compares Honda Ridgeline policy rates compared to other makes and models that have a range of risk factors.
Cars with good safety ratings lower car insurance rates – Vehicles that have high safety ratings tend to have lower insurance rates. Highly rated vehicles protect occupants better and reduced instances of injuries translates directly to fewer claims and lower rates for you.
Cheaper rates on Honda Ridgeline insurance in Scottsdale with these discounts
Auto insurance is not inexpensive, but you may find discounts that may help make it more affordable. Certain discounts will be applied when you quote, but some may not be applied and must be asked for prior to receiving the credit.
- ABS and Traction Control Discounts – Cars with ABS and/or traction control are safer to drive so you can save 10 percent or more.
- Distant Student – Any of your kids who live away from home to go to college without a vehicle on campus could qualify for this discount.
- Passive Restraints and Air Bags – Options like air bags may qualify for discounts of 20 to 30 percent.
- Multi-car Discount – Buying a policy with multiple cars or trucks on a single policy qualifies for this discount.
- Switch and Save Discount – A few auto insurance companies allow discounts for renewing your policy early. It’s a savings of about 10%.
Drivers should understand that some credits don’t apply to the entire cost. Some only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any amount of discount will help lower your policy premium.
The illustration below shows the comparison of Honda Ridgeline insurance rates with and without discounts applied to the rates. The price estimates are based on a male driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, marriage, claim-free, and multi-policy discounts applied.
If you would like to view companies who offer auto insurance discounts in Scottsdale, click here to view.
Are auto insurance agents of importance?
Many people just want to buy from a local agent and that is not a bad decision One of the benefits of comparing insurance online is you can get cheaper premium rates and still have an agent to talk to. Buying from local insurance agencies is still important in Scottsdale.
Once you complete this form (opens in new window), your coverage information is submitted to insurance agents in Scottsdale that provide free Scottsdale auto insurance quotes for your business. It’s much easier because you don’t need to contact any insurance agencies since price quotes are sent straight to your inbox. It’s the lowest rates without a big time investment. If you need to get a rate quote from a specific insurance company, you just need to search and find their rate quote page and fill out the quote form the provide.
If you need to find a local agent, there are two types of agencies and how they function. Insurance policy providers are either exclusive or independent agents depending on their company appointments.
Independent Insurance Agents
Agents in the independent channel often have many company appointments so they can quote policies amongst many companies and get you the best rates possible. To move your coverage to a new company, your agent can switch companies and you don’t have to find a new agent.
If you are trying to find cheaper rates, it’s a good idea to get quotes from several independent insurance agents in order to have the best price comparison. Many independent agencies also insure through lesser-known insurance companies that many times have cheaper rates.
The following are Scottsdale independent insurance agencies that may be able to provide free insurance rate quotes.
- Leavitt Group – Powers-Leavitt Insurance Agency
14301 N 87th St Suite 308 – Scottsdale, AZ 85260 – (480) 348-1100 – View Map - Diemer Insurance Agency Inc
16050 N 76th St – Scottsdale, AZ 85260 – (480) 264-2854 – View Map - Crest Insurance Group
Ste 375, 7272 E Indian School Rd – Scottsdale, AZ 85251 – (480) 839-2252 – View Map
Exclusive Insurance Agencies
These agents have only one company to place business with and some examples include State Farm, Allstate, and Farm Bureau. They generally cannot provide rate quotes from other companies so keep that in mind. These agents are well schooled on their products and sales techniques which aids in selling service over price. Some insured continue to use the same exclusive agent mostly because of the prominence of the brand rather than low price.
The following are Scottsdale exclusive insurance agencies willing to provide rate quotes.
- Ric Newman – State Farm Insurance Agent
10401 E McDowell Mountain Ranch Rd #110 – Scottsdale, AZ 85255 – (480) 860-2121 – View Map - Shar Roos – State Farm Insurance Agent
9393 N 90th St Ste 108C – Scottsdale, AZ 85258 – (480) 478-6968 – View Map - Scott Knudten – State Farm Insurance Agent
14702 N Frank Lloyd Wright Blvd – Scottsdale, AZ 85260 – (480) 948-8771 – View Map
Finding the right car insurance agent should include more criteria than just the price. Agents should be asked these questions:
- How are they compensated?
- Will one accident increase rates?
- How many years of experience in personal auto insurance do they have?
- What company holds the largest book of business for them?
- Does the company allow you to choose your own collision repair facility?
- How long have they been in business?
- Is vehicle damage repaired with OEM or aftermarket parts?
Ratings for Scottsdale auto insurance companies
Picking the best insurance company is difficult considering how many choices you have in Scottsdale. The ranking data shown next could help you decide which insurers you want to consider shopping prices with.
Top 10 Scottsdale Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Top 10 Scottsdale Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
One last thing to lower rates
Some insurance providers may not provide price quotes online and most of the time these regional insurance providers sell through local independent agencies. Lower-priced Honda Ridgeline insurance in Scottsdale can be bought online and with local Scottsdale insurance agents, and you should compare price quotes from both to get a complete price analysis.
In this article, we presented quite a bit of information on how to reduce Honda Ridgeline insurance auto insurance rates online in Scottsdale. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding low cost Scottsdale auto insurance quotes. Consumers may even find the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.
As you shop your coverage around, make sure you don’t sacrifice coverage to reduce premiums. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits and learned later that they should have had better coverage. The goal is to find the BEST coverage at the best possible price and still be able to protect your assets.
How to save money on Honda Ridgeline insurance in Scottsdale
Really, the only way to get discount Honda Ridgeline insurance in Scottsdale is to begin comparing prices regularly from providers who provide auto insurance in Arizona. Drivers can shop around by following these steps.
- It will benefit you to learn about policy coverages and the measures you can control to prevent high rates. Many rating criteria that result in higher prices like traffic citations and a low credit score can be eliminated by making minor changes to your lifestyle.
- Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from a single company like GEICO and Allstate, while agents who are independent can quote rates from multiple insurance companies.
- Compare the new rate quotes to your current policy and determine if there is any savings. If you can save some money and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Provide notification to your current agent or company to cancel your current coverage and submit a down payment along with a completed application for your new coverage. As soon as coverage is bound, put the certificate of insurance in your vehicle’s glove compartment or console.
One thing to remember is that you use identical coverages on every quote and and to get rate quotes from all possible companies. This helps ensure an accurate price comparison and a good representation of prices.
Additional articles
- Safety Features for Your New Car (State Farm)
- What Auto Insurance is Cheapest in Scottsdale, Arizona? (FAQ)
- Who Has Cheap Scottsdale Car Insurance for Young Drivers? (FAQ)
- How Much is Scottsdale Auto Insurance for Drivers Over Age 60? (FAQ)
- Rollover Crash FAQ (iihs.org)
- Help Your Teen Be a Better Driver (State Farm)