Auto Insurance Quotes for a Honda Ridgeline in Seattle

Insurance quote for Honda Ridgeline in SeattleIf you are new to online price comparisons, by this point your are probably bewildered by the vast assortment of online auto insurance companies and websites all claiming to have the lowest rates for Honda Ridgeline insurance in Seattle.

A study showed that a large majority of consumers have purchased from the same company for over three years, and 38% of customers have never quoted auto insurance rates at all. With the average auto insurance premium being $1,200, Washington drivers could save as much as 40% each year just by shopping around, but they just assume it’s a time-consuming process to compare other rate quotes.

If you have insurance now, you will definitely be able to reduce premiums using these methods. We hope to introduce you to how car insurance companies work and some money-saving tips. Although Washington consumers do need to understand the way insurance companies determine premium rates and apply this information to your search.

Find Cheap Insurance with These Tips

Lots of factors are used in the calculation when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, although others are not quite as obvious like your vehicle usage or how safe your car is.

When comparison shopping, there are several ways to compare prices from different companies. The recommended way to find affordable Honda Ridgeline insurance rates is to jump online and get quotes.

Just remember that comparing a wide range of rates helps increase your odds of locating a lower rate.

The companies in the list below are our best choices to provide price comparisons in Seattle, WA. If the list has multiple companies, it’s highly recommended you click on several of them to get the best price comparison.

Honda Ridgeline Insurance Rates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ridgeline RT 4WD $196 $396 $376 $22 $112 $1,102 $92
Ridgeline RTS 4WD $200 $350 $434 $26 $130 $1,140 $95
Ridgeline RTL 4WD $278 $530 $340 $20 $102 $1,270 $106
Ridgeline RTL W/Navigation 4WD $180 $358 $350 $20 $104 $1,012 $84
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Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Premium amounts do not factor in specific garaging location which can impact price quotes significantly.

How accidents and tickets impact rates

The example below demonstrates how traffic citations and at-fault fender-benders can raise Honda Ridgeline insurance rates for each age group. The costs are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.

Should you raise deductibles?

A question often asked by Seattle drivers is how high should the physical damage coverage deductibles be. The following insurance rates may help to illustrate the rate differences of buying low and high insurance deductibles. The first pricing table uses a $100 deductible and the second price chart uses a $1,000 deductible.

Honda Ridgeline insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ridgeline RT 4WD $254 $458 $334 $20 $100 $1,191 $99
Ridgeline RTS 4WD $286 $458 $334 $20 $100 $1,223 $102
Ridgeline RTL 4WD $286 $540 $334 $20 $100 $1,305 $109
Ridgeline RTL W/Navigation 4WD $286 $540 $334 $20 $100 $1,305 $109
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Honda Ridgeline insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ridgeline RT 4WD $140 $242 $334 $20 $100 $836 $70
Ridgeline RTS 4WD $158 $242 $334 $20 $100 $854 $71
Ridgeline RTL 4WD $158 $284 $334 $20 $100 $896 $75
Ridgeline RTL W/Navigation 4WD $158 $284 $334 $20 $100 $896 $75
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Rate information does not factor in your specific Seattle location which can revise price quotes considerably.

Based on the above data, using a $100 deductible will cost you about $32 more each month or $384 each year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average at least 28 months between claims, you would save money if you choose the higher deductible.

Three main reasons to buy insurance

Despite the high insurance cost for a Honda Ridgeline in Seattle, insurance may be required for several reasons.

The benefits of insuring your Ridgeline are without a doubt worth the cost, especially for larger claims. The average driver in America is overpaying more than $865 each year so it’s recommended you shop around at every renewal to be sure current rates are still competitive.

Lower rates by qualifying for discounts

Some providers do not list all possible discounts very well, so the below list has some of the more common and the more hidden discounts that may be available.Save money with discounts

As a footnote on discounts, most of the big mark downs will not be given to the entire cost. Most only apply to specific coverage prices like comp or med pay. Just because it seems like you could get a free insurance policy, companies don’t profit that way.

A few companies that may have some of the above discounts possibly include:

If you are trying to find inexpensive Seattle auto insurance quotes, ask all the companies which discounts they offer. Depending on the company, some discounts may not apply to policies in every state. To see insurance companies with significant discounts in Seattle, click here.

Shop online but buy locally

Some people would rather have an agent’s advice and that is just fine! A nice benefit of getting online price quotes is that drivers can save money and get cheap car insurance rates and still have an agent to talk to. Supporting neighborhood insurance agencies is definitely important in Seattle.

Find insurance agent in SeattleAfter completing this quick form, the quote information is immediately sent to insurance agents in Seattle that provide free Seattle auto insurance quotes for your insurance coverage. There is no reason to search for an agent due to the fact that quote results will go to you. You can find better rates and a licensed agent to work with. If you want to compare rates from a specific insurance company, don’t hesitate to find their quoting web page to submit a rate quote request.

If you prefer to buy car insurance from a local insurance agency, it’s helpful to know the types of agencies and how they operate. Car insurance agents can be classified as either independent agents or exclusive agents.

Independent Car Insurance Agencies

Agents that elect to be independent can sell policies from many different companies and that gives them the ability to insure with a variety of different insurance companies depending on which coverage is best. If they find a lower price, an independent agent can move your coverage without you having to go to a different agency.

If you need cheaper car insurance rates, you definitely need to compare prices from at least one independent agent to get the most accurate price comparison. Most have the option of insuring with smaller mutual companies that can offer cheaper rates than bigger companies.

Below is a list of independent insurance agents in Seattle who may be able to give you free price quotes.

More Seattle agents

Exclusive Insurance Agencies

Exclusive agencies work for only one company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. They usually cannot shop your coverage around so they have no alternatives for high prices. Exclusive agencies receive a lot of sales training on their company’s products which aids in selling service over price. Some people will only buy from the same agent for years primarily because of high brand loyalty rather than low rates.

Shown below is a short list of exclusive insurance agencies in Seattle willing to provide rate quotes.

More Seattle agents

Choosing an insurance agent requires you to look at more than just the quoted price. Ask your prospective agent these questions:

After getting good answers to any questions you may have and a low price estimate, it’s a good possibility that you have found an insurance agency that can be trusted to properly service your car insurance policy.

Don’t give up on affordable premiums

Insureds who switch companies do it for a variety of reasons including policy non-renewal, an unsatisfactory settlement offer, delays in responding to claim requests or lack of trust in their agent. It doesn’t matter why you want to switch finding a new insurance company is pretty easy and you might even save some money in the process.

When searching for low cost Seattle auto insurance quotes, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed comprehensive coverage or liability limits only to discover later that the savings was not a smart move. The goal is to purchase plenty of coverage at the lowest possible cost, not the least amount of coverage.

We covered a lot of information how to reduce Honda Ridgeline insurance rates online in Seattle. The key thing to remember is the more quotes you get, the better likelihood of getting affordable Seattle auto insurance quotes. Consumers could even find that the best price on insurance is with a company that doesn’t do a lot of advertising.

More detailed insurance information is available in the articles below: