Car Insurance Rate Quotes for a Honda Ridgeline in San Antonio

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Are you tired of trying to scrape together enough money to make your insurance payment? You have the same problem as many other Texas drivers.

Insurance for Honda RidgelineWe don't have to tell you that auto insurance companies don't want you quoting rates from other companies. Consumers who shop around are very likely to buy a different policy because there is a high probability of finding coverage at a cheaper rate. A recent survey discovered that people who compared rates annually saved on average $860 a year compared to those who never shopped around for better prices.

If finding budget-friendly insurance is your intention, then having an understanding of how to get free comparison quotes and analyze insurance coverage can make the process more efficient. Insurance companies such as Progressive, GEICO and Farmers Insurance continually bombard you with fancy advertisements and it can be hard to avoid their marketing magic and effectively compare rates to find the best deal.

How to shop Honda Ridgeline insurance online

Most of the larger companies like State Farm, Allstate and GEICO allow you to get prices for coverage on their websites. Getting online rates for Honda Ridgeline insurance in San Antonio is pretty easy because it's just a matter of typing in the amount of coverage you want as requested by the quote form. Once entered, the system will obtain your driving record and credit report and returns a price determined by many factors. Being able to quote online for Honda Ridgeline insurance in San Antonio makes it easy to compare insurance prices and it's necessary to get many rate quotes in order to get the best rate on car insurance.

In order to get comparison pricing now, compare rates now from the companies shown below. If you have your current policy handy, we recommend you input the limits and deductibles exactly as they are listed on your policy. This guarantees you are getting comparison quotes for similar insurance coverage.

The companies in the list below have been selected to offer free rate quotes in San Antonio, TX. If more than one company is shown, we recommend you visit as many as you can to find the lowest car insurance rates.

Insuring your vehicle just makes sense

Even though it's not necessarily cheap to insure a Honda in San Antonio, maintaining insurance may be required for several reasons.

  • Almost all states have minimum liability requirements which means you are required to carry a specific level of liability insurance 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.
  • If your Honda Ridgeline has a loan, most lenders will require that you buy full coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank may insure your Honda at an extremely high rate and force you to pay the higher premium.
  • Insurance protects both your assets and your vehicle. It will also cover medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability insurance also covers legal expenses if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, your auto insurance policy will pay to have it repaired.

The benefits of having auto insurance are without a doubt worth the cost, particularly for liability claims. Today the average American driver is overpaying more than $830 a year so you should quote and compare rates each time the policy renews to be sure current rates are still competitive.

Honda Ridgeline insurance statistics and information

The rate information shown below highlights a range of insurance rates for Honda Ridgeline models. Having insight into how insurance policy rates are figured is important for making smart choices when buying a car insurance policy.

Honda Ridgeline Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ridgeline RT 4WD $206 $392 $452 $26 $136 $1,212 $101
Ridgeline RTS 4WD $232 $392 $452 $26 $136 $1,238 $103
Ridgeline RTL 4WD $232 $462 $452 $26 $136 $1,308 $109
Ridgeline RTL W/Navigation 4WD $232 $462 $452 $26 $136 $1,308 $109
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Price information does not factor in vehicle garaging location which can increase or decrease rates considerably.

Choosing deductibles

When comparing auto insurance rates, the most common question is what deductibles to buy. The comparisons below sum up the difference in cost of buying low and high insurance deductibles. The first price estimate table uses a $250 deductible for comprehensive and collision coverage and the second set of rates uses a $1,000 deductible.

Honda Ridgeline insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ridgeline RT 4WD $294 $496 $430 $26 $128 $1,399 $117
Ridgeline RTS 4WD $332 $496 $430 $26 $128 $1,437 $120
Ridgeline RTL 4WD $332 $584 $430 $26 $128 $1,525 $127
Ridgeline RTL W/Navigation 4WD $332 $584 $430 $26 $128 $1,525 $127
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Honda Ridgeline insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ridgeline RT 4WD $182 $312 $430 $26 $128 $1,078 $90
Ridgeline RTS 4WD $206 $312 $430 $26 $128 $1,102 $92
Ridgeline RTL 4WD $206 $368 $430 $26 $128 $1,158 $97
Ridgeline RTL W/Navigation 4WD $206 $368 $430 $26 $128 $1,158 $97
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Estimates do not factor in zip code location which can alter coverage rates significantly.

Based on this data, using a $250 deductible costs approximately $29 more each month or $348 annually than opting for the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 26 months between claims, you would save money if you opt for a higher deductible. The table below illustrates an example of how you can perform this determination yourself.

Average monthly premium for $250 deductibles: $123
Average monthly premium for $1,000 deductibles (subtract): - $94
Monthly savings from raising deductible: $29
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

Violations and accidents raise rates

The example below highlights how traffic violations and at-fault fender-benders impact Honda Ridgeline car insurance costs for different age categories. The price estimates are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.

Price comparison of only insuring for liability

The chart below compares Honda Ridgeline car insurance costs with and without physical damage coverage. The premiums are based on a clean driving record, no at-fault accidents, $500 deductibles, single marital status, and no discounts are factored in.

Should you be buying full coverage?

There isn't a written rule for excluding full coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let's pretend your Honda Ridgeline settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $5,000 after the deductible is paid. If it's costing in excess of $500 a year for physical damage coverage, then you might want to consider buying only liability coverage.

There are some situations where only buying liability is not in your best interest. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

Cheaper rates with these five discounts on Honda Ridgeline insurance in San Antonio

Buying insurance is not cheap, but you may find discounts that could drop your premiums quite a bit. Some discounts apply automatically at the time of quoting, but once in a while a discount must be requested specifically in order for you to get them.Cheaper insurance with discounts

  • Mature Driver Discount - Drivers that qualify as senior citizens can get a discount up to 10%.
  • No Claims - Drivers who don't have accidents pay less compared to insureds who have frequent claims or accidents.
  • Discounts for New Vehicles - Adding a new car to your policy may earn a small discount compared to insuring an older model.
  • Driver's Ed - Have your child enroll in driver's education if offered at their school.
  • Passive Restraints and Air Bags - Factory air bags or automatic seat belts can receive discounts up to 30%.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Some only reduce individual premiums such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, it doesn't quite work that way. But any discount will cut your premiums.

The information below shows the difference between Honda Ridgeline yearly insurance costs with and without discounts applied to the premium. The price estimates are based on a female driver, no claims, a clean driving record, Texas 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-car, claim-free, safe-driver, homeowner, multi-policy, and marriage discounts applied.

Popular insurance companies and a selection of discounts include:

  • Progressive policyholders can earn discounts including online quote discount, homeowner, continuous coverage, online signing, multi-vehicle, multi-policy, and good student.
  • The Hartford has discounts for bundle, air bag, anti-theft, defensive driver, good student, driver training, and vehicle fuel type.
  • Mercury Insurance offers premium reductions for professional/association, type of vehicle, ease of repair, good student, multi-policy, and annual mileage.
  • GEICO offers discounts including multi-vehicle, membership and employees, five-year accident-free, multi-policy, anti-theft, defensive driver, and anti-lock brakes.
  • AAA may have discounts that include good driver, good student, pay-in-full, multi-policy, education and occupation, multi-car, and anti-theft.
  • State Farm includes discounts for multiple autos, Steer Clear safe driver discount, good driver, accident-free, passive restraint, good student, and driver's education.

When getting free San Antonio auto insurance quotes, it's a good idea to all companies you are considering to give you their best rates. All car insurance discounts may not apply to policies in San Antonio. To locate companies that offer some of these discounts in Texas, click this link.