Astonishing but true according to a recent study, nearly 70% of consumers have remained with the same auto insurance company for well over three years, and just short of a majority have never shopped around. Drivers in the U.S. can cut their rates by approximately 47% a year just by comparing rates, but they assume it’s a waste of time to do a rate comparison.
The recommended way to get cheaper car insurance rates is to start comparing prices regularly from companies in Pittsburgh.
- Step 1: Get an understanding of how insurance works and the steps you can take to keep rates down. Many policy risk factors that are responsible for high rates like speeding and an unfavorable credit rating can be remedied by paying attention to minor details.
- Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like Progressive or State Farm, while independent agents can quote rates for many different companies.
- Step 3: Compare the quotes to the premium of your current policy to see if you can save by switching companies. If you find better rates, make sure coverage is continuous and does not lapse.
- Step 4: Provide adequate notice to your current company of your intent to cancel your current coverage and submit a down payment and signed policy application to the new insurer. Once received, keep the new certificate verifying coverage along with your vehicle registration.
A crucial key to this process is to use similar limits and deductibles on each quote request and and to get rate quotes from all possible companies. This ensures a fair rate comparison and the best rate selection.
The auto insurance companies shown below provide free quotes in Pennsylvania. To locate cheap auto insurance in Pennsylvania, we suggest you get price quotes from several of them in order to find the most affordable rates.
Three reasons to insure your Ridgeline
Even though it’s not necessarily cheap to insure a Honda in Pittsburgh, paying for auto insurance is required by state law in Pennsylvania and it also provides benefits you may not be aware of.
- The majority of states have minimum liability requirements which means you are required to carry specific minimum amounts of liability coverage if you don’t want to risk a ticket. In Pennsylvania 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 loan, most lenders will stipulate that you carry insurance to protect their interest in the vehicle. If the policy lapses, the lender will be forced to insure your Honda at a significantly higher premium and require you to reimburse them much more than you were paying before.
- Auto insurance protects not only your vehicle but also your assets. It will also cover medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you cause an accident and are sued. If you have damage to your Honda as the result of the weather or an accident, your policy will pay to repair the damage minus the deductible amount.
The benefits of having auto insurance outweigh the cost, especially for larger claims. But the average American driver is wasting up to $865 each year so it’s very important to do a rate comparison every year to be sure current rates are still competitive.
Insurance coverage details
The price information displayed below outlines estimates of prices for Honda Ridgeline models. Having a better idea how rate quotes are determined is important for making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $258 | $470 | $384 | $22 | $114 | $1,248 | $104 |
| Ridgeline RTS 4WD | $290 | $470 | $384 | $22 | $114 | $1,280 | $107 |
| Ridgeline RTL 4WD | $290 | $554 | $384 | $22 | $114 | $1,364 | $114 |
| Ridgeline RTL W/Navigation 4WD | $290 | $554 | $384 | $22 | $114 | $1,364 | $114 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rate information does not factor in specific location information which can lower or raise auto insurance rates significantly.
The example below demonstrates how choosing different deductibles and can raise or lower Honda Ridgeline annual premium costs for different age categories. The data is based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.
Drive safe and save
The example below demonstrates how speeding tickets and accident claims can impact Honda Ridgeline car insurance rates for different age groups. The information is based on a single male driver, comp and collision included, $500 deductibles, and no policy discounts are applied.
Auto insurance rates based on gender
The chart below visualizes the comparison of Honda Ridgeline auto insurance costs for male and female drivers. The rate quotes are based on no violations or accidents, full coverage, $500 deductibles, single status, and no discounts are taken into consideration.
Save money on Honda Ridgeline insurance in Pittsburgh with these auto insurance discounts
Auto insurance companies don’t necessarily list all possible discounts in an easy-to-find place, so the following is a list of a few of the more well known and the harder-to-find discounts that you may qualify for.
- Waiver for an Accident – This isn’t a discount exactly, but some insurance companies may permit one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
- Passive Restraints – Vehicles equipped with air bags or automatic seat belts could see savings up to 30%.
- Drive Safe and Save – Accident-free drivers may save up to 50% more compared to rates paid by drivers with frequent claims.
- Low Mileage – Keeping the miles down on your Honda could earn cheaper prices.
- Claim-Free Discount – Claim-free drivers get the best auto insurance rates in comparison with accident-prone drivers.
- Driver Safety – Taking a course that instructs on driving safety could save 5% or more and easily recoup the cost of the course.
- Student in College – Kids who attend college more than 100 miles from Pittsburgh and leave their car at home could qualify for this discount.
Discounts lower rates, but most discount credits are not given to the overall cost of the policy. Most cut individual premiums such as medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, nobody gets a free ride. But any discount will positively reduce the cost of your policy.
The chart below illustrates the comparison of Honda Ridgeline insurance costs with and without discounts applied to the policy rates. The costs are based on a female driver, no claims or violations, Pennsylvania 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, marriage, multi-car, multi-policy, safe-driver, and homeowner discounts applied.
Auto insurance companies that may offer quotes with these benefits include:
Before buying, ask all companies you are considering how you can save money. Savings might not be available to policyholders in every state. To locate insurance companies who offer free Honda Ridgeline insurance quotes in Pittsburgh, click this link.
Special considerations
When it comes to insurance from an agent or online for your vehicles, there really isn’t a perfect coverage plan. Your situation is unique so your insurance should reflect that
These are some specific questions can aid in determining if your insurance needs may require specific advice.
- Does every company file a SR-22 automatically?
- If my car is totaled with they pay enough to replace it?
- Can I afford low physical damage deductibles?
- Why am I required to buy high-risk coverage?
- Do I need roadside assistance coverage?
- Are all vehicle passengers covered by medical payments coverage?
- Can my babysitter drive my car?
- How do I insure my teen driver?
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.