It’s an obvious assumption that insurance companies want to keep you from shopping around. Consumers who shop around for the cheapest price will, in all likelihood, move their business because there are good odds of finding better rates. A study discovered that drivers who compared rates once a year saved on average $3,450 over four years as compared to drivers who never shopped around for lower prices.
If finding the best price on auto insurance is your goal, then having an understanding of the best ways to shop for car insurance can help you be more efficient.
If saving money is your primary concern, then the best way to get budget Honda Ridgeline insurance is to begin comparing prices regularly from providers who provide auto insurance in Nashville. You can shop around by completing these steps.
- It will benefit you to learn about what coverages are included in your policy and the factors you can control to lower rates. Many factors that result in higher rates such as inattentive driving and a negative credit score can be rectified by making minor changes to your lifestyle. Read the full article for additional ideas to get better rates and find additional discounts.
- Obtain price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive and State Farm, while independent agents can quote rates from multiple insurance companies. View rates
- Compare the new quotes to your current policy premium to determine if switching companies saves money. If you can save some money and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Provide notification to your current agent or company of your decision to cancel your current auto insurance policy and submit the signed application along with the required initial payment to your new carrier. As soon as you have the new policy, safely store the certificate of insurance along with your vehicle registration.
The key thing to remember is to make sure you enter the same deductibles and limits on each quote and and to get price quotes from every company you can. This ensures an apples-to-apples comparison and plenty of rates choose from.
Locating the most cost-effective auto insurance policy in Nashville can initially seem challenging. If you have auto insurance now, you will definitely be able to get lower rates using the tips covered below. Smart shoppers only need an understanding of how to find the lowest price from many different companies online.
Lower-cost Honda Ridgeline insurance quotes in Nashville
Some providers don’t always list the entire discount list in an easy-to-find place, so we break down a few of the more well known and also the more inconspicuous savings tricks you should be using when you buy Nashville auto insurance online.
- Senior Citizen Discount – Mature drivers can possibly qualify for reduced rates.
- Membership in Organizations – Participating in qualifying clubs or civic groups may earn a discount when shopping for car insurance.
- Distant College Student Discount – Older children who are enrolled in a college that is more than 100 miles from Nashville and won’t have access to an insured vehicle could qualify for this discount.
- Government Employees – Having worked for a branch of the government may reduce rates when you quote Nashville auto insurance with certain companies.
- Defensive Driver Discount – Participating in a class that teaches safe driver techniques may get you a small discount if you qualify.
- Discounts for Cautious Drivers – Insureds who avoid accidents may save up to 50% more than their less cautious counterparts.
Drivers should understand that some of the credits will not apply to the entire policy premium. Most cut the cost of specific coverages such as comprehensive or collision. Just because you may think you would end up receiving a 100% discount, it just doesn’t work that way.
The information below illustrates the difference between Honda Ridgeline insurance costs with and without policy discounts. The information is based on a female driver, a clean driving record, no at-fault accidents, Tennessee state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, safe-driver, marriage, multi-policy, and homeowner discounts applied.
To choose providers that offer some of these discounts in Tennessee, click here.
The providers in the list below offer price quotes in Nashville, TN. To locate the best cheap auto insurance in Nashville, we recommend you visit as many as you can in order to find the most competitive rates.
Honda Ridgeline detailed coverage information
The rate information below highlights estimates of prices for Honda Ridgeline models. Being more informed about how insurance policy premiums are determined can assist in making decisions on the best policy coverages.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ridgeline RT 4WD||$194||$382||$314||$18||$94||$1,002||$84|
|Ridgeline RTS 4WD||$218||$382||$314||$18||$94||$1,026||$86|
|Ridgeline RTL 4WD||$218||$450||$314||$18||$94||$1,094||$91|
|Ridgeline RTL W/Navigation 4WD||$218||$450||$314||$18||$94||$1,094||$91|
|Get Your Own Custom Quote Go|
Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Tennessee minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rates do not factor in zip code location which can impact rates considerably.
The chart below demonstrates how deductible levels and can impact Honda Ridgeline insurance rates for different insured age categories. The premiums assume a single male driver, full coverage, and no discounts are applied.
Learn How to Lower Your Insurance Costs
Multiple criteria are part of the equation when quoting car insurance. Most are fairly basic such as your driving history, although others are less apparent such as whether you are married and annual miles driven. Smart consumers have a good feel for some of the elements that come into play when calculating the level of your policy premiums. If you understand what impacts premium levels, this allows you to make educated decisions that will entitle you to lower premium levels.
The items below are just a few of the factors utilized by car insurance companies to help set your rates.
- Fewer miles means better rates – The higher the miles on your Honda in a year’s time the higher the price you pay to insure it. Almost all companies charge to insure your cars determined by how the vehicle is used. Vehicles left parked in the garage can get a lower rate than vehicles that are driven to work every day. Verify your auto insurance coverage reflects the correct driver usage, because it can save money. Having an incorrect usage rating on your Ridgeline may be costing you.
- Safer occupants lowers premiums – Cars with five star safety ratings tend to have lower insurance rates. Highly rated vehicles protect occupants better and fewer serious injuries means less money paid by your insurance company which can mean better rates for you.
Men pay more for auto insurance – The statistics show women are more cautious behind the wheel. However, don’t assume that women are better drivers. They both cause fender benders in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Not only are claims higher, but men get ticketed for serious violations such as DWI and reckless driving. Male teenagers generally have the highest accident percentage and thus pay the highest rates.
The information below shows the difference between Honda Ridgeline auto insurance costs for male and female drivers. The premiums are based on no accidents or driving violations, comp and collision included, $250 deductibles, single status, and no other discounts are factored in.
How’s your driving record? – Drivers with clean records get better prices than their less careful counterparts. Having just one driving citation can boost insurance rates by as much as twenty percent. Drivers who have severe violations like reckless driving, hit and run or driving under the influence may find that they have to to complete a SR-22 with their state in order to legally drive a vehicle.
The illustration below illustrates how violations and at-fault collisions influence Honda Ridgeline auto insurance rates for different categories of driver ages. The costs are based on a married male driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.
- Being married can lower premiums – Walking down the aisle actually saves money on auto insurance. Marriage demonstrates that you tend to be more stable financially and insurance companies reward insureds because married couples file fewer claims.
When to get professional advice
When it comes to choosing insurance from an agent or online for your vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs and your auto insurance should be unique as well. Here are some questions about coverages that could help you determine whether your personal situation would benefit from an agent’s advice.
- Is my custom stereo system covered?
- Is upholstery damage covered by car insurance?
- Am I covered if I hit someone who is not insured?
- If I drive on a suspended license am I covered?
- How many claims can I have before being canceled?
- What discounts do I qualify for?
- Is there coverage for injuries to my pets?
If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.
Insurance agencies near you
A small number of people would prefer to visit with an insurance agent and that can be a great decision Most agents are trained to spot inefficiencies and give you someone to call. A good thing about comparing rates online is that you can obtain better rates and also buy local.
To find an agent, once you fill out this quick form, your coverage information is immediately sent to local insurance agents who will give you quotes for your business. You never need to find an agent because quoted prices will be sent straight to your inbox. If you wish to get a rate quote for a specific company, just go to their quote page and fill out their quote form.
Picking an insurance company requires you to look at more than just a cheap price quote. These are some questions you should get answers to.
- Will their companies depreciate repairs to your car based on the mileage?
- Does the company use OEM repair parts?
- How often do they review coverages?
- How long has their agency been open in Nashville?
- Does the company allow you to choose your own collision repair facility?
- Does the quote include credit and driving reports?
Listed below is a list of car insurance companies in Nashville that may be able to provide price quotes for Honda Ridgeline insurance in Nashville.
- Jordan Drake – State Farm Insurance Agent
345 Harrison St – Nashville, TN 37219 – (615) 826-1200 – View Map
- Tri-City Insurance Agency
4400 Nolensville Pike – Nashville, TN 37211 – (615) 331-0770 – View Map
- Mills Insurance
4525 Harding Pike Ste 244 – Nashville, TN 37205 – (615) 620-4452 – View Map
- Ray Watts – State Farm Insurance Agent
4703 Gallatin Pike – Nashville, TN 37216 – (615) 228-1338 – View Map
Car insurance is not optional but you don’t have to overpay
Despite the potentially high cost of Honda Ridgeline insurance, maintaining insurance is a good idea for several reasons.
First, just about all states have minimum mandated liability insurance limits which means you are required to carry a specific minimum amount of liability protection in order to drive the car legally. In Tennessee these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if you bought your car with a loan, more than likely the lender will make it mandatory that you carry insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender may insure your Honda at an extremely high rate and require you to reimburse them for the expensive policy.
Third, car insurance protects both your car and your assets. It will also cover many types of medical costs for not only you but also any passengers injured in an accident. Liability coverage also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance definitely exceed the price paid, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer is overpaying more than $865 each year so it’s recommended you shop around once a year at a minimum to make sure the price is not too high.
Don’t give up on cheaper rates
You just read many ways to save on Honda Ridgeline insurance in Nashville. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. Consumers may even find the best prices are with the smaller companies. These smaller insurers may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.
When getting Nashville auto insurance quotes online, never reduce needed coverages to save money. There have been many situations where an insured dropped liability limits or collision coverage and learned later they didn’t have enough coverage. Your goal is to purchase a proper amount of coverage for the lowest price but still have enough coverage for asset protection.
More tips and info about insurance is available by following these links:
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- What Auto Insurance is Cheapest for a Subaru Forester in Nashville? (FAQ)
- Who Has Cheap Nashville Car Insurance Quotes for Nurses? (FAQ)
- How Much is Nashville Auto Insurance for a GMC Sierra? (FAQ)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- Choosing a Car for Your Teen (State Farm)
- Rental Reimbursement Coverage (Allstate)