Compare Honda Ridgeline Insurance Rates in Philadelphia

Searching for the cheapest insurance for a Honda Ridgeline in Pennsylvania can be difficult, but you can learn the following methods and make it easy. There are both good and bad ways to find auto insurance online so we’re going to tell you the quickest way to price shop coverage on a Honda and get the cheapest rates either online or from Philadelphia insurance agents.

If you are insured now or need new coverage, use these money-saving tips to find the best rates without sacrificing coverage. Getting quotes for affordable auto insurance coverage in Philadelphia is not as hard as you may think. Smart buyers only need an understanding of the proper methods to shop instantly.

Cheapest auto insurance in Philadelphia, PA

The following companies are our best choices to provide price quotes in Philadelphia, PA. If multiple companies are shown, we recommend you get prices from several of them in order to get a fair rate comparison.

Insurance rate breakdown

The information displayed next highlights different insurance coverage prices for Honda Ridgeline models. Being aware of how insurance policy rates are figured helps drivers make informed decisions.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Premium amounts do not factor in Philadelphia location which can alter premium rates considerably.

Physical damage deductibles

When buying car insurance, a common question is how high should your deductibles be. The comparison tables below lay out the differences in price between low and high insurance deductibles. The first data set uses a $100 deductible for comp and collision and the second data table uses a $500 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in specific Philadelphia garaging location which can decrease or increase coverage rates significantly.

Based on this data, using a $100 deductible will cost in the ballpark of $24 more each month or $288 a year across all Honda Ridgeline models than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally go at least 17 months between claims, you would more than likely save some money by going with a higher deductible.

Responsible drivers pay cheaper car insurance rates

The diagram below shows how traffic citations and at-fault collisions increase Honda Ridgeline insurance premiums for each age group. The price estimates are based on a married female driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

Auto insurance policy discounts for Honda Ridgeline insurance in Philadelphia

Some insurance providers don’t necessarily list all available discounts in an easy-to-find place, so the list below gives a summary of a few of the more common in addition to some of the lesser obvious ways to save on auto insurance.

• Philadelphia Homeowners Pay Less – Owning a house in Philadelphia can save you money because of the fact that having a home is proof that your finances are in order.
• Pay Upfront and Save – By making one initial payment as opposed to paying monthly you could save 5% or more.
• Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles help deter theft and will save you 10% or more on Ridgeline insurance in Philadelphia.
• Early Switch Discount – Select companies give a discount for signing up early. You can save around 10% with this discount.
• Discount for Multiple Policies – When you combine your auto and home insurance with the same insurance company you will save approximately 10% to 15%.
• Distant College Student Discount – Children who are enrolled in higher education away from home and leave their car at home could qualify for this discount.
• Paperwork-free – Some insurance companies will give a small break for buying your policy online.
• Discounts for Seat Belt Usage – Forcing all vehicle occupants to use a seat belt can save a little on medical payment and PIP coverage.
• Memberships – Having an affiliation with a professional or civic organization is a simple method to lower premiums when shopping for auto insurance.
• Air Bag Discount – Factory options such as air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.

Just know that most credits do not apply to the whole policy. Most only reduce specific coverage prices like collision or personal injury protection. So when it seems like adding up those discounts means a free policy, that’s just not realistic.

The diagram below compares Honda Ridgeline annual premium costs with and without discounts applied to the policy rates. The data is based on a female driver, no violations or claims, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, safe-driver, homeowner, multi-car, and multi-policy discounts applied.

If you would like to choose from a list of providers that offer the discounts shown above in Pennsylvania, click here to view.

Local insurance agents

Many drivers still prefer to talk to an insurance agent and that is not a bad decision Good insurance agents can help determine the best coverages and give you someone to call. The biggest benefit of comparing insurance prices online is you can get the lowest rates but still work with a licensed agent.

For easy comparison, once you complete this form (opens in new window), your insurance data is transmitted to companies in Philadelphia who will gladly provide quotes to get your business. There is no reason to search for an agent due to the fact that quote results will go to your email. If for some reason you want to get a comparison quote from a particular provider, don’t hesitate to navigate to their website and fill out the quote form the provide.

Choosing the best insurance company shouldn’t rely on just the premium amount. Ask your prospective agent these questions:

• Is vehicle mileage a factor when determining depreciation for repairs?
• Is the agency active in community causes in Philadelphia?
• How much can you save by raising your physical damage deductibles?
• Does the company have a local claim office in Philadelphia?
• If they are an independent agency in Philadelphia, which companies do they recommend?
• How many companies do they write for?
• When do they do a full risk review?

If you prefer to buy auto insurance from a local Philadelphia insurance agency, it’s helpful to know the different agency structures and how they function. Philadelphia agents can be classified as either exclusive or independent (non-exclusive). Either one can properly insure your vehicles, but it is important to understand the difference in how they write coverage because it can influence which agent you choose.

Exclusive Auto Insurance Agents

Agents in the exclusive channel normally can only provide a single company’s rates and some examples include AAA, Allstate, State Farm, or Farmers Insurance. These agents are unable to shop your coverage around so they are skilled at selling on more than just price. Exclusive agencies are well trained on their products and sales techniques which can be an advantage. A lot of people choose to use a exclusive agent mainly due to the brand rather than having the cheapest rates.

Listed below are exclusive insurance agencies in Philadelphia willing to provide price quote information.

• Wanda Dancy – State Farm Insurance Agent
  2805 N 47th St, FL-1 – Philadelphia, PA 19131 – (215) 871-3390 – View Map
• State Farm – Adam Hutcheon
  1436 Fairmount Ave – Philadelphia, PA 19130 – (215) 765-2686 – View Map
• Jack Stabler – State Farm Insurance Agent
  6726 Torresdale Ave – Philadelphia, PA 19135 – (215) 331-4300 – View Map

More insurance agents

Independent Agencies or Brokers

Independent agencies are not limited to a single company and that gives them the ability to insure through many companies and help determine which has the cheapest rates. If they find a cheaper price, an independent agent can move your coverage and the insured can keep the same agent.

When comparing rates, you definitely need to get insurance quotes from at least one independent agent to ensure the widest selection of prices. A lot of them also have access to smaller companies that can offer cheaper rates than bigger companies.

Listed below is a short list of independent agencies in Philadelphia that can give you rate quotes.

• McCollum Insurance Agency
  4169 Main St – Philadelphia, PA 19127 – (215) 508-9000 – View Map
• Savage Insurance Agency LLC
  300 W Cheltenham Ave – Philadelphia, PA 19126 – (215) 224-4890 – View Map
• K and A Insurance Agency
  5520 Wayne Ave – Philadelphia, PA 19144 – (215) 991-4900 – View Map

More insurance agents

If you feel you receive positive responses to all your questions as well as cheaper Ridgeline insurance quotes, you have narrowed it down to an insurance agency that is professional and can insure your vehicles. Keep in mind you are entitled to cancel a policy for any reason so never feel that you are permanently stuck with a specific agent for the entire policy term.

Car insurance coverage information

Having a good grasp of your policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a ditch, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also bump up the deductible on your Ridgeline to save money on collision insurance.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for short-term medical expenses such as dental work, hospital visits and ambulance fees. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Honda Ridgeline.

Since many Pennsylvania drivers only carry the minimum required liability limits (15/30/5 in Pennsylvania), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Auto liability insurance – Liability coverage provides protection from damage that occurs to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 15/30/5 that translate to a $15,000 limit per person for injuries, a total of $30,000 of bodily injury coverage per accident, and a limit of $5,000 paid for damaged property.

Liability can pay for things like legal defense fees, loss of income, repair costs for stationary objects, repair bills for other people’s vehicles and structural damage. How much coverage you buy is a personal decision, but you should buy higher limits if possible. Pennsylvania requires drivers to carry at least 15/30/5 but you should consider buying higher limits.

The chart below shows why buying the state minimum limits may not be enough.

Comprehensive coverage – This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a bird, hitting a deer, damage from getting keyed, hail damage and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

You can lower your car insurance rates

You just learned a lot of information how to shop for Honda Ridgeline insurance online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the most savings is with some of the lesser-known companies.

Affordable Honda Ridgeline insurance in Philadelphia can be bought on the web as well as from independent agents in Philadelphia, and you should be comparing both in order to have the best chance of saving money. Some insurance companies may not provide the ability to get a quote online and these small, regional companies prefer to sell through independent insurance agencies.

Consumers who switch companies do it for a number of reasons such as delays in paying claims, not issuing a premium refund, policy non-renewal or even lack of trust in their agent. Whatever your reason, finding the right car insurance provider is easier than you think.

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