Insurance quote for Honda Ridgeline in HonoluluWould you prefer to buy low-cost Honda Ridgeline insurance in Honolulu? Having to pay for expensive car insurance in Honolulu can overdraw your savings account and force you to make sacrifices. Comparing price quotes can save money and help to make ends meet.

It's astonishing, but most consumers renewed their policy with the same company for at least the last four years, and almost half have never compared rates from other carriers. With the average premium in Hawaii being $962, drivers can cut their rates by approximately 40% a year by just comparing quotes, but most tend to underestimate the big savings they would realize if they swap their current policy for a cheaper one. Due to the fact that there are so many companies and agents to choose from, it's difficult to pick the cheapest insurer.

It's a great practice to do price comparisons on a regular basis due to the fact that insurance prices tend to go up over time. Even if you got the lowest price on Honda Ridgeline insurance in Honolulu last year you may be paying too much now. You'll find a ton of advice on Ridgeline insurance on the web, but in just a couple of minutes you can learn some guaranteed methods to lower your car insurance premiums.

Cheapest companies for Honda Ridgeline insurance in Hawaii

The companies in the list below offer price quotes in Hawaii. If the list has multiple companies, we recommend you get rate quotes from several of them to get the best price comparison.

Honda Ridgeline Insurance Estimates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ridgeline RT 4WD $228 $412 $300 $18 $90 $1,048 $87
Ridgeline RTS 4WD $256 $424 $404 $24 $120 $1,228 $102
Ridgeline RTL 4WD $250 $476 $306 $18 $92 $1,142 $95
Ridgeline RTL W/Navigation 4WD $286 $596 $404 $24 $120 $1,430 $119
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Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Rate quotes do not factor in zip code location which can decrease or increase coverage rates substantially.

Violations and accidents raise rates

The illustration below shows how violations and accidents raise Honda Ridgeline annual premium costs for different age groups. The premiums are based on a married female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.

Policy deductibles

When comparing car insurance rates, the most common question is what deductibles to buy. The following tables can help you understand the differences in premium rates of buying low and high policy deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Honda Ridgeline insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ridgeline RT 4WD $204 $344 $300 $18 $90 $981 $82
Ridgeline RTS 4WD $230 $344 $300 $18 $90 $1,007 $84
Ridgeline RTL 4WD $230 $406 $300 $18 $90 $1,069 $89
Ridgeline RTL W/Navigation 4WD $230 $406 $300 $18 $90 $1,069 $89
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Honda Ridgeline insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ridgeline RT 4WD $166 $278 $300 $18 $90 $852 $71
Ridgeline RTS 4WD $188 $278 $300 $18 $90 $874 $73
Ridgeline RTL 4WD $188 $328 $300 $18 $90 $924 $77
Ridgeline RTL W/Navigation 4WD $188 $328 $300 $18 $90 $924 $77
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Premium costs do not factor in vehicle location which can affect price quotes significantly.

Using the data above, we can ascertain that using a $250 deductible costs approximately $11 more each month or $132 every year than selecting the higher $500 deductible. Since you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 23 months between claims, you would probably save some money if you elect the higher deductible.

Comparison of car insurance rates by age and gender in Honolulu

The information below shows the comparison of Honda Ridgeline auto insurance costs for male and female drivers. The premiums are based on no accidents or driving violations, full coverage, $1,000 deductibles, drivers are not married, and no discounts are applied.

Lower rate quotes with these five discounts

Some providers don't always publicize every available discount very well, so here is a list a few of the more common as well as some of the hidden ways to save on insurance.Insurance discounts

Keep in mind that some credits don't apply to the whole policy. Most only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, that's just not realistic.

Larger insurance companies and some of the premium reductions they offer can be read below.

When getting a coverage quote, ask all companies you are considering which discounts you qualify for. Some of the earlier mentioned discounts may not be offered in your state. To locate providers with the best discounts in Hawaii, click here to view.

Are car insurance agents a thing of the past?

Some consumers still prefer to sit down with an agent and that is a smart decision Most agents are highly skilled in risk management and help you file claims. The best thing about getting free rate quotes online is the fact that you can find cheap car insurance rates but still work with a licensed agent. Supporting local agents is still important in Honolulu.

Find insurance agent in HonoluluOnce you complete this quick form, your insurance coverage information is immediately sent to companies in Honolulu who will give you bids for your business. It simplifies rate comparisons since you won't have to even leave your home since rate quotes are delivered to you. If for some reason you want to get a comparison quote from one company in particular, just go to their quote page to submit a rate quote request.

What type of Honolulu car insurance agent is right for you?

If you prefer to buy car insurance from a reputable agency, it's helpful to know the different agency structures and how they are slightly different. Car insurance agents in Honolulu can be classified as either independent agents or exclusive agents depending on their employer. Either one can write policy coverage, but it's worth mentioning why they differ because it can impact the kind of agent you use.

Independent Agents

Agents in the independent channel are not limited to a single company and that allows them to write policies with many different companies and potentially find a lower price. If they quote lower rates, your agent can just switch to a different company and you won't have to switch agencies. When comparing car insurance rates, you definitely need to get several quotes from at a minimum one independent agency to ensure the widest selection of prices.

Listed below is a partial list of independent insurance agents in Honolulu who may be able to give you free car insurance quotes.

1100 Ward Ave # Main, Honolulu, HI 96814, Honolulu, 96818 - Honolulu, HI 96818 - (808) 527-7777 - View Map

1440 Kapiolani Blvd # 950 - Honolulu, HI 96814 - (808) 942-5353 - View Map

500 Ala Moana Blvd # 2303 - Honolulu, HI 96813 - (808) 534-7300 - View Map

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Exclusive Insurance Agencies

Agents that choose to be exclusive can only place business with one company and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agencies are unable to provide prices from multiple companies so if the price isn't competitive there isn't much they can do. Exclusive agents receive extensive training on their products and sales techniques which helps them sell on service rather than price.

The following is a list of exclusive insurance agents in Honolulu who can help you get comparison quotes.

1313 S Beretania St #100 - Honolulu, HI 96814 - (808) 593-8221 - View Map

Scott Saito - State Farm Insurance Agent
1150 S King St #901d - Honolulu, HI 96814 - (808) 946-8464 - View Map

6700 Kalanianaole Hwy #204 - Honolulu, HI 96825 - (808) 395-5433 - View Map

View more Honolulu agents

Deciding on an insurance agency is decision based upon more than just the bottom line cost. The following questions are important to ask.

Don't believe everything you hear

Hawaii drivers can't escape the ads that claim the cheapest premium rates by 21st Century, Allstate and State Farm. They all seem to seem to make the promise that you'll save big if you move your coverage.

How does each company lower your premium rates?

Different companies have specific criteria for the type of customer that will generate a profit. For instance, a driver they prefer might have to be over the age of 35, has a clear driving record, and has excellent credit. Any driver who matches those parameters may get the lowest rates in Honolulu as well as save a lot on Honolulu Honda Ridgeline insurance if they switch.

Potential insureds who don't measure up to the "perfect" profile will see higher rates which translates to the customer buying from a different company. If you listen closely, the ads state "drivers who switch" not "everyone who quotes" save that much when switching. That is how insurance companies can confidently state the savings.

Because every company is different, drivers should do a rate comparison at every renewal. It's just too difficult to predict with any certainty which company will have the best Honda Ridgeline insurance in Honolulu.

Specific coverage details

Having a good grasp of your auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. These are typical coverages found on the average auto insurance policy.

Comprehensive auto coverage - This covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, theft and hail damage. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for nursing services, rehabilitation expenses, X-ray expenses, prosthetic devices and dental work. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage - This protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Honda Ridgeline.

Since a lot of drivers have only the minimum liability required by law (20/40/10), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these limits are identical to your policy's liability coverage.

Coverage for liability - This coverage provides protection from damage that occurs to other people or property by causing an accident. This insurance protects YOU against other people's claims. Liability doesn't cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 20/40/10 that translate to a $20,000 limit per person for injuries, a per accident bodily injury limit of $40,000, and property damage coverage for $10,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like loss of income, repair bills for other people's vehicles and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible. Hawaii requires drivers to carry at least 20/40/10 but drivers should carry more liability than the minimum.

Collision coverages - Collision coverage pays for damage to your Ridgeline from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as rolling your car, damaging your car on a curb, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible on your Ridgeline to save money on collision insurance.

In the end, you can save money

We just presented many ways to lower your Honda Ridgeline insurance car insurance rates in Honolulu. The most important thing to understand is the more times you quote, the higher the chance of saving money. Drivers may even discover the most savings is with the smaller companies. Some small companies often have lower premium rates on specific markets than their larger competitors like Allstate or State Farm.

As you quote Honolulu car insurance, do not skimp on coverage in order to save money. In many instances, an accident victim reduced physical damage coverage and learned later that the savings was not a smart move. Your strategy should be to purchase plenty of coverage at the best price while still protecting your assets.

Some insurance companies may not provide rate quotes online and many times these regional insurance providers only sell coverage through local independent agents. Affordable Honda Ridgeline insurance in Honolulu can be purchased on the web as well as from independent agents in Honolulu, and you should compare price quotes from both in order to have the best price selection to choose from.

Additional auto insurance information can be read at these links: