Trying to find low-cost insurance for a Honda Ridgeline in Virginia can turn out to be difficult, but you can learn the following methods to save time. There are both good and bad ways to find car insurance online and you need to know the absolute fastest way to compare rates on a Honda and obtain the lowest price either online or from Virginia Beach insurance agents.
If you have a current car insurance policy or need a new policy, you can use this information to find better prices without reducing protection. Buying the cheapest policy in Virginia Beach is not as time-consuming as you think. Smart buyers only need to know the quickest method to get comparison rates on the web.
The fastest way that we advise to get rate comparisons for Honda Ridgeline insurance in Virginia Beach utilizes the fact most of the bigger providers participate in a system to provide you with free rate quotes. To begin a comparison, all you need to do is provide details like distance driven, whether your vehicle is owned or leased, the year, make and model of vehicles, and if it has an anti-theft system. Those rating factors gets transmitted to many of the top insurers and they return quotes instantly.
To check Honda Ridgeline insurance prices now, click here and find out if lower rates are available in Virginia Beach.
The car insurance companies shown below are our best choices to provide price quotes in Virginia. If you wish to find the best car insurance in Virginia, it’s highly recommended you visit two to three different companies to find the cheapest car insurance rates.
Insurance does more than just repair your car
Even though Virginia Beach Ridgeline insurance rates can get expensive, buying insurance is a good idea for several reasons.
First, most states have mandatory liability insurance requirements which means you are required to carry a minimum amount of liability protection in order to get the vehicle licensed. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
Second, if you have a loan on your Ridgeline, most banks will stipulate that you have full coverage to ensure loan repayment if the vehicle is totaled. If the policy lapses, the bank will be required to insure your Honda at a significantly higher premium and require you to reimburse them the higher price.
Third, insurance preserves both your assets and your Honda. 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, will also pay to defend you if you cause an accident and are sued. If you have damage to your Honda as the result of the weather or an accident, collision and comprehensive coverages will pay to repair the damage.
The benefits of insuring your car more than cancel out the cost, especially for larger claims. The average driver in America overpays more than $869 every year so it’s very important to do a rate comparison at every policy renewal to help ensure money is not being wasted.
Coverage information
The information displayed next outlines estimates of insurance rates for Honda Ridgeline models. Learning more about how insurance policy rates are established is important for making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $158 | $310 | $352 | $20 | $106 | $946 | $79 |
| Ridgeline RTS 4WD | $178 | $310 | $352 | $20 | $106 | $966 | $81 |
| Ridgeline RTL 4WD | $178 | $366 | $352 | $20 | $106 | $1,022 | $85 |
| Ridgeline RTL W/Navigation 4WD | $178 | $366 | $352 | $20 | $106 | $1,022 | $85 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Table data does not factor in Virginia Beach location which can decrease or increase coverage prices greatly.
Deductible comparison
When shopping for car insurance, a common question is which deductible level should you buy. The premium rates below highlight the price difference when you select higher and lower insurance deductibles. The first set of prices uses a $100 deductible for comp and collision and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $222 | $400 | $290 | $18 | $88 | $1,043 | $87 |
| Ridgeline RTS 4WD | $250 | $400 | $290 | $18 | $88 | $1,071 | $89 |
| Ridgeline RTL 4WD | $250 | $472 | $290 | $18 | $88 | $1,143 | $95 |
| Ridgeline RTL W/Navigation 4WD | $250 | $472 | $290 | $18 | $88 | $1,143 | $95 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $162 | $270 | $290 | $18 | $88 | $828 | $69 |
| Ridgeline RTS 4WD | $182 | $270 | $290 | $18 | $88 | $848 | $71 |
| Ridgeline RTL 4WD | $182 | $318 | $290 | $18 | $88 | $896 | $75 |
| Ridgeline RTL W/Navigation 4WD | $182 | $318 | $290 | $18 | $88 | $896 | $75 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Premium costs do not factor in specific Virginia Beach garaging location which can raise or lower auto insurance rates greatly.
Based on the figures above, using a $100 deductible costs approximately $19 more each month or $228 for a full year across all Honda Ridgeline models than selecting the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you usually have at least 21 months between claim filings, you would probably be better off if you elect the higher deductible.
Cost comparison with and without full coverage
The chart below shows the comparison of Honda Ridgeline insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in Virginia. The data is based on no claims, a clean driving record, $1,000 deductibles, single status, and no other discounts are factored in.
Should you be buying full coverage?
There is no specific rule of when to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s pretend your Honda Ridgeline claim settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $4,000 after paying your deductible. If it’s costing in excess of $400 annually for physical damage coverage, then you might consider buying liability only.
There are some situations where dropping full coverage is not in your best interest. If you still have a lienholder on your title, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.
Affordable rates by receiving discounts
Car insurance can cost a lot, but there are discounts available that can help lower your rates. Some discounts apply automatically when you purchase, but occasionally some discounts must be asked about in order for you to get them.
- Policy Bundle Discount – If you combine your home and auto policies with one insurance company you may save at least 10 to 15 percent or more.
- Seat Belt Discounts – Forcing all vehicle occupants to fasten their seat belts could save 15% off the medical payments premium.
- Pay Now and Pay Less – By paying your entire bill at once as opposed to paying monthly you can avoid the installment charge.
- Air Bags and Passive Restraints – Vehicles with factory air bags may get savings as much as 30%.
- No Claim Discounts – Drivers who don’t have accidents can earn big discounts compared to drivers with a long claim history.
- Early Switch Discount – Select insurance companies give a discount for switching to them before your current coverage expires. You can save around 10% with this discount.
- One Accident Forgiven – Not necessarily a discount, but some companies like Liberty Mutual, Allstate and State Farm allow you one accident without raising rates so long as you haven’t had any claims prior to the accident.
- Discount for Low Mileage – Driving less can earn lower insurance rates due to less chance of an accident.
- Anti-theft System – Cars optioned with advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
- Professional Memberships – Having an affiliation with a civic or occupational organization in Virginia Beach can get you a small discount when getting a Virginia Beach car insurance quote.
Just know that most of the big mark downs will not be given to your bottom line cost. Most only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, insurance companies wouldn’t stay in business.
The chart below shows the difference between Honda Ridgeline insurance prices with and without some available policy discounts. The prices are based on a male driver, no violations or claims, Virginia state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-policy, marriage, safe-driver, and multi-car discounts applied.
Companies and a summarized list of policyholder discounts can be found below.
- State Farm discounts include defensive driving training, anti-theft, student away at school, Drive Safe & Save, good driver, and driver’s education.
- Nationwide has savings for business or organization, good student, family plan, anti-theft, accident-free, defensive driving, and Farm Bureau membership.
- GEICO includes discounts for multi-vehicle, defensive driver, air bags, membership and employees, federal employee, seat belt use, and anti-theft.
- AAA offers discounts including AAA membership discount, multi-car, good driver, multi-policy, education and occupation, anti-theft, and pay-in-full.
- 21st Century may include discounts for student driver, driver training, anti-lock brakes, early bird, 55 and older, and defensive driver.
- The Hartford offers discounts for defensive driver, bundle, driver training, anti-theft, and good student.
When getting a coverage quote, ask every prospective company to apply every possible discount. Some discounts may not apply in your area.
Do I need a local insurance agent?
Some consumers still prefer to talk to a local agent and that can be a smart move Good insurance agents will help you protect your assets and help file insurance claims. One of the benefits of getting online price quotes is that you can obtain lower rates and also buy local.
Upon completion of this form (opens in new window), your insurance data is emailed to participating agents in Virginia Beach who will give you bids for your insurance coverage. There is no reason to drive around since price quotes are sent to the email address you provide. If you need to get a price quote from one company in particular, you would need to jump over to their website to submit a rate quote request.
Selecting a company requires more thought than just a low price. Ask your prospective agent these questions:
- How often do they review policy coverages?
- Do they assist clients in filing claims?
- What insurance companies do they work with in Virginia Beach?
- Can you use your own choice of collision repair facility?
- Does the agency have a current Errors and Omissions policy?
- Are they primarily personal or commercial lines agents in Virginia Beach?
The type of auto insurance agent you choose is important
If you are searching for a local insurance agency, it’s helpful to know the types of insurance agents and how they can service your needs differently. Virginia Beach agents are considered either independent (non-exclusive) or exclusive. Either can sell and service car insurance coverage, but it is important to understand how they are different because it can factor into your selection of an agent.
Exclusive Car Insurance Agencies
Agents that elect to be exclusive can only provide pricing for a single company and some examples include State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot compare rates from other companies so always compare other rates. They are well schooled on their products and sales techniques which can be an advantage. Consumers frequently use the same exclusive agent primarily because of the brand instead of buying on price only.
Listed below is a short list of exclusive agencies in Virginia Beach that can give you price quote information.
- Brett Pendergast – State Farm Insurance Agent
4388 Holland Road Ste. 110 – Virginia Beach, VA 23452 – (757) 499-6813 – View Map - Bill Cooper Jr – State Farm Insurance Agent
421 S Witchduck Rd – Virginia Beach, VA 23462 – (757) 490-2744 – View Map - Milt Rawles – State Farm Insurance Agent
5265 Providence Rd #200 – Virginia Beach, VA 23464 – (757) 424-4656 – View Map
Independent Car Insurance Agencies
These agents are not limited to a single company and that allows them to write policies with an assortment of companies and potentially find a lower price. If they find a lower price, they simply move your policy to a different company and you don’t have to switch agencies.
When comparing car insurance prices, you definitely need to include price quotes from several independent agencies so that you can do a thorough price comparison. They often place coverage with small regional insurance companies which can save you money.
Shown below are independent agents in Virginia Beach willing to provide price quotes.
- Nationwide Insurance: Matthew Clifton Roenker Agency
4870 Haygood Rd Ste 108 – Virginia Beach, VA 23455 – (757) 671-1111 – View Map - Nationwide Insurance: Bob McCrearyh CLU Insurance Agency, Inc.
533 Newtown Rd #112 – Virginia Beach, VA 23462 – (757) 497-1899 – View Map - The Coelho insurance agency
800 Seahawk Cir #142 – Virginia Beach, VA 23452 – (757) 437-9647 – View Map
Be persistent and save
Insureds leave their current company for many reasons like poor customer service, extreme rates for teen drivers, policy non-renewal or questionable increases in premium. It doesn’t matter why you want to switch choosing a new insurance company is easier than you think.
You just learned many ways to save on Honda Ridgeline insurance in Virginia Beach. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting affordable Virginia Beach car insurance quotes. You may even find the lowest prices are with a smaller regional carrier.
Cost effective Honda Ridgeline insurance can be purchased from both online companies in addition to local insurance agencies, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies don’t offer the ability to get quotes online and many times these smaller providers sell through independent agents.
Steps to buying lower priced Honda Ridgeline insurance in Virginia Beach
The best way we recommend to get low-cost auto insurance rates is to regularly compare quotes from insurance carriers who can sell car insurance in Virginia Beach.
- Spend a few minutes and learn about what is in your policy and the things you can control to keep rates down. Many risk factors that drive up the price such as accidents, traffic violations, and a not-so-good credit rating can be controlled by making small lifestyle or driving habit changes.
- Obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like Progressive and State Farm, while agents who are independent can provide rate quotes for a wide range of insurance providers.
- Compare the new rates to your existing rates and determine if cheaper Ridgeline coverage is available in Virginia Beach. If you find a lower rate and make a switch, verify that coverage does not lapse between policies.
- Provide notification to your current agent or company of your intention to cancel your current coverage. Submit the signed application along with the required initial payment for the new coverage. As soon as coverage is bound, put the certificate verifying proof of insurance in your glove compartment.
The key aspect of shopping around is to try to use the same physical damage deductibles and liability limits on each quote request and and to analyze as many auto insurance providers as possible. This helps ensure a fair price comparison and the best price quote selection.
Other information
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Who Has Cheap Virginia Beach Car Insurance Rates for Low Credit Scores? (FAQ)
- Who Has Affordable Car Insurance Quotes for Young Drivers in Virginia Beach? (FAQ)
- Who Has Cheap Car Insurance for a Nissan Sentra in Virginia Beach? (FAQ)
- How Much is Car Insurance for a Ford Fusion in Virginia Beach? (FAQ)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Auto Insurance FAQ (Farmers Insurance)