Do you get overwhelmed by the crazy number of car insurance providers available to you? Many other people are too. Drivers have so many providers to choose from that it can easily become a difficult challenge to find the perfect company for you. If you’ve ever been there, you know that Durham is a great city to raise a family in, but the high cost of car insurance can make it hard for many residents to maintain proper levels of coverage.
A recent study showed that about 70% of customers have been with the same company for more than four years, and almost half have never compared rate quotes at all. Drivers in Durham could cut their rates by nearly 10% a year, but they don’t know how much they could save if they moved their coverage to a different company.
Comparing quotes for the cheapest coverage in Durham is not as hard as you think. Just about everyone who needs cheaper car insurance will find a lower-cost company. Nevertheless, North Carolina vehicle owners should learn the methods companies use to calculate their prices because it varies considerably.
Most companies such as Progressive, GEICO, Allstate and State Farm provide pricing online. Getting quotes for Honda Ridgeline insurance in Durham doesn’t take a lot of time because it’s just a matter of typing in the coverage amounts you desire into a form. After you complete the form, their rating system obtains your credit score and driving record and generates a price.
The ability to get online rate quotes for Honda Ridgeline insurance in Durham simplifies rate comparisons, and it’s necessary to compare as many rates as possible in order to get a better rate.
To quickly get comparison pricing now, compare rate quotes from the providers shown below. To compare your current rates, we recommend you replicate the insurance coverages as shown on your current policy. This guarantees you will receive rate quotes based on identical coverages.
The companies shown below have been selected to offer price comparisons in North Carolina. If you wish to find cheap car insurance in Durham, it’s a good idea that you compare several of them in order to find the most competitive rates.
Honda Ridgeline insurance discounts in Durham
The cost of insuring your cars can be expensive, but you might find some hidden discounts to reduce the price significantly. Some discounts apply automatically when you complete an application, but a few must be requested specifically before you get the savings.
- Homeowners Savings – Just being a homeowner can help you save on auto insurance because of the fact that having a home requires a higher level of personal finance.
- Seat Belts Save – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
- Multi-car Discount – Insuring several vehicles on a single policy can get a discount for every vehicle.
- Low Mileage Discounts – Maintaining low annual mileage can qualify you for lower prices due to less chance of an accident.
- Multiple Policy Discount – If you can combine your home and auto policy and place coverage with the same company they may give you a discount of up to 20% and get you the cheapest Honda Ridgeline insurance in Durham.
- Federal Employees – Active or former government employment could cut as much as 10% off depending on your auto insurance provider.
- Anti-lock Brakes – Vehicles with ABS braking systems or traction control can avoid accidents and earn discounts up to 10%.
We need to note that some credits don’t apply to your bottom line cost. Most cut the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way.
The chart below compares Honda Ridgeline car insurance rates with and without discounts applied to the premium. The premium estimates are based on a male driver, no accidents or driving violations, North Carolina state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, claim-free, homeowner, and multi-policy discounts applied.
If you would like to view insurance companies that offer the discounts shown above in North Carolina, click here to view.
Honda Ridgeline insurance rates and statistics
The information shown next covers detailed analysis of rate quotes for Honda Ridgeline models. Being more informed about how insurance premiums are established can assist in making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $166 | $334 | $318 | $18 | $96 | $932 | $78 |
| Ridgeline RTS 4WD | $186 | $334 | $318 | $18 | $96 | $952 | $79 |
| Ridgeline RTL 4WD | $186 | $394 | $318 | $18 | $96 | $1,012 | $84 |
| Ridgeline RTL W/Navigation 4WD | $186 | $394 | $318 | $18 | $96 | $1,012 | $84 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in specific location which can revise coverage rates greatly.
Physical damage deductible comparison
When comparing auto insurance rates, the most common question is which deductible level should you buy. The rates shown below summarize how much more rates are between high and low deductibles. The first rate comparisons uses a $100 deductible for comprehensive and collision coverage and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $214 | $386 | $282 | $16 | $84 | $1,007 | $84 |
| Ridgeline RTS 4WD | $242 | $386 | $282 | $16 | $84 | $1,035 | $86 |
| Ridgeline RTL 4WD | $242 | $456 | $282 | $16 | $84 | $1,105 | $92 |
| Ridgeline RTL W/Navigation 4WD | $242 | $456 | $282 | $16 | $84 | $1,105 | $92 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $118 | $204 | $282 | $16 | $84 | $704 | $59 |
| Ridgeline RTS 4WD | $134 | $204 | $282 | $16 | $84 | $720 | $60 |
| Ridgeline RTL 4WD | $134 | $240 | $282 | $16 | $84 | $756 | $63 |
| Ridgeline RTL W/Navigation 4WD | $134 | $240 | $282 | $16 | $84 | $756 | $63 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate information does not factor in zip code location which can decrease or increase insurance rates greatly.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost in the ballpark of $28 more each month or $336 for a full year than quoting the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 32 months between claim filings, you would most likely save money if you choose a higher deductible.
How accidents and tickets impact rates
The example below highlights how speeding tickets and at-fault fender-benders raise Honda Ridgeline insurance premiums for different categories of driver ages. The costs are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are factored in.
Honda Ridgeline Insurance Prices Can Be Reduced
The best way to find cheaper insurance is to take a look at some of the factors that come into play when calculating the level of your policy premiums. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that will entitle you to lower premium levels.
Vehicle options that lower premiums – Choosing to buy a car with advanced anti-theft systems can save you a little every year. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping vehicle theft.
Battle of the sexes – Statistics have proven that women are safer drivers than men. This data doesn’t prove that women are better drivers. Females and males get in auto accidents in similar percentages, but guys tend to have higher claims. They also receive more major tickets like DUI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure so it costs more to insure them.
The diagram below illustrates the comparison of Honda Ridgeline insurance rates for male and female drivers. The rates are based on no tickets, no at-fault accidents, comp and collision included, $250 deductibles, marital status is single, and no policy discounts are applied.
Multiple policies with one company can save – Most larger insurance companies will award discounts to insureds who have multiple policies with them such as combining an auto and homeowners policy. If you currently are using one company, it’s always a smart idea to check prices from other companies to make sure you are getting the best deal.
Driver age impacts rates – Beginning drivers in North Carolina are statistically shown to be easily distracted behind the wheel so insurance rates are higher. Older people are viewed as being more responsible, tend to cause fewer accidents, and are safer drivers.
The chart below uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.
Drive less and get lower prices – The more miles you rack up on your Honda annually the higher your rate. Almost all companies charge to insure your cars determined by how the vehicle is used. Cars and trucks left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. An incorrectly rated Ridgeline is just wasting money. Double check that your insurance coverage states the correct usage for each vehicle, because improper ratings can cost you money.
High credit rating translates to low costs – A driver’s credit history is likely to be a major factor in your rate calculation. Insureds with excellent credit scores tend to file fewer claims and have better driving records than drivers with lower credit scores. If your credit history is lower than you’d like, you could be paying less to insure your Honda Ridgeline by improving your rating.
Type of car, truck or SUV determines base prices – The make and model of the car you are trying to find cheaper insurance for makes a significant difference in how high your rates are. Lower cost passenger cars generally receive the lowest base rates, but your final cost has many other factors.
The data below uses these assumptions: single male driver age 30, full coverage with $500 deductibles, and no discounts or violations. The chart compares Honda Ridgeline policy rates compared to other vehicles that have a range of performance rating factors.
Demanding occupation may mean higher prices – Careers such as doctors, social workers, and emergency personnel usually pay higher premium rates attributed to intense work situations and lengthy work days. Conversely, careers like professors, students and performers receive lower rates.
Compare rates but work with a local Durham insurance agency
Many drivers would rather get advice from a local agent and often times that is recommended The biggest benefit of getting free rate quotes online is you can get lower prices and also buy local. And buying from local insurance agents is definitely important in Durham.
By using this simple form, the coverage information is emailed to participating agents in Durham that can give you free Durham car insurance quotes for your insurance coverage. There is no reason to even leave your home since rate quotes are delivered straight to your inbox. It’s the lowest rates and an insurance agent to talk to. If for some reason you want to get a comparison quote from a specific company, you can always go to their quote page and give them your coverage information.
If you are searching for a reputable insurance agent or broker, you should know the types of agencies and how they can write your policy. Insurance agencies are considered either independent (non-exclusive) or exclusive.
Independent Insurance Agents
Independent insurance agents often have affiliation with several companies and that gives them the ability to insure through lots of different companies enabling the ability to shop coverage around. If they find a lower price, they simply move your policy to a different company and you stay with the same agent. When shopping rates, you should always get several quotes from at least one independent agent so that you have a good selection of quotes to compare. Many write coverage with additional companies that you may not be familiar with that may provide cheaper insurance rates.
Shown below is a list of independent insurance agents in Durham who may be able to give you free price quotes.
- Insurance People-N Carolina
1920 Front St # 750 – Durham, NC 27705 – (919) 383-0442 – View Map - Tyson Insurance
3814 N Duke St # A – Durham, NC 27704 – (919) 471-8222 – View Map - Triangle Insurance Alliance
2530 Meridian Pkwy #300 – Durham, NC 27713 – (919) 322-3640 – View Map
Exclusive Agencies
These agents write business for a single company and examples are Farmers Insurance and State Farm. These agents are unable to give you multiple price quotes so keep that in mind. These agents are usually well trained on sales techniques and that enables them to sell even at higher rates. Some people will only choose to use an exclusive agent partially due to high brand loyalty and the convenience of having all coverages with one company.
Shown below are exclusive agencies in Durham who can help you get comparison quotes.
- Nationwide Insurance: All About Insurance
2605 Guess Rd – Durham, NC 27705 – (919) 479-8200 – View Map - Nationwide Insurance: M A Mansour
1209 University Dr – Durham, NC 27705 – (919) 797-0135 – View Map - NC Farm Bureau Insurance
2902 S Miami Blvd Ste A – Durham, NC 27703 – (919) 544-4953 – View Map
Choosing the best car insurance agent should depend on more than just the bottom line cost. These are valid questions to ask:
- If they are an independent agency in Durham, which companies do they recommend?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they carry Errors and Omissions coverage?
- Is the agent properly licensed in North Carolina?
- Which insurance company do they prefer to write with?
Persistence will pay off
Budget-conscious Honda Ridgeline insurance can be sourced on the web as well as from insurance agents, and you should be comparing both to have the best chance of lowering rates. Some companies don’t offer internet price quotes and many times these small, regional companies only sell coverage through independent insurance agents.
As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced comprehensive coverage or liability limits only to find out that they should have had better coverage. The aim is to get the best coverage possible at an affordable rate, but do not skimp to save money.
We covered some good ideas how to get a better price on Honda Ridgeline insurance in Durham. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even be surprised to find that the biggest savings come from the smaller companies.
Steps to finding low-cost Honda Ridgeline insurance in Durham
The preferred way to get budget car insurance rates is to annually compare prices from insurers who sell auto insurance in Durham.
- Step 1: Get a basic knowledge of the coverage provided by your policy and the things you can control to prevent expensive coverage. Many rating criteria that result in higher prices such as speeding and a substandard credit score can be rectified by making lifestyle changes or driving safer.
- Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from a single company like Progressive or Allstate, while independent agencies can provide prices from multiple sources.
- Step 3: Compare the new rates to your current policy premium to see if switching to a new carrier will save money. If you find better rates and switch companies, make sure coverage does not lapse between policies.
- Step 4: Notify your agent or company of your decision to cancel your existing policy and submit a down payment and signed policy application to your new agent or company. Immediately place your new proof of insurance certificate in an easily accessible location in your vehicle.
A good piece of advice is to use similar deductibles and liability limits on each quote request and and to get price estimates from as many car insurance companies as possible. This enables a level playing field and the best rate selection.
More tips and info about car insurance can be read at these sites:
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- How Much is Durham Car Insurance for 18 Year Olds? (FAQ)
- How Much is Auto Insurance for Postal Workers in Durham? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Hyundai Elantra in Durham? (FAQ)
- Child Safety FAQ (iihs.org)
- Vehicle Insurance in the U.S. (Wikipedia)