Shocking but true, most drivers have bought auto insurance from the same company for at least four years, and nearly 40% of drivers have never compared rates with other companies. Many consumers in Chula Vista can save hundreds of dollars each year just by getting comparison quotes, but they don’t believe how much savings they would realize if they just switched companies.
It takes a little time, but the best way to find discount Honda Ridgeline insurance is to start doing a yearly price comparison from insurers who sell insurance in Chula Vista. Rate comparisons can be done by following these steps.
First, spend some time learning about coverages and the measures you can control to keep rates down. Many rating factors that drive up the price such as accidents, traffic tickets, and a less-than-favorable credit score can be remedied by making small lifestyle or driving habit changes.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from a single company like GEICO or State Farm, while independent agencies can give you price quotes from multiple sources.
Third, compare the new rate quotes to your existing rates to see if cheaper Ridgeline coverage is available in Chula Vista. If you can save some money and make a switch, make sure there is no coverage gap between policies.
One tip to remember is to use similar coverage information on every quote request and and to get price quotes from every insurance company. This provides the most accurate price comparison and the best price selection.
Locating the most cost-effective auto insurance policy in Chula Vista is actually quite simple. If you currently have a car insurance policy, you will surely be able to lower your rates using the following tips. Smart shoppers only need to know the tricks to compare price quotes from many different companies.
Save money with these five discounts on Honda Ridgeline insurance in Chula Vista
Insurance is expensive, but you might be missing out on some discounts that could help you make your next renewal payment. Some of these discounts will be visible at the time of quoting, but lesser-known reductions have to be manually applied before you will receive the discount. If you aren’t receiving every discount you deserve, it’s possible you qualify for a lower rate.
- Driver Training Discounts – Successfully completing a course that instructs on driving safety may get you a small discount if your company offers it.
- Multiple Cars – Buying coverage for multiple vehicles with the same insurance company can get a discount for every vehicle.
- Safety Restraint Discount – Requiring all passengers to buckle up before driving could cut 10% or more on medical payment and PIP coverage.
- Theft Prevention System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
- Chula Vista Homeowners Discount – Simply owning a home can save you money because owning a home means you have a higher level of financial diligence.
As a disclaimer on discounts, most credits do not apply to the entire cost. Most only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky.
The illustration below shows the comparison of Honda Ridgeline insurance prices with and without some available policy discounts. Data assumes a female driver, no tickets, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, multi-car, marriage, homeowner, and safe-driver discounts applied.
To locate insurance companies that offer the discounts shown above in Chula Vista, click here.
The following companies are our best choices to provide free quotes in California. To get the best cheap car insurance in Chula Vista, it’s highly recommended you click on several of them to get the best price comparison.
Coverage information
The coverage information below outlines a range of coverage prices for Honda Ridgeline models. Having knowledge of how rates are established can help guide drivers when making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $308 | $570 | $674 | $40 | $202 | $1,794 | $150 |
| Ridgeline RTS 4WD | $348 | $570 | $674 | $40 | $202 | $1,834 | $153 |
| Ridgeline RTL 4WD | $348 | $672 | $674 | $40 | $202 | $1,936 | $161 |
| Ridgeline RTL W/Navigation 4WD | $348 | $672 | $674 | $40 | $202 | $1,936 | $161 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Price information does not factor in zip code location which can affect premiums considerably.
Comparison of policy deductibles
A question often asked by Chula Vista drivers is which deductibles should you choose. The rates below determine the price difference between high and low physical damage coverage deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $380 | $686 | $500 | $30 | $150 | $1,771 | $148 |
| Ridgeline RTS 4WD | $430 | $686 | $500 | $30 | $150 | $1,821 | $152 |
| Ridgeline RTL 4WD | $430 | $810 | $500 | $30 | $150 | $1,945 | $162 |
| Ridgeline RTL W/Navigation 4WD | $430 | $810 | $500 | $30 | $150 | $1,945 | $162 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $210 | $362 | $500 | $30 | $150 | $1,252 | $104 |
| Ridgeline RTS 4WD | $238 | $362 | $500 | $30 | $150 | $1,280 | $107 |
| Ridgeline RTL 4WD | $238 | $426 | $500 | $30 | $150 | $1,344 | $112 |
| Ridgeline RTL W/Navigation 4WD | $238 | $426 | $500 | $30 | $150 | $1,344 | $112 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rates do not factor in vehicle garaging location which can lower or raise premiums substantially.
Using the data above, we can ascertain that using a $100 deductible will cost you approximately $47 more each month or $564 each year than requesting the higher $1,000 deductible. Since you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go more than 19 months between claim filings, you would probably come out ahead going with the higher deductible.
Impact of violations and accidents on rates in Chula Vista
The illustration below demonstrates how speeding tickets and at-fault accidents impact Honda Ridgeline yearly insurance costs for different age groups. The price estimates are based on a married female driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.
Annual premiums for males compared to females in Chula Vista
The example below visualizes the comparison of Honda Ridgeline insurance rates for male and female drivers. The data is based on no accidents, no driving violations, comp and collision included, $250 deductibles, drivers are single, and no discounts are applied to the premium.
Full coverage rates compared to liability-only
The information below illustrates the difference between Honda Ridgeline car insurance costs when comparing full coverage to liability only. The premiums are based on no claims or driving citations, $100 deductibles, single marital status, and no discounts are factored in.
Guidelines for eliminating full coverage
There is no definitive formula for eliminating full coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance 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 assume your Honda Ridgeline claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after paying your deductible. If you are paying more than $200 a year for physical damage coverage, then you may want to consider only buying liability coverage.
There are a few situations where dropping physical damage coverage is not a good idea. If you haven’t satisfied your loan, you are required to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.
Insurance agents can help
When selecting proper insurance coverage, there isn’t really a cookie cutter policy. Your situation is unique so this has to be addressed. These are some specific questions can help discover whether or not you might need an agent’s assistance.
- Will I lose any money if I cancel my policy before it expires?
- Can I cancel at any time?
- Will filing a claim cost me more?
- Does my policy cover me if I wreck while driving under the influence?
- Which companies will insure me after a DUI?
- Does liability extend to a camper or trailer?
- What states are considered no-fault?
- How much underlying liability do I need for an umbrella policy?
- Are there any extra discounts I can get?
If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.
Local Chula Vista insurance agencies
Many drivers just want to sit down with an agent and often times that is recommended Most agents can make sure you are properly covered and help submit paperwork. One of the best bonuses of comparing rate quotes online is the fact that you can find cheap insurance quotes and still choose a local agent.
To find an agent, once you fill out this form (opens in new window), your coverage information is sent to local insurance agents in Chula Vista who will give you bids for your coverage. You won’t even need to drive around due to the fact that quote results will go to the email address you provide. If for some reason you want to compare rates from one company in particular, don’t hesitate to go to their quote page to submit a rate quote request.
Choosing a company needs to be determined by more than just the bottom line cost. Below are some questions you should ask.
- Which companies do they recommend if they are an independent agency?
- Do the coverages you’re quoting properly cover your vehicle?
- Can they help ensure a fair claim settlement?
- Is the agency involved in supporting local community causes?
- What is the financial rating for the quoted company?
- Is there a Errors and Omissions policy in force?
- Are there any discounts for paying up front?
- Does the quote include credit and driving reports?
When searching for a local Chula Vista insurance agency, you should know the different agency structures that you can select. Insurance agents in Chula Vista can be categorized as either exclusive or independent (non-exclusive). Both can handle insurance, but it is important to understand why they differ since it may influence the type of agent you choose.
Exclusive Agencies
Agents that elect to be exclusive generally can only insure with one company such as Farmers Insurance and State Farm. Exclusive agents cannot provide prices from multiple companies so they have no alternatives for high prices. These agents are well trained on their company’s products which helps them compete with independent agents. Some consumers prefer to buy from the same agent for years mostly because of loyalty to the company and the convenience of having all coverages with one company.
Below are exclusive insurance agencies in Chula Vista willing to provide comparison quotes.
- Farmers Insurance: David McClurg
289 3rd Ave – Chula Vista, CA 91910 – (619) 498-1660 – View Map - Hugo Aguilera – State Farm Insurance Agent
629 3rd Ave L – Chula Vista, CA 91910 – (619) 420-3227 – View Map - Allstate Insurance: Barry L. St. Onge
651 3rd Ave a – Chula Vista, CA 91910 – (619) 426-7885 – View Map
Independent Agencies or Brokers
Agents that elect to be independent are not employed by one company and that is an advantage because they can write policies with a variety of different insurance companies and find you the best rates. If your agent finds better pricing, they can switch companies in-house and you won’t have to switch agencies.
When comparing insurance rates, you will want to include rate quotes from at a minimum one independent agency in order to have the best price comparison. They also have the ability to place coverage with small mutual carriers that can offer cheaper rates than bigger companies.
Shown below are Chula Vista independent insurance agents who can help you get comparison quotes.
- L A Insurance
202 Broadway – Chula Vista, CA 91910 – (619) 476-1800 – View Map - Princell Insurance Services
1068 Moonstone Pl – Chula Vista, CA 91913 – (619) 397-5955 – View Map - American Tri-Star Insurance Services
401 H St #10 – Chula Vista, CA 91910 – (619) 827-0522 – View Map
It may be expensive, but it’s not optional
Despite the fact that car insurance is not cheap in Chula Vista, insuring your vehicle is most likely required but also gives you several important benefits.
- The majority of states have minimum liability requirements which means it is punishable by state law to not carry a specific level of liability protection in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a loan on your Honda Ridgeline, more than likely the lender will have a requirement that you have comprehensive coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the lender will be forced to insure your Honda for a much higher rate and force you to pay the higher price.
- Insurance safeguards both your vehicle and your personal assets. It will also reimburse you for medical expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, your car insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance more than offset the price you pay, especially if you ever need it. But the average American driver is overpaying more than $825 a year so we recommend shopping around every year to help ensure money is not being wasted.
Auto insurance coverage basics
Knowing the specifics of your policy helps when choosing which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. These are typical coverage types offered by auto insurance companies.
Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for short-term medical expenses like rehabilitation expenses, prosthetic devices, doctor visits, dental work and funeral costs. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage
Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like rock chips in glass, theft, damage from flooding, falling objects and damage from getting keyed. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Collision – This covers 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 like driving through your garage door, backing into a parked car, sideswiping another vehicle, crashing into a building and rolling your car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible on your Ridgeline to bring the cost down.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Honda Ridgeline.
Due to the fact that many California drivers carry very low liability coverage limits (California limits are 15/30/5), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.
Liability – This coverage provides protection from damage that occurs to other people or property in an accident. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 15/30/5 which stand for a limit of $15,000 per injured person, 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 such as attorney fees, funeral expenses, repair bills for other people’s vehicles, emergency aid and pain and suffering. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible. California requires drivers to carry at least 15/30/5 but it’s recommended drivers buy more liability than the minimum.
The chart below shows why low liability limits may not be adequate coverage.
More quotes mean more car insurance savings
You just read a lot of techniques to compare Honda Ridgeline insurance premium rates in Chula Vista. The key thing to remember is the more you quote Chula Vista car insurance, the more likely it is that you will get a better rate. Consumers may even find the most savings is with a small local company. These smaller insurers may have significantly lower prices on certain market segments than their larger competitors like State Farm or Progressive.
Affordable Honda Ridgeline insurance in Chula Vista can be bought both online in addition to local insurance agencies, so you need to shop Chula Vista car insurance with both to get a complete price analysis. Some companies may not offer rates over the internet and most of the time these smaller providers sell through independent agents.
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