Astonishing but true according to a recent study, almost 70% of insureds kept their coverage with the same insurance company for four years or more, and just under half have never compared rates to find cheap insurance. Texas drivers can save roughly $1,770 each year by just comparing quotes, but they just don’t understand how easy it is to compare rates and save money.
If your goal is the lowest price, then the best way to find the cheapest price for auto insurance rates in Dallas is to start comparing prices regularly from companies who provide car insurance in Texas.
First, try to understand how auto insurance works and the factors you can control to prevent high rates. Many rating factors that cause high rates like traffic tickets, fender benders, and an imperfect credit rating can be improved by paying attention to minor details. Read the full article for instructions to help reduce premium rates and find missing discounts.
Second, request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like GEICO and Allstate, while agents who are independent can provide rate quotes for a wide range of companies. View a list of agents
Third, compare the price quotes to your existing policy to see if a cheaper rate is available. If you find a better price and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, notify your company or agent of your intention to cancel your current policy and submit the required down payment along with the signed application to the newly selected company. As soon as coverage is bound, put the certificate verifying coverage in an accessible location in your vehicle.
A good tip to remember is that you’ll want to compare the same amount of coverage on every price quote and and to get rates from as many companies as you can. This provides a fair rate comparison and a complete price analysis.
If you have coverage now or need a new policy, follow these tips to cut your premiums while maximizing coverage. This information will let you in on how insurance works and some tips to save money. Consumers just have to know the most efficient way to buy auto insurance from many different companies online.
The majority of larger companies allow consumers to get prices for coverage directly from their websites. Doing online price comparisons for Honda Ridgeline insurance in Dallas is fairly straightforward because it’s just a matter of typing in the coverages you want as requested by the quote form. When complete, the quote system pulls reports for credit and driving violations and quotes a price based on these and other factors.
Using the web to get rate quotes for Honda Ridgeline insurance in Dallas makes it a lot easier to compare rates and it is important to perform this step if you want to find the most affordable insurance rates.
If you want to find out if lower rates are available, check out the insurance providers below. To compare your current rates, we recommend you duplicate coverages and limits just like they are on your policy. Using the same limits helps guarantee you will have a rate comparison using the exact same coverages.
The companies shown below offer quotes in Dallas, TX. If multiple providers are shown, we suggest you visit as many as you can in order to find the most affordable rates.
Discount Dallas car insurance quotes
The cost of insuring your cars can be expensive, but you may qualify for discounts that you may not even know about. Some trigger automatically when you complete an application, but less common discounts must be manually applied before they will apply. If you do not check that you are getting every discount you qualify for, you are throwing money away.
- Own a Home and Save – Just being a homeowner can earn you a little savings due to the fact that maintaining a home demonstrates responsibility.
- Bundle and Save – If you insure your home and vehicles with the same insurance company you could save at least 10% off all policies.
- Save with a New Car – Buying a new car instead of a used Ridgeline may earn a small discount compared to insuring an older model.
- Include Life Insurance and Save – Car insurance companies who offer life insurance give a small discount if you purchase a life insurance policy as well.
- ABS Braking Discount – Anti-lock brake equipped vehicles are much safer to drive and the ABS can save up to 10%.
- Payment Discounts – By making one initial payment rather than paying in monthly installments you may have a lower total premium amount.
As a disclaimer on discounts, most credits do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, you’re out of luck.
The chart below visualizes the comparison of Honda Ridgeline insurance premiums with and without discounts applied to the premium. The prices are based on a male driver, a clean driving record, no claims, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, safe-driver, multi-car, and marriage discounts applied.
Companies that may offer quotes with some of the above discounts include:
- GEICO
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
- SAFECO
- Progressive
- USAA
If you need affordable Honda Ridgeline insurance quotes, ask each insurance company which discounts you may be entitled to. A few discounts may not be offered in Dallas. To see companies that offer multiple discounts in Dallas, click this link.
Insurance coverage details
The premium table shown next highlights estimates of insurance costs for Honda Ridgeline models. Understanding more about how insurance premiums are determined can be useful when making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $184 | $332 | $404 | $24 | $122 | $1,066 | $89 |
| Ridgeline RTS 4WD | $208 | $332 | $404 | $24 | $122 | $1,090 | $91 |
| Ridgeline RTL 4WD | $208 | $392 | $404 | $24 | $122 | $1,150 | $96 |
| Ridgeline RTL W/Navigation 4WD | $208 | $392 | $404 | $24 | $122 | $1,150 | $96 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price information does not factor in specific zip code location which can increase or decrease premiums substantially.
Deductible comparison
One of the hardest decisions when shopping for insurance is how high should your deductibles be. The data tables below may help to illustrate the difference in cost between low and high deductibles. The first data set uses a $100 deductible for comp and collision and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $328 | $592 | $430 | $26 | $128 | $1,529 | $127 |
| Ridgeline RTS 4WD | $370 | $592 | $430 | $26 | $128 | $1,571 | $131 |
| Ridgeline RTL 4WD | $370 | $698 | $430 | $26 | $128 | $1,677 | $140 |
| Ridgeline RTL W/Navigation 4WD | $370 | $698 | $430 | $26 | $128 | $1,677 | $140 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $240 | $400 | $430 | $26 | $128 | $1,224 | $102 |
| Ridgeline RTS 4WD | $270 | $400 | $430 | $26 | $128 | $1,254 | $105 |
| Ridgeline RTL 4WD | $270 | $472 | $430 | $26 | $128 | $1,326 | $111 |
| Ridgeline RTL W/Navigation 4WD | $270 | $472 | $430 | $26 | $128 | $1,326 | $111 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Premium costs do not factor in garaging location in Dallas which can influence insurance rates considerably.
Based on the figures above, using a $100 deductible costs about $28 more each month or $336 for a full year across all Honda Ridgeline models than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you go at least 14 months between claim filings, you would save more money if you opt for a higher deductible. The numbers below show how you can perform this determination yourself.
| Average monthly premium for $100 deductibles: | $135 |
| Average monthly premium for $500 deductibles (subtract): | – $107 |
| Monthly savings from raising deductible: | $28 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $28 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
The illustration below highlights how deductible choice and can change Honda Ridgeline annual premium costs for different age groups. Data assumes a married male driver, comprehensive and collision coverage, and no policy discounts are applied.
Gender differences in insurance premiums
The information below illustrates the difference between Honda Ridgeline auto insurance rates for male and female drivers. Data assumes no tickets, no at-fault accidents, full physical damage coverage, $100 deductibles, single status, and no policy discounts are applied.
Full coverage rates compared to liability-only
The illustration below shows the difference between Honda Ridgeline car insurance costs with full physical damage coverage and with liability coverage only. The information is based on no claims or driving citations, $250 deductibles, single marital status, and no discounts are taken into consideration.
When to switch to liability coverage only
There is no set rule for phasing out comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.
For example, let’s assume your Honda Ridgeline settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $4,000 after you pay the deductible. If premiums are more than $400 a year for physical damage coverage, then you may want to consider only buying liability coverage.
There are some circumstances where eliminating full coverage is not recommended. If you haven’t satisfied your loan, you have to keep full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not buy liability only.
Insurance agent or online?
A lot of people just want to get professional advice from a licensed agent and that is OK! Experienced insurance agents can answer important questions and will help you if you have claims. A good thing about getting online price quotes is you can get better rates and still buy from a local agent.
After filling out this short form, your insurance coverage information is sent to participating agents in Dallas that can provide free Dallas auto insurance quotes for your insurance coverage. There is no need to search for an agent since rate quotes are delivered directly to you. If you want to get a comparison quote for a specific company, you just need to find their quoting web page and fill out their quote form.
Picking the best provider needs to be determined by more than just a low price. These are some questions you should get answers to.
- What is the agency’s Better Business Bureau rating?
- If you are a high risk driver, do they have special markets for your coverage?
- Are they giving you every discount you deserve?
- Will high miles depreciate repair valuations?
- Are they actively involved in the community?
- Do they make recommendations based only on price?
- What is the financial rating for the quoted company?
- Which companies can they place coverage with?
Exclusive agents vs. Independent agents
If you want to buy insurance from a local Dallas insurance agent, you need to know there are two different agency structures and how they are slightly different. Insurance agents in Dallas can be classified as either independent (non-exclusive) or exclusive. Both types of agents can sell affordable insurance policies, but it’s important to point out the differences because it can factor into the selection process.
Exclusive Insurance Agents
Agents that choose to be exclusive can only quote rates from one company such as State Farm, Allstate, and Farm Bureau. These agents are not able to provide rate quotes from other companies so keep that in mind. Exclusive agencies are well trained on what they offer which can be an advantage. A lot of people buy from exclusive agents primarily because of the prominent brand name rather than low price.
Below are Dallas exclusive agencies who can help you get comparison quotes.
- Todd Schara – State Farm Insurance Agent
516 S Hampton Rd #140 – Dallas, TX 75208 – (214) 943-7500 – View Map - Allstate Insurance: Jonathan Crisler
1350 N Buckner Blvd #218 – Dallas, TX 75218 – (214) 324-7676 – View Map - Brent Holtz – State Farm Insurance Agent
3427 E Trinity Mills Rd #601 – Dallas, TX 75287 – (972) 306-1234 – View Map
Independent Agencies or Brokers
Agents of this type often have many company appointments so they can quote policies with many different companies and find the cheapest insurance rates. If prices rise, your policy is moved internally which makes it simple for you.
If you are comparing insurance prices, you will definitely want to get quotes from several independent insurance agents in order to have the best price comparison. Many independent agencies also insure through smaller mutual companies that may provide cheaper insurance rates.
Listed below are independent agencies in Dallas willing to provide rate quotes.
- Porter-Brandenburg Agency
12160 Abrams Rd – Dallas, TX 75243 – (972) 234-5588 – View Map - Bankhead Insurance Agency LLC
10935 Estate Ln #380 – Dallas, TX 75238 – (214) 343-1333 – View Map - Nationwide Insurance: The Rod Hanks Agency Inc
6300 Samuell Blvd #05 – Dallas, TX 75228 – (214) 275-8372 – View Map
Upon getting good responses to all your questions and a low price estimate, it’s a good possibility that you have found an auto insurance agent that can be relied on to properly insure your vehicles.
Dallas Insurance Premiums are Influenced by These Factors
A large part of saving on car insurance is knowing some of the things that are used to determine car insurance rates. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that may reward you with lower rates. Lots of factors are part of the calculation when you get your auto insurance bill. Some are obvious such as your driving record, although some other factors are less obvious like your continuous coverage or how safe your car is.
- Urban areas may pay more – Living in a rural area can save you money if you are looking for the lowest rates. Drivers who live in large cities tend to have more aggressive driving styles and much longer commute distances. Fewer people translates into fewer accidents and lower theft and vandalism rates.
- Combine policies and save – Most companies provide lower prices to buyers that buy multiple policies. It’s known as a multi-policy discount. Discounts can amount to 10 percent or more. If you currently are using one company, drivers will still want to compare Honda Ridgeline rates in Dallas to help guarantee you have the best rates.
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Avoid traffic tickets – Getting just one chargeable violation could increase your next policy renewal by twenty percent. Attentive drivers pay less for auto insurance than bad drivers. Drivers who have gotten multiple violations like DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
The chart below illustrates how violations and at-fault fender-benders can influence Honda Ridgeline car insurance rates for different insured age categories. The rate quotes are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
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Age of drivers – Older insureds are more cautious drivers, tend to file fewer claims, and are generally more financially stable. Inexperience drivers are statistically shown to be careless and easily distracted when driving with friends therefore car insurance rates are much higher.
The following chart is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.
- Pleasure use saves money – The higher the mileage driven every year the higher the price you pay to insure it. Almost all companies charge rates based upon how much you drive. Vehicles used primarily for pleasure use qualify for better rates than cars that get driven a lot. Double check that your vehicle rating properly reflects the proper vehicle usage, because it can save money. An incorrectly rated Ridgeline may be wasting your money.
Car insurance does more than just protect your car
Despite the high insurance cost for a Honda Ridgeline in Dallas, buying car insurance is required by state law in Texas and it also provides benefits you may not be aware of.
- Most states have mandatory insurance requirements which means you are required to carry specific limits of liability protection in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your Honda Ridgeline, almost all lenders will require that you buy insurance to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the lender will be forced to insure your Honda for a lot more money and force you to pay the higher premium.
- Car insurance protects not only your car but also your assets. Insurance will also pay for medical transport and hospital expenses for yourself as well as anyone injured by you. Liability coverage, the one required by state law, also covers legal expenses if you are named as a defendant in an auto accident. If your Honda gets damaged, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of buying enough insurance are definitely more than the cost, especially if you ever need it. But the average driver in Texas overpays as much as $700 annually so compare rates every year to be sure current rates are still competitive.
Persistent drivers can save
Drivers who switch companies do it for many reasons like policy non-renewal, unfair underwriting practices, delays in responding to claim requests and even high prices. It doesn’t matter what your reason, finding a new insurance company is actually quite simple.
Some insurance companies do not provide rate quotes online and usually these small, regional companies only sell through local independent agencies. Cheap Honda Ridgeline insurance in Dallas is possible both online in addition to many Dallas insurance agents, so you need to compare both to have the best selection.
You just read some good ideas how you can compare Honda Ridgeline insurance rates in Dallas. The key thing to remember is the more quotes you get, the better likelihood of getting affordable Dallas auto insurance quotes. You may even find the best rates are with a company that doesn’t do a lot of advertising.
Additional information
- Prom Night Tips for Teen Drivers (State Farm)
- Should I Buy a New or Used Car? (Allstate)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Rental Reimbursement Coverage (Allstate)