Shopping for affordable Columbia Honda Ridgeline insurance quotes can seem to be impossible for people new to comparison shopping online. With such a large number of agents and insurers available, how are we expected to effectively compare every one to find better rates?
Sad but true, almost 70% of drivers in South Carolina have purchased from the same company for at least the last four years, and 38% of drivers have never shopped around. U.S. insurance shoppers could save as much as 46.5% every year, but they just don't understand the large savings they would see if they replace their high priced policy.
Low-cost auto insurance in Columbia, SC
The companies shown below are our best choices to provide comparison quotes in Columbia, SC. If multiple providers are shown, we recommend you visit several of them in order to find the most competitive rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ridgeline RT 4WD||$252||$520||$404||$24||$122||$1,322||$110|
|Ridgeline RTS 4WD||$378||$530||$506||$30||$152||$1,596||$133|
|Ridgeline RTL 4WD||$208||$414||$404||$24||$122||$1,172||$98|
|Ridgeline RTL W/Navigation 4WD||$256||$514||$404||$24||$122||$1,320||$110|
|Get Your Own Custom Quote Go|
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Price information does not factor in Columbia location which can increase or decrease price quotes significantly.
Auto insurance premiums based on gender
The illustration below illustrates the comparison of Honda Ridgeline premium costs for male and female drivers. The data assumes no violations or claims, full coverage, $250 deductibles, marital status is single, and no discounts are applied.
You may qualify for discounts for Honda Ridgeline insurance in Columbia
Companies don't always list all available discounts very clearly, so the list below details some of the more common as well as some of the hidden credits that may apply to you.
- Membership in Organizations - Having an affiliation with qualifying clubs or civic groups is a good way to get lower rates when shopping for insurance.
- Pay Early and Save - If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
- New Vehicle Savings - Putting insurance coverage on a new Ridgeline can save up to 30% because newer vehicles are generally safer.
- E-sign - Some companies may give you up to $50 for buying your policy on their website.
- Auto/Life Discount - Larger insurance companies have lower insurance rates if you buy life insurance.
- Resident Student - Any of your kids who are enrolled in higher education away from home and do not have a car may be insured at a cheaper rate.
- Government Employee Discount - Federal government employees could cut as much as 10% off with certain companies.
- Service Members Pay Less - Having a deployed family member could be rewarded with lower insurance rates.
It's important to note that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though you would think you can get free auto insurance, insurance companies wouldn't stay in business.
A few of the larger companies and a partial list of their discounts are included below.
- GEICO has savings for military active duty, anti-lock brakes, seat belt use, air bags, membership and employees, anti-theft, and emergency military deployment.
- MetLife includes discounts for claim-free, good driver, defensive driver, good student, multi-policy, accident-free
- Progressive may have discounts that include good student, multi-vehicle, online signing, continuous coverage, and multi-policy.
- Travelers offers premium reductions for IntelliDrive, multi-policy, save driver, early quote, and payment discounts.
- SAFECO may include discounts for drive less, homeowner, anti-theft, anti-lock brakes, accident prevention training, and teen safe driver.
- AAA offers discounts including multi-car, good driver, good student, anti-theft, education and occupation, and AAA membership discount.
Before purchasing a policy, check with each insurance company how you can save money. A few discounts might not be available to policyholders in your area. To see a list of providers that offer discounts in South Carolina, click here to view.
Situations that may require an agent's advice
When selecting a policy for your vehicles, there isn't really a cookie cutter policy. Everyone's situation is a little different.
For example, these questions may help you determine whether you might need an agent's assistance.
- Am I covered if I hit someone who is not insured?
- Am I covered when delivering products for my home-based business?
- At what point should I drop full coverage?
- Is my camper covered for physical damage?
- How can I find cheaper teen driver insurance?
- What if an uninsured driver hits me?
- How does medical payments coverage work?
If it's difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don't have a local agent, fill out this quick form.
Insurance agent or online?
Some people still prefer to buy from a local agent and that is OK! The best thing about getting online price quotes is the fact that you can find lower rates but still work with a licensed agent.
For easy comparison, once you complete this simple form, the coverage information is emailed to local insurance agents who will return price quotes to get your business. You don't have to leave your computer as quotes are delivered directly to your email. You can find lower rates without requiring a lot of work. If you need to quote rates from a particular provider, just go to their quote page to submit a rate quote request.
Choosing an company should include more criteria than just a cheap quote. You should also get answers to these questions.
- Is vehicle damage repaired with OEM or aftermarket parts?
- How much can you save by raising your physical damage deductibles?
- Has the agent ever had any license suspensions?
- Will your rates increase after a single accident?
- Will their companies depreciate repairs to your car based on the mileage?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Are they in the agency full-time?
- Can you choose the body shop in case repairs are needed?
If you would like to find a reliable insurance agency, it's helpful to know the different types of agents and how they operate. Insurance agencies in Columbia may be either independent or exclusive.
Exclusive Insurance Agencies
Agents that choose to be exclusive normally can only provide a single company's rates like Farmers Insurance, American Family, State Farm and Allstate. Exclusive agencies are unable to compare other company's rates so if the price isn't competitive there isn't much they can do. These agents are usually quite knowledgeable on sales techniques which helps them compete with independent agents. Drivers often buy insurance from these agents mostly because of the brand and the convenience of having a single billing for all their coverages.
The following are exclusive agencies in Columbia that can give you rate quotes.
- Troy Roberts - State Farm Insurance Agent
3206 Millwood Ave - Columbia, SC 29205 - (803) 212-7000 - View Map
- Rick Anthony - State Farm Insurance Agent
6226 Bush River Rd b - Columbia, SC 29212 - (803) 781-9810 - View Map
- Jimmy Gilbert Jr - State Farm Insurance Agent
1303 Assembly St Ste A - Columbia, SC 29201 - (803) 799-3077 - View Map
Independent Insurance Agents
These agents are not employed by any specific company so they can write business with multiple insurance companies and get you the best rates possible. If you want to switch companies, the business is moved internally and that require little work on your part. When comparing insurance rates, it's a good idea to get some free quotes from a few independent agents to have the best price comparison. Most also have access to different regional companies which may have better rates.
The following are Columbia independent insurance agencies that are able to give rate quotes.
- Driver's Choice Insurance
607 Meeting St - West Columbia, SC 29169 - (803) 387-0712 - View Map
- Giles Insurance Agency
2442 Devine St - Columbia, SC 29205 - (803) 728-3318 - View Map
- Safeco Insurance
4700 Forest Dr - Columbia, SC 29206 - (803) 451-0076 - View Map
Insurance coverages and their meanings
Understanding the coverages of your policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.
Collision coverages - This will pay to fix damage to your Ridgeline resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims like driving through your garage door, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible on your Ridgeline to get cheaper collision coverage.
Uninsured or underinsured coverage - Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Honda Ridgeline.
Since a lot of drivers only purchase the least amount of liability that is required (which is 25/50/25), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.
Liability - This coverage can cover damage or injury you incur to other people or property that is your fault. It protects you against claims from other people. Liability doesn't cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.
Liability insurance covers claims like bail bonds, loss of income, medical services and repair costs for stationary objects. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible. South Carolina requires drivers to carry at least 25/50/25 but you should think about purchasing higher limits.
Medical expense coverage - Med pay and PIP coverage kick in for short-term medical expenses for nursing services, chiropractic care, rehabilitation expenses, surgery and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage
Comprehensive protection - This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like rock chips in glass, hitting a bird, damage from getting keyed and fire damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.
The best rates come from being thorough
As you restructure your insurance plan, make sure you don't buy poor coverage just to save money. There are too many instances where consumers will sacrifice collision coverage only to discover later that it was a big mistake. Your aim should be to find the BEST coverage at an affordable rate but still have enough coverage for asset protection.
Affordable Honda Ridgeline insurance in Columbia can be bought on the web and also from your neighborhood Columbia agents, so you need to quote Columbia car insurance with both so you have a total pricing picture. A few companies may not provide internet price quotes and most of the time these small, regional companies prefer to sell through independent agencies.
Consumers leave their current company for a variety of reasons including delays in responding to claim requests, extreme rates for teen drivers, poor customer service or even policy cancellation. No matter why you want to switch, finding a new company can be pretty painless.
- Reducing Your Risks in a Car Crash Video (iihs.org)
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- All About Airbag Safety (State Farm)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Auto Insurance for Teen Drivers (Insurance Information Institute)