Insurance rates Honda Ridgeline in BaltimoreNobody I know loves paying for insurance, especially when they are aware that they could find better rates elsewhere.

Unfortunately, over 70% of drivers kept buying from the same company for at least four years, and almost half have never compared insurance rates at all. With the average premium in Maryland being $1,494, drivers could cut their rates by as much as 55% a year by just shopping around, but they just don't understand how much money they would save if they changed companies.

Drivers have multiple insurers to insure vehicles with, and although it's a good thing to have a selection, so many choices can make it hard to find the lowest cost provider for Honda Ridgeline insurance in Baltimore.

Honda Ridgeline insurance discounts in Baltimore

Car insurance can cost a lot, but there could be available discounts to help offset the cost. Certain credits will be shown when you purchase, but some must be requested specifically before you will receive the discount. If you aren't receiving every discount you qualify for, you are not getting the best rate possible.Discount auto insurance

Please keep in mind that some credits don't apply to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like it's possible to get free car insurance, it just doesn't work that way.

For a list of auto insurance companies with the best Honda Ridgeline insurance discounts in Baltimore in Maryland, click here to view.

When comparing car insurance rates, know that comparing all the rates in your area will enable you to find the best price.

The car insurance companies shown below can provide price quotes in Baltimore, MD. If multiple companies are listed, we recommend you get price quotes from several of them to get the most affordable price.

Honda Ridgeline Insurance Rates in Baltimore, MD
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ridgeline RT 4WD $244 $482 $596 $36 $178 $1,536 $128
Ridgeline RTS 4WD $222 $354 $432 $26 $130 $1,164 $97
Ridgeline RTL 4WD $394 $766 $620 $36 $186 $2,002 $167
Ridgeline RTL W/Navigation 4WD $322 $574 $472 $28 $142 $1,538 $128
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in specific Baltimore garaging location which can increase or decrease coverage prices substantially.

Policy deductibles

One common question asked by Baltimore drivers is how high should the deductibles for physical damage be. The data tables below may aid in understanding the premium difference when you choose different policy deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second set of rates uses a $500 deductible.

Honda Ridgeline insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ridgeline RT 4WD $314 $528 $458 $28 $138 $1,491 $124
Ridgeline RTS 4WD $354 $528 $458 $28 $138 $1,531 $128
Ridgeline RTL 4WD $354 $624 $458 $28 $138 $1,627 $136
Ridgeline RTL W/Navigation 4WD $354 $624 $458 $28 $138 $1,627 $136
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Honda Ridgeline insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ridgeline RT 4WD $256 $426 $458 $28 $138 $1,306 $109
Ridgeline RTS 4WD $288 $426 $458 $28 $138 $1,338 $112
Ridgeline RTL 4WD $288 $502 $458 $28 $138 $1,414 $118
Ridgeline RTL W/Navigation 4WD $288 $502 $458 $28 $138 $1,414 $118
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Table data does not factor in garaging location in Baltimore which can modify coverage prices greatly.

Based on the data above, we can derive that using a $250 deductible costs about $17 more each month or $204 each year than selecting the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 15 months between claim filings, you would more than likely save some money if you decide on a higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $250 deductibles: $131
Average monthly premium for $500 deductibles (subtract): - $114
Monthly savings from raising deductible: $17
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One important caveat is that increasing deductibles to save money results in having to pay to pay more out-of-pocket if you have a claim. That will necessitate enough disposable savings in the event you need to pay the deductible to have repairs made.

Your insurance coverage should be tailored to you

Always remember that when buying a policy, there really isn't a one size fits all plan. Your needs are unique to you.Insurance savings

These are some specific questions might help in determining whether your personal situation would benefit from an agent's advice.

If you can't answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Buying from insurance agencies

A small number of people would prefer to visit with an insurance agent and that is a smart decision A nice benefit of comparing rates online is that drivers can save money and get the lowest rates and still have an agent to talk to.

After completing this quick form, your information gets sent to insurance agents in Baltimore that can give you free Baltimore auto insurance quotes for your insurance coverage. There is no reason to even leave your home as quotes are delivered straight to your inbox. You can find the lowest rates without a big time investment. If you want to quote rates from one company in particular, you just need to find their quoting web page and submit a quote form there.

Finding a good insurance company should depend on more than just the quoted price. Some important questions to ask are:

Shown below are agents in Baltimore that may be able to provide rate quotes for Honda Ridgeline insurance in Baltimore.


7200 Eastern Ave a - Baltimore, MD 21224 - (410) 282-7863 - View Map


454 E Fort Ave - Baltimore, MD 21230 - (410) 727-4545 - View Map


307 Frederick Rd - Baltimore, MD 21228 - (410) 744-0077 - View Map


7839 Eastpoint Mall Ste 4 - Baltimore, MD 21224 - (410) 285-8200 - View Map

View more Baltimore agents

One last note

As you shop your coverage around, it's a bad idea to skimp on coverage in order to save money. Too many times, an insured cut liability coverage limits and found out when filing a claim that the savings was not a smart move. Your focus should be to find the BEST coverage at the best possible price, not the least amount of coverage.

Drivers who switch companies do it for any number of reasons including high prices, policy non-renewal, policy cancellation and high rates after DUI convictions. Whatever your reason, finding the right car insurance provider can be easy and end up saving you some money.

Throughout this article, we presented a lot of tips how to find cheap Honda Ridgeline insurance in Baltimore. The most important thing to understand is the more quotes you get, the better likelihood of getting low cost Baltimore auto insurance quotes. You may even find the lowest priced car insurance comes from a small mutual company.

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