How many years has it been since you compared low-cost insurance rates in Milwaukee, WI? Milwaukee buyers have a choice when searching for the best price on Honda Ridgeline insurance. You can either waste hours calling around to compare prices or use the internet to compare rates. There are more efficient ways to find insurance online so we’re going to tell you the proper way to get price quotes on a Honda and find the cheapest rates from both online companies and Milwaukee agents.
A recent study showed that the vast majority of insurance customers renewed their policy with the same company for a minimum of four years, and just short of a majority have never compared quotes from other companies. Most drivers in Milwaukee could save nearly 30% every year, but they just don’t want to compare other rate quotes.
If you’re already insured or just want cheaper rates, use these money-saving tips to shop for the lowest rates while maximizing coverage. The purpose of this article is to teach you how to get online quotes and how to save the most money. Drivers only have to learn the most efficient way to compare insurance rates from many companies at once.
How Your Ridgeline Insurance Rates are Determined
The best way to find cheaper car insurance is to take a look at the factors that go into determining your policy premiums. When you know what positively or negatively determines premiums, this enables you to make decisions that may reward you with big savings.
Listed below are some of the items used by insurance companies to determine rates.
- Cars with good safety ratings lower prices – Cars with high safety ratings tend to be cheaper to insure. Safe vehicles have better occupant injury protection and reduced instances of injuries means lower claim amounts and more competitive rates for policyholders.
- Teenage drivers pay higher prices – More mature drivers are viewed as being more responsible, tend to cause fewer accidents, and are generally more financially stable.Inexperience drivers have been known to be easily distracted when behind the wheel so car insurance rates are higher.
- Vehicle options impact premiums – Driving a car with an alarm system can help lower your rates. Systems that thwart thieves such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent your vehicle from being stolen.
- More performance means more cost – The make and model of the car or truck you are buying insurance for makes a substantial difference in the rate you pay. Since the Honda Ridgeline is classified as a pickup truck, insurance will be similar in price when compared to the average rates in Milwaukee. Low performance passenger models generally have the cheapest insurance rates, but the final cost of insurance is determined by many other factors.
- Liability protection limits are a factor – Your policy’s liability coverage kicks in in the event that you are found liable for an accident. Liability provides for a legal defense to attempt to prove you were not liable. Liability insurance is quite affordable compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
Finding low cost Milwaukee auto insurance rates can be quick and easy. Consumers just need to take a few minutes comparing rates online from several insurance companies.
The auto insurance companies shown below offer comparison quotes in Milwaukee, WI. If multiple companies are listed, it’s a good idea that you visit as many as you can in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ridgeline RT 4WD | $122 | $232 | $350 | $20 | $106 | $830 | $69 |
| Ridgeline RTS 4WD | $120 | $184 | $266 | $16 | $80 | $666 | $56 |
| Ridgeline RTL 4WD | $204 | $388 | $268 | $16 | $80 | $956 | $80 |
| Ridgeline RTL W/Navigation 4WD | $192 | $434 | $294 | $18 | $88 | $1,026 | $86 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price estimates do not factor in specific garaging location which can alter insurance rates greatly.
Premiums by gender and age
The chart below illustrates the comparison of Honda Ridgeline annual premium costs for male and female drivers. Data assumes no claims or violations, full coverage, $500 deductibles, marital status is single, and no discounts are taken into consideration.
It may be expensive, but it’s not optional
Despite the high insurance cost for a Honda Ridgeline in Milwaukee, insurance is required for several reasons.
First, almost all states have minimum mandated liability insurance limits which means you are required to carry a specific level of liability insurance coverage in order to be legal. In Wisconsin these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you bought your vehicle with a loan, more than likely the lender will make it mandatory that you buy insurance to guarantee payment of the loan. If you let the policy lapse, the bank will be required to insure your Honda at a more expensive rate and force you to reimburse them for the much more expensive policy.
Third, insurance protects both your vehicle and your assets. It will also reimburse you for medical transport and hospital expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance also covers legal expenses if you cause an accident and are sued. If your car is damaged in a storm or accident, your insurance policy will pay to repair the damage.
The benefits of carrying enough insurance outweigh the cost, especially if you ever need it. The average driver in America is wasting up to $869 every year so it’s recommended you shop around at least once a year to ensure rates are competitive.
Affordable Milwaukee auto insurance rates with discounts
Auto insurance companies don’t list every available discount in an easy-to-find place, so here is a list some of the more common and also the more inconspicuous credits available to you.
- Accident Forgiveness – This isn’t a discount exactly, but companies like Progressive, Allstate, and Liberty Mutual allow you one accident before they charge you more for coverage with the catch being you have to be claim-free prior to being involved in the accident.
- Distant Student – Any of your kids who attend college more than 100 miles from Milwaukee and don’t have a car could get you a discount.
- Driver Training Discounts – Passing a driver safety course could earn you a small percentage discount and easily pay for the cost of the class.
- Early Switch Discount – A few companies allow discounts for switching to them before your current expiration date. It’s a savings of about 10%.
- Multiple Vehicles – Buying insurance for primary and secondary vehicles on the same auto insurance policy can get a discount for every vehicle.
- Organization Discounts – Joining a civic or occupational organization in Milwaukee is a simple method to lower premiums on your policy.
- Paperwork-free – A handful of companies will provide an incentive for buying a policy and signing up on your computer.
- Good Student Discount – A discount for being a good student can get you a discount of up to 25%. The discount lasts up until you turn 25.
- Payment Method – If you pay your bill all at once rather than paying monthly you can avoid the installment charge.
- Driver Education Discount – It’s a good idea to have your young drivers complete a driver education course as it can save substantially.
One thing to note about discounts is that some of the credits will not apply to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. Even though it appears having all the discounts means you get insurance for free, you aren’t that lucky. But all discounts will cut your policy cost.
If you would like to see a list of insurers that have a full spectrum of discounts in Wisconsin, click here.
Compare prices but buy from a local Milwaukee insurance agent
Certain consumers would prefer to talk to a local agent and that is a personal choice. Good insurance agents are very good at helping people manage risk and give you someone to call. A nice benefit of getting free rate quotes online is you can get lower rates but also keep your business local.
By using this quick form, the coverage information is transmitted to insurance agents in Milwaukee who want to provide quotes and help you find cheaper coverage. It makes it easy because there is no need to contact any insurance agencies as quotes are delivered to your email. If you want to quote rates from one company in particular, don’t hesitate to find their quoting web page and fill out their quote form.
Choosing the best provider requires more thought than just a cheap quote. Get answers to these questions too.
- Will the quote change when the policy is issued?
- How are they compensated?
- Is their price quote a firm figure or are their hidden costs?
- Does the company have a local claim office in Milwaukee?
- Is assistance available after office hours?
- Does the agency have a current Errors and Omissions policy?
- Are they actively involved in the community?
- How many years have they been established?
If you need to find a local Milwaukee insurance agency, it’s important to understand the types of agencies and how they are distinctly different. Agents in Milwaukee are categorized either independent agents or exclusive agents. Both types can provide auto insurance policies, but it’s a good idea to understand the differences because it can factor into your selection of an agent.
Exclusive Auto Insurance Agencies
Agents that elect to be exclusive work for only one company such as American Family, State Farm, and Allstate. These agents are unable to provide other company’s prices so they really need to provide good service. Exclusive agents are highly trained on the products they sell which helps them sell insurance even at higher premiums. A lot of people purchase coverage from exclusives partially due to the prominence of the brand instead of buying on price only.
Listed below is a list of exclusive insurance agencies in Milwaukee that can give you price quote information.
- American Family Insurance – Arthur Olszewski Agency Inc.
7400 W Brown Deer Rd – Milwaukee, WI 53223 – (414) 355-5533 – View Map - American Family Insurance – Joseph Setum Jr
3457 S Kinnickinnic Ave – Milwaukee, WI 53207 – (414) 769-0701 – View Map - American Family Insurance – Derold Barker
2215 E North Ave #1 – Milwaukee, WI 53202 – (414) 332-8350 – View Map
Independent Insurance Agents
Agents that elect to be independent are normally appointed by many insurers and that allows them to write policies with any number of different companies enabling the ability to shop coverage around. If your agent finds better pricing, your agent can just switch to a different company and that require little work on your part. When shopping rates, it’s recommended you contact several independent insurance agents to ensure the widest selection of prices. Many independent agencies also insure through lesser-known insurance companies which may provide better rates.
The following are independent agencies in Milwaukee who can help you get price quote information.
- Adams Insurance Service Inc
11046 W Bluemound Rd – Milwaukee, WI 53226 – (414) 257-2070 – View Map - Frank Medina Insurance WI
342 N Water St Ste 600 – Milwaukee, WI 53202 – (414) 877-0777 – View Map - Friedle Insurance Agency Inc
7700 W Bluemound Rd #110 – Wauwatosa, WI 53213 – (414) 475-0110 – View Map
Don’t give up on affordable coverage
We just showed you some good ideas how you can compare Honda Ridgeline insurance prices in Milwaukee. It’s most important to understand that the more price quotes you have, the higher your chance of finding the cheapest Honda Ridgeline rate quotes. Consumers may even find the biggest savings come from a lesser-known regional company.
Affordable Honda Ridgeline insurance in Milwaukee can be purchased online and from local agencies, and you should compare rates from both in order to have the best chance of saving money. Some insurance companies may not have online quoting and most of the time these small insurance companies sell through independent insurance agencies.
Insureds switch companies for many reasons like high prices, policy non-renewal, not issuing a premium refund or even denial of a claim. Regardless of your reason for switching companies, choosing a new insurance company is not as difficult as it may seem.
For more information, take a look at the articles below:
- Prom Night Tips for Teen Drivers (State Farm)
- How Much are Car Insurance Rates for Used Cars in Milwaukee? (FAQ)
- What Auto Insurance is Cheapest for 17 Year Olds in Milwaukee? (FAQ)
- How Much are Auto Insurance Quotes for Electric Cars in Milwaukee? (FAQ)
- Who Has Cheap Milwaukee Car Insurance Rates for Welfare Recipients? (FAQ)
- Who Has Cheap Car Insurance Quotes for Uninsured Drivers in Milwaukee? (FAQ)
- What Car Insurance is Cheapest for a Subaru Forester in Milwaukee? (FAQ)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Collision Coverage (Liberty Mutual)