What form is used usually depends on what the speaker wants to say. "I ride" is probably a statement about a person's tendencies or habits. "I am riding" is present progressive. It is a statement about what the person is doing at that moment.How can I explain students how to select a specific form of verb to use, that is, whether to respond in present (I ride) or gerund (I am riding)?
"I rode" is simple past. "I had ridden" is past perfect. They require different contexts.Same with past (I rode) or past participle (I had ridden)?
Use sample sentences. That's always helpful, especially if you put them in context.