Best Ways to Save on Los Angeles Acura RDX Insurance

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Want to learn how to buy low-cost Acura RDX insurance in Los Angeles? Finding cheap prices for Acura RDX insurance in Los Angeles is very difficult for drivers new to shopping for insurance online. There are so many options available that it can turn into a real difficult job to find better rates on Acura RDX insurance.

Insurance quote for Acura RDX in Los AngelesIt's easy to assume that car insurance companies want to prevent you from shopping around. Consumers who shop around for cheaper price quotes are inclined to buy a new policy because there is a great chance of finding a policy with more affordable rates. A recent survey discovered that consumers who compared rates regularly saved $860 a year compared to those who never shopped around.

If finding the most affordable car insurance is your target objective, then learning about the best ways to find and compare auto insurance can help simplify the task of finding more affordable coverage.

We hope to instruct you on how to effectively get price quotes and how you can save the most money. If you are paying for car insurance now, you will most likely be able to get lower rates using the ideas you're about to read. But California consumers can benefit from knowing how big insurance companies price insurance differently because it varies considerably.

When shopping for the cheapest Acura RDX rate quotes, there are a couple of ways to compare prices from lots of California insurance companies. The recommended way to find the lowest Acura RDX rates is to perform an online rate comparison. It's important to know that comparing more prices increases the chance that you will find a lower rate than you're paying now. Not every company allows you to get Los Angeles RDX insurance quotes over the internet, so it's important to compare prices from the smaller companies as well.

The following companies are ready to provide price quotes in California. If multiple companies are shown, it's highly recommended you visit as many as you can to get the best price comparison.

Take advantage of these five rate reducing discounts

Not many people think insurance is cheap, but you may find discounts that may help make it more affordable. A few discounts will automatically apply when you quote, but some need to be specially asked for before they will apply.Cheaper car insurance with discounts

  • Discount for Swiching Early - Some companies provide a discount for renewing your policy before your current expiration date. You may see this discount when you get Los Angeles auto insurance quotes online.
  • Senior Citizen Rates - Older drivers could receive lower premium rates.
  • Theft Deterrent Discount - Cars equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
  • Accident Forgiveness Coverage - This one isn't a discount, but companies like Allstate, Progressive, and GEICO permit an accident before they charge you more for coverage as long as you don't have any claims for a certain period of time.
  • Payment Method - If you pay your bill all at once instead of making monthly payments you may reduce your total bill.

Discounts lower rates, but most discounts do not apply to your bottom line cost. Most cut individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, nobody gets a free ride. But all discounts will help lower your overall premium however.

The diagram below illustrates the comparison of Acura RDX insurance rates with and without discounts applied. The rate quotes are based on a female driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, safe-driver, multi-car, marriage, and multi-policy discounts applied.

Popular car insurance companies and some of their more popular discounts can be read below.

  • The Hartford may offer discounts for air bag, good student, vehicle fuel type, bundle, defensive driver, and anti-theft.
  • American Family discounts include TimeAway discount, air bags, bundled insurance, Steer into Savings, multi-vehicle, and good driver.
  • Progressive offers discounts for continuous coverage, good student, online quote discount, homeowner, and multi-policy.
  • Travelers may have discounts that include new car, student away at school, payment discounts, good student, hybrid/electric vehicle, and early quote.
  • Farmers Insurance offers discounts including good student, youthful driver, multi-car, electronic funds transfer, business and professional, switch companies, and alternative fuel.
  • USAA includes discounts for multi-policy, driver training, loyalty savings, military installation, and family discount.
  • Liberty Mutual policyholders can earn discounts including multi-car, new graduate, good student, hybrid vehicle, multi-policy, and newly married.

Double check with every prospective company which discounts can lower your rates. A few discounts may not apply in Los Angeles. To find companies that have a full spectrum of discounts in Los Angeles, click here.

Premium rates and analysis

The information below covers different insurance policy prices for Acura RDX models. Being aware of how rate quotes are determined is important for you to make smart choices when buying a car insurance policy.

Acura RDX Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $278 $464 $376 $22 $112 $1,252 $104
RDX AWD $278 $464 $376 $22 $112 $1,252 $104
RDX Technology Package 2WD $314 $546 $376 $22 $112 $1,370 $114
RDX Technology Package AWD $314 $546 $376 $22 $112 $1,370 $114
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Table data does not factor in specific garaging location which can lower or raise premiums considerably.

Analysis of deductible levels

A question often asked by Los Angeles drivers is at what level do you set your deductibles. The tables below can help show how much more you'll pay of buying low and high deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.

Acura RDX insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $380 $686 $376 $22 $112 $1,601 $133
RDX AWD $380 $686 $376 $22 $112 $1,601 $133
RDX Technology Package 2WD $430 $810 $376 $22 $112 $1,775 $148
RDX Technology Package AWD $430 $810 $376 $22 $112 $1,775 $148
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Acura RDX insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $210 $362 $376 $22 $112 $1,082 $90
RDX AWD $210 $362 $376 $22 $112 $1,082 $90
RDX Technology Package 2WD $238 $426 $376 $22 $112 $1,174 $98
RDX Technology Package AWD $238 $426 $376 $22 $112 $1,174 $98
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate information does not factor in Los Angeles location which can raise or lower coverage rates considerably.

Using the premium rates above, we can conclude that using a $100 deductible will cost you about $47 more each month or $564 annually than requesting the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you average at least 19 months between claim filings, you would more than likely save some money by selecting a higher deductible. Here's a better example of how you can decide this on your own policy.

Average monthly premium for $100 deductibles: $141
Average monthly premium for $1,000 deductibles (subtract): - $94
Monthly savings from raising deductible: $47
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $47
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One thing to be aware of is that increasing deductibles to lower your rates means you will have to pay more out-of-pocket if you have a claim. That will necessitate enough money put aside in the event you need to pay the deductible to have repairs made.

Rate comparison of full coverage and liability-only

The chart below shows the difference between Acura RDX insurance premiums with and without physical damage coverage. The premium estimates are based on no claims or violations, $500 deductibles, drivers are single, and no additional discounts are factored in.

Should you be buying full coverage?

There is no set rule that works best for making the decision to drop comp and collision coverage, but there is a general school of thought. If the yearly cost of full coverage is more than 10% of the vehicle's replacement cost less your deductible, then it could be time to drop full coverage.

For example, let's say your Acura RDX claim settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $8,000 after you pay the deductible. If it's costing you more than $800 a year to have full coverage, then you may need to consider dropping full coverage.

There are some scenarios where removing full coverage is not a good plan. If you still owe money on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

What if I want to buy from local Los Angeles insurance agents?

Many people prefer to get professional advice from a licensed agent and that is a personal choice. The biggest benefit of comparing auto insurance online is you can get better rates and still choose a local agent. Buying from and supporting small agencies is still important in Los Angeles.

Upon completion of this simple form, your insurance data is immediately sent to companies in Los Angeles that can give you free Los Angeles auto insurance quotes for your insurance coverage. There is no need to contact any insurance agencies because prices are sent to your email. You can find better rates and work with a local agent. If you wish to get a rate quote from a specific insurance company, you just need to visit that company's website and submit a quote form there.

Two different types of car insurance agents

When narrowing the list to find a reputable insurance agent or broker, there are two different types of agents that you can select. Auto insurance agencies are classified as either independent (non-exclusive) or exclusive.

Independent Agents

Agents in the independent channel do not have single company limitations and that enables them to quote your coverage with an assortment of companies and find the cheapest auto insurance rates. If they quote lower rates, they simply switch companies in-house which makes it simple for you.

If you are comparing auto insurance prices, you will want to contact multiple independent agents to get the best comparison. Most have the option of insuring with smaller mutual companies that many times have cheaper rates.

Featured below are independent insurance agents in Los Angeles that may be able to provide free price quotes.

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Exclusive Insurance Agencies

Exclusive insurance agents can usually just insure with one company such as AAA, Allstate, and State Farm. Exclusive agents cannot provide other company's prices so they are skilled at selling on more than just price. They are very knowledgeable on their company's products which helps offset the inability to provide other markets. Consumers sometimes use the same agent mainly due to high brand loyalty and the convenience of having all coverages with one company.

Shown below are exclusive insurance agencies in Los Angeles willing to provide comparison quotes.

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Choosing the best car insurance agent should include more criteria than just a cheap quote. Any good agent in Los Angeles should know the answers to these questions.

  • Where would your vehicle be repaired?
  • What discounts might you be missing?
  • What company do they have the most business with?
  • Is coverage determined by price?
  • How will an accident affect your rates?
  • Do they feel the quoted coverages are adequate?
  • Will their companies depreciate repairs to your car based on the mileage?

Specific coverages for an Acura RDX

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability auto insurance - This can cover damage or injury you incur to people or other property in an accident. It protects you from legal claims by others. Liability doesn't cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 15/30/5 which means a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and a limit of $5,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things such as structural damage, loss of income and court costs. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford. California requires minimum liability limits of 15/30/5 but you should consider buying better liability coverage.

The next chart shows why buying the state minimum limits may not provide you with enough coverage.

Comprehensive insurance - This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, theft, damage from flooding, hitting a bird and a broken windshield. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP) - Med pay and PIP coverage pay for immediate expenses such as ambulance fees, hospital visits, X-ray expenses, nursing services and dental work. They are often used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision - Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sustaining damage from a pot hole, hitting a parking meter and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. It's also possible to increase the deductible on your RDX to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) - Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Acura RDX.

Due to the fact that many California drivers only carry the minimum required liability limits (California limits are 15/30/5), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

One last thing about your coverage

We covered many tips how you can shop for Acura RDX insurance online. The most important thing to understand is the more rate quotes you have, the higher your chance of finding cheaper Los Angeles auto insurance quotes. You may even be surprised to find that the lowest prices come from the smaller companies.

Some insurance providers may not have online rate quotes and most of the time these regional carriers work with independent agents. The cheapest Acura RDX insurance in Los Angeles is possible on the web as well as from insurance agents, and you should compare price quotes from both so you have a total pricing picture.

When buying insurance coverage, do not skimp on coverage in order to save money. Too many times, someone dropped liability limits or collision coverage and found out when filing a claim that they should have had better coverage. Your objective should be to get the best coverage possible at a price you can afford, but do not sacrifice coverage to save money.

Much more information about auto insurance in California is available below: