Shockingly, a large majority of consumers kept their coverage with the same car insurance company for at least the last four years, and almost half have never shopped around. Irvine consumers could save themselves roughly 35% a year, but they don’t want to take the time to do a rate comparison.
The best way we recommend to get cheaper car insurance rates in Irvine is to start comparing prices regularly from insurers in California.
- Read about how companies set rates and the modifications you can make to prevent expensive coverage. Many rating factors that cause high rates like accidents, traffic tickets, and an imperfect credit score can be rectified by making minor driving habit or lifestyle changes. Read the full article for more details to get lower rates and find overlooked discounts.
- Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes from many different companies.
- Compare the quotes to the price on your current policy to determine if switching companies saves money. If you can save some money and decide to switch, verify that coverage does not lapse between policies.
The key thing to remember is to try to compare identical coverage information on each quote request and and to analyze as many auto insurance providers as possible. Doing this enables a fair rate comparison and and a good selection of different prices.
If you’re already insured or are just looking to switch companies, you can follow these tips to cut your premiums while maximizing coverage. Quoting and comparing the lowest cost insurance policy in Irvine is not as difficult as people think. Smart buyers just have to learn the quickest way to find the lowest price online.
The most recommended method to compare car insurance rates for Acura RLX insurance in Irvine is to realize all the major auto insurance companies participate in a system to provide you with free rate quotes. The only thing you need to do is give the companies some data including coverage limits, your credit rating estimate, if the car is leased, and if you have a valid license. Those rating factors is instantly provided to many different companies and they provide comparison quotes quickly.
If you would like to start a quote now, click here and find out if you can get cheaper insurance in Irvine.
The providers in the list below have been selected to offer price quotes in California. To buy the best cheap auto insurance in California, we recommend you compare several of them to get a more complete price comparison.
How Car Insurance Companies Calculate Acura RLX Insurance Prices
Many factors are taken into consideration when you get a price on insurance. Some are pretty understandable such as your driving record, although others are not as apparent like your continuous coverage or your commute time. A large part of saving on car insurance is knowing some of the factors that aid in calculating your premiums. When consumers understand what impacts premium levels, this enables you to make decisions that could help you find better car insurance rates.
The list below includes a few of the “ingredients” utilized by car insurance companies to help set your rate level.
Your address can influence costs – Living in small towns and rural areas can be a good thing when insuring your vehicles. Less people living in that area means fewer accidents and a lower car theft rate. Urban drivers have more aggressive driving styles and more time behind the wheel. The longer drive time statistically corresponds to a higher accident and claim rate.
Getting married equates to better prices – Your spouse may earn you lower rates when shopping for car insurance. Marriage generally demonstrates drivers are more financially stable and it’s statistically proven that married drivers tend to have fewer serious accidents.
Safer cars cost less to insure – Safer cars cost less to insure. The safest vehicles reduce the chance of injuries and any reduction in injury severity translates into savings for insurance companies and lower rates for you.
Liability insurance limits on your policy – A critical coverage on your policy, liability insurance is the coverage that protects you if you are found to be at fault for causing personal injury or damage in an accident. Your policy’s liability insurance provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so buy as much as you can afford.
Vocation reflects on premiums – Occupations like judges, airline pilots, and medical professionals usually pay higher premium rates because of intense work requirements and long work hours. On the other hand, careers such as scientists, historians and the unemployed pay lower than average rates.
Premiums drop with age – More mature drivers are proven to be safer behind the wheel, are lower risk to insure, and tend to be get fewer driving tickets. Inexperience drivers are known to be inattentive in a vehicle so they pay higher car insurance rates.
Annual miles impacts rates – Driving a lot of miles each year the more you will pay for car insurance. Almost all companies price each vehicle’s coverage based on how the vehicle is used. Autos that sit idle most of the time receive better premium rates than those used for commuting. Make sure your car insurance policy is rated on how each vehicle is driven. Improper usage on your RLX is throwing money out the window.
Insurance losses for an Acura RLX – Insurance companies include the past claim history for a vehicle when determining insurance rates. Models that statistically have higher loss trends will have a higher cost to insure.
The table below demonstrates the insurance loss data used by companies for Acura RLX vehicles. For each policy coverage type, the claim amount for all vehicles, regardless of manufacturer or model, is equal to 100. Values below 100 mean the vehicle has better than average losses, while numbers above 100 indicate more frequent losses or tendency to have higher losses.
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Acura RLX 4dr||128||63||179||82|
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Protect your Acura vehicle and other assets
Even though it can be expensive, paying for insurance is required in California but it also protects you in many ways.
First, the majority of states have compulsory liability insurance requirements which means the state requires a minimum amount of liability insurance if you don’t want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you took out a loan on your RLX, more than likely the lender will require you to have full coverage to ensure they get paid if you total the vehicle. If the policy lapses, the bank will be required to insure your Acura for a lot more money and force you to pay for the expensive policy.
Third, insurance preserves 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. Liability coverage, the one required by state law, also pays expenses related to your legal defense in the event you are sued. If your vehicle suffers damage from an accident or hail, your policy will pay all costs to repair after the deductible has been paid.
The benefits of having insurance more than offset the price you pay, particularly if you ever have a claim. As of last year, the average driver in California is overpaying over $800 each year so you should quote and compare rates at every renewal to make sure the price is not too high.