Save Money on Acura RDX Insurance in Irvine

Insurance for Acura RDXRemarkably, a study showed that nearly 70% of California drivers kept buying from the same company for more than four years, and approximately 40% of consumers have never even shopped around for cheap coverage. The average driver in the U.S. can cut their rates by about $850 a year by just shopping around, but most just don’t grasp the rate savings if they switch to a new company.

If saving the most money is your goal, then the best way to find affordable auto insurance rates in Irvine is to regularly compare prices from providers who provide auto insurance in California.

A crucial key to this process is that you use identical deductibles and limits on every price quote and and to get prices from as many different companies as possible. Doing this provides a fair price comparison and many rates to choose from.

Companies offering Acura RDX insurance in California

The companies shown below offer price comparisons in Irvine, CA. If your goal is to find cheap car insurance in California, it’s highly recommended you visit several of them in order to find the lowest rates.

Coverage analysis

The premium table below covers different coverage costs for Acura RDX models. Being aware of how insurance premiums are established can assist in making smart choices when purchasing an auto insurance policy.

Acura RDX Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $342 $576 $376 $22 $112 $1,428 $119
RDX AWD $342 $576 $376 $22 $112 $1,428 $119
RDX Technology Package 2WD $386 $678 $376 $22 $112 $1,574 $131
RDX Technology Package AWD $386 $678 $376 $22 $112 $1,574 $131
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Price information does not factor in specific garaging location which can revise insurance rates significantly.

Deductible analysis

When buying insurance, a common question is which deductibles should you choose. The figures shown below can help show the cost difference when you buy lower versus higher deductibles. The first pricing table uses a $100 deductible and the second price table uses a $1,000 deductible.

Acura RDX insurance 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 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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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Information does not factor in specific Irvine garaging location which can alter coverage prices considerably.

Using the data above, we can ascertain that using a $100 deductible costs about $47 more each month or $564 a year across all Acura RDX models 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 tend to have at least 19 months between claims, you would probably be better off if you choose the higher deductible.

How to calculate when to raise deductibles

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 important caveat is that a higher deductible level results in a higher out-of-pocket expense when you do file a claim. That will require enough money put aside in the event you need to pay the higher deductible in order to repair your vehicle.

The example below illustrates how your choice of deductibles and can affect Acura RDX premium costs for different age categories. The premiums are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.

Driving violations and accidents

The illustration below highlights how traffic violations and accidents influence Acura RDX premium costs for different age groups. The premiums are based on a single male driver, full coverage, $100 deductibles, and no discounts are applied.

Difference between full coverage and liability only rates

The information below shows the difference between Acura RDX insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no violations or claims, $100 deductibles, drivers are not married, and no other discounts are factored in.

When to drop comprehensive and collision coverage

There isn’t a written rule to drop physical damage insurance, but there is a general guideline. If the annual cost of coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s say your Acura RDX settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $4,000 after paying the physical damage deductible. If premium cost is more than $400 a year to have full coverage, then you might want to consider buying only liability coverage.

There are a few cases where eliminating full coverage is not financially feasible. If you still owe a portion of the original loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.

How to Lower Your Insurance Prices

The best way to find cheaper car insurance is to take a look at a few of the rating criteria that are used to determine car insurance rates. When consumers understand what determines base rates, this helps enable you to make changes that may reward you with cheaper rates.

The factors shown below are most of the major factors used by insurance companies to determine your rate level.

Don’t overlook these Acura RDX insurance discounts

Some insurers don’t always list all discounts in a way that’s easy to find, so the list below gives a summary of some of the more common and the harder-to-find discounts you could be receiving when you buy Irvine car insurance online.Car insurance discounts

A quick disclaimer, most discount credits are not given to the entire cost. Most only cut individual premiums such as physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, you aren’t that lucky.

The example below compares Acura RDX insurance prices with and without discounts applied to the policy rates. The premiums assume a female driver, no accidents or driving violations, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, multi-policy, safe-driver, marriage, and homeowner discounts applied.

Some companies that may offer quotes with most of the discounts above may include but are not limited to:

If you need affordable Acura RDX insurance quotes, ask each company or agent how you can save money. Some of the earlier mentioned discounts might not be offered on policies in your state. To see insurers who offer online Acura RDX insurance quotes in California, follow this link.

Local Irvine insurance agents

Many drivers would prefer to visit with an insurance agent and often times that is recommended An additional benefit of comparing rates online is that drivers can save money and get lower prices and still choose a local agent.

Upon completion of this form (opens in new window), your information is instantly submitted to participating agents in Irvine who will gladly provide quotes and help you find cheaper coverage. It makes it easy because there is no need to contact any insurance agencies since price quotes are sent to you. Get lower rates and work with a local agent. If you have a need to compare prices from one company in particular, feel free to search and find their rate quote page and give them your coverage information.

Choosing the best insurance company should include more criteria than just the premium amount. The answers to these questions are important, too.

If you are searching for an insurance agent, it can be helpful to understand the types of insurance agents to choose from. Agencies in Irvine can be categorized as either exclusive or independent (non-exclusive).

Exclusive Agencies

Agents that elect to be exclusive have only one company to place business with like State Farm or Allstate. Exclusive agencies are unable to place coverage with different providers so if the price isn’t competitive there isn’t much they can do. These agents are usually well trained on the products they sell which helps offset the inability to provide other markets. A lot of people buy from exclusive agents primarily because of the brand name and solid financial strength.

Shown below are Irvine exclusive agents that can give you rate quotes.

More insurance agents

Independent Agents

Independent insurance agents do not have single company limitations and that is an advantage because they can write policies amongst many companies enabling the ability to shop coverage around. If your premiums go up, the business is moved internally and the insured can keep the same agent.

When comparing rates, you absolutely need to compare prices from independent agents for the best price selection. They often place coverage with lesser-known insurance companies which could offer lower prices.

Shown below are Irvine independent insurance agencies who can help you get price quote information.

More insurance agents

If you feel you receive good responses and a low price estimate, you may have found a car insurance agent that is a good match to provide auto insurance coverage.

Auto insurance companies ranked

Buying coverage from the right insurance provider can be rather challenging considering how many different insurance companies sell coverage in California. The company ratings displayed below can help you decide which car insurance providers you want to consider purchasing from.

Irvine, California Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

One last thing about your coverage

As you shop your coverage around, don’t be tempted to buy less coverage just to save a little money. In too many instances, someone sacrificed uninsured motorist or liability limits and discovered at claim time that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

We just presented some good ideas how you can get a better price on Acura RDX insurance in Irvine. The key thing to remember is the more providers you compare, the better chance you’ll have of finding low cost Irvine car insurance quotes. Consumers may even find the best car insurance rates are with an unexpected company.

Drivers switch companies for a number of reasons such as extreme rates for teen drivers, lack of trust in their agent, unfair underwriting practices or even questionable increases in premium. Whatever your reason, finding a new auto insurance company is less work than it seems.

Additional information can be found on the following sites: