How many times have you told yourself to find cheaper Acura RDX insurance in Phoenix? Scraping up a payment for expensive Acura RDX insurance in Phoenix can stress out your savings and force you to make tough financial choices. Getting a rate comparison can be a smart way to tighten up your finances.
Statistics show that 70% of consumers have remained with the same car insurance company for four years or more, and 38% of customers have never compared rates from other carriers. U.S. insurance shoppers could save $860 every year just by comparing rates, but they just don’t want to compare rate quotes online.
Many insurers vie for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute lowest rate possible on Acura RDX insurance in Phoenix.
Consumers should take time to check car insurance prices periodically because prices change frequently. Even if you think you had the best rate on Acura RDX insurance in Phoenix a couple years back you can probably find a lower rate today. Ignore everything you know about car insurance because we’re going to show you the best way to reduce your cost while increasing coverage.
Auto insurance rates and discounts
The cost of insuring your cars can be expensive, but there could be significant discounts that may help make it more affordable. Some discounts apply automatically when you quote, but less common discounts must be specially asked for prior to getting the savings. If you’re not getting every credit possible, it’s possible you qualify for a lower rate.
- Passive Restraints – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of 20 to 30 percent.
- Fewer Miles Equal More Savings – Maintaining low annual mileage may allow you to get substantially lower auto insurance rates.
- Senior Citizen Rates – Seniors may receive lower premium rates.
- Clubs and Organizations – Being in certain professional organizations may earn a discount when shopping for auto insurance.
- Discounts for Multiple Vehicles – Buying a policy with all your vehicles with the same auto insurance company could earn a price break for each car.
- Discount for Multiple Policies – When you have multiple policies and insure them with the same company they may give you a discount of over 10 percent off each policy depending on the company.
- Theft Deterrent – Cars, trucks, and SUVs that have factory anti-theft systems are stolen less frequently and can earn a small discount on your policy.
Consumers should know that most credits do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like it’s possible to get free car insurance, that’s just not realistic.
A few companies that have these discounts possibly include:
If you want inexpensive Phoenix auto insurance quotes, ask each company or agent to apply every possible discount. A few discounts may not be available everywhere.
First Step: Get free Acura RDX insurance quotes
To get low cost Phoenix auto insurance quotes, there a variety of ways to compare quotes from many insurance companies in Arizona. The simplest method to compare Acura RDX insurance prices consists of obtaining rate quotes online.
Doing price comparisons online is so simple that it takes the place of having to spend time driving to local Phoenix insurance agencies. Buying insurance online reduces the need to sit down with an agent unless you require the peace of mind of a local Phoenix agent. However, consumers can compare the best prices online and get advice from an agent in your area.
Keep in mind that comparing more prices helps you find lower pricing.
The auto insurance companies shown below are our best choices to provide price quotes in Phoenix, AZ. If multiple companies are shown, we recommend you compare several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RDX 2WD | $162 | $324 | $288 | $18 | $86 | $878 | $73 |
| RDX AWD | $158 | $302 | $344 | $20 | $102 | $926 | $77 |
| RDX Technology Package 2WD | $162 | $290 | $254 | $16 | $76 | $798 | $67 |
| RDX Technology Package AWD | $290 | $566 | $344 | $20 | $102 | $1,322 | $110 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Prices do not factor in specific zip code location which can influence coverage prices substantially.
Drive safe and save
The illustration below shows how traffic citations and at-fault claims can raise Acura RDX car insurance costs for different categories of driver ages. The prices are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are factored in.
Male drivers compared to female drivers
The illustration below compares Acura RDX car insurance rates for male and female drivers. The data is based on no tickets, no at-fault accidents, full coverage, $100 deductibles, drivers are single, and no other discounts are factored in.
Are insurance agents obsolete?
Certain consumers would prefer to buy from a local agent and often times that is recommended One of the great benefits of comparing rate quotes online is that you can find better rates and also buy local.
By using this quick form, your coverage information is transmitted to companies in Phoenix that provide free Phoenix auto insurance quotes and help you find cheaper coverage. It makes it easy because there is no need to visit any agencies because quoted prices will be sent directly to you. You can find the lowest rates without the usual hassles of price shopping. In the event you want to compare prices for a specific company, you can always visit that company’s website and fill out the quote form the provide.
Picking an company should depend on more than just a cheap price. Any agent in Phoenix should be forthright in answering these questions:
- If your car is totalled, how to they determine the replacement cost?
- Do the companies they represent have a solid financial rating?
- How long has the business existed?
- Do you qualify for any additional discounts?
- Is every driver in your family covered?
Information about specific coverages
Understanding the coverages of your auto insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most auto insurance policies.
Liability insurance
This can cover damage that occurs to people or other property by causing an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 15/30/10 that means you have $15,000 in coverage for each person’s injuries, a per accident bodily injury limit of $30,000, and a limit of $10,000 paid for damaged property.
Liability coverage pays for claims such as bail bonds, repair bills for other people’s vehicles, medical expenses and emergency aid. How much coverage you buy is up to you, but buy higher limits if possible. Arizona requires drivers to carry at least 15/30/10 but drivers should carry more liability than the minimum.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Acura RDX.
Since a lot of drivers have only the minimum liability required by law (15/30/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.
Comprehensive (Other than Collision)
This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like rock chips in glass, falling objects and hail damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Medical expense insurance
Coverage for medical payments and/or PIP provide coverage for expenses like rehabilitation expenses, nursing services and pain medications. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Collision insurance
Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims like sustaining damage from a pot hole, scraping a guard rail, colliding with another moving vehicle, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible on your RDX in order to get cheaper collision rates.
Shop around and save
Throughout this article, we presented quite a bit of information on how to save on Acura RDX insurance in Phoenix. The key concept to understand is the more you quote Phoenix auto insurance, the better your comparison will be. Consumers may even find the best prices are with the least-expected company. Regional companies often have lower rates on specific markets than the large multi-state companies such as State Farm, GEICO and Nationwide.
When buying insurance coverage, you should never reduce coverage to reduce premium. There have been many cases where drivers have reduced collision coverage only to regret that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find at the best possible price and still be able to protect your assets.
Discount Acura RDX insurance in Phoenix can be purchased from both online companies and from local insurance agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who may not provide online rate quotes and these smaller providers only sell coverage through independent insurance agents.
Additional resources
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- How Much are Auto Insurance Quotes for a Hyundai Santa Fe in Phoenix? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers Over Age 60 in Phoenix? (FAQ)
- Auto Insurance 101 (About.com)
- Side Impact Crash Tests (iihs.org)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Older Driver Statistics (Insurance Information Institute)