The preferred way to find low-cost prices for Acura RDX insurance is to do an annual price comparison from companies that insure vehicles in Sacramento.
First, spend a few minutes and learn about policy coverages and the factors you can control to drop your rates. Many risk factors that result in higher rates such as traffic citations and a lousy credit rating can be eliminated by being financially responsible and driving safely. Continue reading for instructions to find cheap rates and get additional discounts.
Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from one company like Progressive or State Farm, while independent agents can provide price quotes for a wide range of insurance providers.
Third, compare the new rates to the premium of your current policy to determine if switching companies saves money. If you can save some money and make a switch, ensure there is no coverage lapse between policies.
The most important part of this process is to make sure you’re comparing similar coverage information on every quote and and to get prices from every company you can. Doing this guarantees an apples-to-apples comparison and the best price quote selection.
We don’t have to tell you that car insurance companies don’t want customers comparing rates. People who shop for lower prices will, in all likelihood, move their business because of the good chance of finding lower prices. A study discovered that consumers who did price comparisons regularly saved on average $860 a year compared to those who never shopped around for cheaper prices.
If finding the best price on Acura RDX insurance in Sacramento is your ultimate objective, then knowing how to shop and compare insurance can make it easier to shop your coverage around.
Buying the cheapest insurance in Sacramento is actually quite easy if you know where to start. If you have insurance now, you will most likely be able to reduce the price you pay using this strategy. Vehicle owners just have to know the quickest way to compare prices from many different companies.
The majority of larger companies such as State Farm, GEICO and Progressive make it easy to get insurance quotes on their websites. Getting quotes for Acura RDX insurance in Sacramento is pretty painless because it’s just a matter of typing in your required coverages as detailed in the form. After the form is submitted, the company’s rating system will order reports for credit and driving violations and returns pricing information.
This makes it easy to compare insurance prices and it’s absolutely necessary to do this if you want to get the best rate on insurance.
To compare rates now, take a look at the companies shown below. If you have your current policy handy, we recommend that you enter the insurance coverages just like they are on your policy. This helps ensure you will get comparison quotes based on the exact same insurance coverage.
The companies in the list below have been selected to offer price comparisons in Sacramento, CA. If you wish to find the cheapest auto insurance in California, it’s a good idea that you compare several of them in order to find the lowest rates.
Lower rates by qualifying for these seven discounts
Some companies don’t always list their entire list of discounts very clearly, so below is a list a few of the more common as well as some of the hidden credits that you can use to lower your rates. If you’re not getting every credit available, you’re just leaving money on the table.
- Accident Forgiveness – This isn’t a discount exactly, but companies like State Farm and Progressive may permit one accident without getting socked with a rate hike with the catch being you have to be claim-free for a certain period of time.
- Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen with less frequency and will save you 10% or more on RDX insurance in Sacramento.
- Employee of Federal Government – Employees or retirees of the government can save as much as 8% depending on your company.
- Distant Student – Youth drivers who attend college more than 100 miles from Sacramento and do not take a car to college can be insured at a reduced rate.
- Multiple Policy Discount – If you insure your home and vehicles with one company you may save 10% to 20% off each policy.
- Payment Discounts – If you pay your bill all at once rather than paying monthly you could save 5% or more.
- Discount for New Cars – Insuring a new RDX can cost up to 25% less because newer models are generally safer.
One last thing about discounts, most discounts do not apply to the entire cost. Most cut the cost of specific coverages such as comp or med pay. Despite the appearance that having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.
The example below compares Acura RDX insurance costs with and without discounts applied to the rates. The information is based on a male driver, no violations or accidents, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, multi-car, marriage, homeowner, and safe-driver discounts applied.
To view companies who offer free Acura RDX insurance quotes in California, click this link.
Insurance coverage analysis
The data table below highlights a range of policy rates for Acura RDX models. Learning how rate quotes are figured is important to be able to make informed decisions when comparing rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|RDX Technology Package 2WD||$476||$996||$508||$30||$152||$2,162||$180|
|RDX Technology Package AWD||$476||$996||$508||$30||$152||$2,162||$180|
|Get Your Own Custom Quote Go|
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Price information does not factor in specific zip code location which can influence insurance rates greatly.
The chart below highlights how deductible selection and can affect Acura RDX insurance prices for different insured age categories. The data is based on a married male driver, full physical damage coverage, and no additional discounts are factored in.
Rate increases following a ticket or accident
The example below shows how traffic citations and accidents can influence Acura RDX insurance costs for different insured age categories. The premiums assume a married female driver, full coverage, $100 deductibles, and no policy discounts are applied.
Insurance agent or online?
Certain consumers still prefer to buy from a licensed agent and that is a smart decision Most agents are trained risk managers and help you file claims. The best thing about comparing insurance online is you may find cheaper prices and also buy local.
To help locate an agent, after submitting this short form, your coverage information is emailed to companies in Sacramento that can give you free Sacramento auto insurance quotes to get your business. There is no need to find an agent on your own due to the fact that quote results will go to your email. If you want to get a price quote from a specific company, don’t hesitate to jump over to their website and complete a quote there.
Selecting an insurer needs to be determined by more than just the price. Before buying a policy in Sacramento, get answers to these questions.
- Is working in the agency their full-time job?
- What company do they have the most business with?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- What kind of financial rating does the company have?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Is the coverage adequate for your vehicle?
- Can you use your own choice of collision repair facility?
- How often do they review policy coverages?
What types of car insurance agents are in Sacramento?
If you want a reliable agent, you must know there are a couple types of insurance agents that you can select. Insurance agents in Sacramento are either independent or exclusive. Both handle insurance, but it is a good idea to know the differences since it can affect buying decisions.
Exclusive Insurance Agents
These agents can only quote rates from one company and examples are State Farm, Allstate and AAA. These agents are not able to place coverage with different providers so you might not find the best rates. Exclusive agencies are very knowledgeable on what they offer which can be an advantage. Many people buy from exclusive agents mainly due to the prominent brand name rather than having the cheapest rates.
Below are exclusive agents in Sacramento that are able to give rate quotes.
- GEICO: Vincent Harris
5211 Madison Ave – Sacramento, CA 95841 – (916) 923-5050 – View Map
- Rich Williams – State Farm Insurance Agent
1001 26th St – Sacramento, CA 95816 – (916) 447-8560 – View Map
- Sig Lindley – State Farm Insurance Agent
8110 Pocket Rd #201 – Sacramento, CA 95831 – (916) 428-7370 – View Map
Independent agents are not limited to a single company so they have the ability to put coverage with multiple insurance companies and find the cheapest insurance rates. To transfer your coverage to a different company, an independent agent can move your coverage and you don’t have to switch agencies.
When comparing insurance prices, we highly recommend that you check rates from multiple independent agents to have the most options to choose from. They often place coverage with less well-known companies which may have better rates.
The following are Sacramento independent insurance agencies that can give you price quotes.
- Melissa Saites Nelson Insurance Agency, Inc.
4749 J St – Sacramento, CA 95819 – (916) 531-6061 – View Map
- Bates Insurance Agency | Auto Insurance and Homeowners Insurance and Car Insurance
2306 J St – Sacramento, CA 95816 – (916) 251-3548 – View Map
- Bertolino Insurance Agency
9719 Lincoln Village Dr #409 – Sacramento, CA 95827 – (916) 384-9621 – View Map
If you receive acceptable answers for all questions you ask as well as the cheapest Acura RDX insurance in Sacramento quotes, it’s a good possibility that you have found a car insurance agent that is a good match to service your policy.
Protect your Acura vehicle and other assets
Despite the potentially high cost of Acura RDX insurance, paying for auto insurance serves an important purpose.
- Just about all states have mandatory insurance requirements which means you are required to carry a specific level of liability coverage if you drive a vehicle. 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.
- If you bought your vehicle with a loan, it’s guaranteed your bank will have a requirement that you have physical damage coverage to guarantee payment of the loan. If you let the policy lapse, the lender will be forced to insure your Acura at a more expensive rate and require you to pay the higher price.
- Insurance protects not only your Acura RDX but also your financial assets. Insurance will also pay for medical bills incurred in an accident. Liability coverage will also pay for a defense attorney if you cause an accident and are sued. If your Acura gets damaged, comprehensive and/or collision insurance will cover the repair costs.
The benefits of buying enough insurance are without a doubt worth the cost, particularly if you ever have a claim. An average driver in America is overpaying over $850 per year so shop around at least once a year to save money.
Coverages available on your policy
Understanding the coverages of insurance can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as doctor visits, prosthetic devices, X-ray expenses and surgery. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Liability auto insurance
Liability coverage provides protection from damages or injuries you inflict on other people or property. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 15/30/5 that means you have a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and a total limit of $5,000 for damage to vehicles and property.
Liability coverage pays for claims such as structural damage, medical services and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford. California requires minimum liability limits of 15/30/5 but drivers should carry higher limits.
The illustration below shows why low liability limits may not be enough coverage.
This coverage covers damage to your RDX caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision insurance covers things like crashing into a ditch, backing into a parked car and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible on your RDX in order to get cheaper collision rates.
Comprehensive coverage (or Other than Collision)
This pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims such as falling objects, hail damage, damage from flooding, hitting a bird and damage from getting keyed. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Acura RDX.
Due to the fact that many California drivers carry very low liability coverage limits (which is 15/30/5), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Cheaper car insurance premiums are possible
We just presented many ideas to find cheap Acura RDX insurance in Sacramento. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Consumers may even find the best price on car insurance is with a small local company.
Consumers leave their current company for many reasons like being labeled a high risk driver, policy non-renewal, denial of a claim and even delays in responding to claim requests. It doesn’t matter why you want to switch switching companies can be pretty painless.
Cheaper car insurance in Sacramento is available online and also from your neighborhood Sacramento agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers do not offer online price quotes and usually these smaller providers prefer to sell through independent agents.
More detailed car insurance information is available in the articles below:
- Young Drivers: The High Risk Years Video (iihs.org)
- How Much are Auto Insurance Rates for a 20 Year Old Female in Sacramento? (FAQ)
- Who Has the Cheapest Sacramento Auto Insurance Rates for a Chevrolet Equinox? (FAQ)
- Get the Right Protection (InsureUonline.org)
- Smart Auto Insurance Tips (Insurance Information Institute)