Cheapest Insurance for an Acura RDX in Mesa

Are you tired of overpaying and want the cheapest Acura RDX insurance in Mesa? Paying for expensive Acura RDX insurance in Mesa can take a big chunk out of your monthly budget and possibly require postponing other expenditures. Shopping your coverage around is an excellent way to slash your bill and have more diposable income.

It’s a known fact that auto insurance companies want to prevent you from shopping around. Consumers who shop around for the cheapest rate will probably switch companies because of the high probability of finding a lower-cost company. A survey found that drivers who faithfully checked for cheaper rates saved as much as $3,400 over four years as compared to drivers who don’t regularly compare prices.

If finding the lowest price for Acura RDX insurance in Mesa is your target objective, then learning a little about how to shop and compare coverage rates can help simplify the task of finding more affordable coverage.

Steps to finding better rates for Acura RDX insurance in Mesa

The preferred way to get the cheapest car insurance rates in Mesa is to do an annual price comparison from companies in Arizona. You can compare rates by following these guidelines.

• Step 1: Learn about the different coverages in a policy and the things you can control to prevent rate increases. Many things that cause rate increases like accidents, traffic tickets, and a bad credit rating can be controlled by making minor driving habit or lifestyle changes.
• Step 2: Request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO or Allstate, while independent agencies can provide prices for a wide range of companies.
• Step 3: Compare the price quotes to the premium of your current policy to see if switching to a new carrier will save money. If you can save some money and make a switch, ensure there is no coverage lapse between policies.
• Step 4: Give proper notification to your current agent or company of your intent to cancel the current policy. Submit a down payment along with a signed application to the new insurer. Once the paperwork is finalized, put the new certificate verifying coverage in an easily accessible location in your vehicle.

One bit of advice is to try to compare the same deductibles and limits on each price quote and and to get rate quotes from every insurance company. This provides an accurate price comparison and a complete price analysis.

Because there are so many choices for buying cheaper insurance for an Acura RDX in Mesa, it can be impossible to find the most affordable car insurance provider.

The most recommended method to get rate comparisons for Acura RDX insurance in Mesa is to realize all the major auto insurance companies will pay a fee to provide you with a free rate quote. To start a quote, the only thing you need to do is provide a small amount of information such as how old drivers are, coverage limits, how many miles driven, and whether the vehicles are used for commuting. Those rating factors is instantly submitted to multiple companies and you get price estimates immediately.

To compare cheap Acura RDX insurance rates now, click here and complete the quick form.

The following companies offer quotes in Mesa, AZ. If multiple companies are listed, we recommend you compare several of them to get the most affordable price.

Facts and figures for Acura RDX insurance

The premium information shown below outlines a range of insurance policy prices for Acura RDX models. Learning how rates are determined can be valuable when making informed decisions.

Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Premium amounts do not factor in Mesa location which can influence coverage rates substantially.

Auto insurance deductibles

One of the more difficult decisions when buying auto insurance is how high should the deductibles for physical damage be. The figures shown below determine the differences in price when you choose different insurance deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second rate table uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Table data does not factor in specific location information which can decrease or increase premiums substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $13 more each month or $156 a year across all Acura RDX models than buying the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have more than 19 months between claim filings, you would probably come out ahead if you decide on a higher deductible.

The example below shows how choosing a deductible and can increase or decrease Acura RDX insurance premiums for each age group. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.

Buying the right RDX insurance in Arizona is an important decision

Despite the high insurance cost for a Acura RDX in Mesa, auto insurance is not optional due to several reasons.

First, just about all states have compulsory liability insurance requirements which means the state requires a specific minimum amount of liability protection if you want to drive legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a lien on your car, most banks will force you to have insurance to guarantee their interest in the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Acura at a much higher premium rate and force you to reimburse them for it.

Third, auto insurance protects both your car and your personal assets. It will also provide coverage for medical expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.

The benefits of having insurance greatly outweigh the cost, especially for larger claims. Unknowingly, the average driver is overpaying over $810 a year so compare rate quotes at every policy renewal to be sure current rates are still competitive.

Acura RDX Insurance Premium Factors

Multiple criteria are used when you quote your car insurance policy. Some factors are common sense such as your driving record, but some are more transparent such as whether you are married or how safe your car is.

Save miles driven and save money – Driving a lot of miles each year the more you’ll pay to insure it. The majority of insurers rate vehicles based on their usage. Autos left parked in the garage receive lower rates than those that get driven frequently. Verify your declarations sheet reflects the correct usage. An incorrectly rated RDX is throwing money out the window.

Insurance rates and your occupation – Careers such as judges, architects, and financial analysts generally pay the highest average rates due to job stress and incredibly demanding work hours. On the other hand, jobs such as farmers, historians and the unemployed generally pay rates lower than average.

Responsible credit equals lower rates – An insured’s credit rating will be a significant factor in determining premium rates. Consumers who have excellent credit tend to be more responsible as compared to drivers with poor credit. Therefore, if your credit score is lower than you’d like, you may save money insuring your Acura RDX by improving your rating.

Liability protection limits are a factor – The liability section of your policy is the protection in the event that you are found to be at fault for causing personal injury or damage in an accident. It will provide you with a defense in court starting from day one. Liability insurance is pretty cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.

Do you really need to file those insurance claims? – Insurance companies in Arizona generally give better rates to drivers who do not rely on their insurance for small claims. If you are the type of insured that files lots of claims you can expect increased rates or even have your policy non-renewed. Your insurance policy is designed for major claims that would cause financial hardship.

Being married equates to better costs – Having a significant other may save some money on your insurance bill. It may mean you are more stable financially and it’s proven that drivers who are married file infrequent claims.

Prices may be higher where you live – Being located in areas with lower population has definite advantages when buying insurance. People in densely populated areas regularly have more auto accidents and much longer commute distances. Lower population means less chance of accidents and lower theft and vandalism rates.

Insurance rates and age – Inexperience drivers are statistically proven to get distracted easily in a vehicle so insurance rates are higher. Older, more experienced drivers have been proven to be more responsible, file fewer claims, and are safer drivers.

The following data uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.

Loss statistics for an Acura RDX – Insurance companies analyze claim trends for every vehicle as a way to help calculate a profitable premium rate. Models that the data determines to have high amounts or severity of claims will have higher premium rates.

The data below shows the insurance loss data for Acura RDX vehicles. For each coverage type, the statistical loss for all vehicles combined as an average is a value of 100. Numbers that are below 100 suggest a positive loss record, while numbers that are greater than 100 indicate higher probability of having a loss or larger claims.

Affordable Mesa auto insurance rates with discounts

Car insurance can cost a lot, but you might already qualify for some discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically when you quote, but a few need to be manually applied before you will receive the discount.

• Air Bag Discount – Factory air bags or motorized seat belts could see savings of more than 20%.
• E-sign Discounts – A few larger online companies may give you up to $50 simply for signing digitally online.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education as it can save substantially.
• Anti-lock Brakes – Vehicles that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
• More Vehicles More Savings – Insuring primary and secondary vehicles on the same auto insurance policy can reduce the rates for all insured vehicles.
• Pay Early and Save – By paying your policy upfront rather than spreading payments over time you can actually save on your bill.
• One Accident Forgiven – Not a discount per se, but certain companies allow you one accident before they charge you more for coverage if you are claim-free for a particular time prior to the accident.
• Bundle and Save – If you can combine your home and auto policy and insure them with the same company you could earn a discount of approximately 10% to 15%.
• Include Life Insurance and Save – Not all auto insurance companies offer life insurance, but some may give you a lower rate if you buy a life policy as well.
• Driver Training Discounts – Participating in a class that teaches defensive driving techniques could save 5% or more and easily recoup the cost of the course.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way. But all discounts will help reduce your auto insurance premiums.

The information below illustrates the comparison of Acura RDX yearly insurance costs with and without discounts. The premiums are based on a male driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, multi-car, marriage, homeowner, and safe-driver discounts applied.

Auto insurance companies who may offer these benefits include:

• Farm Bureau
• MetLife
• Progressive
• AAA
• American Family
• GEICO
• State Farm

When getting free Mesa car insurance quotes, it’s a good idea to all companies you are considering the best way to save money. Some discounts may not be offered in Mesa. To see companies that offer some of these discounts in Arizona, follow this link.

What if I want to buy from local Mesa insurance agents?

Many drivers just want to visit with an insurance agent. Agents will help you protect your assets and give you someone to call. The biggest benefit of comparing rate quotes online is the fact that drivers can get the lowest rates and still choose a local agent.

To help locate an agent, after submitting this simple form, your insurance data is submitted to companies in Mesa that provide free Mesa car insurance quotes for your insurance coverage. There is no need to search for an agent because quoted prices will be sent immediately to you. If you wish to quote rates for a specific company, don’t hesitate to search and find their rate quote page and fill out their quote form.

Finding a good insurance company should depend on more than just a cheap quote. Any agent in Mesa should be forthright in answering these questions:

• Is the quote a firm price?
• Does the agency have a current Errors and Omissions policy?
• Do they get extra compensation for selling add-on coverages?
• How experienced are they in personal risk management?
• What are their preferred companies if they are an independent agency?
• Do they have any clout with companies to ensure a fair claim settlement?

When looking for a reliable insurance agency, it’s important to understand the different types of agents and how they differ in how they can insure your vehicles. Auto insurance agents in Mesa may be either exclusive or independent agents depending on their company appointments. Either one can write policy coverage, but it’s worth mentioning how they differ since it can impact which agent you choose.

Exclusive Agencies

These agents work for only one company like Farmers Insurance, Allstate, or State Farm. Exclusive agencies are unable to shop your coverage around so they have to upsell other benefits. Exclusive insurance agents receive a lot of sales training on what they offer which helps overcome the inability to quote other rates.

Listed below is a short list of exclusive insurance agents in Mesa who may provide you with rate quotes.

More insurance agents

Independent Agents (or Brokers)

Independent agencies are not locked into one company and that enables them to quote your coverage with many different companies and help determine which has the cheapest rates. To transfer your coverage to a different company, the business is moved internally and you don’t have to do anything.

When shopping rates, you definitely need to get rate quotes from a few independent agents to get the most accurate price comparison.

The following is a list of independent insurance agents in Mesa that can give you comparison quotes.

More insurance agents

Once you have satisfactory answers as well as an affordable premium quote, most likely you have located an insurance agent that is reliable enough to adequately provide auto insurance. Just keep in mind you are able to cancel a policy whenever you want so never assume that you’re stuck with the auto insurance policy for the entire policy term.

Smart consumers save more

Cheap Acura RDX insurance in Mesa can be sourced on the web in addition to local insurance agencies, so you need to shop Mesa car insurance with both to have the best chance of lowering rates. Some insurance companies do not offer internet price quotes and most of the time these regional insurance providers only sell through independent agents.

When buying insurance coverage, it’s very important that you do not reduce needed coverages to save money. There have been many cases where an accident victim reduced full coverage only to discover later that it was a big error on their part. The proper strategy is to buy enough coverage for the lowest cost, but don’t skip important coverages to save money.

Steps to finding lower priced Acura RDX insurance in Mesa

The preferred way to get low-cost Acura RDX insurance in Mesa is to start doing a yearly price comparison from insurance carriers in Arizona. Rates can be compared by following these steps.

Step 1: Read about individual coverages and the factors you can control to lower rates. Many rating criteria that cause high rates like distracted driving and a less-than-favorable credit score can be controlled by paying attention to minor details.

Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like Progressive or State Farm, while independent agents can provide price quotes from multiple sources.

Step 3: Compare the new rates to your current policy to see if a cheaper rate is available in Mesa. If you can save money and decide to switch, make sure coverage does not lapse between policies.

Step 4: Give notification to your current company to cancel your current auto insurance policy and submit the completed application along with a down payment to your new insurance company. Once received, store the proof of insurance paperwork in a readily accessible location in your vehicle.

The most important part of shopping around is to try to use identical deductibles and limits on each price quote and and to get prices from all possible companies. This enables an accurate price comparison and many rates to choose from.

To read more, feel free to visit these articles:

• Understanding Car Crashes Video (iihs.org)
• Who Has the Cheapest Mesa Car Insurance Quotes for Hybrid Vehicles? (FAQ)
• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
• Auto Crash Statistics (Insurance Information Institute)
• Think You’re a Safe Driver? (State Farm)
• A Tree Fell on Your Car: Now What? (Allstate)