Compare Acura RDX Insurance Quotes in Fort Worth

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Acura RDX insurance cost
Acura RDX insurance cost image courtesy of QuoteInspector.com

If your goal is the lowest price, then the best way to get more affordable auto insurance rates in Fort Worth is to regularly compare price quotes from insurance carriers that insure vehicles in Texas. Rate comparisons can be done by following these guidelines.

  • First, try to understand how car insurance works and the things you can change to keep rates in check. Many factors that drive up the price such as traffic tickets, fender benders, and poor credit rating can be eliminated by making minor changes to your lifestyle.
  • Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from a single company like GEICO and State Farm, while agents who are independent can quote rates from multiple sources.
  • Third, compare the new rate quotes to your existing rates and determine if cheaper RDX coverage is available in Fort Worth. If you find better rates and change companies, make sure there is no coverage gap between policies.
  • Fourth, give proper notification to your current agent or company to cancel the current policy and submit a completed policy application and payment to the newly selected company. Immediately upon receiving it, place the new proof of insurance paperwork with the vehicle registration.

An important note is that you'll want to compare the same amount of coverage on every price quote and to quote with as many different insurance providers as possible. This guarantees an accurate price comparison and the best price quote selection.

Discount Acura RDX insuranceIt's easy to assume that car insurance companies don't want you quoting rates from other companies. People who perform rate comparisons will most likely buy a new policy because there are good odds of finding lower rate quotes. Remarkably, a study showed that consumers who routinely compared rates saved as much as $3,400 over four years compared to policyholders who never shopped around for lower prices.

If finding budget-friendly rates on Acura RDX insurance in Fort Worth is your ultimate target, knowing how to choose a company and compare coverage rates can make shopping around easier.

If you are already insured, you will be able to save money using the following tips. Buying the cheapest car insurance in Fort Worth is really quite easy. Although Texas vehicle owners must comprehend the way insurance companies price online insurance because it can help you find the best coverage.

Facts and figures for Acura RDX insurance

The coverage information below outlines different prices for Acura RDX models. Learning more about how car insurance prices are formulated can help drivers make decisions on which coverage to buy.

Acura RDX Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $226 $412 $304 $18 $92 $1,052 $88
RDX AWD $226 $412 $304 $18 $92 $1,052 $88
RDX Technology Package 2WD $256 $486 $304 $18 $92 $1,156 $96
RDX Technology Package AWD $256 $486 $304 $18 $92 $1,156 $96
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Price estimates do not factor in specific location which can modify price quotes considerably.

Physical damage deductibles: Should you raise them?

One of the more difficult decisions when buying auto insurance is which deductible level should you buy. The following insurance rates outline the rate differences between high and low policy deductibles. The first rate quote example uses a $250 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.

Acura RDX insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $294 $496 $324 $20 $96 $1,255 $105
RDX AWD $294 $496 $324 $20 $96 $1,255 $105
RDX Technology Package 2WD $332 $584 $324 $20 $96 $1,381 $115
RDX Technology Package AWD $332 $584 $324 $20 $96 $1,381 $115
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Acura RDX insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $182 $312 $324 $20 $96 $934 $78
RDX AWD $182 $312 $324 $20 $96 $934 $78
RDX Technology Package 2WD $206 $368 $324 $20 $96 $1,014 $85
RDX Technology Package AWD $206 $368 $324 $20 $96 $1,014 $85
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Price estimates do not factor in zip code location which can increase or decrease coverage rates significantly.

We can estimate from the data above that using a $250 deductible costs an average of $28 more each month or $336 for a full year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you have at least 27 months between claims, you would probably come out ahead by selecting a higher deductible.

The illustration below demonstrates how deductibles and can impact Acura RDX insurance costs for each age group. Data assumes a married male driver, full physical damage coverage, and no discounts are factored in.

Does it make sense to buy full coverage?

The example below compares Acura RDX insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The premiums assume no violations or accidents, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

Should you pay for full coverage?

There is no specific rule for phasing out physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the vehicle's replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let's assume your Acura RDX book value is $8,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $7,000 after the policy deductible has been paid. If you are paying in excess of $700 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are some cases where removing full coverage is not recommended. If you still owe money on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage.

Buy Cheap Auto Insurance with These Tips

An important part of buying insurance is that you know the factors that come into play when calculating your auto insurance rates. When you understand what controls the rates you pay, this enables informed choices that can earn you big savings.

Listed below are some of the most common factors auto insurance companies consider when setting rates.

Traffic violations are costly - Only having one ticket may cause rates to rise substantially. Attentive drivers have lower premiums as compared to those with violations. Drivers who have gotten serious violations like hit and run, DWI or reckless driving convictions may need to prove financial responsibility to the state department of motor vehicles in order to keep their license.

The chart below shows how violations and at-fault fender-benders impact Acura RDX insurance costs for each different age category. The data assumes a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.

High performance equals high rates - The make and model of the car, truck or SUV you are trying to find cheaper insurance for makes a big difference in your premium level. Lower cost passenger models normally have pretty low rates, but the final cost of insurance is determined by many other factors.

The following chart is based on a married female driver age 50, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Acura RDX car insurance rates compared to other makes and models that have a range of performance rating factors.

Prices impacted by your city - Residing in a rural area has it's advantages when it comes to auto insurance. Lower population means reduced accidents. People in densely populated areas tend to have more traffic problems and higher rates of accident claims. Longer commute distances means higher likelihood of an accident.

Do you really need to file those insurance claims? - Insurance companies in Texas generally give most affordable rates to drivers who are not frequent claim filers. If you're an insured who likes to file claims you can expect either a policy non-renewal or much higher rates. Auto insurance is designed for the large, substantial claims.

Higher comp and collision deductibles reduce costs - Your deductibles define the amount the insured will be required to pay if the claim is covered. Physical damage coverage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some instances where coverage would apply would be colliding with a stationary object, damage from fire, and damage caused by road hazards. The more expense the insured has to pay upfront, the lower your rates will be.

Do you need those extra policy coverages? - There are quite a few additional coverages that sound like a good idea at the time on your RDX policy. Coverages for roadside assistance, better glass coverage, and extra life insurance coverage may be costing you every month. These coverages may sound good when talking to your agent, but your needs may have changed so remove them and pocket the money.

Acura RDX claim statistics - Insurers use claims history to help determine rates. Vehicles that the statistics show to have higher claim amounts or frequency will cost more for specific coverages. The table below illustrates the actual insurance loss data for Acura RDX vehicles.

For each insurance policy coverage type, the loss probability for all vehicles, regardless of make, model or trim level, is a value of 100. Percentage values below 100 suggest a better than average loss history, while values that are above 100 point to more frequent losses or tendency to have higher losses.

Acura RDX Insurance Claim Statistics
Specific Acura Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Acura RDX 4dr 2WD 64 75 57 67 67 71
Acura RDX 4dr 4WD 68 79 79 68 66 60
BETTER
AVERAGE
WORSE

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Cheaper auto insurance is a realistic goal

When shopping online for auto insurance, don't be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced uninsured motorist or liability limits only to discover later that the savings was not a smart move. Your strategy should be to find the BEST coverage for the lowest price, not the least amount of coverage.

We covered a lot of techniques to find lower-cost Acura RDX insurance in Fort Worth. The key thing to remember is the more companies you get rates for, the higher your chance of finding affordable Acura RDX insurance quotes. Consumers may even find the lowest prices are with some of the lesser-known companies. They may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive and GEICO.

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