Car Insurance Quotes for an Acura RDX in Austin

Are you trying to find cheaper Acura RDX insurance in Austin? Having to pay for expensive car insurance in Austin can sap your family’s budget and possibly require you to analyze your spending habits. Performing a price comparison is a fast and free way to lower your bills every month.

Unbelievable but true, almost 70% of drivers in Texas kept buying from the same company for at least the last four years, and almost 40% of drivers have never even shopped around for lower-cost coverage. Many drivers in the U.S. can save hundreds of dollars each year, but they don’t want to spend time to compare rate quotes.

Online insurance companies like Progressive, State Farm and GEICO all claim big savings with fancy advertisements and it is difficult to see past the corporate glitz and find the best price available.

Affordable companies for Acura RDX insurance in Texas

The car insurance companies shown below have been selected to offer comparison quotes in Austin, TX. If several companies are displayed, we suggest you get rates from several of them to find the lowest car insurance rates.

Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Price estimates do not factor in vehicle garaging location which can affect prices greatly.

Auto insurance premiums based on gender

The chart below shows the comparison of Acura RDX auto insurance rates for male and female drivers. The premiums are based on a clean driving record, no claims, full physical damage coverage, $500 deductibles, single marital status, and no additional discounts are factored in.

Physical damage deductibles

When buying auto insurance, a common question is what deductibles to buy. The tables below highlight the rate fluctuation between high and low policy deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Premium amounts do not factor in specific Austin garaging location which can decrease or increase auto insurance rates substantially.

Using the data above, we can ascertain that using a $100 deductible costs about $27 more each month or $324 each year than opting for the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you usually have more than 15 months between claims, you would most likely save money if you choose the higher deductible. The numbers below show an example of how you can make this decision for your own policy.

How accidents and violations affect rates in Austin

The chart below shows how violations and accident claims drive up Acura RDX car insurance costs for different categories of driver ages. The information is based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.

Discounts mean cheaper rates for Acura RDX insurance in Austin

Car insurance can cost a lot, but there’s a good chance there are discounts that may help make it more affordable. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be asked about prior to receiving the credit.

• Austin Homeowners Pay Less – Being a homeowner can help you save on auto insurance since owning and maintaining a home is proof of financial responsibility.
• Save with More Vehicles Insured – Having all your vehicles with the same company can get a discount for every vehicle.
• Telematics Data Discounts – Insureds who allow their insurance company to spy on driving habits by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot may see discounts as long as they are good drivers.
• Federal Government Employee – Having worked for a branch of the government could provide a small rate reduction with some auto insurance companies.
• Drivers Ed for Students – Teen drivers should enroll and complete driver’s education if it’s offered in school.
• First Accident Forgiveness – This isn’t a discount exactly, but some companies like GEICO and Allstate will let one accident slide without raising rates if you have no claims for a specific time period.

We need to note that most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, companies wouldn’t make money that way. Any qualifying discounts will help reduce the cost of coverage.

A few of the larger companies and some of the premium reductions they offer are detailed below.

• AAA has discounts for multi-policy, education and occupation, AAA membership discount, good driver, anti-theft, multi-car, and pay-in-full.
• Progressive offers premium reductions for multi-policy, multi-vehicle, online signing, online quote discount, continuous coverage, homeowner, and good student.
• State Farm may have discounts that include Drive Safe & Save, good student, anti-theft, multiple autos, Steer Clear safe driver discount, and safe vehicle.
• Esurance discounts include paid-in-full, multi-car, anti-lock brakes, Pac-12 alumni, homeowner, and good driver.
• Nationwide may offer discounts for anti-theft, good student, accident-free, Farm Bureau membership, and easy pay.

Check with all companies you are considering how you can save money. All car insurance discounts might not be offered on policies in Austin. To choose companies that can offer you the previously mentioned discounts in Texas, click here to view.

How Car Insurance Companies Calculate Acura RDX Insurance Rates

An important part of buying insurance is that you know the rating factors that help calculate insurance rates. If you have a feel for what determines base rates, this allows you to make educated decisions that could result in lower premium levels. Many different elements are used in the calculation when you quote your car insurance policy. Some factors are common sense such as your driving record, but others are less obvious such as your marital status or how safe your car is.

Stay claim-free and save – Insurance companies in Texas give most affordable rates to policyholders who are claim-free. If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.

Credit score impact insurance premiums – Credit score will be a significant factor in determining what you pay for insurance. Drivers with very good credit scores tend to be less risk to insure than drivers who have lower ratings. Therefore, if your credit could use some work, you could potentially save money when insuring your Acura RDX by spending a little time repairing your credit.

Drive lots and pay more – The more you drive your Acura each year the more you’ll pay to insure your vehicle. A lot of companies charge rates partially by how you use the vehicle. Autos not used for work or commuting qualify for better rates than those that get driven frequently. Verify your insurance declarations sheet reflects the correct usage, because it can save money. Having the wrong rating on your RDX is throwing money out the window.

Coverage deductibles are a factor – Physical damage deductibles tell how much the insured will be required to pay if the claim is covered. Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of covered claims are rearending another vehicle, vandalism, and damage from wind. The higher the amount you pay before a claim is paid (deductible), the less money you will pay for insurance.

Lower rates for cars with good safety ratings – Vehicles with high crash test scores tend to have better insurance rates. These vehicles reduce injuries and reduced instances of injuries translates into savings for insurance companies and cheaper rates on your policy. If your Acura RDX has ratings of a minimum four stars on Safercar.gov you may be receiving a better rate.

Mature drivers are lower risk – Older insureds are viewed as being more responsible, tend to file fewer claims, and receive fewer citations.Young drivers are proven to be easily distracted in a vehicle therefore insurance rates are much higher.

Extra coverages you don’t use – There are many extra coverages that you can buy if you aren’t careful. Coverages for rental car reimbursement, towing coverage, and motor club memberships are some examples. These coverages may sound good when you first buy your policy, but if you don’t need them remove them and pocket the money.

Claims statistics for an Acura RDX – Insurers analyze past claim statistics as a tool for profitable underwriting. Vehicles that historically have increased losses will have higher rates.

The table below illustrates the historical insurance loss data for Acura RDX vehicles. For each policy coverage type, the claim probability for all vehicles, regardless of manufacturer or model, equals 100. Numbers under 100 suggest a positive loss record, while percentage numbers above 100 indicate more frequent losses or an increased probability of a larger loss.

When in doubt talk to an agent

When choosing coverage, there is no best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining if your insurance needs would benefit from an agent’s advice.

• What is GAP insurance?
• How can I force my company to pay a claim?
• Are there any extra discounts I can get?
• How can I find cheaper teen driver insurance?
• Does low annual mileage earn a discount?
• Do I need medical payments coverage since I have good health insurance?
• Do I need more liability coverage?
• Do I need motorclub coverage?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Local Austin car insurance agents

A lot of people would prefer to get professional advice from a licensed agent and that is a personal choice. One of the great benefits of price shopping on the web is that you can find cheap insurance rates but still work with a licensed agent. Buying insurance from local insurance agents is still important in Austin.

Once you complete this quick form, the coverage information is immediately sent to agents in your area that can give you free Austin car insurance quotes for your business. You won’t need to leave your computer because quoted prices will be sent to your email. You can most likely find cheaper rates without a big time investment. If you want to get a rate quote for a specific company, you would need to jump over to their website and give them your coverage information.

If you want to buy insurance from an insurance agent, it’s helpful to know the types of insurance agents to choose from. Insurance agencies are categorized either independent agents or exclusive agents.

Independent Insurance Agents

Agents that choose to be independent are normally appointed by many insurers so they can insure your vehicles with many different companies and possibly get better coverage at lower prices. If they find a lower price, your agent can just switch to a different company which requires no work on your part. If you are comparing insurance prices, it’s a good idea to include price quotes from at a minimum one independent agency to have the best price comparison.

Listed below is a short list of independent agencies in Austin who may be able to give you free rate quotes.

View more agents

Exclusive Agencies

These agents can only provide pricing for a single company like State Farm, Allstate, and Farm Bureau. Exclusive agencies are unable to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. Exclusive agents are usually well trained in insurance sales which can be an advantage.

Shown below is a short list of exclusive insurance agents in Austin that can give you comparison quotes.

View more agents

Finding a good car insurance agent should depend on more than just a cheap quote. Here are some questions you might want to ask.

• Who is covered by the car insurance policy?
• Will the agent or a CSR service your policy?
• If you are a high risk driver, do they have special markets for your coverage?
• Are they able to provide referrals?
• Are claim adjusters local or do you have to take your car somewhere else?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• Does the company allow you to choose your own collision repair facility?

Cover all your bases

When shopping online for insurance, you should never buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase a proper amount of coverage at a price you can afford, but don’t skip important coverages to save money.

Consumers switch companies for a number of reasons such as high rates after DUI convictions, denial of a claim, an unsatisfactory settlement offer and even delays in responding to claim requests. Regardless of your reason for switching companies, choosing a new company is not as difficult as it may seem.

You just read many ideas to find cheap Acura RDX insurance in Austin. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even be surprised to find that the lowest prices are with the smaller companies.

Additional insurance information can be found at the links below

• Get the Right Protection (InsureUonline.org)
• Who Has Cheap Car Insurance for a GMC Acadia in Austin? (FAQ)
• Who Has Cheap Austin Auto Insurance Quotes for a Chevrolet Silverado? (FAQ)
• Who Has Cheap Car Insurance Rates for Drivers with a Bad Driving Record in Austin? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for Veterans in Austin? (FAQ)
• Who Has Affordable Car Insurance Quotes for Lyft Drivers in Austin? (FAQ)
• Preventing Carjacking and Theft (Insurance Information Institute)
• Anti-Lock Brake FAQ (iihs.org)