Compare Acura RDX Insurance Quotes in Columbus

Acura RDX insurance image courtesy of QuoteInspector.com

Smart shoppers know that car insurance companies don't want policyholders to compare prices from other companies. Drivers who rate shop once a year are inclined to switch companies because of the good chance of finding a lower-cost company. A study discovered that drivers who shopped around annually saved over $865 annually compared to people who never shopped around for lower prices.

If finding the best price on car insurance in Columbus is your target objective, then understanding the best ways to shop for insurance rates can make it easier to shop your coverage around.

It takes a little time, but the best way to get discount auto insurance rates is to start doing a yearly price comparison from companies in Columbus. This can be done by following these steps.

1. Get a basic knowledge of how companies price auto insurance and the things you can change to prevent rate increases. Many factors that cause high rates such as careless driving and a bad credit score can be eliminated by making minor changes to your lifestyle.
2. Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from a single company like Progressive or Farmers Insurance, while agents who are independent can quote rates for a wide range of insurance providers.
3. Compare the new quotes to the premium of your current policy to see if a cheaper rate is available. If you find a better price, ensure there is no coverage lapse between policies.
4. Provide written notification to your current company to cancel your current policy. Submit a down payment along with a signed application for the new policy. Immediately put the certificate verifying coverage along with the vehicle's registration papers.

One thing to point out is to try to compare similar coverage information on every price quote and and to get price quotes from as many different insurance providers as possible. Doing this helps ensure a level playing field and maximum price selection.

Companies offering Acura RDX insurance in Columbus

The car insurance companies shown below have been selected to offer price quotes in Columbus, OH. If several companies are displayed, it's highly recommended you visit as many as you can in order to find the most competitive rates.

Acura RDX insurance coverage information

The premium table below showcases estimates of insurance policy prices for Acura RDX models. Learning a little about how insurance policy rates are figured can help guide drivers when making smart choices when selecting a coverage provider.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Premium costs do not factor in specific location information which can raise or lower premiums significantly.

Rate comparison for different deductibles

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The rates below can help you visualize the rate differences between high and low physical damage coverage deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second price chart uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Price information does not factor in specific Columbus garaging location which can raise or lower price quotes greatly.

Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $26 more each month or $312 every year averaged for all RDX models than opting for the higher $1,000 deductible. Because you would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 35 months between claims, you would probably be better off if you elect the higher deductible.

An important thing to remember is that raising deductibles to save money means you will have to pay more when you have a physical damage claim. You need enough money in the bank in the event you need to pay the deductible to have repairs made.

The information below highlights how deductible selection and can influence Acura RDX insurance prices for each age group. The premiums assume a single female driver, comp and collision included, and no discounts are taken into consideration.

What Determines Acura RDX Insurance Costs?

Consumers need to have an understanding of some of the elements that go into determining the price you pay for car insurance. If you know what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may result in cheaper rates. Multiple criteria are part of the calculation when you get a price on insurance. Some of the criteria are obvious such as traffic violations, although others are less apparent such as whether you are married and annual miles driven.

The itemized list below are most of the major factors utilized by car insurance companies to help set your prices.

Poor driving habits means higher costs - Your driving record has a lot to do with how much you pay for insurance. Having just one citation can bump up the cost by twenty percent. Drivers who don't get tickets receive lower rates as compared to careless drivers. Drivers who have serious violations such as reckless driving or DUI may find that they have to to maintain a SR-22 with their state's department of motor vehicles in order to legally drive.

The chart below illustrates how violations and at-fault collisions can raise Acura RDX insurance costs for different age categories. The data is based on a married female driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.

Save money with alarm systems - Choosing to buy a car with advanced anti-theft systems can earn a premium discount. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft and help bring rates down.

Lower premiums for safer cars - Vehicles with good safety scores can get you lower premiums. Safer cars have better occupant injury protection and reduced instances of injuries translates into fewer and smaller insurance claims and lower rates for you. If your Acura scored better than an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

Teenagers are high risk - Beginning drivers in Ohio are proven to be inattentive with other occupants in the car so car insurance rates are higher. If you've ever had to add a teen driver onto your car insurance can be very expensive. More mature drivers are shown to be more cautious, are lower risk to insure, and are generally more financially stable.

The following data assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

Costs increase with policy add-ons - Policies have extra coverages that you can buy on your car insurance policy. Add-on coverages like roadside assistance, accidental death, and Farm Bureau memberships may be costing you every month. They may sound like good ideas when buying your policy, but if you've never needed them in the past get rid of them and save.

Insurance loss data for an Acura RDX - Companies factor in historical loss data to help set a rate to offset losses. Models that historically have increased losses will have higher rates.

The table shown below demonstrates the actual insurance loss data for Acura RDX vehicles. For each coverage type, the statistical loss for all vehicles as a whole is equal to 100. Numbers below 100 represent a good loss history, while percentages above 100 indicate higher probability of having a loss or a tendency for losses to be larger than average.

Car insurance discounts are available to cut your rates

Insurance can be prohibitively expensive, but you might find some hidden discounts that you may not even be aware of. Larger premium reductions will be automatically applied at quote time, but some discounts are required to be asked for prior to getting the savings.

• Discount for Low Mileage - Driving less can earn substantially lower premium rates.
• No Accidents - Insureds who avoid accidents and claims pay less when compared to drivers who are more careless.
• Discount for Swiching Early - A few car insurance companies give discounts for switching companies before your current RDX insurance policy expires. It could save around 10% when you buy Columbus car insurance online.
• Discount for Life Insurance - If the company offers life insurance, you could get better prices if you take out some life insurance too.
• Sign Online - A few larger online companies provide a small discount just for signing your application on their website.
• Home Ownership Discount - Owning a home in Columbus can help you save on car insurance because owning a home demonstrates responsibility.

Keep in mind that most discount credits are not given to the entire cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, you're out of luck.

The diagram below shows the comparison of Acura RDX insurance premiums with and without discounts. The premiums assume a female driver, no violations or claims, Ohio state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, claim-free, multi-policy, and homeowner discounts applied.

Insurance companies that may offer quotes with these money-saving discounts include:

• Progressive
• AAA
• Farmers Insurance
• GEICO
• Esurance
• SAFECO
• State Farm

When quoting, ask each company or agent which discounts can lower your rates. Some credits may not be offered in every state. To see car insurance companies that offer many of these discounts in Columbus, click here.

Car insurance agents are trained to help

A lot of people would prefer to sit down with an agent and that is a personal choice. A good thing about comparing rates online is the fact that drivers can get lower premium rates and still choose a local agent.

To make it easy to find an agent, after completing this quick form, your insurance data is immediately sent to companies in Columbus that give free quotes for your insurance coverage. You don't have to leave your house since price quotes are sent to the email address you provide. You'll get the best rates without the usual hassles of price shopping. If you want to get a price quote from one company in particular, you just need to search and find their rate quote page and fill out their quote form.

Picking the best insurer should include more criteria than just the bottom line cost. Any agent in Columbus should be forthright in answering these questions:

• Do they offer accident forgiveness?
• Where would your vehicle be repaired?
• Which companies can they place coverage with?
• Which family members are covered?
• Can they provide you with a list of referrals?

Different types of car insurance agents in Columbus

If you prefer to buy auto insurance from a good Columbus insurance agent, you need to know there are two different types of agencies that differ in how they can insure your vehicles. Insurance agencies in Columbus can be classified as either exclusive or independent.

Exclusive Auto Insurance Agencies

These agents normally can only provide a single company's rates and examples are Farmers Insurance, State Farm, or Allstate. Exclusive agencies are unable to place coverage with different providers so they have to upsell other benefits. Exclusive agents are well trained on their company's products and that allows them to sell at a higher price point.

Listed below is a list of exclusive agencies in Columbus that are able to give comparison quotes.

More Columbus agents

Independent Agencies or Brokers

These type of agents can quote rates with many companies so they can write business through lots of different companies and find the cheapest rate. If your premiums go up, the agent simply finds a different carrier and you don't have to do anything.

If you are trying to find cheaper rates, we highly recommend that you get insurance quotes from at a minimum one independent agency to get the most accurate price comparison.

Below are Columbus independent insurance agencies that can give you price quote information.

More Columbus agents

Which is the best auto insurance?

Always remember that when buying adequate coverage, there really is no one size fits all plan. Everyone's situation is unique and your auto insurance should be unique as well. These are some specific questions can help discover if your situation might need professional guidance.

• Is a fancy paint job covered?
• Are there any extra discounts I can get?
• Is my nanny covered when transporting my kids?
• Is water damage covered by my policy?
• Why are teen drivers so expensive to add on to my policy?
• Does every company file a SR-22 automatically?
• How does medical payments coverage work?
• If I use my vehicle for business use is it covered?
• What does PIP insurance cover?

If it's difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don't have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Don't give up on cheap premiums

A few companies don't offer rates over the internet and usually these regional insurance providers provide coverage only through independent insurance agents. More affordable insurance in Columbus is definitely available both online and also from your neighborhood Columbus agents, so you should compare both to get a complete price analysis.

While you're price shopping online, make sure you don't buy poor coverage just to save money. There are too many instances where someone dropped liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase plenty of coverage for the lowest cost while still protecting your assets.

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