Save Money on Acura RDX Insurance in Virginia Beach

If your goal is the lowest price, then the best way to quote cheaper Acura RDX insurance in Virginia Beach is to begin comparing prices regularly from companies who sell insurance in Virginia.

1. Try to learn a little about how insurance companies determine prices and the factors you can control to keep rates down. Many rating factors that drive up the price such as at-fault accidents, speeding tickets, and an imperfect credit score can be controlled by making small lifestyle or driving habit changes.
2. Get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO or State Farm, while agents who are independent can quote rates from multiple insurance companies.
3. Compare the new quotes to your current policy premium and determine if cheaper RDX coverage is available in Virginia Beach. If you find a lower rate and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
4. Provide proper notification to your current company to cancel your existing policy and submit the application along with any required down payment to the new company. When you receive it, put the new certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.

The most important part of shopping around is to try to compare identical coverage information on every price quote and and to get quotes from every insurance company. This ensures an apples-to-apples comparison and a good representation of prices.

Amazingly, a large majority of drivers kept buying from the same company for more than four years, and nearly 40% of drivers have never quoted insurance rates at all. The average driver in America could pocket as much as 46.5% a year by just shopping around, but most tend to underestimate how much savings they would realize if they replace their high priced policy.

The following companies have been selected to offer free rate quotes in Virginia. To get the cheapest auto insurance in Virginia, it’s a good idea that you visit several of them to get a more complete price comparison.

Cheaper Acura RDX insurance in Virginia Beach

Some insurance providers don’t necessarily list every discount they offer very well, so here is a list both the well known and also the lesser-known ways to save on auto insurance.

• Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower premium rate if you buy life insurance from them.
• Seat Belts Save – Drivers who require all vehicle occupants to fasten their seat belts can save up to 15% on the medical payments or PIP coverage costs.
• Save with a New Car – Adding a new car to your policy may earn a small discount since newer vehicles are generally safer.
• Discounts for Multiple Vehicles – Insuring multiple cars with the same auto insurance company can reduce the rates for all insured vehicles.
• Military Discounts – Having an actively deployed family member could trigger a small discount.
• Bundled Policy Discount – If you have multiple policies with one company you will save over 10 percent off each policy depending on the company.
• Good Grades Discount – Being a good student can get you a discount of up to 25%. Many companies even apply the discount to college students up until you turn 25.
• Pay Early and Save – By making one initial payment rather than paying monthly you may reduce your total bill.
• Low Mileage – Low mileage vehicles could earn better premium rates on cars that stay parked.
• Student in College – Youth drivers who attend college more than 100 miles from Virginia Beach and don’t have a car could qualify for this discount.

You should keep in mind that most discount credits are not given to the entire policy premium. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that it’s possible to get free car insurance, that’s just not realistic.

The diagram below shows the difference between Acura RDX yearly insurance costs with and without discounts. Data assumes a female driver, no driving violations, no at-fault accidents, Virginia 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, safe-driver, marriage, claim-free, homeowner, and multi-car discounts applied.

Popular auto insurance companies and some of the premium reductions they offer are:

• Farm Bureau has savings for 55 and retired, driver training, youthful driver, multi-policy, good student, and renewal discount.
• State Farm includes discounts for good driver, multiple policy, defensive driving training, Steer Clear safe driver discount, good student, Drive Safe & Save, and accident-free.
• Progressive may offer discounts for multi-policy, multi-vehicle, online quote discount, homeowner, and good student.
• Allstate policyholders can earn discounts including FullPay discount, anti-theft, premier plus, passive restraint, and farm vehicle.
• Nationwide offers premium reductions for Farm Bureau membership, good student, anti-theft, defensive driving, accident-free, and easy pay.
• MetLife may include discounts for accident-free, claim-free, defensive driver, multi-policy, good student, and good driver.

Before you buy a policy, ask every company to give you their best rates. A few discounts may not be available in Virginia Beach. To view insurance companies who offer discounts in Virginia Beach, click this link.

Acura RDX insurance rates and statistics

The premium information below highlights a range of insurance costs for Acura RDX models. Learning as much as possible about how insurance prices are calculated is important for drivers to make decisions when shopping your coverage around.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rate information does not factor in garaging location in Virginia Beach which can raise or lower auto insurance rates substantially.

Higher deductibles lower rates

The hardest decision when buying coverage is what deductibles to buy. The following insurance rates determine the premium difference when you choose different physical damage coverage deductibles. The first data set uses a $250 physical damage coverage deductible and the second rate table uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in specific zip code location which can increase or decrease premiums noticeably.

Using the data above, we can ascertain that using a $250 deductible will cost in the ballpark of $20 more each month or $240 a year across all Acura RDX models than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 38 months between claim filings, you would most likely save money by going with a higher deductible.

Components of Your Acura RDX Insurance Premiums

It’s important that you understand a few of the rating criteria that play a part in calculating the rates you pay for insurance. When consumers understand what influences your rates, this enables informed choices that could help you find better insurance rates. Lots of things are considered when you quote your car insurance policy. Some factors are common sense like your driving record, but other factors are more obscure like where you live or how safe your car is.

Car features that cut premiums – Purchasing a vehicle with advanced anti-theft systems can save you some money. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft and help lower rates.

Save miles and save money – The higher the mileage driven annually the more you’ll pay to insure your vehicle. Many insurance companies rate vehicles based upon how you use the vehicle. Autos that do not get driven very much can be on a lower rate level than vehicles that have high annual mileage. Ask your agent if your policy properly reflects the correct driver usage. Improper usage on your RDX can cost quite a bit.

If you don’t need it don’t buy it – There are many add-on coverages that can add up on your RDX policy. Coverage for things like vanishing deductibles, death and dismemberment, and membership fees are examples of these. They may seem good when talking to your agent, but if you have no use for them eliminate the coverages to reduce your premium.

Men are more aggressive – Over the last 30 years, statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Men and women are in fender benders in similar numbers, but males cause more damage. They also get higher numbers of serious violations like driving under the influence (DUI). Teenage male drivers are most likely to cause an accident and therefore have the most expensive insurance rates.

The example below compares Acura RDX auto insurance costs for male and female drivers. The premiums assume no claims, a clean driving record, comp and collision included, $500 deductibles, marital status is single, and no additional discounts are factored in.

Cheaper premiums with safer cars – Cars with high safety ratings can get you lower premiums. Highly rated vehicles protect occupants better and fewer serious injuries translates into fewer and smaller insurance claims passed on to you as lower rates.

Teenagers vs. experienced drivers – Drivers with little experience are proven to be inattentive when driving and because of this, their insurance rates are much higher. Having to add a youthful driver onto a policy can cause a big jump in price. More mature drivers are shown to be more cautious, tend to file fewer claims, and get fewer tickets.

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

Too many insurance claims and you’ll pay more – If you’re an insured who likes to file claims don’t be surprised to see much higher rates or policy non-renewal. Auto insurance companies in Virginia award the best rates to insureds who file claims infrequently. Auto insurance is designed for claims that you cannot pay yourself.

Insurance rates for married couples – Getting married may cut your premiums on insurance. Having a spouse may mean you are less irresponsible and insurance companies reward insureds because married couples file fewer claims.

Insurance loss statistics an Acura RDX – Companies include the past claim trends for vehicles to calculate a rate that will offset losses. Models that statistically have increased losses will cost more to insure.

The next table illustrates the compiled insurance loss statistics for Acura RDX vehicles. For each policy coverage type, the claim amount for all vehicles, regardless of make, model or trim level, is represented as 100. Percentage numbers below 100 suggest a positive loss record, while values that are above 100 point to more claims or statistically larger claims.