Acura RDX Insurance Rate Quotes in San Francisco

Finding low-cost insurance for an Acura RDX in California can turn out to be a painful process, but you can use a few tricks to find lower rates.

There is a better way to shop for auto insurance and we’ll show you the quickest way to compare rates for a new or used Acura and get the best price possible from San Francisco insurance agents and online providers.

It’s a good habit to do price comparisons before your policy renews since insurance rates change regularly. Despite the fact that you may have had the best deal on Acura RDX insurance in San Francisco at your last renewal the chances are good that you can find a lower price today. Block out anything you think you know about auto insurance because it’s time to teach you one of the easiest ways to reduce your cost while increasing coverage.

Insurance coverage details

The information shown next highlights a range of prices for Acura RDX models. Understanding more about how car insurance prices are determined can be of help when making decisions when choosing a new policy provider.

Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Price information does not factor in San Francisco location which can change rates greatly.

Analysis of deductible levels

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The premium rates below highlight the rate fluctuation of buying low and high physical damage coverage deductibles. The first data set uses a $100 deductible and the second pricing table uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Premium costs do not factor in vehicle location which can revise prices substantially.

Based on the figures above, using a $100 deductible will cost in the ballpark of $32 more each month or $384 a year averaged for all RDX models than selecting the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to average more than 13 months between claims, you would probably be better off if you decide on a higher deductible.

Illustration showing the impact of accidents and violations

The diagram below illustrates how violations and at-fault claims can affect Acura RDX annual premium costs for different insured age categories. The rates are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied.

Full coverage versus liability only rates

The chart below compares Acura RDX auto insurance costs when comparing full coverage to liability only. The data is based on no accidents, no driving violations, $100 deductibles, drivers are single, and no other discounts are factored in.

Guidelines for dropping full coverage

There is no exact formula for excluding comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than about 10% of the settlement you would receive from your company, then you might consider buying liability only.

For example, let’s pretend your Acura RDX claim settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $8,000 after paying the physical damage deductible. If premiums are more than $800 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are a few cases where buying only liability insurance is not recommended. If you still have a lienholder on your title, you have to keep full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.

Why You Might Pay Higher Rates in San Francisco

Lots of factors are taken into consideration when you quote your car insurance policy. Most are fairly basic such as your driving history, but other criteria are more transparent like where you live and annual miles driven. One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively influences your rates, this empowers consumers to make smart changes that will entitle you to lower premium levels.

Pay lower premiums if you’re married – Having a significant other can get you a discount when buying auto insurance. It usually means you are more mature and statistics show married drivers tend to file fewer claims.

Low physical damage deductibles cost more – Deductibles for physical damage state the amount of money you are required to spend if you file a covered claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply could be rear-ending another vehicle, damage from fire, and having a roll-over accident. The more you choose to pay out-of-pocket, the less your company will charge you for insurance.

Youthful drivers cost more – Older, more experienced drivers tend to be more responsible, statistically cause fewer accidents, and usually have better credit. Beginning drivers tend to be less responsible with other occupants in the car therefore auto insurance rates are much higher.

The next chart is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.

Safer vehicles save money – Cars with five star safety ratings tend to be cheaper to insure. The safest vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims which can result in lower premiums. If the Acura RDX is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.

Acura RDX insurance loss statistics – Car insurance companies include the past claim trends for vehicles in order to profitably underwrite each model. Vehicles that are shown to have higher claim frequency or loss amount will have a higher premium rate.

The table below demonstrates the insurance loss data for Acura RDX vehicles. For each coverage type, the loss probability for all vehicles, without regard to make or model, is a value of 100. Percentages below 100 represent a good loss history, while values that are above 100 point to more claims or an increased chance of larger losses than average.

Lower rates by being persistent

Low-cost Acura RDX insurance in San Francisco is definitely available online and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies may not offer online rate quotes and these smaller companies sell through local independent agents.

When shopping online for auto insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice full coverage only to find out they didn’t purchase enough coverage. Your aim should be to buy a smart amount of coverage at an affordable rate and still be able to protect your assets.

Insureds change insurance companies for a number of reasons such as delays in paying claims, an unsatisfactory settlement offer, unfair underwriting practices or even poor customer service. No matter why you want to switch, finding a new company can be less work than you think.

How to buy lower priced Acura RDX insurance in San Francisco

If your goal is the lowest price, then the best way to save on Acura RDX insurance is to regularly compare quotes from providers that sell auto insurance in San Francisco.

First, get an understanding of how companies set rates and the things you can change to prevent expensive coverage. Many policy risk factors that result in higher rates like high-risk driving behaviors and your credit history can be amended by making minor changes in your lifestyle.

Second, compare rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from a single company like Progressive or State Farm, while agents who are independent can give you price quotes from multiple companies.

Third, compare the quotes to your current policy to see if switching to a new carrier will save money. If you find a lower rate, make sure there is no lapse in coverage.

Fourth, notify your agent or company of your intent to cancel your current car insurance policy and submit a completed application and payment to the new company. Immediately upon receiving it, put the new certificate of insurance in an easily accessible location.

The key thing to remember is to try to compare identical coverage information on each quote and and to get rate quotes from as many different companies as possible. This ensures a level playing field and the best price quote selection.

More detailed auto insurance information can be found by following these links:

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Who Has Affordable Auto Insurance Quotes for Retired Military in San Francisco? (FAQ)
• What Insurance is Cheapest for Drivers Requiring a SR22 in San Francisco? (FAQ)
• Who Has Cheap Auto Insurance for a GMC Sierra in San Francisco? (FAQ)
• Who Has the Cheapest San Francisco Auto Insurance for a Company Car? (FAQ)
• Who Has Cheap Auto Insurance Quotes for Felons in San Francisco? (FAQ)
• Crash Avoidance Technologies FAQ (iihs.org)
• Electronic Stability Control FAQ (iihs.org)