It’s an obvious assumption that auto insurance companies don’t want you comparing rates. Consumers who shop rates annually will, in all likelihood, switch companies because they have good chances of finding a policy with more affordable rates. A study discovered that drivers who routinely shopped for cheaper coverage saved $3,500 over four years compared to drivers who didn’t regularly shop around.
If finding the cheapest price on insurance is the reason for your visit, then having some insight into how to get rate quotes and compare insurance can save time and make the process easier.
It takes a little time, but the best way to get low-cost car insurance rates is to start doing a yearly price comparison from insurance carriers who sell auto insurance in Chula Vista. Price quotes can be compared by following these steps.
First, get a basic knowledge of the different coverages in a policy and the factors you can control to keep rates low. Many factors that cause high rates such as traffic tickets, fender benders, and a not-so-good credit score can be remedied by making small lifestyle or driving habit changes. Continue reading for additional tips to help prevent high rates and get discounts that may be available to you.
Second, request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like Progressive or Farmers Insurance, while independent agencies can provide price quotes from multiple companies. Compare rates
Third, compare the new quotes to the price on your current policy and determine if cheaper RDX coverage is available. If you find a lower rate quote and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
One key aspect of rate comparisons is to use similar deductibles and liability limits on every quote and and to get rate quotes from as many different insurance providers as possible. Doing this provides a fair price comparison and many rates to choose from.
Comparing quotes for the most affordable insurance coverage in Chula Vista is not as time-consuming as you think. If you’re already insured or are looking for a new policy, use these money-saving tips to buy cheaper insurance without having to cut coverage. Vehicle owners only have to learn how to shop from multiple carriers.
The following companies are our best choices to provide price quotes in California. To buy the cheapest auto insurance in California, we recommend you get rates from several of them to get the best price comparison.
Insurance statistics and figures
The coverage information below highlights detailed analysis of insurance premium costs for Acura RDX models. Being more informed about how auto insurance policy rates are formulated can be valuable when making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RDX 2WD | $332 | $564 | $384 | $22 | $114 | $1,416 | $118 |
| RDX AWD | $332 | $564 | $384 | $22 | $114 | $1,416 | $118 |
| RDX Technology Package 2WD | $374 | $664 | $384 | $22 | $114 | $1,558 | $130 |
| RDX Technology Package AWD | $374 | $664 | $384 | $22 | $114 | $1,558 | $130 |
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Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in specific zip code location which can modify coverage rates greatly.
Drive safe and save
The illustration below demonstrates how speeding tickets and fender-benders raise Acura RDX car insurance rates for different age categories. The rate quotes are based on a married male driver, full coverage, $1,000 deductibles, and no discounts are applied.
Difference between full coverage and liability only rates
The example below shows the difference between Acura RDX auto insurance rates with full physical damage coverage compared to only buying liability only. The price estimates are based on no claims or violations, $250 deductibles, drivers are not married, and no other discounts are factored in.
When to drop full coverage
There is no written rule to stop paying for comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the settlement you would receive from your company, then it might be time to buy liability only.
For example, let’s assume your Acura RDX settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $4,000 after paying your policy deductible. If it’s costing in excess of $400 a year for your policy with full coverage, then it may be the right time to buy liability only.
There are some conditions where dropping physical damage coverage is not in your best interest. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.
What Affects Acura RDX Insurance Prices?
It’s important that you understand some of the elements that help calculate car insurance rates. If you know what determines premiums, this enables you to make decisions that can help you get lower rates.
Older drivers save more – Teenage drivers in California are statistically shown to be less responsible when driving with friends so they pay higher car insurance rates. Having to add a teenage driver to your policy can break the bank. More experienced drivers are more responsible, are lower risk to insure, and are generally more financially stable.
The following data uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.
Women tend to be lower risk – Over time, data shows that females tend to be a little less risky than males. This data doesn’t prove that females are better drivers. Both sexes tend to get into accidents in similar numbers, but the males have accidents that have higher claims. Not only are claims higher, but men get more serious tickets like driving under the influence (DUI). Youthful male drivers are the most expensive to insure and therefore have the most expensive car insurance rates.
The chart below shows the difference between Acura RDX auto insurance costs for male and female drivers. The premiums are based on no violations or accidents, comprehensive and collision coverage, $500 deductibles, marital status is single, and no discounts are taken into consideration.
Occupation can influence rates – Careers such as real estate brokers, police officers, and emergency personnel generally have higher average rates due to high stress and lengthy work days. Conversely, jobs such as farmers, athletes and performers have the lowest average rates.
The higher your credit rating the lower your costs – Having a bad credit history is a large factor in determining premium rates. Drivers who have high credit ratings tend to file fewer claims than drivers with lower credit ratings. If your credit rating is lower than you’d like, you could potentially save money when insuring your Acura RDX if you clean up your credit.
Filing claims can cost you more – If you frequently file small claims, don’t be surprised to see either higher rates or even cancellation. Companies in California generally give better rates to insureds who file claims infrequently. Your car insurance is intended for claims that pose a financial burden.
Performance impacts insurance costs – The performance of the vehicle you own makes a significant difference in the rate you pay. The cheapest rates will normally be found when insuring lower performance four cylinder passenger models, but other factors influence the final cost greatly.
The following chart uses these variables: married female driver age 20, full coverage with $1000 deductibles, and no discounts or violations. The data compares Acura RDX insurance premiums compared to other makes and models that have different performances.
Having a spouse can lower costs – Having a spouse can actually save you money compared to being single. Having a spouse demonstrates that you tend to be more financially stable and statistics prove married couples file fewer claims.
Acura RDX statistical loss data – Insurance companies include the past claim history for a vehicle to determine a price that will be profitable for them. Models that historically have higher claim frequency or loss amount will have increased rates. The information below illustrates the loss history for Acura RDX vehicles.
For each policy coverage, the loss probability for all vehicles, as a total average, is set at 100. Percentage numbers below 100 suggest losses that are better than average, while values that are above 100 point to more losses or statistically larger claims.
| Make and 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 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insuring your vehicle just makes sense
Even though it can be expensive, insurance is mandatory in California but it also protects more than you think.
- Just about all states have mandatory insurance requirements which means you are required to buy specific limits of liability coverage in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your vehicle has a loan, most lenders will stipulate that you have comprehensive coverage to guarantee their interest in the vehicle. If you default on your policy, the bank may buy a policy for your Acura at a more expensive rate and force you to pay a much higher amount than you were paying before.
- Insurance preserves both your assets and your car. It will also reimburse you for medical bills for both you and anyone you injure as the result of an accident. Liability coverage also pays expenses related to your legal defense if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, your policy will cover the damage repairs after a deductible is paid.
The benefits of having insurance more than offset the price you pay, specifically if you ever have a liability claim. Despite what companies tell you, the average driver is overpaying over $830 a year so you should quote rates at every renewal to be sure current rates are still competitive.