How to Compare Henderson Acura RDX Insurance

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Insurance rates Acura RDX in HendersonTo save the most money, the best way to get low-cost Acura RDX insurance is to compare prices once a year from insurance carriers in Henderson.

First, it will benefit you to learn about how companies set rates and the things you can control to prevent expensive coverage. Many factors that cause rate increases like your driving record and a not-so-good credit score can be remedied by paying attention to minor details.

Second, compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from one company like Progressive or Farmers Insurance, while independent agents can give you price quotes from multiple companies. Start a quote

Third, compare the new quotes to your existing rates to see if you can save by switching companies. If you can save money, make sure there is no coverage gap between policies.

Fourth, notify your company or agent to cancel your current auto insurance policy and submit the required down payment along with the signed application to your new carrier. Once the application is submitted, safely store the proof of insurance certificate along with your vehicle registration.

A tip to remember is to use identical coverages on each quote request and and to get price estimates from as many companies as you can. Doing this provides an accurate price comparison and the most accurate and complete price analysis.

It's safe to assume that car insurance companies don't want you to look at other companies. Insureds who shop for lower prices will probably switch auto insurance companies because they have good chances of finding discount prices. A recent study showed that people who compared rates once a year saved over $860 a year compared to other drivers who never shopped for cheaper rates.

If saving the most money on Acura RDX insurance in Henderson is your objective, then understanding how to choose a company and compare insurance can make it simple to find affordable coverage.

Buying the cheapest car insurance in Henderson can be much easier if you know how to start. If you're already insured or just want to save money, use these money-saving tips to reduce the price you pay without reducing protection. Smart shoppers just have to learn how to shop their coverage around from many different companies online.

The quickest method we recommend to compare insurance rates from multiple companies is to know car insurance companies have advanced systems to provide you with free rate quotes. All you need to do is give them some information like the make and model of your vehicles, how much coverage you want, types of safety features, and whether you drive to work or school. The rating information is then sent to multiple car insurance providers and they provide comparison quotes very quickly.

To start a rate quote now, click here and complete the form.

The companies shown below have been selected to offer quotes in Nevada. If you want to find cheap auto insurance in Nevada, we recommend you click on several of them to get the cheapest price.

Rates and data analysis

The coverage table below covers different insurance premium costs for Acura RDX models. Being aware of how policy premiums are determined can be valuable when making informed decisions.

Acura RDX Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $168 $252 $344 $20 $102 $886 $74
RDX AWD $168 $252 $344 $20 $102 $886 $74
RDX Technology Package 2WD $190 $298 $344 $20 $102 $954 $80
RDX Technology Package AWD $190 $298 $344 $20 $102 $954 $80
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Prices do not factor in garaging location in Henderson which can lower or raise prices greatly.

Comparison of policy deductibles

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The figures shown below highlight the price difference when you select higher and lower deductibles. The first rate estimation uses a $250 deductible and the second rate chart uses a $500 deductible.

Acura RDX insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $238 $402 $262 $16 $78 $1,021 $85
RDX AWD $238 $402 $262 $16 $78 $1,021 $85
RDX Technology Package 2WD $268 $472 $262 $16 $78 $1,121 $93
RDX Technology Package AWD $268 $472 $262 $16 $78 $1,121 $93
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Acura RDX insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $194 $324 $262 $16 $78 $874 $73
RDX AWD $194 $324 $262 $16 $78 $874 $73
RDX Technology Package 2WD $218 $382 $262 $16 $78 $956 $80
RDX Technology Package AWD $218 $382 $262 $16 $78 $956 $80
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Estimates do not factor in specific garaging location which can increase or decrease auto insurance rates substantially.

Using the premium rates above, we can conclude that using a $250 deductible will cost you about $12 more each month or $144 annually averaged for all RDX models than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you have at least 21 months between claim filings, you would probably save some money if you choose a higher deductible.

The illustration below illustrates how your choice of deductibles and can raise or lower Acura RDX insurance costs for each age group. The rate quotes are based on a married female driver, full coverage, and no discounts are applied.

Responsible drivers pay cheaper insurance rates

The information below shows how violations and accident claims can influence Acura RDX premium costs for each age group. The costs are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

Acura RDX annual premiums for males versus females

The illustration below visualizes the comparison of Acura RDX annual premium costs for male and female drivers. The premiums assume no claims, a clean driving record, full coverage, $500 deductibles, drivers are not married, and no other discounts are factored in.

Full coverage versus liability only rates

The example below shows the difference between Acura RDX yearly insurance costs when comparing full coverage to state minimum liability only. The rates are based on no tickets, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are applied to the premium.

When to stop buying comprehensive and collision coverage

There is no specific rule of when to exclude physical damage insurance, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than 10% of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let's pretend your Acura RDX replacement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $8,000 after the policy deductible has been paid. If it's costing you more than $800 a year for comprehensive and collision coverage, then it might be time to buy liability only.

There are some conditions where eliminating full coverage is not in your best interest. If you still owe money on your vehicle, you have to carry full coverage to protect the lienholder's interest. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.

Why you need Acura RDX insurance in Nevada

Even though it can be expensive, insurance is most likely required but also gives you several important benefits.

  • The majority of states have minimum mandated liability insurance limits which means you are required to buy a specific minimum amount of liability insurance coverage in order to be legal. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If your Acura has a lienholder, it's guaranteed your bank will force you to carry insurance to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the bank will be required to insure your Acura for a lot more money and require you to reimburse them much more than you were paying before.
  • Insurance protects not only your vehicle but also your assets. Insurance will also pay for many types of medical costs for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance will also pay for a defense attorney if you cause an accident and are sued. If mother nature or an accident damages your car, your insurance policy will pay all costs to repair after the deductible has been paid.

The benefits of buying enough insurance more than offset the price you pay, particularly if you ever have a claim. According to a recent study, the average American driver overpays more than $800 each year so compare rate quotes each time the policy renews to ensure rates are inline.

Choices You Make Can Impact Your Insurance Costs

A large part of saving on insurance is knowing the factors that help calculate the level of your policy premiums. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that could result in better insurance rates.

Bump up physical damage deductibles to lower rates - Physical damage protection, termed comprehensive and collision coverage on your policy, insures against damage to your Acura. A few examples of covered claims would be a broken windshield, damage caused by hail, and windstorm damage. Deductibles for physical damage tell how much you are willing to pay before a claim is paid by your company. The higher the amount you're willing to pay, the less money you will pay for insurance.

Stay claim-free and save - If you frequently file small claims, you can look forward to increased rates or even have your policy non-renewed. Companies in Nevada generally give cheaper rates to insureds that do not abuse their auto insurance. Insurance coverage is intended to be relied upon for larger claims.

Put fewer miles on your vehicle - The more you drive in a year's time the higher the price you pay to insure it. Almost all companies calculate prices based upon how you use the vehicle. Vehicles left parked in the garage receive lower rates than vehicles that have high annual mileage. It's a smart idea to ensure your declarations sheet shows the proper vehicle usage. Improper usage on your RDX may be wasting your money.

How much liability insurance do you need? - The liability coverage on your policy is the protection in the event that you are responsible for an accident. This coverage provides you with a defense in court to attempt to prove you were not liable. Liability is cheap compared to comp and collision, so drivers should carry high limits.

Acura RDX insurance loss statistics - Insurance companies use data from past claims to help calculate a profitable premium price. Models that historically have increased claim numbers or amounts will cost more for coverage.

The table shown below demonstrates the loss history for Acura RDX vehicles. For each coverage category, the statistical loss for all vehicles, as a total average, is equal to 100. Values that are 100 or less mean the vehicle has better than average losses, while values that are above 100 indicate more frequent claims or a tendency for claims to be larger.

Insurance Loss Ratings for Acura RDX Vehicles
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

Car insurance policy discounts you can't miss

Car insurance is expensive, but you might be missing out on some discounts that could help you make your next renewal payment. Some of these discounts will be visible at quote time, but some need to be manually applied prior to receiving the credit.Cheaper car insurance with discounts

  • Low Mileage Discounts - Fewer annual miles on your Acura may allow you to get slightly better car insurance rates than normal.
  • Military Deployment Discount - Having a family member in the military may lower your car insurance rates slightly.
  • Employee of Federal Government - Employees or retirees of the government could provide a small rate reduction with some car insurance companies.
  • Organization Discounts - Being in qualifying employment or professional organizations is a simple method to lower premiums on your next renewal.
  • ABS Braking Discount - Cars and trucks with ABS and/or traction control prevent accidents and therefore earn up to a 10% discount.
  • Auto/Home Discount - If you insure your home and vehicles with the same insurance company you could save 10% to 20% off each policy.
  • Good Students Pay Less - Maintaining excellent grades may save you up to 25%. You can use this discount normally up until you turn 25.
  • Air Bags and Passive Restraints - Vehicles with factory air bags or automatic seat belts may get savings up to 30%.
  • Distant Student - College-age children who are enrolled in a college that is more than 100 miles from Henderson and do not have a car could get you a discount.
  • Driving Data Discount - Insureds who allow driving data collection to spy on their driving habits by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm might see lower rates as long as they are good drivers.

Discounts lower rates, but most discounts do not apply to the entire cost. Most cut the cost of specific coverages such as medical payments or collision. So when the math indicates adding up those discounts means a free policy, you're out of luck.

The illustration below illustrates the comparison of Acura RDX auto insurance rates with and without some available policy discounts. The premium estimates are based on a male driver, no violations or accidents, Nevada state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, homeowner, claim-free, and multi-policy discounts applied.

Auto insurance companies that may offer quotes with most of the discounts above are:

When comparing rates, check with every prospective company which discounts can lower your rates. Savings might not be offered on policies everywhere.

Neighborhood insurance agents

Some consumers would rather visit with an insurance agent and often times that is recommended Most agents are trained to spot inefficiencies and help submit paperwork. The best thing about comparing car insurance online is that you can obtain lower rates and still have an agent to talk to.

Find insurance agent in HendersonAfter filling out this form (opens in new window), your information is instantly submitted to local insurance agents in Henderson who will gladly provide quotes and help you find cheaper coverage. It makes it easy because there is no need to drive around because prices are sent immediately to your email address. In the event you want to get a comparison quote from a specific insurance company, feel free to find their quoting web page and complete a quote there.

Selecting an insurance company should depend on more than just the price. Any agent in Henderson should be willing to answer these questions.

  • Will your rates increase after a single accident?
  • Who are their largest clients?
  • Do the agents have professional certifications like CPCU or CIC?
  • Do they have a Better Business Bureau rating in Henderson?
  • When do they do a full risk review?
  • How much can you save by raising your physical damage deductibles?
  • How are claims handled?
  • Does the company allow you to choose your own collision repair facility?

When narrowing the list to find local Henderson agents, it's important to understand the types of insurance agents that you can select. Car insurance agents can be categorized as either exclusive or independent. Both types of agents can sell and service car insurance coverage, but it's important to know the subtle differences because it can impact which type of agent you select.

Exclusive Agencies

Agents of this type generally can only insure with one company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents are unable to compare other company's rates so they are skilled at selling on more than just price. Exclusive agents are usually well trained on sales techniques and that allows them to sell at a higher price point.

Below are Henderson exclusive insurance agents who may provide you with rate quotes.

2986 St Rose Pkwy #150 - Henderson, NV 89052 - (702) 489-9999 - View Map

305 N Pecos Rd c - Henderson, NV 89074 - (702) 436-0200 - View Map

8955 S Pecos Rd #1b - Henderson, NV 89074 - (702) 750-9990 - View Map

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Independent Agents

These type of agents are not locked into one company and that gives them the ability to insure amongst many companies and get you the best rates possible. If prices rise, an independent agent can move your coverage and you won't have to switch agencies. If you are comparing car insurance prices, you definitely need to get quotes from a few independent agents for maximum quote selection.

The following are independent insurance agents in Henderson that are able to give price quote information.

All Star Insurance Agency
10120 S. Eastern Ave, Suite 200 - Henderson, NV 89052 - (702) 660-6618 - View Map

Carl R Forman Insurance Agency
70 E Horizon Ridge Pkwy - Henderson, NV 89002 - (702) 732-7675 - View Map

140 E Horizon Dr - Henderson, NV 89015 - (702) 558-8587 - View Map

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More quotes mean more auto insurance savings

In this article, we covered a lot of tips how to save on Acura RDX insurance in Henderson. It's most important to understand that the more quotes you get, the better likelihood of getting inexpensive Henderson auto insurance quotes. Consumers may even find the best car insurance rates are with some of the lesser-known companies. Some small companies often have lower premium rates on specific markets as compared to the big name companies such as Progressive or GEICO.

A few companies may not have the ability to get a quote online and most of the time these smaller companies prefer to sell through independent agents. More affordable auto insurance in Henderson can be bought both online as well as from independent agents in Henderson, and you should be comparing both to have the best chance of lowering rates.

Much more information about auto insurance in Nevada is located on the following sites: