Cheap Rates for Acura RDX Insurance in Santa Ana

Acura RDX insurance rates image courtesy of QuoteInspector.com

Are you looking for lower-priced car insurance rates in Santa Ana, CA? Santa Ana buyers have a choice when searching for affordable Acura RDX insurance. You can either spend your time calling around to get rate comparisons or use the internet to make rate comparisons. There is a better way to shop for car insurance so we're going to tell you the proper way to price shop coverage for a new or used Acura and find the lowest possible price from Santa Ana insurance agents and online providers.

It's important to quote other rates yearly since prices change frequently. Despite the fact that you may have had the lowest quotes on Acura RDX insurance in Santa Ana a few years ago you can probably find a better rate now. Forget all the misinformation about car insurance because we're going to show you the things you must know in order to save money, get proper coverage and the best rates.

If you are already insured or are shopping for new coverage, use these cost-cutting techniques to reduce the price you pay and possibly find even better coverage. These tips will instruct you on the most effective ways to compare rates and some tips to save money. Shoppers just have to know the fastest way to shop from many different companies.

Acura RDX insurance discounts in Santa Ana

Companies that sell car insurance don't always advertise every policy discount very clearly, so below is a list a few of the more common as well as the least known credits available to you.

• Santa Ana Homeowners Discount - Simply owning a home can help you save on insurance because of the fact that having a home demonstrates responsibility.
• Passenger Safety Discount - Factory options such as air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
• Auto/Life Discount - Not all insurance carriers offer life insurance, but some may give you a lower price if you buy a life insurance policy as well.
• Senior Discount - Drivers over the age of 55 are able to get lower premium rates.
• Good Students Pay Less - Performing well in school could provide a savings of up to 20% or more. Most companies allow this discount up until you turn 25.
• Seat Belts Save - Using a seat belt and requiring all passengers to buckle up could cut 10% or more on the premium charged for medical payments and/or PIP.
• Discount for Swiching Early - Select companies give a discount for renewing your policy prior to your current RDX insurance policy expiration. This can save 10% or more.
• Active Military Service - Having a family member in the military could be rewarded with lower prices.
• Theft Deterrent - Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency and will qualify for a discount on a Santa Ana car insurance quote.
• Accident Forgiveness - This one is not really a discount per se, but certain companies allow you one accident before your rates go up if you have no claims for a set time period.

A little disclaimer on discounts, some of the credits will not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, insurance companies wouldn't stay in business. Any amount of discount should help lower the premium cost.

The chart below compares Acura RDX auto insurance costs with and without discounts applied to the premium. The data is based on a female driver, no accidents, no driving violations, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-car, multi-policy, marriage, and homeowner discounts applied.

To see a list of insurers who offer discounts in Santa Ana, click here to view.

Cutting your Santa Ana insurance rates is surprisingly easy. All you need to do is spend a few minutes on the computer to compare rate quotes online with multiple companies.

The providers in the list below offer free quotes in California. If multiple companies are shown, we recommend you click on several of them in order to get a fair rate comparison.

Acura RDX coverage analysis

The rate information shown below highlights estimates of insurance premium costs for Acura RDX models. Being able to understand how car insurance premiums are established is important for you to make informed decisions when comparing rate quotes.

Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Prices do not factor in the specific area where the vehicle is garaged which can influence insurance rates greatly.

Policy deductibles

When comparing auto insurance rates, the most common question is which comprehensive and collision deductibles to buy. The tables below outline the price difference when you select higher and lower comp and collision deductibles. The first pricing table uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Price information does not factor in the specific area where the vehicle is garaged which can increase or decrease coverage rates greatly.

We can estimate from the data above that using a $100 deductible could cost the average driver approximately $32 more each month or $384 every year than choosing the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you have at a minimum 13 months between claim filings, you would probably save some money if you decide on a higher deductible.

How accidents and violations affect rates

The diagram below highlights how traffic violations and fender-benders can influence Acura RDX car insurance rates for different insured age categories. The premiums assume a single female driver, comp and collision included, $500 deductibles, and no discounts are applied.

Comparison of auto insurance rates by gender

The illustration below illustrates the difference between Acura RDX insurance rates for male and female drivers. The rates are based on no accidents or driving violations, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are applied to the premium.

How much more does full coverage cost?

The diagram below shows the comparison of Acura RDX auto insurance costs with and without physical damage coverage. The price estimates are based on a clean driving record, no at-fault accidents, $500 deductibles, marital status is single, and no other discounts are factored in.

Should you pay for full coverage?

There is no specific rule to eliminate full coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let's assume your Acura RDX replacement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $4,000 after paying your policy deductible. If you are currently paying more than $400 annually to have full coverage, then you may need to consider dropping full coverage.

There are a few cases where removing full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage.

Insurance can be complex

When it comes to adequate coverage, there really is no single plan that fits everyone. Every situation is different so your insurance needs to address that. These are some specific questions may help highlight whether or not you might need professional guidance.

• When should I not buy collision coverage?
• Do I need replacement cost coverage?
• When should I remove my kid from my policy?
• Does having multiple vehicles earn me a discount?
• Am I covered while delivering pizza?
• Is my custom stereo system covered?
• Does my medical payments coverage pay my health insurance deductible?
• Should I have combined single limit or split liability limits?
• Are there any extra discounts I can get?

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It's fast, doesn't cost anything and can provide invaluable advice.

Insurance is available from local insurance agents

Some people would prefer to talk to an insurance agent and often times that is recommended Professional insurance agents can make sure you are properly covered and give you someone to call. An additional benefit of comparing rates online is you can get cheaper premium rates but still work with a licensed agent.

Once you complete this quick form, your coverage information is sent to companies in Santa Ana who will give you quotes and help you find cheaper coverage. It makes it easy because there is no need to visit any agencies due to the fact that quote results will go to you directly. In the event you want to get a price quote from a specific insurance provider, don't hesitate to search and find their rate quote page and fill out the quote form the provide.

Deciding on a insurance company requires you to look at more than just the price. Any agent in Santa Ana should have no problem answering these questions:

• Is the agency active in community causes in Santa Ana?
• Where are claims handled?
• Does the company allow you to choose your own collision repair facility?
• If you have an accident, will your rates go up?
• Are there any hidden costs in their price quote and does it include driving and credit history?
• Do they make recommendations based only on price?
• Does the quote include credit and driving reports?
• Are there any discounts that you might be missing?

Coverages available on your policy

Understanding the coverages of a auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages available from auto insurance companies.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle's occupants as well as your vehicle's damage.

Because many people have only the minimum liability required by law (15/30/5), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive protection

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from getting keyed and damage from flooding. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision protection

This covers damage to your RDX resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It's also possible to choose a higher deductible on your RDX to save money on collision insurance.

Liability insurance

Liability coverage provides protection from injuries or damage you cause to other people or property. It protects YOU from legal claims by others. Liability doesn't cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 15/30/5 which stand for $15,000 in coverage for each person's injuries, a limit of $30,000 in injury protection per accident, and a limit of $5,000 paid for damaged property.

Liability coverage pays for things such as emergency aid, repair bills for other people's vehicles, legal defense fees, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible. California state law requires minimum liability limits of 15/30/5 but drivers should carry higher limits.

The illustration below demonstrates why buying the state minimum limits may not be high enough to adequately cover claims.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as chiropractic care, pain medications, nursing services and surgery. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Cheap insurance is out there

Lower-priced Acura RDX insurance in Santa Ana can be bought both online as well as from insurance agents, so you should compare both to get a complete price analysis. There are still a few companies who may not offer internet price quotes and many times these small, regional companies only sell through local independent agencies.

You just learned some good ideas how to find lower-cost Acura RDX insurance in Santa Ana. It's most important to understand that the more times you quote, the better likelihood of getting affordable Acura RDX insurance quotes. You may even be surprised to find that the lowest priced insurance comes from a smaller regional carrier. Regional companies may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

Steps to finding affordable Acura RDX insurance in Santa Ana

The best way we recommend to save on auto insurance rates is to regularly compare quotes from companies that sell auto insurance in Santa Ana.

1. Gain an understanding of how companies price auto insurance and the modifications you can make to lower rates. Many risk factors that result in higher rates such as traffic tickets, fender benders, and a substandard credit history can be remedied by making small lifestyle or driving habit changes.
2. Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like GEICO or Allstate, while independent agents can provide rate quotes from many different companies.
3. Compare the quotes to your current policy premium and determine if cheaper RDX coverage is available in Santa Ana. If you find a better price, make sure the effective date of the new policy is the same as the expiration date of the old one.
4. Give proper notification to your current agent or company to cancel your current coverage and submit payment and a completed application to your new company or agent. Once coverage is bound, keep the new certificate verifying proof of insurance with your registration paperwork.

The critical component of shopping around is to try to compare the same physical damage deductibles and liability limits on each price quote and and to get quotes from every insurance company. Doing this helps ensure a level playing field and and a good selection of different prices.

Additional articles

• Auto Insurance for Teen Drivers (Insurance Information Institute)
• Who Has the Cheapest Auto Insurance Quotes for Teenagers in Santa Ana? (FAQ)
• What Car Insurance is Cheapest for Inexperienced Drivers in Santa Ana? (FAQ)
• Who Has Affordable Santa Ana Car Insurance Rates for Real Estate Agents? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for Handicapped Drivers in Santa Ana? (FAQ)
• Who Has Cheap Auto Insurance Quotes for a Jeep Wrangler in Santa Ana? (FAQ)
• Teen Driving Statistics (GEICO)
• Rollover Crash FAQ (iihs.org)
• What to do at the Scene of an Accident (Insurance Information Institute)