Compare Acura RDX Insurance Rates in Aurora

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Acura RDX insurance
Acura RDX insurance image courtesy of QuoteInspector.com

Discount Acura RDX insuranceIt's hard to fathom, but most auto insurance policyholders in Colorado have purchased from the same company for more than four years, and just under half have never even compared rates from other companies. Many drivers in the U.S. can save hundreds of dollars each year by just comparing quotes, but they just assume it's a time-consuming process to compare rate quotes online.

It takes a little time, but the best way to find discount car insurance rates is to compare quotes once a year from providers in Aurora. Rate comparisons can be done by following these guidelines.

  1. Take a few minutes and learn about auto insurance and the factors you can control to prevent rate increases. Many things that increase rates like traffic violations and a poor credit rating can be eliminated by improving your driving habits or financial responsibility. Keep reading for ideas to prevent high prices and find overlooked discounts.
  2. Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO and State Farm, while agents who are independent can give you price quotes for a wide range of companies.
  3. Compare the quotes to your current policy to see if cheaper RDX coverage is available. If you find a better price and switch companies, make sure there is no coverage gap between policies.
  4. Provide proper notification to your current company to cancel your current policy. Submit the required down payment along with the signed application to the new insurer. Be sure to place the new certificate verifying proof of insurance with the vehicle registration.

The key thing to remember is to use the same amount of coverage on every price quote and and to look at as many carriers as you can. This enables the most accurate price comparison and a complete price analysis.

If you currently have a car insurance policy, you will definitely be able to find better prices using this strategy. Locating the best rates in Aurora can be easy if you know a few tricks. Nevertheless, Colorado drivers need to learn how insurance companies calculate their prices and take advantage of how the system works.

Affordable Aurora insurance quotes with discounts

Insurance can be prohibitively expensive, but you may be missing some discounts to help bring down the price. Certain credits will be shown when you quote, but some may not be applied and must be inquired about prior to receiving the credit.

  • Discount for Passive Restraints - Vehicles equipped with air bags or automatic seat belts can get savings of more than 20%.
  • Low Miles Discount - Keeping the miles down on your Acura could earn lower prices due to less chance of an accident.
  • Discounts for Government Workers - Active or former government employment could cut as much as 10% off with some insurance companies.
  • Save over 55 - Older drivers may qualify for a small decrease in premiums.
  • Driver Education Discount - Require your teen driver to successfully complete driver's ed class in school.
  • Aurora Homeowners Discount - Just owning your own home can earn you a little savings because owning a home is proof that your finances are in order.
  • First Accident Forgiveness - Not necessarily a discount, but certain companies may permit one accident without getting socked with a rate hike with the catch being you have to be claim-free for a certain period of time.

One thing to note about discounts is that some of the credits will not apply to your bottom line cost. Most only cut the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, it doesn't quite work that way.

The example below visualizes the comparison of Acura RDX car insurance costs with and without discounts applied to the rates. The costs are based on a male driver, a clean driving record, no claims, Colorado state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-policy, multi-car, homeowner, and marriage discounts applied.

Auto insurance companies that may have many of the previously listed discounts may include but are not limited to:

When getting a coverage quote, ask every company to give you their best rates. Some of the earlier mentioned discounts might not be offered in your area.

Many insurance companies such as State Farm and Allstate allow consumers to get coverage prices on their websites. The process is quite simple as all you need to do is type in your coverage preferences on the page. When the form is submitted, their rating system collects your driving and credit reports and returns a price quote based on the information you submitted. Being able to quote online for Acura RDX insurance in Aurora makes it easy to compare insurance prices and it's very important to have as many quotes as possible in order to get the best possible rates on auto insurance.

To get comparison pricing now, compare quotes from the companies shown below. If you currently have coverage, we recommend you type in your coverages identical to your current policy. This way, you will be getting a rate comparison for exact coverage.

The providers in the list below have been selected to offer comparison quotes in Colorado. If you wish to find the best cheap car insurance in Colorado, we suggest you visit several of them in order to find the most competitive rates.

Insurance coverage details

The rate table shown below showcases a range of coverage prices for Acura RDX models. Learning a little about how policy rates are calculated can help customers make decisions on the best policy coverages.

Acura RDX Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $294 $536 $304 $18 $92 $1,244 $104
RDX AWD $294 $536 $304 $18 $92 $1,244 $104
RDX Technology Package 2WD $330 $630 $304 $18 $92 $1,374 $115
RDX Technology Package AWD $330 $630 $304 $18 $92 $1,374 $115
Get Your Own Custom Quote Go

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rates do not factor in specific zip code location which can influence coverage rates substantially.

Choosing deductibles

When buying auto insurance, a common question is how high should the deductibles for physical damage be. The figures shown below summarize the cost difference when you choose different physical damage coverage deductibles. The first set of rates uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.

Acura RDX insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $272 $458 $298 $18 $90 $1,161 $97
RDX AWD $272 $458 $298 $18 $90 $1,161 $97
RDX Technology Package 2WD $306 $538 $298 $18 $90 $1,275 $106
RDX Technology Package AWD $306 $538 $298 $18 $90 $1,275 $106
Get Your Own Custom Quote Go
Acura RDX insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $220 $368 $298 $18 $90 $994 $83
RDX AWD $220 $368 $298 $18 $90 $994 $83
RDX Technology Package 2WD $250 $434 $298 $18 $90 $1,090 $91
RDX Technology Package AWD $250 $434 $298 $18 $90 $1,090 $91
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Information does not factor in vehicle garaging location which can modify premiums substantially.

Based on the data above, we can derive that using a $250 deductible costs roughly $15 more each month or $180 each year averaged for all RDX models than choosing the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you have at least 17 months between claims, you would more than likely save some money if you opt for a higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $102
Average monthly premium for $500 deductibles (subtract): - $87
Monthly savings from raising deductible: $15
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

The information below shows how choosing a deductible and can influence Acura RDX insurance costs for different age groups of insureds. The premiums assume a married female driver, comprehensive and collision coverage, and no policy discounts are applied.

Rate comparison of full coverage and liability-only

The diagram below shows the comparison of Acura RDX car insurance rates with full coverage compared to only the Colorado minimum liability coverage. The costs are based on no claims or violations, $100 deductibles, single status, and no discounts are applied.

When to stop buying full coverage

There is no clear-cut rule for phasing out comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let's assume your Acura RDX replacement cost is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $3,000 after you pay the deductible. If it's costing you more than $300 a year to have full coverage, then it's probably a good time to buy liability coverage only.

There are some conditions where dropping full coverage is not a good plan. If you still have a 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 if your current one is damaged, you should not remove full coverage.

How Insurance Providers Calculate Acura RDX Insurance Costs

A large part of saving on car insurance is knowing the factors that go into determining your policy premiums. If you understand what determines premiums, this helps enable you to make changes that may result in better car insurance rates.

Shown below are just a few of the factors car insurance companies consider when setting your premiums.

Get better prices after the wedding - Having a wife or husband can get you a discount on your car insurance bill. Having a significant other may mean you are more mature and it's proven that married drivers tend to file fewer claims.

Rates may be lower depending on your vocation - Occupational choices like fire fighters, executives, and medical professionals generally pay higher premiums than the average policyholder attributed to intense work requirements and lengthy work days. Conversely, careers such as professors, engineers and performers get better rates.

Tickets and citations cost more than a fine - Being a careful driver impacts premiums far more than you think. Attentive drivers receive lower rates compared to bad drivers. Having just one citation can increase rates by twenty percent. Drivers who have received multiple violations such as DWI, reckless driving or hit and run convictions may find that they have to to file a SR-22 to the state department of motor vehicles in order to keep their license.

The diagram below illustrates how violations and accident claims can increase Acura RDX insurance prices for each age group. The costs are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are applied.

Do men or women drive better? - Statistics have proven that females take fewer risks when driving. However, this does not mean females are better drivers. Females and males tend to get into auto accidents in similar percentages, but the males get into accidents with more damage. Not only are claims higher, but men get more serious tickets such as reckless driving.

The illustration below shows the difference between Acura RDX car insurance costs for male and female drivers. The premiums are based on no accidents, no driving violations, full physical damage coverage, $500 deductibles, drivers are single, and no policy discounts are applied.

Allowing your coverage to lapse raises rates - Having an insurance coverage lapse will be a sure-fire way to drive up your policy premiums. And not only will your rates increase, being ticketed for driving with no insurance could result in a license revocation or jail time.

Liability is cheap - A critical coverage on your policy, liability insurance provides coverage if you are found liable for an accident. Your policy's liability insurance provides legal defense coverage which can cost thousands of dollars. Liability is cheap when compared to the cost of physical damage coverage, so do not skimp.

You might want pay the small policy claims yourself - If you file a lot of claims you shouldn't be surprised to get either policy cancellation or increased premiums. Insurance companies in Colorado generally give most affordable rates to people who are claim-free. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.

What type of vehicle do you drive? - The make and model of the vehicle you are insuring makes a significant difference in your auto insurance rates. The most favorable rates are generally reserved for economy passenger cars, but there are many factors that impact the final cost.

The chart below is based on a married male driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It compares Acura RDX insurance premiums compared to other models that have different risk factors.

Insurance loss statistics an Acura RDX - Auto insurance companies use historical loss data in order to profitably underwrite each model. Vehicles that the data determines to have higher prevalence or dollar amount of losses will cost more for specific coverages.

The table below illustrates the insurance loss data used by companies for Acura RDX vehicles. For each coverage type, the loss probability for all vehicles averaged together is represented as 100. Numbers under 100 suggest losses that are better than average, while numbers above 100 indicate frequent claims or an increased chance of a larger loss.

Acura RDX Insurance Claim Statistics
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
BETTER
AVERAGE
WORSE

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

How do I know if I need professional advice?

When quoting and comparing adequate coverage for your personal vehicles, there really isn't a single plan that fits everyone. Each situation is unique so your insurance should reflect that These are some specific questions could help you determine whether or not you could use an agent's help.

  • Am I covered if I break a side mirror?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What does medical payments coverage do?
  • Is pet coverage available?
  • Can I afford low physical damage deductibles?
  • What can I do if my company denied a claim?
  • Am I covered when driving someone else's vehicle?
  • What is an SR-22 filing?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

What if I want to buy from local Aurora car insurance agents?

Certain consumers would prefer to talk to a local agent and there is nothing wrong with that. One of the great benefits of comparing rates online is that you can obtain cheap insurance quotes and still buy from a local agent.

To find an agent, once you fill out this simple form, your insurance data is immediately sent to companies in Aurora that can give you free Aurora car insurance quotes for your business. You don't have to leave your computer as quotes are delivered straight to your inbox. You'll get the best rates and a licensed agent to talk to. If you need to get a price quote for a specific company, just find their quoting web page and submit a quote form there.

Deciding on an company should depend on more than just a cheap price. These are some valid questions you should ask.

  • If your car is in the repair shop, do you have coverage for a rental car?
  • What insurance companies do they work with in Aurora?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Do they carry Errors and Omissions coverage?
  • Does their agency support local causes in Aurora?
  • Do they feel the quoted coverages are adequate?
  • Do they have designations such as AIC, CPCU, or CIC?

The following is a short list of insurers in Aurora that can give you comparison quotes for Acura RDX insurance in Aurora.


15037 E Colfax Ave k - Aurora, CO 80011 - (303) 340-8849 - View Map


2222 S Fraser St Unit 4 - Aurora, CO 80014 - (303) 368-5839 - View Map


15200 E Girard Ave Ste 4025 - Aurora, CO 80014 - (303) 696-2698 - View Map


9801 E Colfax Ave - Aurora, CO 80010 - (303) 344-1175 - View Map

More Aurora agents

Buying the right Acura RDX insurance in Colorado is an important decision

Despite the high cost, insurance may not be optional for several reasons.

  • Almost all states have minimum mandated liability insurance limits which means the state requires specific limits of liability insurance if you don't want to risk a ticket. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
  • If you have a lien on your RDX, almost all lenders will make it a condition of the loan that you have full coverage to guarantee loan repayment. If you do not keep the policy in force, the bank will be required to insure your Acura for a lot more money and force you to pay for it.
  • Car insurance preserves not only your Acura but also your assets. It will also reimburse you for many types of medical costs for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, will also pay attorney fees in the event you are sued. If damage is caused by hail or an accident, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.

The benefits of having insurance greatly outweigh the cost, especially with large liability claims. An average driver in America overpays as much as $830 a year so compare rate quotes each time the policy renews to help ensure money is not being wasted.

Aurora auto insurance companies ranked

Buying coverage from a high-quality car insurance provider can be challenging considering how many companies provide coverage in Aurora. The ranking data in the next section can help you select which auto insurers to look at when comparing rate quotes.

Top 10 Aurora Car Insurance Companies Ranked by Customer Service

  1. GEICO
  2. State Farm
  3. The Hartford
  4. The General
  5. Progressive
  6. Allstate
  7. AAA Insurance
  8. American Family
  9. Nationwide
  10. Travelers

Top 10 Aurora Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. AAA Insurance
  7. State Farm
  8. Nationwide
  9. Safeco
  10. Esurance

Persistent drivers can save

We've covered a lot of techniques to find lower-cost Acura RDX insurance in Aurora. It's most important to understand that the more rate quotes you have, the better likelihood of getting cheaper Aurora car insurance quotes. You may even discover the best car insurance rates are with the smaller companies. These companies can often provide lower premium rates in certain areas than the large multi-state companies such as Progressive or GEICO.

As you go through the steps to switch your coverage, don't be tempted to sacrifice coverage to reduce premiums. Too many times, an insured cut full coverage and discovered at claim time that the small savings ended up costing them much more. The goal is to purchase a proper amount of coverage at the lowest possible cost but still have enough coverage for asset protection.

Additional detailed information can be read at these sites: