Save Money on Acura RDX Insurance in Scottsdale

Trying to find cheaper insurance for your Acura RDX in Arizona could be an all-consuming task, but you can learn our auto insurance buying tips and make it easy.

There are both good and bad ways to compare auto insurance rates and you need to know the quickest way to quote coverages for your Acura and find the best price possible either online or from Scottsdale insurance agents.

You should take the time to quote other rates yearly since insurance rates trend upward over time. Even if you think you had the best premium rates on Acura RDX insurance in Scottsdale a couple years back there is a good chance you can find better prices now. There is lot of inaccurate information about RDX insurance online, but in this article, you’re going to get some proven techniques to find affordable auto insurance in Scottsdale.

Insurance Cost Influencing Factors

Lots of things are considered when you get a price on insurance. Some factors are common sense like an MVR report, but others are not quite as obvious like your vehicle usage or your vehicle rating.

The list below includes most of the major factors used by your company to calculate your premiums.

More traffic means higher claims – Having an address in areas with lower population can save you money when it comes to car insurance. Residents of big cities have more aggressive driving styles and more time behind the wheel. Less people translates into fewer accident claims and lower theft and vandalism rates.

Lower rates for safer vehicles – Vehicles that have high safety ratings tend to be cheaper to insure. Vehicles engineered for safety protect occupants better and reduced instances of injuries means your insurance company pays less and thus lower rates. If your Acura RDX has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.

Higher car insurance rates for car insurance policy lapses – Driving your car without having proper coverage is a misdemeanor and your next policy will cost more because you let your insurance lapse for non-payment. In addition to paying higher rates, the inability to provide proof of insurance may result in a license revocation or jail time. You may then have to submit proof of financial responsibility or a SR-22 with the Arizona department of motor vehicles.

Lower rates by increasing physical damage deductibles – 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 colliding with a building, damage from fire, and having your car stolen. The deductibles represent how much money you are required to spend before your car insurance pays a claim. The more expense you have to pay, the better rate you will receive.

Pay more by driving carelessly – Having a clean driving record can have a huge impact on auto insurance premiums. Getting just one driving citation may increase your cost substantially. Drivers who don’t get tickets get better prices as compared to careless drivers. Drivers who have flagrant violations such as reckless driving or DUI may need to file a SR-22 with their state’s licensing department in order to prevent a license revocation.

The chart below illustrates how traffic citations and at-fault accidents can impact Acura RDX yearly insurance costs for different age groups of insureds. The price estimates are based on a single female driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.

Minor frequent policy claims are not good – Car insurance companies in Arizona give the best rates to policyholders who do not file claims often. If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

Know your credit history – Having a good credit score will be a significant factor in calculating your premium rate. Therefore, if your credit history can be improved, you could save money insuring your Acura RDX if you improve your credit rating. People with high credit ratings tend to be more responsible and file fewer claims than drivers who have bad credit.

Acura RDX claim probability – Car insurance companies use data from past claims as a way to help calculate a profitable premium price. Models that the statistics show to have higher losses will have higher rates. The information below illustrates the collected loss data for Acura RDX vehicles.

For each policy coverage type, the claim amount for all vehicles compiled together is equal to 100. Values that are below 100 imply a favorable loss record, while values that are above 100 point to more losses or larger claims.

Many insurance companies like State Farm, Allstate and GEICO make it easy to get price estimates directly from their websites. This process is easy for anyone as you simply type in your required coverages into the quote form. Behind the scenes, the system gets your driving and credit reports and quotes a price based on these and other factors.

The ability to get online price quotes for Acura RDX insurance in Scottsdale simplifies rate comparisons, and it’s necessary to compare as many rates as possible if you are searching for lower-cost rates.

To find out what other companies charge, compare rates from the companies below. If you have a policy now, it’s recommended that you enter the limits and deductibles identical to your current policy. This guarantees you will have a price comparison for exact coverage.

The companies shown below have been selected to offer free rate quotes in Scottsdale, AZ. If your goal is to find cheaper car insurance in Arizona, we recommend you visit two to three different companies to get a more complete price comparison.

Facts and figures for Acura RDX insurance

The rate information displayed below showcases estimates of coverage costs for Acura RDX models. Having a good grasp of how auto insurance prices are formulated can help you make decisions when shopping your coverage around.

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium amounts do not factor in specific Scottsdale garaging location which can decrease or increase insurance rates significantly.

Physical damage deductibles

One frequently asked question is where should you set your physical damage deductibles. The figures shown below lay out how much more rates are between high and low physical damage deductibles. The first rate table uses a $100 physical damage deductible and the second rate table uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Price estimates do not factor in Scottsdale location which can change premium 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 annually averaged for all RDX models than opting for the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 28 months between claim filings, you would probably be better off if you choose a higher deductible.

The example below shows how choosing a deductible and can impact Acura RDX insurance premiums for different ages of insureds. Data assumes a single male driver, comp and collision included, and no discounts are applied to the premium.

Why you need quality insurance for your RDX

Even though it can be expensive, paying for insurance serves several important purposes.

• Almost all states have mandatory insurance requirements which means the state requires specific minimum amounts of liability in order to license the vehicle. In Arizona 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 loan, almost every bank will require that you have full coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the lender may have to buy a policy to insure your Acura for a much higher rate and force you to pay for the much more expensive policy.
• Insurance safeguards your Acura RDX and your assets. It will also cover medical transport and hospital expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay to defend you if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.

The benefits of insuring your RDX definitely exceed the price paid, especially when you need to use it. The average driver in America is overpaying more than $810 a year so you should quote your policy with other companies each time the policy renews to ensure rates are inline.

Insurance policy discounts for Acura RDX insurance in Scottsdale

Insurance is not an enjoyable expense, but you may be missing some discounts that you may not even know about. Certain credits will be shown at the time of purchase, but once in a while a discount must be asked for before you will receive the discount.

• Discounts for New Vehicles – Buying a new car model can save you some money compared to insuring an older model.
• Smart Student Discounts – Getting good grades could provide a savings of up to 20% or more. Earning this discount can benefit you until age 25.
• Claim-Free Discount – Claim-free drivers can earn big discounts as opposed to bad drivers.
• Discounts for Cautious Drivers – Drivers who avoid accidents may receive a discount up to 45% as compared to drivers with claims.
• Switch and Save Discount – A few companies allow discounts for signing up early. Ten percent is about the average savings.
• Defensive Driver Discounts – Completing a safe driver course could earn you a small percentage discount and easily recoup the cost of the course.
• Distant Student – Youth drivers who are enrolled in a college that is more than 100 miles from Scottsdale and do not have access to a covered vehicle can be insured at a reduced rate.
• Club Memberships – Having an affiliation with specific professional or occupational memberships or organizations may earn a discount on insurance.
• Home Ownership Discount – Owning a house in Scottsdale may trigger a policy discount on insurance because maintaining a house shows financial diligence.
• Theft Deterrent Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and qualify for as much as a 10% discount.

Just know that most credits do not apply to the entire policy premium. Most only cut individual premiums such as comp or med pay. So when it seems like you can get free auto insurance, insurance companies aren’t that generous. But all discounts will definitely reduce your insurance premiums.

The illustration below illustrates the difference between Acura RDX insurance premiums with and without discounts applied to the policy premium. The rates are based on a female driver, no claims or driving citations, Arizona 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 marriage, safe-driver, multi-car, claim-free, homeowner, and multi-policy discounts applied.

To locate companies that have a full spectrum of discounts in Scottsdale, click this link.

Insurance agent or online?

Many drivers just want to buy from a licensed agent and doing that can be a smart decision Agents are trained risk managers and help file insurance claims. The biggest benefit of comparing rates online is that drivers can save money and get cheap car insurance rates but also keep your business local. Buying from small agencies is still important in Scottsdale.

To find an agent, once you fill out this form (opens in new window), your coverage information is submitted to participating agents in Scottsdale that provide free Scottsdale car insurance quotes for your business. It simplifies rate comparisons since you won’t have to leave your house as quotes are delivered straight to your inbox. If you need to get a price quote from one company in particular, you can always jump over to their website to submit a rate quote request.

If you are searching for a local Scottsdale insurance agency, you should know the types of agencies to choose from. Car insurance agencies may be either independent or exclusive. Both properly insure your vehicles, but it’s worth learning the difference between them since it could factor into buying decisions.

Independent Car Insurance Agencies

Independent insurance agents do not have single company limitations so they can quote policies amongst many companies and possibly get better coverage at lower prices. If they find a cheaper price, they simply move your policy to a different company and you don’t have to find a new agent. When comparing car insurance prices, we highly recommend that you include several independent agencies in order to have the best price comparison. They also have the ability to place coverage with different regional companies which may provide better rates.

Shown below are Scottsdale independent insurance agents that can give you free price quotes.

• Vanyo Insurance Group
  8040 E Morgan Trail #5A – Scottsdale, AZ 85258 – (480) 998-4014 – View Map
• Good’s Insurance Agency, Inc. – South West
  33725 N Scottsdale Rd #125h – Scottsdale, AZ 85266 – (877) 208-6690 – View Map
• JVP Insurance Agency
  10025 E Dynamite Blvd – Scottsdale, AZ 85262 – (480) 473-3100 – View Map

More Scottsdale agents

Exclusive Agents

Agents that elect to be exclusive write business for a single company like Allstate, Farmers Insurance or State Farm. They generally cannot provide rate quotes from other companies so always compare other rates. Exclusive agencies are highly trained on their company’s products which can be an advantage. Some consumers prefer to buy from the same agent for years partially due to loyalty to the company instead of buying on price only.

Listed below is a short list of exclusive agents in Scottsdale that are able to give comparison quotes.

• Dan Vukovic – State Farm Insurance Agent
  7077 E Bell Rd #207 – Scottsdale, AZ 85254 – (480) 949-5433 – View Map
• Matt Funicello – State Farm Insurance Agent
  8102 E McDowell Rd #1b – Scottsdale, AZ 85257 – (480) 994-4304 – View Map
• Shar Roos – State Farm Insurance Agent
  9393 N 90th St Ste 108C – Scottsdale, AZ 85258 – (480) 478-6968 – View Map

More Scottsdale agents

Finding the right insurance agency requires you to look at more than just a cheap price quote. Any agent in Scottsdale should be willing to answer these questions.

• Which insurance company do they prefer to write with?
• Do they get paid more for recommending certain coverages?
• What is the financial rating for the quoted company?
• Is the agent and/or agency licensed to do business in Arizona?
• Is vehicle mileage a factor when determining depreciation for repairs?
• Did they already check your driving record and credit reports?
• How long have they been in business?

Situations that may require an agent’s advice

When buying a policy for your vehicles, there really is not a best way to insure your cars. Every insured’s situation is different and your auto insurance should unique, too.
For example, these questions can help discover whether or not you may require specific advice.

• Does car insurance cover theft of personal property?
• Why is insurance for a teen driver so high in Scottsdale?
• How much coverage applies to personal belongings?
• How high should deductibles be on a Acura RDX?
• Can I use my car for my catering business?
• Should I buy additional glass protection?
• How do I insure my teen driver?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.

Cheaper car insurance premiums are possible

We just presented many ideas to find affordable Acura RDX insurance in Scottsdale. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers may even find the best price on car insurance is with a small local company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Progressive or GEICO.

While you’re price shopping online, make sure you don’t skimp on coverage in order to save money. In many instances, an insured cut collision coverage only to find out that they should have had better coverage. Your goal should be to buy enough coverage at an affordable rate while still protecting your assets.

How to find affordable quotes for Acura RDX insurance in Scottsdale

The easiest way to get low-cost auto insurance rates in Scottsdale is to regularly compare quotes from insurance carriers who sell auto insurance in Arizona.

• Step 1: Try to comprehend what is in your policy and the measures you can control to keep rates down. Many rating factors that increase rates such as careless driving and a less-than-favorable credit score can be controlled by making minor changes in your lifestyle.
• Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like Progressive or State Farm, while independent agents can provide prices from many different companies.
• Step 3: Compare the quotes to your existing rates and determine if cheaper RDX coverage is available. If you can save money and change companies, make sure coverage is continuous and does not lapse.
• Step 4: Provide adequate notice to your current company of your intention to cancel your current policy and submit payment along with a signed and completed policy application to the new company. Once coverage is bound, put the proof of insurance certificate with your vehicle’s registration.

A good piece of advice is to use identical deductibles and limits on each price quote and and to get prices from as many car insurance companies as possible. Doing this ensures the most accurate price comparison and the best price selection.

For more information, take a look at the resources below:

• Can I Drive Legally without Insurance? (Insurance Information Institute)
• What Insurance is Cheapest for Immigrants in Scottsdale? (FAQ)
• How Much are Auto Insurance Quotes for Retired Military in Scottsdale? (FAQ)
• How Much is Auto Insurance for a Jeep Grand Cherokee in Scottsdale? (FAQ)
• Preventing Carjacking and Theft (Insurance Information Institute)
• Eight Auto Insurance Myths (Insurance Information Institute)