Save Money on Acura RDX Insurance in Jacksonville

Surprisingly, a recent survey revealed that a large majority of drivers have stayed with the same insurance company for a minimum of four years, and just short of a majority have never shopped around. Many drivers in Florida could save an average of as much as $1,126 each year by just shopping around, but they just don’t understand how easy it is to shop around.

It takes a few minutes, but the best way to find the cheapest price for Acura RDX insurance in Jacksonville is to start comparing rates regularly from providers in Florida. You can shop around by following these guidelines.

First, spend some time learning about individual coverages and the modifications you can make to keep rates in check. Many things that result in higher prices like traffic citations, accidents, and poor credit can be improved by making minor changes in your lifestyle. Later in this article we will cover more information to help keep prices low and find discounts that may have been missed.

Second, request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from a single company like GEICO and State Farm, while independent agents can provide price quotes from multiple companies.

Third, compare the price quotes to your existing rates and see if you can save money. If you can save some money and decide to switch, make sure coverage does not lapse between policies.

A good piece of advice is to compare identical coverage information on every quote and and to get rates from every company you can. This helps ensure an accurate price comparison and a thorough selection of prices.

If you have a policy now, you stand a good chance to be able to cut your premiums using the concepts covered in this article. Our objective in writing this article is to help you learn the most effective ways to compare rates and how to save the most money. Nevertheless, Florida vehicle owners do need to learn how companies market on the web because rates fluctuate considerably.

Insurance coverage details

The premium information shown below showcases a range of insurance policy prices for Acura RDX models. Having a better idea how car insurance prices are calculated is important for making smart choices when buying a policy.

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Table data does not factor in garaging location in Jacksonville which can lower or raise premium rates considerably.

Comparison of policy deductibles

A question often asked by Jacksonville drivers is which comprehensive and collision deductibles to buy. The comparisons below can help you understand the rate differences when you choose different deductibles. The first data set uses a $100 deductible for comp and collision and the second pricing table uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Information does not factor in garaging location in Jacksonville which can affect premiums significantly.

We can estimate from the data above that using a $100 deductible will cost in the ballpark of $30 more each month or $360 a 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 normally go at least 13 months between claims, you would probably come out ahead if you opt for a higher deductible.

The chart below highlights how deductible selection and can influence Acura RDX insurance rates for different categories of driver ages. The data assumes a single female driver, full physical damage coverage, and no policy discounts are applied.

Responsible drivers pay cheaper Jacksonville auto insurance rates

The chart below shows how speeding tickets and at-fault collisions can increase Acura RDX annual premium costs for different insured age categories. The costs are based on a single female driver, full coverage, $100 deductibles, and no discounts are factored in.

Acura RDX insurance premiums by gender and age

The chart below illustrates the comparison of Acura RDX auto insurance costs for male and female drivers. The data assumes no tickets, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are applied.

Affordable rates by taking advantage of these ten discounts

Car insurance companies don’t always publicize all their discounts very clearly, so the following is a list of some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy Jacksonville car insurance online.

• Student Discount for Driver Training – Have your child participate in a local driver’s education class in high school.
• Theft Prevention System – Vehicles with anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
• Discount for Home Ownership – Being a homeowner can save a few bucks because maintaining a house is proof that your finances are in order.
• Pay Upfront and Save – If you can afford to pay the entire bill instead of making monthly payments you can avoid the installment charge.
• Membership in Organizations – Affiliation with a civic or occupational organization in Jacksonville may earn a discount on car insurance.
• Military Deployment Discount – Having a deployed family member may lower your premium rates slightly.
• Drive Safe and Save – Insureds who avoid accidents can save as much as half off their rates compared to rates paid by drivers with frequent claims.
• No Claim Discounts – Good drivers with no accidents get the best car insurance rates when compared to drivers with a long claim history.
• Anti-lock Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes have fewer accidents and the ABS can save up to 10%.
• Multiple Cars – Purchasing coverage when you have more than one vehicle on one policy can reduce rates for all insured vehicles.

As a footnote on discounts, most of the big mark downs will not be given to the entire policy premium. Some only reduce specific coverage prices like medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, it’s just not the way it works.

The diagram below illustrates the difference between Acura RDX annual premium costs with and without discounts applied to the rates. The premiums are based on a male driver, a clean driving record, no at-fault accidents, Florida 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, multi-car, claim-free, homeowner, marriage, and multi-policy discounts applied.

If you would like to view car insurance companies with significant discounts in Jacksonville, follow this link.

Car insurance policy coverages for an Acura RDX

Knowing the specifics of your policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on most car insurance policies.

Uninsured or underinsured coverage

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Acura RDX.

Because many people have only the minimum liability required by law (10/20/10), their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive protection

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like theft, a broken windshield, fire damage, hitting a deer and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for liability

Liability insurance protects you from injuries or damage you cause to people or other property. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 10/20/10 that means you have a $10,000 limit per person for injuries, a limit of $20,000 in injury protection per accident, and property damage coverage for $10,000.

Liability can pay for things like loss of income, medical expenses, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford. Florida requires minimum liability limits of 10/20/10 but you should consider buying more coverage.

The illustration below shows why minimum state limits may not be high enough to cover claims.

Medical expense coverage

Med pay and PIP coverage provide coverage for expenses for things like nursing services, doctor visits and ambulance fees. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a parking meter, sustaining damage from a pot hole, scraping a guard rail and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also raise the deductible on your RDX to get cheaper collision coverage.

Don’t give up on cheaper rates

More affordable auto insurance in Jacksonville is possible from both online companies as well as from insurance agents, and you should compare price quotes from both to have the best rate selection. Some companies may not provide online rate quotes and usually these small insurance companies only sell coverage through independent insurance agents.

As you go through the steps to switch your coverage, it’s a bad idea to sacrifice coverage to reduce premiums. In too many instances, someone dropped liability limits or collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your strategy should be to get the best coverage possible for the lowest cost and still be able to protect your assets.

Additional detailed information can be read in the articles below:

• Auto Crash Statistics (Insurance Information Institute)
• Who Has the Cheapest Jacksonville Car Insurance Quotes for Government Employees? (FAQ)
• What Auto Insurance is Cheapest for a Toyota RAV4 in Jacksonville? (FAQ)
• Who Has Cheap Jacksonville Auto Insurance for State Employees? (FAQ)
• Who Has Cheap Car Insurance Rates for Low Credit Scores in Jacksonville? (FAQ)
• Understanding Your Insurance Deductible (Insurance Information Institute)
• A Tree Fell on Your Car: Now What? (Allstate)