Acura RDX Insurance Quotes in Long Beach

Insurance quote for Acura RDX in Long BeachTruthfully, the best way to get affordable Acura RDX insurance is to do an annual price comparison from insurance carriers that sell auto insurance in Long Beach. Rate comparisons can be done by completing these steps.

One thing to remember is to compare similar coverage information on every quote and and to look at as many different companies as possible. This helps ensure a fair price comparison and many rates to choose from.

It’s astonishing, but almost 70% of drivers kept their policy with the same company for at least four years, and nearly 40% of drivers have never shopped around. With the average auto insurance premium being $1,400, Long Beach drivers can save approximately 35% each year, but most tend to underestimate the big savings they would realize if they just switched companies.

The following companies can provide free quotes in Long Beach, CA. If multiple companies are listed, we recommend you get prices from several of them in order to find the most affordable rates.

Insurance rate breakdown

The coverage table displayed below showcases a range of coverage prices for Acura RDX models. Understanding how insurance quotes are formulated can be useful when making smart choices when comparing insurance quotes.

Acura RDX Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $206 $416 $454 $26 $136 $1,238 $103
RDX AWD $206 $416 $454 $26 $136 $1,238 $103
RDX Technology Package 2WD $234 $490 $454 $26 $136 $1,340 $112
RDX Technology Package AWD $234 $490 $454 $26 $136 $1,340 $112
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rate information does not factor in specific location which can raise or lower coverage rates significantly.

Higher deductibles lower rates

One of the more difficult decisions when buying insurance is where should you set your physical damage deductibles. The tables below approximate the rate difference between high and low comp and collision deductibles. The first rate table uses a $250 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Acura RDX insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $342 $576 $376 $22 $112 $1,453 $121
RDX AWD $342 $576 $376 $22 $112 $1,453 $121
RDX Technology Package 2WD $386 $678 $376 $22 $112 $1,599 $133
RDX Technology Package AWD $386 $678 $376 $22 $112 $1,599 $133
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Acura RDX insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $278 $464 $376 $22 $112 $1,252 $104
RDX AWD $278 $464 $376 $22 $112 $1,252 $104
RDX Technology Package 2WD $314 $546 $376 $22 $112 $1,370 $114
RDX Technology Package AWD $314 $546 $376 $22 $112 $1,370 $114
Get Your Own Custom Quote Go

Table 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, safe-driver, homeowner, and claim-free. Premium costs do not factor in your specific Long Beach location which can raise or lower price quotes noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible would cost the average driver about $18 more each month or $216 for a full year than selecting the higher $500 deductible. Because you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 14 months between claim filings, you would save money going with the higher deductible.

How careless driving impacts Long Beach insurance rates

The illustration below shows how violations and at-fault accidents drive up Acura RDX insurance premiums for different age groups of insureds. The prices are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

Three reasons car insurance is important

Even though it can be expensive, insuring your vehicle is not optional due to several reasons.

The benefits of buying enough insurance greatly outweigh the cost, particularly if you ever have a claim. On average, a vehicle owner in Long Beach is overpaying more than $820 a year so you should quote rates at every renewal to save money.

You Can Change Your Insurance Costs

Many factors are part of the equation when premium rates are determined. Some are pretty understandable such as your driving record, although some other factors are less obvious like your vehicle usage or your financial responsibility.

Discounts can help lower premiums on Acura RDX insurance in Long Beach

Car insurance companies don’t always publicize all possible discounts in a way that’s easy to find, so the list below details some of the more common and the more hidden credits that may apply to you. If they aren’t giving you every credit you deserve, you’re paying more than you need to.Discount auto insurance

One thing to note about discounts is that some of the credits will not apply to the entire cost. Most only apply to the cost of specific coverages such as comprehensive or collision. Even though it appears you would end up receiving a 100% discount, auto insurance companies aren’t that generous. Any qualifying discounts will reduce your overall bill.

The chart below compares Acura RDX yearly insurance costs with and without some available policy discounts. The price estimates are based on a male driver, no violations or accidents, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, claim-free, marriage, homeowner, and multi-car discounts applied.

Some of the insurance companies that have some of the discounts shown above are:

Double check with every insurance company how you can save money. Some credits may not apply in your area. For a list of companies that have a full spectrum of discounts in Long Beach, click this link.

Insurance agents can help

When buying insurance from an agent or online for your personal vehicles, there really is not a cookie cutter policy. Your situation is unique.Drive safe and save

Here are some questions about coverages that might help in determining if your situation would benefit from professional advice.

If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Local neighborhood Long Beach car insurance agents

Some consumers prefer to visit with an insurance agent and that is just fine! Most agents can help you build your policy and help in the event of a claim. The best thing about getting free rate quotes online is that you can obtain better rates and still buy from a local agent. Buying from neighborhood agents is still important in Long Beach.

Find insurance agent in Long BeachTo find an agent, once you fill out this form (opens in new window), the quote information is instantly submitted to participating agents in Long Beach who will give you quotes for your business. You won’t even need to even leave your home because prices are sent straight to your inbox. In the event you want to get a price quote from a specific insurance company, feel free to find their quoting web page to submit a rate quote request.

Two types of auto insurance agents

If you are searching for a local Long Beach insurance agent, it can be helpful to understand the types of insurance agents that differ in how they can insure your vehicles. Insurance agencies in Long Beach can either be independent or exclusive. Both types of agents can write policy coverage, but it is a good idea to know the difference in the companies they write for since it can affect which type of agent you select.

Independent Insurance Agents

Agents of this type are not employed by one company so as a result can place your coverage with multiple insurance companies and find you cheaper rates. If premiums increase, your policy is moved internally and that require little work on your part.

When comparison shopping, you will want to get several quotes from a couple of independent agencies for maximum quote selection. Many independent agencies also insure through mutual insurance companies that may have much lower rates than larger companies.

The following is a short list of independent agencies in Long Beach who can help you get free price quotes.

View more Long Beach agents

Exclusive Insurance Agents

Agents in the exclusive channel can only place business with one company such as AAA, Allstate, State Farm, or Farmers Insurance. These agents are not able to provide other company’s prices so keep that in mind. Exclusive insurance agents are usually well trained in insurance sales which can be an advantage. Consumers often use the same exclusive agent primarily because of the brand and the convenience of having all coverages with one company.

Listed below is a list of exclusive insurance agencies in Long Beach who can help you get comparison quotes.

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Selecting a auto insurance agent should include more criteria than just a cheap price. The questions below may impact your decision as well.

After talking to the agent and getting positive responses as well as a affordable price, you may have just found an insurance agency that is professional and can provide insurance coverage.

Persistence pays off

People switch companies for a variety of reasons including poor customer service, an unsatisfactory settlement offer, delays in responding to claim requests or even not issuing a premium refund. Whatever your reason, switching companies can be easy and end up saving you some money.

When trying to cut insurance costs, it’s very important that you do not skimp on coverage in order to save money. In many instances, consumers will sacrifice physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at the best possible price while still protecting your assets.

Cheaper insurance in Long Beach can be found online and from local insurance agents, so you should be comparing quotes from both to have the best selection. A few companies do not provide internet price quotes and these regional carriers provide coverage only through independent agencies.

More detailed insurance information is located by following these links: