Find Cheaper Acura RDX Insurance in Honolulu

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Acura RDX insurance
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Discount Acura RDX insuranceThe best way to get affordable Acura RDX insurance in Honolulu is to make a habit of comparing prices annually from insurance carriers in Hawaii. Prices can be compared by completing these steps.

  1. Get a basic knowledge of car insurance and the measures you can control to prevent expensive coverage. Many policy risk factors that are responsible for high rates like accidents, traffic tickets, and a not-so-good credit rating can be amended by making minor driving habit or lifestyle changes.
  2. Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like Progressive or Farmers Insurance, while agents who are independent can quote rates from multiple sources.
  3. Compare the new rate quotes to your current policy premium and see if you can save money. If you find better rates and change companies, ensure there is no coverage lapse between policies.
  4. Provide proper notification to your current company of your intention to cancel your current car insurance policy. Submit the completed application along with a down payment to the new company. Don't forget to place the new certificate verifying coverage with your vehicle's registration.

The key aspect of shopping around is to use identical coverage information on each price quote and and to get rates from every insurance company. Doing this guarantees the most accurate price comparison and a better comparison of the market.

Smart shoppers know that insurance companies don't want you to look for a cheaper policy. People who compare price quotes will presumably buy a different policy because the odds are good of finding a policy with more affordable rates. A recent auto insurance study discovered that consumers who routinely compared quotes saved on average $72 a month compared to other drivers who never shopped around for cheaper prices.

If finding the cheapest price for auto insurance in Honolulu is your goal, then learning about the best way to quote and compare insurance rates can help simplify the task of finding more affordable coverage.

The intent of this article is to let you in on how to effectively get price quotes and also pocket some savings If you are already insured, you will most likely be able to find the best rates using the ideas you're about to read. Smart buyers just need to understand the most effective way to get comparison rates instantly.

Best companies for Acura RDX insurance

The companies shown below are our best choices to provide free rate quotes in Honolulu, HI. If more than one company is shown, we suggest you visit two to three different companies to find the most affordable auto insurance rates.

Statistics and details

The rate table shown below highlights a range of coverage costs for Acura RDX models. Having insight into how prices are established is important to be able to make smart choices when selecting a coverage provider.

Acura RDX Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $234 $344 $294 $18 $88 $978 $82
RDX AWD $234 $344 $294 $18 $88 $978 $82
RDX Technology Package 2WD $264 $406 $294 $18 $88 $1,070 $89
RDX Technology Package AWD $264 $406 $294 $18 $88 $1,070 $89
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Premium amounts do not factor in Honolulu location which can influence rates greatly.

Physical damage deductibles

The hardest decision when buying coverage is how high should the physical damage deductibles be. The comparison tables below outline the cost difference when you choose different physical damage deductibles. The first set of rates uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.

Acura RDX insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $204 $344 $226 $14 $68 $881 $73
RDX AWD $204 $344 $226 $14 $68 $881 $73
RDX Technology Package 2WD $230 $406 $226 $14 $68 $969 $81
RDX Technology Package AWD $230 $406 $226 $14 $68 $969 $81
Get Your Own Custom Quote Go
Acura RDX insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $126 $216 $226 $14 $68 $650 $54
RDX AWD $126 $216 $226 $14 $68 $650 $54
RDX Technology Package 2WD $142 $256 $226 $14 $68 $706 $59
RDX Technology Package AWD $142 $256 $226 $14 $68 $706 $59
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price information does not factor in specific location which can decrease or increase insurance rates significantly.

Based on the above data, using a $250 deductible will cost you approximately $20 more each month or $240 a year across all Acura RDX models than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 38 months between claim filings, you would probably be better off if you decide on a higher deductible.

Bad driving habits will cost you more

The example below shows how speeding tickets and fender-benders influence Acura RDX insurance prices for different age groups. The costs are based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

Yearly car insurance costs for men versus women

The diagram below visualizes the comparison of Acura RDX insurance premiums for male and female drivers. The costs are based on no claims or driving violations, comp and collision included, $250 deductibles, drivers are single, and no policy discounts are applied.

Price comparison of only insuring for liability

The information below illustrates the comparison of Acura RDX insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Hawaii. The rates are based on no accidents, no driving violations, $250 deductibles, single status, and no discounts are taken into consideration.

Deciding between full coverage and liability only

There is no clear-cut rule to stop buying physical damage coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than around 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let's assume your Acura RDX book value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,000 after paying your policy deductible. If it's costing in excess of $300 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are some situations where buying only liability insurance is not recommended. If you haven't satisfied your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage.

Learn How to Find Insurance for Less

Many factors are considered when pricing auto insurance. Most are fairly basic such as traffic violations, but other factors are less obvious such as your credit history or how safe your car is. It's important that you understand a few of the rating criteria that help calculate your premiums. If you have a feel for what influences your rates, this allows you to make educated decisions that could result in cheaper rates.

  • Does your employer raise your premiums? - Do you have a high-stress occupation? Careers such as military personnel, social workers, and medical professionals tend to pay higher average rates in part from intense work-related stress and lengthy work days. Other jobs like actors, historians and retirees receive lower rates.
  • Vehicles with better crash test results means cheaper insurance - Vehicles with high crash test scores tend to have lower insurance rates. Safe vehicles protect occupants better and fewer serious injuries means your insurance company pays less and thus lower rates.
  • Maintain insurance coverage - Driving without insurance coverage in place can get you a ticket and any future policy may cost more because you let your coverage cancel without a new policy in place. Not only will you pay more, not being able to provide proof of insurance could earn you a revoked license or a big fine. You may need to prove you have insurance by filing a SR-22 with the Hawaii motor vehicle department to get your license reinstated.
  • Raise comp and collision deductibles and save - Your deductibles are the amount of money you are required to spend out-of-pocket if you file a covered claim. Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of claims that would be covered are colliding with a stationary object, damage caused by hail, and damage caused by road hazards. The more money you have to pay, the lower your rates will be.
  • Rates can drop if you have more than one policy - Some companies provide better rates to policyholders that purchase more than one policy, otherwise known as a multi-policy discount. This can amount to ten percent or more. Even if you're getting this discount it's in your best interest to compare other Honolulu RDX insurance rates to help ensure you have the lowest rates.There is a chance you can find better rates by splitting coverages up.
  • Extra coverages that aren't used - There are many add-on coverages that may not really be needed if you aren't careful. Coverage for things like rental car coverage, accidental death, and term life insurance are some examples. These may sound like a good investment at first, but if you don't need them eliminate them to save money.
  • How much liability insurance - The liability section of your policy will afford coverage if ever you are determined to be liable for damages from an accident. It provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
  • Loss statistics for an Acura RDX - Insurance companies take into consideration historical loss data for every vehicle when setting premium rates. Models that the statistics show to have higher claim amounts or frequency will cost more to insure.

    The next table shows the loss history for Acura RDX vehicles. For each type of coverage, the claim probability for all vehicles, regardless of make, model or trim level, is set at 100. Values that are below 100 indicate a favorable loss history, while numbers that are greater than 100 indicate frequent claims or a tendency for losses to be larger than average.

    Auto Insurance Loss Data for Acura RDX Models
    Vehicle 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

    Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Earn discounts on Honolulu auto insurance

Auto insurance can be pricey, but there are discounts available that you may not know about. A few discounts will automatically apply when you complete an application, but once in a while a discount must be asked about before you will receive the discount. If you aren't receiving every discount possible, it's possible you qualify for a lower rate.Save money with discounts

  • Drivers Education - Reduce the cost of insurance for teen drivers by having them enroll in driver's education as it will make them better drivers and lower rates.
  • Discount for Life Insurance - Companies who offer life insurance give a lower price if you buy some life insurance too.
  • Pay Early and Save - If you pay your bill all at once rather than paying monthly you can avoid the installment charge.
  • Active Military Service - Having a family member in the military could trigger a small discount.
  • Discounts for Cautious Drivers - Accident-free drivers can pay as much as 50% less compared to accident prone drivers.
  • Multiple Vehicles - Insuring multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • Federal Government Employee - Federal government employees could cut as much as 10% off but check with your company.
  • No Accidents - Good drivers with no accidents pay less in comparison with bad drivers.
  • Waiver for an Accident - This one is not really a discount per se, but a few companies such as GEICO, Allstate and Liberty Mutual permit an accident without getting socked with a rate hike with the catch being you have to be claim-free for a particular time prior to the accident.
  • Low Mileage Discounts - Low mileage vehicles can earn better prices on cars that stay parked.

It's important to note that most of the big mark downs will not be given to your bottom line cost. Some only reduce specific coverage prices like medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, it doesn't quite work that way.

The illustration below compares Acura RDX premium costs with and without some available policy discounts. The rate quotes are based on a male driver, no claims or driving violations, Hawaii 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 multi-policy, homeowner, multi-car, safe-driver, claim-free, and marriage discounts applied.

To locate auto insurance companies that offer the discounts shown above in Hawaii, click this link.

What if I want to buy from local Honolulu insurance agents?

Some people would prefer to get advice from a local agent and doing so can bring peace of mind Agents can point out coverage gaps and help you file claims. One of the best bonuses of comparing rate quotes online is the fact that drivers can get the best rates and still choose a local agent. Buying insurance from neighborhood insurance agencies is important especially in Honolulu.

Insurance agents in HonoluluTo help locate an agent, after submitting this simple form, your insurance coverage information is instantly submitted to companies in Honolulu who will give you bids for your insurance coverage. There is no reason to search for an agent as quotes are delivered straight to your inbox. If you have a need to compare prices from a particular provider, you would need to jump over to their website and fill out the quote form the provide.

Selecting an company requires you to look at more than just a low price. Below are some questions you should ask.

  • Will they give you a referral list?
  • Does the quote include credit and driving reports?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Is the agency covered by Errors and Omissions coverage?
  • In the event of vehicle damage, can you pick the collision repair facility?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Which companies do they recommend if they are an independent agency?

How do I know if I need professional advice?

When it comes to buying coverage, there really isn't a "best" method to buy coverage. Your financial needs are unique.Safe vehicles cost less to insure

For instance, these questions can aid in determining if your insurance needs would benefit from an agent's advice.

  • Why is insurance for a teen driver so high in Honolulu?
  • Do I pay less if my vehicle is kept in my garage?
  • What does medical payments cover?
  • Should I buy only the required Hawaii minimum liability coverage?
  • Is motorclub coverage worth it?
  • Am I covered when delivering products for my home-based business?
  • I have a DUI can I still get coverage?
  • Do I need replacement cost coverage on my Acura RDX?
  • What if I don't agree with a claim settlement offer?

If you can't answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form. It's fast, free and can provide invaluable advice.

How much can you save?

Throughout this article, we presented a lot of ways to find lower-cost Acura RDX insurance in Honolulu. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may even find the biggest savings come from a small local company.

People change insurance companies for many reasons like an unsatisfactory settlement offer, questionable increases in premium, being labeled a high risk driver or delays in responding to claim requests. No matter why you want to switch, finding a great new company can be easier than you think.

When buying insurance coverage, make sure you don't buy poor coverage just to save money. There have been many cases where drivers have reduced uninsured motorist or liability limits and found out when filing a claim that it was a big mistake. The aim is to purchase a proper amount of coverage at the best possible price.

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