Acura RDX Insurance Quotes in Long Beach

Truthfully, 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.

• Step 1: Try to comprehend how insurance works and the things you can change to prevent expensive coverage. Many rating criteria that increase rates such as at-fault accidents, speeding tickets, and a low credit rating can be remedied by being financially responsible and driving safely. This article gives additional tips to help prevent costly coverage and find available discounts that you may qualify for.
• Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO and State Farm, while agents who are independent can provide price quotes from many different companies.
• Step 3: Compare the quotes to your existing policy to see if you can save by switching companies. If you find better rates, make sure coverage is continuous and does not lapse.
• Step 4: Provide adequate notice to your current company of your decision to cancel your current policy and submit payment and a completed application for the new policy. Once the paperwork is finalized, put the certificate of insurance in an easily accessible location.

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.

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.

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.

• Most states have mandatory liability insurance requirements which means state laws require a specific minimum amount of liability insurance in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you took out a loan on your Acura RDX, most banks will require you to buy full coverage to protect their interest in the vehicle. If the policy lapses, the bank may buy a policy for your Acura at an extremely high rate and force you to pay the higher premium.
• Car insurance protects not only your car but also your assets. It will also cover medical bills for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive coverages will pay to repair the damage.

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.

• Single drivers may get higher prices – Having a spouse may earn you lower rates on your car insurance policy. It means you’re more mature it has been statistically shown that being married results in fewer claims.

• High performance equals high costs – The type of car you are buying insurance for makes a big difference in determining your rates. Lower performance four cylinder passenger cars usually are quite affordable to insure, but your final cost has many other factors.

  The chart below assumes a single female driver age 20, full coverage with $500 deductibles, and no discounts or violations. It illustrates Acura RDX insurance rates compared to other vehicles that have different performance rating factors.

• High credit scores save money – Having a bad credit score can be a huge factor in determining your rates. Consumers who have excellent credit tend to be less risk to insure than drivers who have lower credit ratings. If your credit score leaves room for improvement, you could be paying less to insure your Acura RDX if you improve your credit rating.
• Lower premiums for cars with good safety ratings – Vehicles with high crash test scores are cheaper to insure. These vehicles reduce injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims and lower rates for you. If your Acura RDX is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
• Cheaper rates with high deductibles – The deductibles you choose are how much the insured will be required to pay if you file a covered claim. Physical damage protection, also called comprehensive and collision insurance, protects your car from damage. Examples of some claims that would be covered are a windshield broken by a bird, collision with a deer, and damage from wind. The larger the amount you are required to pay out-of-pocket, the better rate you will receive.
• Proper usage rating affects premiums – The higher the miles on your Acura each year the higher the price you pay to insure it. Most companies calculate rates based upon how you use the vehicle. Cars that are left in the garage cost less to insure as compared to vehicles used primarily for driving to work. It’s a good idea to make sure your car insurance policy reflects the correct usage. Having the wrong rating on your RDX is throwing money out the window.

• Acura RDX insurance claim data – Car insurance companies analyze claim trends for every vehicle when they set coverage costs for each model. Vehicles that historically have higher claim frequency or loss amount will have a higher premium rate. The next table illustrates the insurance loss data for Acura RDX vehicles.

  For each coverage type, the claim probability for all vehicles averaged together is considered to be 100. Values below 100 mean the vehicle has better than average losses, while values over 100 point to more claims or larger claims.

  
  

  Car Insurance Loss Data for Acura RDX Models

  Vehicle 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

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

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 for Swiching Early – Select companies give a discount for switching companies early. This can save 10% or more.
• Multi-policy Discount – If you combine your home and auto policies and place coverage with the same company you may earn approximately 10% to 15%.
• Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
• Theft Deterrent System – Cars, trucks, and SUVs optioned with advanced anti-theft systems prevent vehicle theft so companies will give you a small discount.
• Discounts for Federal Employees – Having worked for a branch of the government may reduce rates when you quote Long Beach car insurance with a few auto insurance companies.
• Low Mileage Discounts – Fewer annual miles on your Acura may allow you to get lower rates due to less chance of an accident.
• Anti-lock Brake System – Vehicles that have anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
• Driver Training Discounts – Passing a defensive driver class is a good idea and can lower rates and easily recoup the cost of the course.
• No Claims – Drivers with accident-free driving histories can save substantially in comparison with insureds who have frequent claims or accidents.

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:

• Travelers
• 21st Century
• State Farm
• GEICO
• SAFECO
• AAA

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.

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

• Do I need an umbrella policy?
• Does my insurance cover a custom paint job?
• Are there companies who specialize in insuring high-risk drivers?
• Am I covered when driving on a suspended license?
• What is the difference between comprehensive and collision coverage?
• Is a new car covered when I drive it off the dealer lot?

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.

To 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.

• Global Guard Insurance
  1310 Pine Ave d – Long Beach, CA 90813 – (562) 591-5181 – View Map
• Fox Benefits Insurance Agency
  5175 E Pacific Coast Hwy #304 – Long Beach, CA 90804 – (562) 735-3125 – View Map
• Adriana’s Insurance Services Inc
  1075 E Pacific Coast Hwy – Long Beach, CA 90806 – (562) 344-9222 – View Map

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.

• April Showers – State Farm Insurance Agent
  537 W Willow St – Long Beach, CA 90806 – (562) 612-4949 – View Map
• Jim Seilsopour – State Farm Insurance Agent
  4195 N Viking Way Ste 180 – Long Beach, CA 90808 – (562) 420-6819 – View Map
• State Farm: Steve Dwight
  4625 E Anaheim St – Long Beach, CA 90804 – (562) 494-4494 – View Map

View more Long Beach agents

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

• Does the agency support the community they serve?
• Do they have any clout with companies to ensure a fair claim settlement?
• What insurance companies do they work with in Long Beach?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• How much training do they have in personal risk management?
• Can glass repairs be made at your home?
• Are there any hidden costs in their price quote and does it include driving and credit history?
• How are claims handled?

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:

• Shopping for a Safe Car (Insurance Information Institute)
• Who Has the Cheapest Long Beach Auto Insurance for a 20 Year Old Female? (FAQ)
• How to Avoid Buying a Flooded Car (Insurance Information Institute)
• Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)