Cheap Acura RDX Insurance in Miami

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Acura RDX insurance cost
Acura RDX insurance cost image courtesy of QuoteInspector.com

Smart shoppers know that insurance companies don't want policyholders to shop around. Insureds who shop around for a cheaper policy are inclined to switch auto insurance companies because they have a good chance of finding a policy with more affordable rates. A recent survey discovered that drivers who compared rates annually saved over $72 a month compared to drivers who don't make a habit of comparing rates.

If finding the best rates on car insurance is the reason you're here, then learning about the best way to compare insurance rates can make it simple to find affordable coverage.

Insurance rates Acura RDX in MiamiIf you want to save the most money, the best way to get more affordable Acura RDX insurance in Miami is to compare prices at least once a year from insurers who sell auto insurance in Florida. Drivers can shop around by following these guidelines.

  1. Try to learn a little about how insurance works and the things you can control to keep rates in check. Many things that are responsible for high rates like speeding tickets, careless driving and a substandard credit history can be remedied by making minor driving habit or lifestyle changes. Continue reading for instructions to help reduce prices and get additional discounts.
  2. Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from a single company like GEICO or Farmers Insurance, while agents who are independent can give you price quotes from many different companies.
  3. Compare the new rate quotes to the price on your current policy to see if you can save by switching companies. If you find a lower rate and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

One key aspect when comparing rates is to make sure you enter the same deductibles and limits on every price quote and to quote with as many different insurance providers as possible. Doing this ensures an accurate price comparison and plenty of rates choose from.

The auto insurance companies shown below are our best choices to provide price comparisons in Miami, FL. In order to find the best auto insurance in Florida, we recommend you visit two to three different companies to get a more complete price comparison.

Insurance discounts are available to lower rates

Insurance can be pricey, but you might already qualify for some discounts that you may not even know about. Larger premium reductions will be automatically applied at the time of quoting, but some need to be specifically requested prior to receiving the credit.Insurance discounts

  • Drivers Ed for Students - Reduce the cost of insurance for teen drivers by having them enroll and complete driver's education if offered at their school.
  • Membership in Organizations - Participating in a professional or civic organization could trigger savings on your next renewal.
  • E-sign Discounts - Certain insurance companies will provide an incentive shop Miami car insurance online.
  • Include Life Insurance and Save - Companies who offer life insurance give a lower insurance rate if you buy life insurance.
  • Pay Early and Save - If you pay your entire premium ahead of time rather than paying in monthly installments you may reduce your total bill.

As a disclaimer on discounts, most discount credits are not given to the entire cost. The majority will only reduce individual premiums such as collision or personal injury protection. Even though it appears having all the discounts means you get insurance for free, insurance companies wouldn't stay in business.

The information below shows the comparison of Acura RDX yearly insurance costs with and without discounts. The information is based on a male driver, no violations or accidents, Florida 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, homeowner, multi-policy, claim-free, multi-car, and safe-driver discounts applied.

A few popular companies and their offered discounts are:

  • AAA may include discounts for education and occupation, multi-car, good student, pay-in-full, anti-theft, and multi-policy.
  • Progressive may offer discounts for good student, online quote discount, multi-policy, continuous coverage, online signing, and multi-vehicle.
  • State Farm may have discounts that include good student, good driver, safe vehicle, student away at school, driver's education, anti-theft, and passive restraint.
  • Esurance policyholders can earn discounts including defensive driver, DriveSense, safety device, claim free, and Switch & Save.
  • Nationwide offers premium reductions for business or organization, Farm Bureau membership, multi-policy, good student, family plan, accident-free, and easy pay.

If you want affordable Miami car insurance quotes, ask all the companies how you can save money. Discounts may not apply to policyholders everywhere.

Analysis of Acura RDX rates

The premium table displayed below outlines different policy rates for Acura RDX models. Having insight into how car insurance premiums are figured is important for making informed decisions when comparing rates.

Acura RDX Insurance Rates in Miami, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $398 $798 $478 $28 $144 $1,846 $154
RDX AWD $398 $798 $478 $28 $144 $1,846 $154
RDX Technology Package 2WD $450 $940 $478 $28 $144 $2,040 $170
RDX Technology Package AWD $450 $940 $478 $28 $144 $2,040 $170
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Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in specific garaging location which can modify prices noticeably.

Comparison of policy deductibles

One common question asked by Miami drivers is how high or low should comp and collision deductibles be. The rates below help summarize the rate fluctuation when you choose different insurance deductibles. The first table uses a $100 physical damage deductible and the second set of rates uses a $1,000 deductible.

Acura RDX insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $358 $648 $354 $20 $106 $1,511 $126
RDX AWD $358 $648 $354 $20 $106 $1,511 $126
RDX Technology Package 2WD $406 $764 $354 $20 $106 $1,675 $140
RDX Technology Package AWD $406 $764 $354 $20 $106 $1,675 $140
Get Your Own Custom Quote Go
Acura RDX insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $200 $342 $354 $20 $106 $1,022 $85
RDX AWD $200 $342 $354 $20 $106 $1,022 $85
RDX Technology Package 2WD $224 $402 $354 $20 $106 $1,106 $92
RDX Technology Package AWD $224 $402 $354 $20 $106 $1,106 $92
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rate information does not factor in vehicle location which can alter auto insurance rates noticeably.

Based on these figures, using a $100 deductible costs approximately $44 more each month or $528 annually across all Acura RDX models than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 20 months between claim filings, you would save money by selecting a higher deductible.

Drive responsibly or pay higher rates

The information below illustrates how traffic citations and fender-benders can drive up Acura RDX insurance premiums for different categories of driver ages. The premium estimates are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

Annual premiums comparing men and women in Miami

The chart below compares Acura RDX insurance costs for male and female drivers. The rate quotes are based on a clean driving record, no claims, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

When to have guidance from an agent

A small number of people would prefer to buy from a local agent and that is a personal choice. Good agents will help you protect your assets and help submit paperwork. An additional benefit of getting online price quotes is that you can find the best rates and still have an agent to talk to.

Insurance agents in MiamiBy using this short form, the coverage information is immediately sent to agents in your area who can give free rate quotes for your insurance coverage. There is no reason to contact any insurance agencies due to the fact that quote results will go to you instantly. If you wish to get a comparison quote for a specific company, don't hesitate to find their quoting web page to submit a rate quote request.

Deciding on an company requires you to look at more than just the price. These are valid questions to ask:

  • Does the agency provide any after hours assistance?
  • By raising physical damage deductibles, how much would you save?
  • Will your rates increase after a single accident?
  • How long has their agency been open in Miami?
  • What discounts might you be missing?
  • When do they do policy reviews?
  • Does the company have a solid financial rating?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?

Two different types of auto insurance agents

If you are wanting to purchase auto insurance from a reputable agency, it helps to know the two different types of agents and how they differ in how they can insure your vehicles. Auto insurance policy providers may be either independent agents or exclusive agents. Both insure your vehicles, but it's important to know the subtle differences since it may influence which agent you choose.

Exclusive Agencies

Agents that choose to be exclusive can only provide pricing for a single company such as State Farm, Allstate, or Farmers Insurance. They are unable to compare other company's rates so it's a take it or leave it situation. Exclusive insurance agents receive a lot of sales training on sales techniques which helps overcome the inability to quote other rates. A lot of people purchase coverage from exclusives mostly because of the brand legacy and solid financial strength.

Listed below is a list of exclusive agencies in Miami that are able to give price quote information.

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Independent Agencies or Brokers

Agents in the independent channel are normally appointed by many insurers so they can quote policies with multiple insurance companies and get you the best rates possible. If they find a cheaper price, an independent agent can move your coverage which makes it simple for you. When comparison shopping, you definitely need to get rate quotes from at a minimum one independent agency to ensure the widest selection of prices. Most also write with smaller mutual companies which could offer lower prices.

Listed below are independent insurance agents in Miami that are able to give price quote information.

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Protect more than your Acura vehicle

Despite the potentially high cost of Acura RDX insurance, insuring your vehicle may be required and benefits you in several ways.

  • The majority of states have minimum liability requirements which means it is punishable by state law to not carry a minimum amount of liability protection in order to drive the car legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you have a loan on your vehicle, most banks will stipulate that you have physical damage coverage to ensure they get paid if you total the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Acura at an extremely high rate and make you pay for the much more expensive policy.
  • Insurance protects both your Acura and your assets. It also can pay for medical transport and hospital expenses incurred in an accident. One policy coverage, liability insurance, will also pay for a defense attorney if you are named as a defendant in an auto accident. If your Acura gets damaged, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of carrying enough insurance definitely exceed the cost, particularly if you ever have a claim. On average, a vehicle owner in Miami is overpaying over $830 a year so you should quote rates once a year at a minimum to be sure current rates are still competitive.

Car insurance 101

Understanding the coverages of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Medical costs insurance - Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like X-ray expenses, surgery, pain medications, funeral costs and hospital visits. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision - Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, damage from flooding and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Collision coverage - Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like damaging your car on a curb, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to choose a higher deductible on your RDX to get cheaper collision coverage.

Auto liability insurance - This coverage can cover damage that occurs to other's property or people in an accident. It protects you against claims from other people. Liability doesn't cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 10/20/10 which stand for $10,000 in coverage for each person's injuries, $20,000 for the entire accident, and property damage coverage for $10,000.

Liability insurance covers claims like bail bonds, repair bills for other people's vehicles and pain and suffering. How much coverage you buy is your choice, but it's cheap coverage so purchase as large an amount as possible. Florida requires drivers to carry at least 10/20/10 but you should think about purchasing more liability than the minimum.

The illustration below shows why buying low liability limits may not be enough coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Acura RDX.

Because many people only purchase the least amount of liability that is required (10/20/10), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Don't give up on cheap rates

We just showed you some good ideas how you can lower your Acura RDX insurance prices in Miami. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may even discover the best prices are with the smaller companies.

Cheaper auto insurance in Miami can be found online in addition to many Miami insurance agents, and you should compare rates from both so you have a total pricing picture. Some auto insurance companies may not provide the ability to get quotes online and these regional carriers prefer to sell through local independent agents.

People leave their current company for a variety of reasons including poor customer service, delays in paying claims, delays in responding to claim requests or even being labeled a high risk driver. Regardless of your reason, choosing a new insurance company is actually quite simple.

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