Acura RDX Insurance Quotes in Philadelphia

How many times have you said it’s time to compare more competitive Acura RDX insurance in Philadelphia? Nobody looks forward to paying for insurance, especially when they know the cost is way too high.

Discount Acura RDX insuranceA recent insurance study revealed that a large majority of drivers have stayed with the same insurance company for a minimum of four years, and approximately 40% of consumers have never shopped around. With the average insurance premium being $1,847, American drivers can save hundreds of dollars each year by just shopping around, but they just don’t understand how much they could save if they bought a different policy. You have multiple car insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, it can be more challenging to find the best rates for Acura RDX insurance in Philadelphia.

It is always a good idea to shop coverage around before your next renewal because insurance prices tend to go up over time. Even if you got the lowest rates on Acura RDX insurance in Philadelphia a few years ago there is a good chance you can find better premium rates now. There are lots of tips to save on RDX insurance out there, but in just a couple of minutes you can learn a lot of great tips on how to buy insurance cheaper in Philadelphia.

The following companies are our best choices to provide price quotes in Philadelphia, PA. If multiple providers are shown, we suggest you visit as many as you can in order to find the lowest rates.

Car insurance just makes sense

Despite the high cost, car insurance may not be optional for several reasons.

The benefits of having car insurance greatly outweigh the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer overpays as much as $850 per year so you should quote your policy with other companies at every policy renewal to make sure the price is not too high.

Coverage analysis

The price information displayed below outlines estimates of policy rates for Acura RDX models. Having a good grasp of how insurance premiums are calculated can be of help when making informed decisions when shopping around for a new policy.

Acura RDX Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $284 $512 $280 $16 $84 $1,176 $98
RDX AWD $284 $512 $280 $16 $84 $1,176 $98
RDX Technology Package 2WD $320 $602 $280 $16 $84 $1,302 $109
RDX Technology Package AWD $320 $602 $280 $16 $84 $1,302 $109
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rate information does not factor in vehicle garaging location which can affect insurance rates substantially.

The diagram below demonstrates how deductibles and can affect Acura RDX insurance costs for different age categories. Data assumes a single female driver, full physical damage coverage, and no other discounts are factored in.

Difference between liability only and full coverage rates

The diagram below visualizes the comparison of Acura RDX insurance costs with full coverage compared to only the Pennsylvania minimum liability coverage. The data is based on no claims or driving violations, $250 deductibles, single marital status, and no discounts are applied.

Deciding between full coverage and liability only

There is no clear-cut rule of when to drop comp and collision coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Acura RDX replacement cost is $7,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $6,000 after the policy deductible has been paid. If you are paying more than $600 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some situations where dropping physical damage coverage is not in your best interest. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not drop full coverage.

Affordable Philadelphia insurance quotes with discounts

Not too many consumers would say insurance is affordable, but companies offer discounts that can dramatically reduce your bill. Some discounts will apply at quote time, but occasionally some discounts must be inquired about prior to receiving the credit.Discount insurance

It’s important to note that most discounts do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. Even though it appears all those discounts means the company will pay you, that’s just not realistic.

The example below visualizes the comparison of Acura RDX insurance costs with and without discounts applied. The data assumes a female driver, no claims, a clean driving record, Pennsylvania state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, multi-policy, marriage, and safe-driver discounts applied.

Companies and some of their more popular discounts are outlined below.

If you need lower rates, check with each company or agent what discounts are available to you. Savings may not be offered everywhere. To see insurance companies who offer discounts in Pennsylvania, follow this link.

Neighborhood Philadelphia auto insurance agents

Many people would rather have an agent’s advice and that can be a great decision Agents can answer important questions and will help you if you have claims. The biggest benefit of getting online price quotes is you can get the lowest rates and still buy from a local agent.

Philadelphia insurance agentsTo find an agent, once you fill out this simple form, your insurance data is submitted to insurance agents in Philadelphia that can give you free Philadelphia auto insurance quotes for your coverage. It makes it easy because there is no need to contact any agents since price quotes are sent immediately to you. If you wish to compare prices from a particular provider, feel free to search and find their rate quote page and fill out their quote form.

Picking an company is decision based upon more than just a cheap price. These questions are important to ask:

Below is a list of auto insurance companies in Philadelphia who can help you get price quote information for Acura RDX insurance in Philadelphia.

Rexach Insurance Agency
2932 N 5th StPhiladelphia, PA 19133(215) 229-6320View Map

1636 S Front StPhiladelphia, PA 19148(215) 468-4116View Map

619 E Girard AvePhiladelphia, PA 19125(215) 425-7640View Map

4901 Frankford AvePhiladelphia, PA 19124(215) 827-0800View Map

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In the end, you can save money

You just read many ideas to get a better price on Acura RDX insurance in Philadelphia. The key thing to remember is the more rate comparisons you have, the higher your chance of finding inexpensive Philadelphia auto insurance quotes. You may even find the best price on insurance is with the least-expected company. They may have significantly lower premium rates on certain market segments compared to the large companies like GEICO and State Farm.

Discount Acura RDX insurance in Philadelphia can be bought on the web in addition to many Philadelphia insurance agents, so get free Philadelphia auto insurance quotes from both of them in order to have the best chance of saving money. Some insurance providers do not offer price quotes online and many times these regional insurance providers prefer to sell through independent insurance agencies.

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced liability limits or collision coverage and learned later they didn’t have enough coverage. Your objective should be to purchase a proper amount of coverage at the best price and still be able to protect your assets.

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