If you’re looking for cheaper insurance on the web, are you confused by the sheer number of auto insurance choices in your area? You’re not alone. There are so many choices to choose from that it can turn into a difficult challenge to find the perfect company for you. Everyone knows Philadelphia is a wonderful place to live, but expensive auto insurance rates can make it hard for many residents to affordably buy enough coverage.
Unbelievably, over 70% of drivers kept buying from the same company for four years or more, and almost half have never quoted auto insurance rates at all. Pennsylvania drivers could pocket almost 55% a year just by getting comparison quotes, but most just don’t grasp the amount of money they would save if they swap their current policy for a cheaper one.
It’s a good habit to price shop coverage yearly since insurance rates go up and down regularly. Despite the fact that you may have had the best deal on Acura RLX insurance in Philadelphia a year ago other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because you’re going to learn the things you must know in order to find lower rates on auto insurance.
Comparison shopping for affordable car insurance policy in Philadelphia is simple if you know the tricks. Practically everyone who needs more affordable car insurance should be able to find better rates. Although Pennsylvania car owners must understand how companies calculate your policy premium because it can help you find the best coverage.
The quickest method to compare insurance rates in your area is to take advantage of the fact auto insurance companies participate in online systems to give free rates quotes. The one thing you need to do is take a few minutes to give details like the make and model of your vehicles, if you’re married, how much school you completed, and driver ages. Your rating data is instantly sent to all major companies and you will receive price estimates instantly to find the best rate.
To start a quote now, click here and enter your coverage details.
The companies in the list below are ready to provide quotes in Philadelphia, PA. If multiple providers are shown, we recommend you visit two to three different companies to find the cheapest car insurance rates.
Here’s why insurance is not optional
Despite the high insurance cost for a Acura RLX in Philadelphia, insurance is required for several reasons.
First, most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific minimum amount of liability protection if you want to drive legally. In Pennsylvania 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.
Second, if you took out a loan on your Acura RLX, most banks will have a requirement that you have physical damage coverage to guarantee payment of the loan. If you do not keep the policy in force, the lender may insure your Acura for a much higher rate and make you pay the higher premium.
Third, insurance preserves both your Acura RLX and your personal assets. It will also reimburse you for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability coverage also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.
The benefits of buying enough insurance definitely exceed the cost, particularly if you ever have a claim. On average, a vehicle owner in Philadelphia overpays as much as $750 every year so compare rate quotes each time the policy renews to make sure the price is not too high.
Smart Consumers Save More
Lots of factors are part of the equation when you get your auto insurance bill. Some are obvious such as your driving history, but others are not quite as obvious like your vehicle usage or your commute time.
Listed below are a few of the things that factor into your prices.
Prices also based on gender – Statistics demonstrate that females take fewer risks when driving. Now that doesn’t mean females are better at driving than males. Both genders tend to get into at-fault accidents in similar percentages, but men cause more damage. Not only are claims higher, but men get ticketed for serious violations like reckless driving and DUI. Young males are the most expensive to insure and therefore pay the highest rates.
Add-on coverages are wasting money – Insurance policies have a lot of extra coverages that sound like a good idea at the time on your insurance policy. Coverages for rental car reimbursement, death and dismemberment, and motor club memberships may be wasting your money. They may sound like good ideas when discussing your needs, but if you don’t need them remove them from your policy.
Multiple policies with one company can save – Most insurance companies will award better rates to clients who buy several policies from them such as combining an auto and homeowners policy. This can amount to as much as ten percent or more Even if you already get this discount, consumers should still comparison shop to confirm you are receiving the best rates possible. Drivers may still save even more even if you have your coverage with different companies
Cheaper premiums for prior coverage – Going without insurance will be a fast way to increase your rates. And not only will insurance be more expensive, failure to provide proof of insurance will get you a revoked license or a big fine.
Defend yourself with liability insurance – Liability coverage is the protection if ever you are found to be at fault for causing damage or personal injury in an accident. Your liability coverage provides for a legal defense to defend your case. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.
Insurance loss statistics an Acura RLX – Auto insurance companies factor in insurance loss information when they calculate premium rates for each model. Vehicles that have a trend towards higher claim severity or frequency will have higher rates for specific coverages.
The table shown below demonstrates the historical insurance loss data for Acura RLX vehicles. For each type of coverage, the loss probability for all vehicles compiled together is equal to 100. Numbers shown that are under 100 are indicative of better than average losses, while percentage values above 100 indicate frequent claims or a tendency for claims to be larger.
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Acura RLX 4dr||128||63||179||82|
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Affordable rates on Acura RLX insurance in Philadelphia with these discounts
Properly insuring your vehicles can get expensive, but you may find discounts that you may not know about. Certain reductions will be credited at the time of purchase, but a few must be inquired about before you get the savings. If you’re not getting every credit you deserve, you could be getting lower rates.
- Save over 55 – If you’re over the age of 55, you can get lower premium rates.
- Federal Government Employee – Simply working for the federal government could provide a small rate reduction with some car insurance companies.
- Drive Safe and Save – Accident-free drivers can save up to 40% or more on their Philadelphia car insurance quote than their less cautious counterparts.
- Multiple Cars – Buying a policy with primary and secondary vehicles on one policy qualifies for this discount.
- Distant College Student Discount – Any of your kids living away from Philadelphia attending college and leave their car at home can receive lower rates.
- Organization Discounts – Being in qualifying employment or professional organizations is a simple method to lower premiums when getting a Philadelphia car insurance quote.
- Low Mileage – Fewer annual miles on your Acura may allow you to get slightly better rates than normal.
- Anti-theft System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will save you 10% or more on RLX insurance in Philadelphia.
Drivers should understand that most of the big mark downs will not be given to the whole policy. Most only cut the price of certain insurance coverages like comp or med pay. If you do the math and it seems like adding up those discounts means a free policy, it’s just not the way it works.
To view insurance companies with the best Acura RLX insurance discounts in Philadelphia in Philadelphia, click here to view.
Buying from insurance agents
Many drivers just prefer to go talk to an agent and doing that can be a smart decision One of the best bonuses of getting online price quotes is you may find cheap car insurance rates and still buy from a local agent. Buying from local agencies is definitely important in Philadelphia.
For easy comparison, once you complete this form (opens in new window), the coverage information is emailed to local insurance agents who will give you quotes and help you find cheaper coverage. You won’t need to even leave your home since price quotes are sent to you. You can find lower rates AND a local agent. If you have a need to get a price quote from a specific company, just visit that company’s website and complete a quote there.
If you are searching for an insurance agent, it helps to know the two different types of agents and how they are slightly different. Insurance agencies in Philadelphia are categorized either exclusive or independent agents depending on their company appointments.
Independent Car Insurance Agencies
Independent agents do not write with just one company and that allows them to write policies through many companies and help determine which has the cheapest rates. If they quote lower rates, your policy is moved internally and you don’t have to switch agencies. When comparing car insurance prices, you need to get some free quotes from a couple of independent agencies for the best price selection. A lot of them also have access to smaller regional carriers that may have much lower rates than larger companies.
Featured below is a list of independent agents in Philadelphia that can give you free price quotes.
- Nigro Insurance Agency
35 Letitia St – Philadelphia, PA 19106 – (215) 278-9633 – View Map
- The Miles Insurance Agency Inc
7100 Cresheim Rd – Philadelphia, PA 19119 – (215) 753-7770 – View Map
- Larry Lewis Insurance Agency, LLC
4548 Market St #208 – Philadelphia, PA 19139 – (215) 243-4110 – View Map
These agents normally can only provide a single company’s rates such as State Farm or Allstate. They are unable to give you multiple price quotes so they are skilled at selling on more than just price. These agents are very knowledgeable on the products they sell which helps them compete with independent agents. Consumers frequently choose to use an exclusive agent primarily because of the prominent brand name rather than having the cheapest rates.
Shown below are exclusive agencies in Philadelphia who can help you get rate quotes.
- State Farm: Brian Cover
7005 Bustleton Ave – Philadelphia, PA 19149 – (215) 332-9000 – View Map
- Brian Madalion – State Farm Insurance Agent
7208 Ogontz Ave – Philadelphia, PA 19138 – (215) 549-4900 – View Map
- Paul Hoffman – State Farm Insurance Agent
2655 S 12th St – Philadelphia, PA 19148 – (215) 389-4737 – View Map
Finding a good insurance agency shouldn’t rely on just a low price. Any good agent in Philadelphia should know the answers to these questions.
- How often do they review policy coverages?
- Do the companies they represent have a solid financial rating?
- How much can you save by raising your physical damage deductibles?
- Are claims handled at the agent’s location?
- Is auto insurance their primary focus in Philadelphia?
- Can glass claims be handled at your home?
- What is the agency’s Better Business Bureau rating?
- What insurance companies do they work with in Philadelphia?
Don’t give up on affordable coverage
We just covered many ways to find cheaper Acura RLX insurance in Philadelphia. The key thing to remember is the more times you quote, the better your comparison will be. Drivers may even discover the biggest savings come from an unexpected company.
Drivers switch companies for any number of reasons including high rates after DUI convictions, extreme rates for teen drivers, being labeled a high risk driver or delays in paying claims. It doesn’t matter why you want to switch finding a new car insurance company is less work than it seems.
There are still a few companies who do not offer rates over the internet and most of the time these regional carriers prefer to sell through independent agents. Lower-priced Acura RLX insurance in Philadelphia can be sourced on the web and also from your neighborhood Philadelphia agents, and you should compare rates from both to have the best rate selection.
Much more information about car insurance in Pennsylvania can be read on the following sites:
- Auto Insurance FAQ (Farmers Insurance)
- Who Has Affordable Car Insurance for Business Use in Philadelphia? (FAQ)
- Who Has Affordable Auto Insurance for a GMC Sierra in Philadelphia? (FAQ)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Collision Insurance Coverage (Nationwide)