Insurance for Acura RDXDo you want the cheapest Acura RDX insurance in Las Vegas? Searching for better insurance prices for your Acura RDX in Nevada can normally be a lot of work, but you can learn these tips to make it easier. There are both good and bad ways to compare car insurance rates so we're going to tell you the best way to get price quotes for a Acura and find the best price possible either online or from Las Vegas insurance agents.

It's amazing but 70% of consumers have been with the same company for at least the last four years, and nearly 40% of drivers have never even compared rates from other companies. Nevada insurance shoppers could save an average of nearly 35% each year, but they just feel it's too hard to find cheap insurance by shopping around.

Compare Las Vegas Acura RDX insurance rate quotes

Finding a lower price on Acura RDX insurance is a great way to save money. Drivers just need to invest a little time comparing rate quotes to find the company with affordable Las Vegas car insurance quotes.

The car insurance companies shown below can provide price comparisons in Las Vegas, NV. If several companies are displayed, we recommend you compare several of them in order to find the most competitive rates.

Acura RDX Insurance Price Estimates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $126 $248 $296 $18 $88 $776 $65
RDX AWD $134 $232 $270 $16 $80 $732 $61
RDX Technology Package 2WD $162 $292 $268 $16 $80 $818 $68
RDX Technology Package AWD $212 $374 $268 $16 $80 $950 $79
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Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Prices do not factor in specific location information which can increase or decrease insurance rates noticeably.

Can higher deductibles save money?

When comparing auto insurance rates, the most common question is which deductible level should you buy. The figures shown below show the differences in price when you select higher and lower comp and collision deductibles. The first set of prices uses a $250 physical damage deductible and the second rate chart 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 $238 $402 $262 $16 $78 $1,021 $85
RDX AWD $238 $402 $262 $16 $78 $1,021 $85
RDX Technology Package 2WD $268 $472 $262 $16 $78 $1,121 $93
RDX Technology Package AWD $268 $472 $262 $16 $78 $1,121 $93
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Acura RDX insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $148 $252 $262 $16 $78 $756 $63
RDX AWD $148 $252 $262 $16 $78 $756 $63
RDX Technology Package 2WD $166 $298 $262 $16 $78 $820 $68
RDX Technology Package AWD $166 $298 $262 $16 $78 $820 $68
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Estimates do not factor in vehicle location which can change insurance rates substantially.

Based on the data above, we can derive that using a $250 deductible will cost you about $23 more each month or $276 annually than selecting the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 33 months between claim filings, you would come out ahead if you elect the higher deductible. The illustration below shows an example of how this decision is made.

Average monthly premium for $250 deductibles: $89
Average monthly premium for $1,000 deductibles (subtract): - $66
Monthly savings from raising deductible: $23
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 33 months

One important issue to know is that a higher deductible level means you pay more out-of-pocket when you file a claim. It will be required that you have some money saved in order to pay the higher deductible in order to repair your vehicle.

Higher deductibles save money

The information below illustrates how your deductible choice and can influence Acura RDX insurance prices for different ages of insureds. The prices are based on a single male driver, full physical damage coverage, and no discounts are factored in.

Price comparison of only insuring for liability

The example below illustrates the comparison of Acura RDX premium costs with liability coverage only compared to full coverage. The costs are based on no claims, a clean driving record, $100 deductibles, married male driver, and no discounts are applied to the premium.

When to drop comp and collision

There is no clear-cut formula for excluding physical damage coverage, but there is a general guideline. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, then you might consider buying liability only.

For example, let's say your Acura RDX book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $5,000 after you pay the deductible. If you are currently paying more than $500 a year for full coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where dropping full coverage is not in your best interest. If you haven't paid off your loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Cheaper Acura RDX insurance in Las Vegas

Some companies don't always publicize every available discount very clearly, so we took the time to find both well-publicized in addition to some of the lesser obvious ways to save on auto insurance.Cheaper auto insurance with discounts

One thing to note about discounts is that many deductions do not apply to your bottom line cost. Most only reduce individual premiums such as comp or med pay. Despite the fact that it seems like having all the discounts means you get insurance for free, auto insurance companies aren't that generous.

Some of the insurance companies that may offer policyholders some of the discounts shown above possibly include:

If you want low cost Las Vegas car insurance quotes, ask each insurance company which discounts can lower your rates. A few discounts may not apply to policyholders everywhere. To see insurance companies that offer the discounts shown above in Nevada, click here to view.

Local Las Vegas auto insurance agents and car insurance

A lot of people would rather go talk to an agent and that can be a great decision Good insurance agents will help you protect your assets and give you someone to call. The biggest benefit of comparing car insurance online is you may find better rates and also buy local.

Insurance agency in Las VegasOnce you complete this form (opens in new window), the coverage information is submitted to agents in your area who will give you bids for your business. You won't even need to leave your house as quotes are delivered straight to your inbox. If you want to get a price quote from one company in particular, you would need to search and find their rate quote page and submit a quote form there.

Picking an insurance company is decision based upon more than just the price. A good agent in Las Vegas will have answers to these questions.

The difference between Las Vegas car insurance agents

If you would like to find a local insurance agency, there are two types of agencies that you can choose from. Agents in Las Vegas are classified as either exclusive or independent (non-exclusive). Both can insure your vehicles properly, but it's important to know how they differ because it can factor into which agent you choose.

Exclusive Agencies

Agents in the exclusive channel have only one company to place business with and examples are State Farm, Allstate, or Farmers Insurance. These agents are not able to give you multiple price quotes so they have to upsell other benefits. Exclusive agents are trained well in insurance sales which aids in selling service over price. Consumers frequently use the same agent primarily because of the prominent brand name rather than having the cheapest rates.

Below is a short list of exclusive insurance agents in Las Vegas willing to provide rate quotes.

More Las Vegas agents

Independent Insurance Agents

Agents that choose to be independent do not sell for just one brand and that is an advantage because they can write policies with a variety of different insurance companies and get the cheapest rates. If your premiums go up, your policy is moved internally and the insured can keep the same agent. When shopping rates, we recommend you compare quotes from at least one independent agent to get the most accurate price comparison. Many can place coverage with smaller companies which can be an advantage.

Shown below are Las Vegas independent insurance agents that are able to give rate quotes.

More Las Vegas agents

Are car insurance companies telling the truth?

Nevada drivers constantly see and hear ads for cheaper car insurance from the likes of Progressive, Allstate and GEICO. All the companies try to convey promises of big savings if you change your coverage.

Is it even possible that every company can lower your prices?

Car insurance companies quote their cheapest rates for the driver that makes them money. For example, a preferred risk could be between the ages of 30 and 50, has never had a policy lapse, and drives less than 7,500 miles a year. Someone that matches those criteria gets the lowest auto insurance rates and most likely will save money with a new company.

Consumers who don't qualify for this ideal profile will see higher rates which results in business going elsewhere. The wording the ads use say "customers who switch" not "everyone who quotes" save the amount stated. That's why companies can advertise the way they do. Different companies use different criteria so you really should compare rate quotes every year. You cannot predict which car insurance company will provide you with the cheapest Acura RDX insurance in Las Vegas.

Auto insurance coverage specifics

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

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle's occupants as well as damage to your Acura RDX.

Since a lot of drivers carry very low liability coverage limits (which is 15/30/10), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverage

This covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as fire damage, hitting a deer, damage from getting keyed, theft and damage from a tornado or hurricane. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for nursing services, surgery, prosthetic devices and pain medications. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like sustaining damage from a pot hole, colliding with a tree, colliding with another moving vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible on your RDX in order to get cheaper collision rates.

Liability coverages

Liability insurance provides protection from damages or injuries you inflict on other people or property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 15/30/10 that means you have $15,000 in coverage for each person's injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $10,000.

Liability coverage pays for claims such as bail bonds, repair costs for stationary objects, repair bills for other people's vehicles, medical services and court costs. How much coverage you buy is a personal decision, but buy as large an amount as possible. Nevada state minimum liability requirements are 15/30/10 but you should think about purchasing more liability than the minimum.

Persistence is the key to cheaper rates

Discount Acura RDX insurance in Las Vegas can be bought online as well as from insurance agents, so you should compare both to have the best rate selection. Some car insurance companies may not have online price quotes and usually these smaller companies prefer to sell through independent agents.

When shopping online for car insurance, do not buy poor coverage just to save money. In too many instances, an accident victim reduced liability coverage limits and discovered at claim time that they should have had better coverage. Your aim should be to purchase a proper amount of coverage at the best cost but still have enough coverage for asset protection.

Drivers change insurance companies for any number of reasons including extreme rates for teen drivers, unfair underwriting practices, an unsatisfactory settlement offer and delays in paying claims. Whatever your reason, choosing a new company can be less work than you think.

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