Cheap Lincoln Acura RDX Insurance

Astonishing but true according to a recent study, 70% of consumers kept their policy with the same company for over three years, and practically 40% of car insurance customers have never compared rates with other companies. With the average car insurance premium being $1,440, Nebraska drivers can cut their rates by as much as $400 a year just by comparing rates, but they just assume it takes a lot of time to shop around.

The most effective way to quote cheaper Acura RDX insurance is to regularly compare prices from providers that insure vehicles in Lincoln. You can compare prices by following these guidelines.

• First, it will benefit you to learn about the coverage provided by your policy and the measures you can take to prevent expensive coverage. Many policy risk factors that result in higher rates like at-fault accidents, careless driving, and a bad credit rating can be amended by improving your driving habits or financial responsibility.
• Second, quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from a single company like GEICO or State Farm, while independent agencies can quote rates from multiple companies.
• Third, compare the new rates to the price on your current policy to determine if you can save on RDX insurance. If you find a lower rate quote, make sure there is no lapse in coverage.
• Fourth, provide notification to your current agent or company of your intention to cancel your current car insurance policy and submit payment along with a signed and completed policy application for the new policy. Immediately put the new certificate of insurance in your vehicle.

One important bit of advice is to compare similar coverage information on each price quote and and to get prices from as many car insurance companies as possible. This guarantees a fair price comparison and maximum price selection.

Finding cheaper insurance prices doesn’t have to be difficult. All that’s required is to take a couple of minutes getting comparison quotes online with multiple companies.

It’s so fast and easy to compare quotes online that it makes it obsolete to spend time driving to each insurance agency near you. Shopping for insurance online eliminates the need for an insurance agent unless you have a need for the trained guidance of an agent trained in personal lines coverage. However, consumers can obtain prices from the web and get advice from an agent in your area.

The companies shown below provide free quotes in Lincoln, NE. In order to find the best cheap car insurance in Nebraska, we suggest you compare several of them to find the lowest auto insurance rates.

Data for Acura RDX insurance

The information displayed next showcases different rate quotes for Acura RDX models. Learning as much as possible about how policy rates are formulated is important for making informed coverage decisions.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Prices do not factor in specific location which can alter coverage prices substantially.

Deductible comparison

When comparing auto insurance rates, the most common question is at what level do you set your deductibles. The premium rates below lay out the costs and benefits of buying low and high insurance deductibles. The first rate table uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Price information does not factor in vehicle location which can increase or decrease premium rates significantly.

Based on the data above, we can derive that using a $250 deductible will cost you approximately $13 more each month or $156 a year than quoting the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 19 months between claim filings, you would more than likely save some money if you choose the higher deductible. Here is a better example of how this determination is made.

One thing to be aware of is that a higher deductible means you will have to pay more out-of-pocket when you have to file a claim. You need enough money in the bank in order to pay the higher deductible.

The information below shows how choosing a deductible and can influence Acura RDX yearly insurance costs for each different age group. The prices are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.

Insurance rate increases from tickets or accidents

The example below highlights how speeding tickets and at-fault claims can affect Acura RDX auto insurance costs for different categories of driver ages. The rates are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

Price comparison of only insuring for liability

The illustration below shows the difference between Acura RDX auto insurance rates with full physical damage coverage compared to only buying liability only. The rate quotes are based on no claims, a clean driving record, $250 deductibles, single status, and no discounts are taken into consideration.

When to buy liability coverage only

There is no exact rule to stop buying full coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than around 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s say your Acura RDX book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after you pay the deductible. If you are paying in excess of $400 annually for your policy with full coverage, then you may want to consider only buying liability coverage.

There are some circumstances where dropping full coverage is not advised. If you still have a loan on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not opt for liability only.

Here’s why insurance is not optional

Despite the high cost, insurance is mandatory in Nebraska but it also protects more than you think.

• The majority of states have mandatory insurance requirements which means you are required to carry a specific minimum amount of liability if you want to drive legally. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you bought your RDX with a loan, it’s guaranteed your bank will make it a condition of the loan that you carry insurance to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the bank will be required to insure your Acura at a much higher premium rate and force you to pay much more than you were paying before.
• Insurance protects not only your vehicle but also your assets. Insurance will also pay for medical bills incurred in an accident. Liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of carrying enough insurance more than offset the price you pay, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver is overpaying more than $750 every year so compare rate quotes at every policy renewal to ensure rates are competitive.

Lower the Price of Auto Insurance with These Tips

The best way to find cheaper auto insurance is to take a look at some of the factors that help determine your auto insurance rates. If you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could help you find better auto insurance rates.

Listed below are some of the most rate-impacting factors companies use to determine prices.

• Raising comp and collision deductibles lowers prices – Physical damage protection, otherwise known as comp (or other than collision) and collision, insures against damage to your Acura. Examples of some claims that would be covered are a broken windshield, damage from fire, and windstorm damage. Comp and collision deductibles represent how much money the insured will be required to pay if a claim is determined to be covered. The more you have to pay, the less your company will charge you for insurance.
• Drivers with high credit save – Having a bad credit rating can be an important factor in determining premium rates. Drivers with high credit ratings tend to be more responsible as compared to drivers with lower ratings. If your credit rating leaves room for improvement, you could potentially save money when insuring your Acura RDX by improving your credit score.
• Where you live can modify costs – Having an address in smaller towns and rural areas of the country may provide you with better prices when talking about auto insurance. City drivers have to deal with more auto accidents and higher rates of accident claims. Less people living in that area means a lower chance of having an accident and lower theft and vandalism rates.

• Type of vehicle determines base costs – The performance of the car you drive makes a significant difference in the rate you pay. The lowest premiums are usually for lower cost passenger cars, but the cost you end up paying is determined by many additional factors.

  The following chart uses these assumptions: married male driver age 30, full coverage with $250 deductibles, and no discounts or violations. It shows Acura RDX policy rates compared to other models that have a range of performances.

• Higher premiums for specific jobs – Do you work in a high-stress field? Careers like doctors, police officers, and dentists tend to pay the highest rates attributed to intense work-related stress and extremely grueling work hours. Other careers like scientists, students and homemakers get better rates.

• Acura RDX historical loss data – Car insurance companies include the past claim trends for vehicles as a way to help calculate a profitable premium rate. Vehicles that the statistics show to have higher frequency or amount of claims will cost more to insure. The information below illustrates the collected loss data for Acura RDX vehicles.

  For each policy coverage type, the claim amount for all vehicles, as a total average, is equal to 100. Percentage numbers below 100 imply a favorable loss record, while values over 100 indicate higher probability of having a loss or an increased likelihood of larger losses.

  
  

  Car Insurance Loss Data for Acura RDX Models

  Vehicle Make and 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

Get cheaper Acura RDX insurance in Lincoln with discounts

Auto insurance companies don’t always advertise the complete list of policy discounts very clearly, so we researched a few of the more well known and also the more inconspicuous ways to save on insurance.

• Low Miles Discount – Low mileage vehicles can earn substantially lower rates.
• Lower Rates for Military – Being deployed with a military unit can result in better prices.
• Auto/Home Discount – When you combine your auto and home insurance with the same company you may earn 10% to 20% off each policy.
• Driver Safety – Taking time to complete a course in defensive driver could save 5% or more depending on where you live.
• Homeowners Savings – Owning a house in Lincoln can get you a discount since home ownership requires a higher level of personal finance.
• Accident-Free Discounts – Lincoln drivers who stay claim-free get the best insurance rates in comparison to drivers who are more careless.
• Discount for Life Insurance – If the company offers life insurance, you could get a break if you buy life insurance from them.
• Early Switch Discount – A few insurance companies give discounts for switching to them early. You could save around 10% when you buy Lincoln auto insurance online.
• Paperless Signup – A few larger online companies give back up to $50 for buying your policy online.

Please keep in mind that most credits do not apply to the entire cost. Most cut the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you can get free auto insurance, companies don’t profit that way. Any qualifying discounts should help reduce the amount you have to pay.

The chart below illustrates the comparison of Acura RDX auto insurance costs with and without discounts applied to the policy premium. The premium estimates are based on a female driver, no claims or violations, Nebraska state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, marriage, claim-free, safe-driver, and multi-car discounts applied.

Larger insurance companies and some of the premium reductions they offer are outlined below.

• GEICO offers premium reductions for defensive driver, military active duty, air bags, emergency military deployment, federal employee, driver training, and anti-theft.
• USAA discounts include new vehicle, defensive driver, multi-policy, military installation, vehicle storage, and annual mileage.
• Progressive may have discounts that include continuous coverage, homeowner, online signing, good student, multi-vehicle, and online quote discount.
• American Family has discounts for air bags, mySafetyValet, TimeAway discount, Steer into Savings, good driver, and early bird.
• Esurance has savings for paid-in-full, emergency road assistance, online shopper, good student, and anti-theft.
• Farmers Insurance policyholders can earn discounts including alternative fuel, homeowner, bundle discounts, multi-car, pay in full, and distant student.
• State Farm offers discounts for defensive driving training, student away at school, accident-free, multiple policy, anti-theft, multiple autos, and Steer Clear safe driver discount.

If you want affordable Lincoln auto insurance quotes, ask all the companies which credits you are entitled to. Some of the discounts discussed earlier might not apply in Lincoln. To find insurers that offer discounts in Nebraska, follow this link.

Auto insurance is unique, just like you

When quoting and choosing a policy, there really is no perfect coverage plan. You are unique and your auto insurance should be unique as well.
These are some specific questions may help highlight if your insurance needs might need an agent’s assistance.

• Where can I find high-risk insurance?
• How much liability insurance is required?
• What is covered by UM/UIM coverage?
• Does low annual mileage earn a discount?
• Does car insurance cover theft of personal property?
• What does medical payments cover?
• Should I put collision coverage on all my vehicles?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Compare rate quotes but buy from a neighborhood Lincoln auto insurance agent

Many drivers prefer to visit with an insurance agent. Professional agents are trained to spot inefficiencies and give you someone to call. The biggest benefit of price shopping on the web is the fact that drivers can get cheap auto insurance rates and still buy from a local agent.

To find an agent, once you fill out this short form, your insurance data is immediately sent to insurance agents in Lincoln that give free quotes for your business. You never need to contact any agents since rate quotes are delivered to your email. In the event you want to get a price quote from one company in particular, you just need to visit that company’s website and fill out their quote form.

Finding the right company should depend on more than just a cheap price. These are some questions your agent should answer.

• Will the quote change when the policy is issued?
• Is vehicle mileage a factor when determining depreciation for repairs?
• Will the agent help in case of a claim?
• Are there any hidden costs in their price quote and does it include driving and credit history?
• What insurance companies do they recommend if they are an independent agent?
• Can glass repairs be made at your home?
• How long has their agency been open in Lincoln?
• Can they give you a list of client referrals?

Exclusive and independent Lincoln auto insurance agents

If you prefer to buy auto insurance from local Lincoln agents, there are two different types of agencies that differ in how they can insure your vehicles. Agents in Lincoln can be categorized as either exclusive agents or independent agents. Either one can properly insure your vehicles, but it’s important to point out how they differ because it may have an impact on the kind of agent you use.

Exclusive Auto Insurance Agents

Exclusive agencies generally can only insure with one company and examples are AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot provide prices from multiple companies so keep that in mind. They are well trained on the products they sell which aids in selling service over price.

The following is a list of exclusive insurance agencies in Lincoln that can give you comparison quotes.

More Lincoln agents

Independent Agents (or Brokers)

Agents in the independent channel often have affiliation with several companies and that enables them to quote your coverage with lots of companies and get you the best rates possible. If premiums increase, the business is moved internally which requires no work on your part.

If you need cheaper auto insurance rates, you definitely need to get quotes from a couple of independent agencies to have the most options to choose from.

Below is a short list of independent insurance agencies in Lincoln who can help you get price quote information.

More Lincoln agents

Quote often and quote early

When searching for the cheapest Acura RDX rate quotes, don’t be tempted to reduce needed coverages to save money. In many cases, someone sacrificed physical damage coverage to discover at claim time that it was a big error on their part. Your goal is to buy enough coverage for the lowest price and still be able to protect your assets.

In this article, we covered a lot of techniques to save on Acura RDX insurance in Lincoln. The key concept to understand is the more you quote Lincoln auto insurance, the higher the chance of saving money. Consumers may even find the best car insurance rates are with the least-expected company. Regional companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as Allstate, GEICO and Progressive.

Helpful learning opportunities

• How Much Auto Coverage do I Need? (Insurance Information Institute)
• Who Has Cheap Lincoln Car Insurance Quotes for Drivers with a DUI? (FAQ)
• Who Has Affordable Car Insurance for Low Income Drivers in Lincoln? (FAQ)
• How Much is Lincoln Car Insurance for Teenage Females? (FAQ)
• What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
• Rental Car Insurance Tips (Insurance Information Institute)
• Frontal Crash Tests (iihs.org)
• Think You’re a Safe Driver? (State Farm)