Save Money on Acura RDX Insurance in Dallas

A recent survey discovered that most consumers have remained with the same auto insurance company for well over three years, and about 40% of consumers have never compared rates to find cheap insurance. Most drivers in Texas could pocket 70% a year just by getting comparison quotes, but most tend to underestimate the benefits if they switch to a new company.

Insurance quote for Acura RDX in DallasIf you want to find the absolute lowest rates, then the best way to find discount car insurance rates is to compare prices at least once a year from providers that insure vehicles in Dallas.

Step 1: Read and learn about what coverages are included in your policy and the things you can change to prevent high rates. Many rating criteria that cause rate increases such as traffic citations, accidents, and a low credit score can be remedied by making lifestyle changes or driving safer.

Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from a single company like GEICO and State Farm, while independent agents can provide rate quotes for a wide range of insurance providers.

Step 3: Compare the new rate quotes to your existing rates to determine if you can save on RDX insurance. If you find better rates and switch companies, make sure there is no lapse in coverage.

An essential thing to point out is to use similar coverage information on every quote request and and to get rates from as many companies as feasibly possible. This enables a fair price comparison and the best price selection.

Rate information and statistics

The premium table displayed next showcases a range of insurance coverage prices for Acura RDX models. Having knowledge of how insurance prices are determined can be useful when making smart choices when comparing insurance rates.

Acura RDX Insurance Rates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $156 $306 $340 $20 $102 $924 $77
RDX AWD $156 $306 $340 $20 $102 $924 $77
RDX Technology Package 2WD $176 $360 $340 $20 $102 $998 $83
RDX Technology Package AWD $176 $360 $340 $20 $102 $998 $83
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in Dallas location which can lower or raise rates significantly.

Rate comparison of male drivers versus female drivers

The example below shows the difference between Acura RDX insurance prices for male and female drivers. The information is based on no claims or driving citations, comp and collision included, $1,000 deductibles, single status, and no discounts are taken into consideration.

Full coverage versus liability-only

The information below shows the comparison of Acura RDX auto insurance costs with full coverage compared to only the Texas minimum liability coverage. The premiums assume no driving violations, no at-fault accidents, $100 deductibles, single marital status, and no discounts are applied to the premium.

When to stop buying comprehensive and collision coverage

There is no set guideline for excluding comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s say your Acura RDX book value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $6,000 after the policy deductible has been paid. If premium cost is more than $600 annually for full coverage, then it could be time to drop full coverage.

There are a few cases where eliminating full coverage is not recommended. If you still have a loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Find Acura RDX Insurance Cheaper

It’s important that you understand the different types of things that go into determining the level of your policy premiums. When consumers understand what controls the rates you pay, this enables you to make decisions that may result in lower rates.

Shown below are some of the major factors used by your company to calculate your prices.

Final considerations

As you restructure your insurance plan, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed full coverage and found out when filing a claim they didn’t purchase enough coverage. The proper strategy is to buy enough coverage at an affordable rate, but do not skimp to save money.

We just covered many ideas to find cheaper Acura RDX insurance in Dallas. The key concept to understand is the more quotes you get, the better your chances of lowering your premium rates. You may even discover the best car insurance rates are with a small local company. Some small companies may cover specific market segments cheaper compared to the large companies like State Farm, GEICO and Nationwide.

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