Affordable Acura RDX Insurance in Bakersfield

Smart shoppers know that insurance companies don’t want you comparing rates. Insureds who perform rate comparisons will most likely move their business because they stand a good chance of finding a policy with better rates. A recent survey revealed that people who regularly shopped around saved approximately $865 a year compared to other drivers who never compared prices.

If finding budget-friendly auto insurance is the reason you’re here, understanding how to shop and compare auto insurance can make the process more efficient.

Insurance quote for Acura RDX in BakersfieldThe recommended way to get discount Acura RDX insurance in Bakersfield is to make a habit of comparing prices annually from companies who can sell car insurance in California.

First, gain an understanding of how companies price auto insurance and the factors you can control to keep rates in check. Many rating factors that result in higher rates such as accidents, traffic violations, and an imperfect credit history can be amended by making minor changes to your lifestyle. Read the full article for information to help prevent costly coverage and find available discounts that you may qualify for.

Second, compare prices from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from a single company like Progressive and State Farm, while independent agents can provide prices from many different companies.

Third, compare the new rate quotes to the price on your current policy to see if you can save by switching companies. If you can save money and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.

Fourth, tell your current agent or company to cancel your current policy and submit a down payment along with a signed application to the new insurer. Immediately upon receiving it, put the new proof of insurance paperwork with your registration paperwork.

A good piece of advice is to use identical coverages on each quote and and to look at as many companies as you can. Doing this enables a level playing field and maximum price selection.

The companies shown below are ready to provide free quotes in California. If several companies are displayed, we suggest you visit as many as you can to get the cheapest price.

Data for Acura RDX insurance

The table shown below outlines detailed analysis of policy rates for Acura RDX models. Having a good grasp of how insurance prices are determined can assist in making decisions on the best policy coverages.

Acura RDX Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $346 $632 $386 $22 $116 $1,502 $125
RDX AWD $346 $632 $386 $22 $116 $1,502 $125
RDX Technology Package 2WD $390 $744 $386 $22 $116 $1,658 $138
RDX Technology Package AWD $390 $744 $386 $22 $116 $1,658 $138
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price information does not factor in specific zip code location which can decrease or increase price quotes substantially.

Deductible analysis

When shopping for auto insurance, a common question is which comprehensive and collision deductibles to buy. The comparisons below highlight the difference in cost when you select higher and lower insurance deductibles. The first pricing table uses a $100 deductible and the second rate table uses a $500 deductible.

Acura RDX insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $380 $686 $376 $22 $112 $1,601 $133
RDX AWD $380 $686 $376 $22 $112 $1,601 $133
RDX Technology Package 2WD $430 $810 $376 $22 $112 $1,775 $148
RDX Technology Package AWD $430 $810 $376 $22 $112 $1,775 $148
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Acura RDX insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $278 $464 $376 $22 $112 $1,252 $104
RDX AWD $278 $464 $376 $22 $112 $1,252 $104
RDX Technology Package 2WD $314 $546 $376 $22 $112 $1,370 $114
RDX Technology Package AWD $314 $546 $376 $22 $112 $1,370 $114
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in vehicle garaging location which can revise coverage rates substantially.

Based on this data, using a $100 deductible costs an average of $32 more each month or $384 every year than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at least 13 months between claims, you would most likely save money going with the higher deductible.

How to calculate deductible break even period

Average monthly premium for $100 deductibles: $141
Average monthly premium for $500 deductibles (subtract): – $109
Monthly savings from raising deductible: $32
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

The chart below highlights how deductible choice and can influence Acura RDX insurance costs for different ages of insureds. The data is based on a married male driver, full physical damage coverage, and no discounts are applied.

Full coverage versus liability-only

The example below shows the difference between Acura RDX insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The premiums are based on no tickets, no at-fault accidents, $100 deductibles, single marital status, and no discounts are factored in.

Should you be buying full coverage?

There is no clear-cut rule to exclude full coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

For example, let’s pretend your Acura RDX book value is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $8,000 after paying the physical damage deductible. If you are currently paying more than $800 annually for physical damage coverage, then it might be time to buy liability only.

There are some scenarios where dropping physical damage coverage is not advised. If you haven’t paid off your loan, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage.

Cut your auto insurance rates with discounts

Some companies don’t necessarily list all their discounts very well, so the below list has both well-publicized in addition to some of the lesser obvious discounts that you can inquire about if you buy Bakersfield auto insurance online.Save money with discounts

We need to note that most discount credits are not given to the overall cost of the policy. Most only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, nobody gets a free ride.

The chart below compares Acura RDX insurance costs with and without discounts applied to the premium. The premiums are based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, claim-free, homeowner, multi-policy, and multi-car discounts applied.

The best auto insurance companies and the discounts they provide can be found below.

If you need affordable Acura RDX insurance quotes, ask each insurance company how many discounts you can get. Depending on the company, some discounts may not be offered in your area. To locate companies with the best discounts in California, follow this link.

Auto insurance is an important decision

Despite the high insurance cost for a Acura RDX in Bakersfield, insurance is most likely required but also gives you several important benefits.

The benefits of having auto insurance definitely exceed the cost, specifically if you ever have a liability claim. The average driver in California is currently overpaying as much as $700 annually so compare rates each time the policy renews to help ensure money is not being wasted.

Which auto insurance company is best in California?

Buying coverage from the best insurance provider can be a challenge considering how many different insurance companies sell coverage in Bakersfield. The ranking data displayed below could help you analyze which auto insurance companies you want to consider comparing rates with.

Top 10 Bakersfield Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+

How much car insurance do I need?

When quoting and comparing your policy, there isn’t really a one-size-fits-all type of policy. Your needs are unique to you.Drive safe and save

For example, these questions may help you determine whether your personal situation might need professional guidance.

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.

When do I need to get advice from an insurance agency?

A small number of people would rather go talk to an agent and that is recommended in a lot of cases Professional agents are trained to spot inefficiencies and give you someone to call. An additional benefit of getting free rate quotes online is you can get the best rates and still choose a local agent. And buying from small agencies is especially important in Bakersfield.

Upon completion of this short form, your insurance data is immediately sent to participating agents in Bakersfield who want to provide quotes for your coverage. You never need to visit any agencies because prices are sent immediately to your email address. If you wish to get a rate quote from a particular provider, you would need to navigate to their website and give them your coverage information.

What types of car insurance agents are in Bakersfield?

If you would like to find a local agent, it helps to know the two types of agencies and how they can quote your rates. Agents in Bakersfield can either be independent or exclusive. Either can write policy coverage, but it’s a good idea to understand the difference in the companies they write for since it could factor into the selection process.

Independent Agents

Independent agents can quote rates with many companies so they can quote policies with multiple insurance companies enabling the ability to shop coverage around. If they find a cheaper price, they simply switch companies in-house and you won’t have to switch agencies. When comparing rate quotes, you need to include price quotes from at a minimum one independent agency to get the most accurate price comparison. Most have the option of insuring with smaller mutual companies that may have much lower rates than larger companies.

The following is a short list of independent insurance agencies in Bakersfield that may be able to give you free price quotes.

More insurance agents

Exclusive Insurance Agencies

Exclusive insurance agents write business for a single company like Allstate, Farmers Insurance or State Farm. Exclusive agents cannot compare other company’s rates so it’s a take it or leave it situation. These agents receive extensive training in insurance sales which aids in selling service over price. Consumers often use the same agent mostly because of the brand rather than having low rates.

Shown below are Bakersfield exclusive insurance agents who can help you get price quotes.

More insurance agents

Finding a good car insurance agent requires you to look at more than just the quoted price. These questions are important to ask: