Best Acura RDX Insurance in Tucson

Trying to find cheaper Acura RDX insurance in Tucson? Searching for better insurance prices for a new or used Acura RDX in Arizona can turn out to be an all-consuming task, but you can learn our auto insurance buying tips and make it easy.

There are both good and bad ways to shop for auto insurance so we’re going to tell you the proper way to get price quotes for your Acura and locate the best price possible either online or from Tucson insurance agents.

It’s smart to quote other rates occasionally because rates are constantly changing. Just because you found the best premium rates on Acura RDX insurance in Tucson a few years ago the chances are good that you can find a lower price today. Ignore everything you know about auto insurance because I’m going to teach you the easiest way to properly buy coverages and cut your premium.

Reducing your insurance rates is an easy way to save money. All that’s required is to take a few minutes comparing rates from different insurance companies.

The following companies can provide price comparisons in Tucson, AZ. If you want the cheapest auto insurance in Arizona, we recommend you visit as many as you can to get the lowest price.

Why you need quality insurance for your RDX

Even though it can be expensive, maintaining insurance is required in Arizona but also provides important benefits.

First, most states have compulsory liability insurance requirements which means you are required to carry specific limits of liability insurance in order to license the vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your car has a lienholder, more than likely the lender will stipulate that you have comprehensive coverage to protect their interest in the vehicle. If you default on your policy, the bank may buy a policy for your Acura at a more expensive rate and force you to reimburse them for the much more expensive policy.

Third, insurance protects both your Acura RDX and your assets. Insurance will pay for hospital and medical expenses for not only you but also any passengers injured in an accident. Liability coverage also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.

The benefits of insuring your car greatly outweigh the cost, specifically if you ever have a liability claim. But the average driver in Arizona overpays as much as $865 each year so we recommend shopping around once a year at a minimum to ensure rates are competitive.

Coverage information

The coverage table shown next highlights a range of policy rates for Acura RDX models. Understanding more about how rates are formulated can help drivers make smart choices when purchasing an insurance policy.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in your specific Tucson location which can lower or raise prices noticeably.

Physical damage deductible comparison

One frequently asked question is how high should the physical damage deductibles be. The comparisons below highlight the difference in cost when you select higher and lower physical damage coverage deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second pricing table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Information does not factor in zip code location which can revise premiums substantially.

Based on this data, using a $100 deductible could cost the average driver approximately $22 more each month or $264 every year than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you average at least 18 months between claim filings, you would come out ahead if you choose the higher deductible.

The example below highlights how deductible choice and can impact Acura RDX insurance rates for different age groups. The information is based on a married male driver, comp and collision included, and no other discounts are factored in.

Age, gender, and Acura RDX insurance

The illustration below illustrates the difference between Acura RDX insurance costs for male and female drivers. The information is based on a clean driving record, no at-fault accidents, comp and collision included, $100 deductibles, single status, and no discounts are applied.

Cost of full coverage in Tucson

The diagram below shows the comparison of Acura RDX car insurance rates when comparing full coverage to liability only. The data is based on no claims or driving citations, $1,000 deductibles, single marital status, and no other discounts are factored in.

When to drop comp and collision

There is no set rule of when to stop paying for physical damage coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.

For example, let’s pretend your Acura RDX replacement 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 paying your policy deductible. If premium cost is more than $500 annually for physical damage coverage, then you might want to think about dropping full coverage.

There are some conditions where removing full coverage is not a good plan. If you still have a loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not drop full coverage.

Affordable rates with discounts

Insuring your vehicles can cost a lot, but you may be missing some discounts that can dramatically reduce your bill. Some discounts will apply at the time you complete a quote, but a few need to be specially asked for before you will receive the discount. If you aren’t receiving every discount you qualify for, you could be getting lower rates.

• Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
• Federal Employees – Federal government employees could qualify for a slight premium decrease with select insurance companies.
• Waiver for an Accident – Not a discount per se, but a handful of insurance companies permit an accident before hitting you with a surcharge with the catch being you have to be claim-free prior to being involved in the accident.
• Theft Deterrent System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen so companies will give you a small discount.
• Early Renewal Discounts – Select larger companies give a discount for switching policies before your current RDX insurance policy expires. It could save around 10% when you buy Tucson auto insurance online.
• Discounts for Multiple Vehicles – Having multiple vehicles with the same company could earn a price break for each car.
• Multiple Policy Discount – If you insure your home and vehicles and insure them both with the same insurance company they may give you a discount of at least 10 to 15 percent or more.
• Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn lower rates if you buy life insurance from them.
• Driver Safety – Successfully completing a class that teaches driver safety techniques may get you a small discount depending on where you live.

Just know that most discounts do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like you could get a free insurance policy, it just doesn’t work that way.

The example below compares Acura RDX insurance rates with and without discounts applied to the policy rates. The premiums are based on a female driver, no accidents, no driving violations, Arizona state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, multi-car, safe-driver, and claim-free discounts applied.

If you would like to choose from a list of insurance companies that offer multiple discounts in Tucson, follow this link.

Insurance is available from local agents

Many drivers would rather buy from a local agent and there is nothing wrong with that. Licensed agents can answer important questions and give you someone to call. The biggest benefit of comparing rates online is that you can find lower rates and still have a local agent. Buying insurance from local agents is important especially in Tucson.

Once you complete this form (opens in new window), your insurance data is sent to insurance agents in Tucson who will give you bids for your insurance coverage. You won’t even need to leave your computer due to the fact that quote results will go directly to your email. If you wish to get a rate quote for a specific company, don’t hesitate to search and find their rate quote page to submit a rate quote request.

If you want to buy insurance from an insurance agent, it can be helpful to understand the types of agencies and how they differ in how they can insure your vehicles. Insurance agents in Tucson can be categorized as either exclusive or independent. Either one can sell insurance policies, but it’s important to know the difference in how they write coverage since it may influence your selection of an agent.

Independent Insurance Agencies or Brokers

Independent agencies are not locked into one company so they have the ability to put coverage amongst many companies and find the cheapest insurance rates. If you are not satisfied with one company, they simply move your policy to a different company and you stay with the same agent. When comparing insurance rates, you should always get quotes from several independent insurance agents to have the most options to choose from. Most have the option of insuring with companies that do not advertise much which may have better rates.

Listed below is a short list of independent agencies in Tucson that can possibly get you cheap rate quotes.

• DM Lovitt Insurance Agency
  607 N 6th Ave – Tucson, AZ 85705 – (520) 798-1888 – View Map
• Arizona Insurance Clinic
  4925 E 5th St Suite # 101 – Tucson, AZ 85711 – (520) 323-6887 – View Map
• Crest Insurance Group LLC
  5285 E Williams Cir #4500 – Tucson, AZ 85711 – (520) 881-5760 – View Map

More insurance agents

Exclusive Insurance Agents

Agents of this type can only quote rates from one company and examples are State Farm, Allstate and AAA. Exclusive agents cannot compare other company’s rates so always compare other rates. Exclusive agencies receive a lot of sales training on their company’s products which helps offset the inability to provide other markets. Some insured continue to buy from exclusive agents mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.

Shown below is a short list of exclusive agencies in Tucson who can help you get price quotes.

• Farmers Insurance: John Brown
  9155 E Tanque Verde Rd #117 – Tucson, AZ 85749 – (520) 323-2500 – View Map
• Tim Brown: Farmers Insurance Agent
  70 W Franklin St – Tucson, AZ 85701 – (520) 322-3924 – View Map
• Annie Frits – State Farm Insurance Agent
  3320 N Country Club Rd #210 – Tucson, AZ 85716 – (520) 777-7499 – View Map

More insurance agents

Choosing the best auto insurance agent requires you to look at more than just the bottom line cost. Ask your prospective agent these questions:

• Do they feel the quoted coverages are adequate?
• Does their agency support local causes in Tucson?
• Are they able to influence company decisions when a claim is filed?
• Is the quote a firm price?
• How many companies do they write for?
• Do they specialize in personal lines auto insurance in Tucson?
• Can you contact them at any time?

If you get positive feedback to your questions and affordable Acura RDX insurance rates in Tucson quotes, it’s possible that you found an auto insurance agent that can provide insurance coverage. Just understand that you have the power to cancel your coverage at any point so never feel that you are obligated to a policy indefinitely.

Compare. Compare. Compare.

Lower-priced auto insurance in Tucson can be found both online and with local Tucson insurance agents, and you need to price shop both to get a complete price analysis. Some companies do not provide the ability to get a quote online and usually these regional carriers prefer to sell through independent agents.

Consumers switch companies for a number of reasons such as policy non-renewal, unfair underwriting practices, not issuing a premium refund and questionable increases in premium. Regardless of your reason for switching companies, switching companies is pretty simple and you could end up saving a buck or two.

While you’re price shopping online, never buy poor coverage just to save money. There have been many cases where an insured dropped full coverage to discover at claim time that the few dollars in savings costed them thousands. Your goal is to purchase plenty of coverage for the lowest cost, but do not sacrifice coverage to save money.

Steps to finding affordable Acura RDX insurance in Tucson

The best way to find cheaper prices for Acura RDX insurance is to compare quotes annually from different companies that sell auto insurance in Tucson.

Step 1: Get a basic knowledge of coverages and the modifications you can make to drop your rates. Many policy risk factors that increase rates like high-risk driving behaviors and a less-than-favorable credit rating can be controlled by making minor changes in your lifestyle.

Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from one company like GEICO and Allstate, while independent agents can quote prices from multiple sources.

Step 3: Compare the price quotes to your existing rates to see if a cheaper rate is available. If you can save money, ensure coverage does not lapse between policies.

Step 4: Notify your agent or company of your intent to cancel your current auto insurance policy. Submit a down payment along with a completed application to your new carrier. Immediately place your new certificate verifying coverage in an accessible location in your vehicle.

One key aspect when comparing rates is to compare identical coverages on each price quote and and to analyze as many different insurance providers as possible. This ensures the most accurate price comparison and the most accurate and complete price analysis.

To learn more, feel free to browse the following helpful articles:

• How to Avoid Buying a Flooded Car (Insurance Information Institute)
• How Much is Auto Insurance for a Company Car in Tucson? (FAQ)
• How Much are Tucson Auto Insurance Rates for Uber Drivers? (FAQ)
• What Auto Insurance is Cheapest with Multiple Speeding Tickets in Tucson? (FAQ)
• Who Has Affordable Tucson Auto Insurance for a Subaru Outback? (FAQ)
• What Auto Insurance is Cheapest for a Jeep Wrangler in Tucson? (FAQ)
• Who Has the Cheapest Tucson Car Insurance Rates for Real Estate Agents? (FAQ)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
• Alcohol Impaired Driving FAQ (iihs.org)
• How Can I Save Money on Auto Insurance? (Insurance Information Institute)