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.

Insurance rates Acura RDX in LincolnThe 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.

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.

Acura RDX Insurance Rates in Lincoln, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $210 $388 $344 $20 $102 $1,064 $89
RDX AWD $210 $388 $344 $20 $102 $1,064 $89
RDX Technology Package 2WD $236 $456 $344 $20 $102 $1,158 $97
RDX Technology Package AWD $236 $456 $344 $20 $102 $1,158 $97
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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.

Acura RDX insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $232 $390 $254 $16 $76 $993 $83
RDX AWD $232 $390 $254 $16 $76 $993 $83
RDX Technology Package 2WD $262 $460 $254 $16 $76 $1,093 $91
RDX Technology Package AWD $262 $460 $254 $16 $76 $1,093 $91
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Acura RDX insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $188 $314 $254 $16 $76 $848 $71
RDX AWD $188 $314 $254 $16 $76 $848 $71
RDX Technology Package 2WD $212 $370 $254 $16 $76 $928 $77
RDX Technology Package AWD $212 $370 $254 $16 $76 $928 $77
Get Your Own Custom Quote Go

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.

Average monthly premium for $250 deductibles: $87
Average monthly premium for $500 deductibles (subtract): – $74
Monthly savings from raising deductible: $13
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $13
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

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 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.

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.Insurance discounts

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.

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.Auto insurance savings
These are some specific questions may help highlight if your insurance needs might need an agent’s assistance.

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.

Find insurance agent in LincolnTo 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.

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.

1221 N Cotner Blvd #2Lincoln, NE 68505(402) 466-8245View Map

7111 A St #103Lincoln, NE 68510(402) 413-7111View Map

6030 Village Dr #101Lincoln, NE 68516(402) 434-2800View Map

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.

130 Cherry Hill BlvdLincoln, NE 68510(402) 489-8990View Map

6000 South 58th Street Suite CLincoln, NE 68516(402) 420-7654View Map

201 S 84th StLincoln, NE 68510(800) 873-9713View Map

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.

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