Best Acura RDX Insurance in Denver

Want to learn how to save money and find low-cost auto insurance rates in Denver, CO? Denver drivers have many options when trying to find the lowest priced Acura RDX insurance. You can either waste hours driving around to get rate comparisons or utilize the internet to make rate comparisons. There is a right way and a wrong way to buy auto insurance and you need to know the absolute fastest way to get price quotes for a new or used Acura and obtain the cheapest rates.

It’s a good idea to compare premium rates once or twice a year since insurance prices tend to go up over time. Even if you think you had the best rate on Acura RDX insurance in Denver two years ago other companies may now be cheaper. There is too much inaccurate information about RDX insurance online, but we’re going to give you some of the best ways to stop overpaying for insurance in Denver.

If you have coverage now or just want cheaper rates, take advantage of these tips to reduce premiums while maximizing coverage. This information will introduce you to how insurance works and how to save the most money. You just have to know the proper methods to compare insurance rates from many different companies online.

The most recommended method to get policy rate comparisons for Acura RDX insurance in Denver is to know the fact most larger insurance companies allow for online access to provide you with free rate quotes. All you need to do is provide details like your credit rating estimate, how many miles driven, whether you are married, and which vehicles you own. Your insurance information is instantly submitted to multiple different insurance companies and they provide comparison quotes almost instantly.

To get price quotes for your Acura RDX now, click here and see if a lower rate is available in Denver.

The following companies are our best choices to provide comparison quotes in Colorado. If more than one company is shown, we recommend you visit as many as you can in order to get a fair rate comparison.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Prices do not factor in vehicle location which can decrease or increase insurance rates greatly.

How high should deductibles be?

When buying car insurance, a common question is which deductible level should you buy. The following tables illustrate the rate difference when you select higher and lower physical damage deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Prices do not factor in vehicle garaging location which can modify rates significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs roughly $15 more each month or $180 a year than requesting the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you have at least 17 months between claims, you would probably be better off if you choose the higher deductible.

Physical damage deductible comparison

The illustration below illustrates how your deductible choice and can change Acura RDX insurance premiums for each age group. The premiums are based on a single male driver, full coverage, and no discounts are applied to the premium.

Companies offer many types of discounts on Acura RDX insurance in Denver

Companies offering auto insurance do not list the entire discount list in an easy-to-find place, so the following list contains both well-publicized in addition to some of the lesser obvious credits available to bring down your rates.

• Mature Driver Discount – Older drivers can get lower premium rates.
• Sign Early and Save – A few car insurance companies give discounts for renewing your policy early. It’s a savings of about 10%.
• Claim Free – Drivers with accident-free driving histories have much lower rates in comparison with frequent claim filers.
• Online Discount – A few companies will discount your bill up to fifty bucks just for signing your application over the internet.
• Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. Many companies even apply the discount to college students up until you turn 25.
• Discount for Multiple Policies – If you have multiple policies with one company you could get a discount of nearly 15% which can help you find the cheapest Acura RDX insurance in Denver.

Keep in mind that most discounts do not apply to the whole policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, you’re out of luck. Any amount of discount will lower the cost of your policy.

Some of the insurance companies who may offer most of the discounts above include:

• AAA
• Progressive
• State Farm
• Esurance
• Nationwide

When getting free Denver auto insurance quotes, it’s a good idea to each insurance company the best way to save money. Some discounts may not apply to policies in Denver. If you would like to choose from a list of insurance companies who offer free Acura RDX insurance quotes in Denver, click here to view.

What if I want to buy from local Denver car insurance agents?

Some consumers prefer to get professional advice from a licensed agent and doing that can be a smart decision Good insurance agents are trained to spot inefficiencies and give you someone to call. The biggest benefit of comparing rates online is you may find lower rates and still have an agent to talk to.

By using this short form, your insurance data is submitted to local insurance agents in Denver that give free quotes for your business. You don’t have to do any legwork due to the fact that quote results will go to your email. In the event you want to get a comparison quote from a specific car insurance provider, just find their quoting web page and fill out the quote form the provide.

Choosing the best insurer shouldn’t rely on just a low price. The answers to these questions are important, too.

• Does the company use OEM repair parts?
• What company do they have the most business with?
• Are there any discounts for paying up front?
• How does the company pay claims for a total loss?
• Do the agents have professional certifications like CPCU or CIC?
• Do clients work directly with the agent or are most inquiries handled by a CSR?
• If independent agents, which companies do they recommend?
• Will you get a loaner vehicle if you car is being repaired?

Exclusive agents vs. Independent agents

If you want to use a reliable insurance agent, you should know the types of agencies and how they can quote your rates. Insurance agencies in Denver are either independent or exclusive. Both types can insure your vehicles properly, but it is a good idea to know the difference in how they write coverage since it could factor into your selection of an agent.

Exclusive Agents

Exclusive agents can only provide one company’s prices and examples are State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to place coverage with different providers so always compare other rates. These agents are usually quite knowledgeable on their company’s products which helps them compete with independent agents. Many people buy insurance from these agents mainly due to the prominence of the brand rather than low price.

Below are exclusive agencies in Denver who can help you get price quotes.

• Bao Ngoc Nguyen – State Farm Insurance Agent
  1699 S Federal Blvd b – Denver, CO 80219 – (303) 975-1100 – View Map
• Farmers Insurance – Angel Le
  1145 S Federal Blvd – Denver, CO 80219 – (303) 975-8911 – View Map
• Stephanie Sponder – State Farm Insurance Agent
  671 E 19th Ave – Denver, CO 80203 – (303) 744-0757 – View Map

More insurance agents

Independent Agencies or Brokers

These agents often have affiliation with several companies so as a result can place your coverage through lots of different companies depending on which coverage is best. To transfer your coverage to a different company, they simply switch companies in-house and you don’t have to switch agencies.

If you need cheaper car insurance rates, you should always include rate quotes from multiple independent agents for the best price selection. They also have the ability to place coverage with additional companies that you may not be familiar with that may have much lower rates than larger companies.

Shown below are independent agencies in Denver who can help you get price quotes.

• L A Insurance
  2684 S Broadway – Denver, CO 80210 – (303) 282-8000 – View Map
• Moody Insurance Agency
  8055 E Tufts Ave #1000 – Denver, CO 80237 – (303) 824-6600 – View Map
• Affordable American Insurance-Lloyd Nguyen Agency
  1834 S Sheridan Blvd – Denver, CO 80232 – (303) 936-7233 – View Map

More insurance agents

Denver Insurance Prices are Influenced by These Factors

Lots of things are part of the calculation when you quote your car insurance policy. Most are fairly basic such as your driving history, although others are less obvious like your vehicle usage or your vehicle rating.

• More traffic equals higher premiums – Having an address in less populated areas of the country is a positive aspect when insuring your vehicles. People in densely populated areas have to deal with more traffic problems and much longer commute distances. Fewer drivers and short commutes means reduced accidents as well as less vandalism and auto theft.
• Premiums are lower the older you get – Older people tend to be more responsible, statistically cause fewer accidents, and tend to be get fewer driving tickets.Teenage drivers have a tendency to be easily distracted when driving with friends and because of this, their car insurance rates are much higher.
• Vehicle theft costs us all – Buying a car that has a built-in theft deterrent system can save you a little every year. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms all aid in stopping vehicle theft.
• Drive less and save – The more miles you rack up on your Acura each year the more you will pay for car insurance. Most insurance companies apply a rate based upon how you use the vehicle. Cars that sit idle most of the time get more affordable rates than those used for commuting. It’s a smart idea to ensure your car insurance coverage shows annual mileage, because it can save money. Improper usage on your RDX may be wasting your money.
• Do you qualify for a multi-policy discount? – Some insurance companies apply better rates to customers who have multiple policies with them such as combining an auto and homeowners policy. If you currently are using one company, it’s in your best interest to compare other Denver RDX insurance rates to make sure you are getting the best deal. You may still be able to save money even if you have your coverage with different companies
• Avoid tickets and save – How you drive has a big impact on rates. Having just one driving citation can boost insurance rates twenty percent or more. Drivers with clean records get better prices compared to bad drivers. Drivers unfortunate enough to have severe violations such as reckless driving or DUI might be required by their state to submit a SR-22 form with their state’s licensing department in order to drive a vehicle legally.
• Small claims can cost you – If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Insurance companies in Colorado award lower rates to people who do not file claims often. Your car insurance is designed for claims that pose a financial burden.
• Insurance losses for an Acura RDX – Insurance companies analyze historical claim data when determining insurance costs. Vehicles that historically have a trend towards higher claims will cost more to insure.

  The information below illustrates the insurance loss data used by companies for Acura RDX vehicles. For each coverage type, the claim amount for all vehicles compiled together is a value of 100. Values under 100 are indicative of better than average losses, while numbers shown that are more than 100 indicate more frequent losses or a tendency for losses to be larger than average.

  Auto Insurance Loss Data for Acura RDX Models

  Vehicle 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

Three reasons car insurance is important

Even though Denver RDX insurance rates can get expensive, insurance is a good idea for several reasons.

First, the majority of states have compulsory liability insurance requirements which means the state requires a specific minimum amount of liability in order to license the vehicle. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.

Second, if you have a loan on your vehicle, most banks will have a requirement that you buy insurance to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank will be required to insure your Acura at a much higher premium rate and force you to reimburse them for the expensive policy.

Third, insurance safeguards your Acura RDX and your assets. It also can pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability coverage also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.

The benefits of insuring your RDX greatly outweigh the cost, especially when you need to use it. But the average driver in Colorado is currently overpaying as much as $865 each year so smart consumers compare quotes each time the policy renews to be sure current rates are still competitive.

Find cheap auto insurance prices by comparing often

People leave their current company for any number of reasons including being labeled a high risk driver, delays in paying claims, extreme rates for teen drivers or even unfair underwriting practices. It doesn’t matter why you want to switch finding the right auto insurance provider can be easier than you think.

You just read many ideas to get a better price on Acura RDX insurance in Denver. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even be surprised to find that the lowest priced auto insurance comes from the smaller companies.

While you’re price shopping online, it’s very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped liability limits or collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to find the BEST coverage at the best price, but do not sacrifice coverage to save money.

Helpful information

• Older Drivers FAQ (iihs.org)
• Who Has the Cheapest Car Insurance Quotes for Police Officers in Denver? (FAQ)
• Who Has Affordable Denver Auto Insurance for a Ford Escape? (FAQ)
• What Car Insurance is Cheapest for a 20 Year Old Male in Denver? (FAQ)
• New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
• Red Light Cameras (State Farm)