Affordable Acura RDX Insurance in Boston

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Acura RDX insurance rates
Acura RDX insurance rates image courtesy of QuoteInspector.com

Discount Acura RDX insuranceA recent NerdWallet.com study revealed that most insurance customers kept their coverage with the same insurance company for at least the last four years, and about 40% of consumers have never compared rates with other companies. Massachusetts drivers could save $600 every year by just shopping around, but they just feel it's too hard to do a rate comparison.

It takes a little time, but the best way to get budget auto insurance rates is to do an annual price comparison from insurers in Boston.

First, try to learn about how car insurance works and the things you can control to prevent rate increases. Many risk factors that increase rates like at-fault accidents, careless driving, and a not-so-good credit score can be improved by making minor driving habit or lifestyle changes. Keep reading for information to help keep prices low and get bigger discounts.

Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or Allstate, while independent agencies can quote rates from many different companies. View rates

Third, compare the price quotes to your existing policy to see if switching to a new carrier will save money. If you can save money and change companies, make sure there is no lapse between the expiration of your current policy and the new one.

An important bit of advice to remember is to use the same deductibles and limits on each price quote and to quote with as many auto insurance providers as possible. Doing this ensures the most accurate price comparison and the best price quote selection.

The method we recommend to compare rates for Acura RDX insurance in Boston utilizes the fact most of the larger companies allow for online access to give free rates quotes. To begin a comparison, all you need to do is provide a little information such as driver details, if you require a SR-22, your occupation, and level of coverage desired. The data gets transmitted to many different companies and they return rate quotes immediately.

If you would like to compare rates now, click here and find out if you can get cheaper insurance in Boston.

The companies in the list below are ready to provide free quotes in Massachusetts. If you want cheap auto insurance in Massachusetts, we recommend you visit several of them to get the cheapest price.

Insuring your Acura RDX just makes sense

Even though it can be expensive, paying for insurance may be mandatory for several reasons.

  • Most states have compulsory liability insurance requirements which means you are required to carry a specific minimum amount of liability coverage if you don't want to risk a ticket. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If your Acura RDX has a lienholder, it's most likely the lender will make it mandatory that you have full coverage to guarantee loan repayment. If you default on your policy, the bank may insure your Acura at a much higher rate and require you to reimburse them for the much more expensive policy.
  • Insurance safeguards both your car and your personal assets. It will also cover medical bills for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of carrying adequate insurance more than cancel out the cost, especially with large liability claims. Unknowingly, the average driver is currently overpaying as much as $700 annually so we recommend shopping around once a year at a minimum to make sure the price is not too high.

Acura RDX insurance rate analysis

The rate table displayed next outlines a range of insurance costs for Acura RDX models. Having a good grasp of how rate quotes are figured can be valuable when making informed decisions.

Acura RDX Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $138 $282 $322 $18 $96 $856 $71
RDX AWD $138 $282 $322 $18 $96 $856 $71
RDX Technology Package 2WD $154 $332 $322 $18 $96 $922 $77
RDX Technology Package AWD $154 $332 $322 $18 $96 $922 $77
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Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Prices do not factor in specific location information which can revise coverage prices significantly.

Choosing deductibles

When buying auto insurance, a common question is which comprehensive and collision deductibles to buy. The comparison tables below help summarize the rate difference between high and low physical damage coverage deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second rate chart uses a $1,000 deductible.

Acura RDX insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $258 $436 $284 $16 $86 $1,105 $92
RDX AWD $258 $436 $284 $16 $86 $1,105 $92
RDX Technology Package 2WD $292 $512 $284 $16 $86 $1,215 $101
RDX Technology Package AWD $292 $512 $284 $16 $86 $1,215 $101
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Acura RDX insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $160 $274 $284 $16 $86 $820 $68
RDX AWD $160 $274 $284 $16 $86 $820 $68
RDX Technology Package 2WD $180 $322 $284 $16 $86 $888 $74
RDX Technology Package AWD $180 $322 $284 $16 $86 $888 $74
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Prices do not factor in garaging location in Boston which can affect price quotes greatly.

Based on this data, using a $250 deductible costs approximately $26 more each month or $312 annually across all Acura RDX models than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 29 months between claim filings, you would save money if you choose a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $250 deductibles: $97
Average monthly premium for $1,000 deductibles (subtract): - $71
Monthly savings from raising deductible: $26
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 29 months

One important caveat is that increasing deductibles to lower your rates results in more money out-of-pocket if you have a claim. It will be required that you have some extra savings in the event you have to pay the deductible to have repairs made.

How accidents and tickets impact rates in Boston

The example below shows how speeding tickets and fender-benders can raise Acura RDX yearly insurance costs for different age categories. The premiums are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

Annual premiums for males compared to females in Boston

The illustration below shows the difference between Acura RDX car insurance rates for male and female drivers. The premiums assume no tickets, no at-fault accidents, full physical damage coverage, $500 deductibles, marital status is single, and no additional discounts are factored in.

Rate difference between full and liability-only coverage

The diagram below shows the comparison of Acura RDX auto insurance rates with and without full coverage. The data is based on no claims or violations, $500 deductibles, drivers are not married, and no discounts are factored in.

Should you buy full coverage or liability only?

There isn't a written rule for eliminating physical damage insurance, but there is a general guideline. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let's pretend your Acura RDX book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after paying your deductible. If you are paying over $200 a year to have full coverage, then you might want to think about dropping full coverage.

There are some conditions where dropping full coverage is not a good idea. If you still owe a portion of the original loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not buy liability only.

Do you qualify for discounts?

The price of auto insurance can be rather high, but there could be significant discounts that can drop the cost substantially. A few discounts will be applied at the time of quoting, but a few need to be requested specifically before being credited. If you check and find you aren't receiving every discount available, you're just leaving money on the table.Save money with discounts

  • Full Payment Discount - If you can afford to pay the entire bill rather than paying monthly you may reduce your total bill.
  • Discounts for Safe Drivers - Drivers who don't get into accidents can save as much as half off their rates as compared to drivers with claims.
  • Air Bag Discount - Vehicles with factory air bags can qualify for discounts up to 30%.
  • Discounts for Federal Employees - Active or former government employment could qualify for a slight premium decrease depending on your insurance provider.
  • Good Students Pay Less - A discount for being a good student can be rewarded with saving of up to 25%. You can use this discount normally until age 25.
  • Military Rewards - Having a deployed family member could qualify you for better prices.
  • ABS and Traction Control Discounts - Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive so companies give up to a 10% discount.

As a disclaimer on discounts, some credits don't apply to the whole policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, it doesn't quite work that way.

The chart below illustrates the comparison of Acura RDX car insurance costs with and without policy discounts. The price estimates are based on a male driver, no claims or driving violations, Massachusetts 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 marriage, claim-free, safe-driver, multi-policy, multi-car, and homeowner discounts applied.

Auto insurance companies that have some of the above discounts include:

Before buying, ask every insurance company what discounts are available to you. Some credits may not be available in every state. To see insurance companies with the best discounts in Boston, click here to view.