Compare Acura RDX Insurance Quotes in Pittsburgh

How many times have you told yourself to find more affordable Acura RDX insurance in Pittsburgh? Have you fallen victim to an under-performing, overpriced auto insurance policy? It’s quite common and there are lots of people in the same boat.

Astonishing but true according to a recent study, over 70% of Pennsylvania drivers kept their policy with the same company for at least the last four years, and 38% of customers have never even compared quotes to find cheaper rates. American insurance shoppers could save up to 47% a year, but most undervalue the big savings they would realize if they changed companies. Due to the increasing number of companies to choose from that have cheap insurance for an Acura RDX in Pittsburgh, it’s difficult to locate the right company.

It is always a good idea to take a look at other company’s rates before your next renewal since insurance prices are adjusted regularly by insurance companies. Just because you had the best deal on Acura RDX insurance in Pittsburgh two years ago there may be better deals available now. Ignore everything you know about auto insurance because you’re about to learn the proper way to find lower rates on auto insurance.

Cheaper Pittsburgh car insurance rates with discounts

Some insurance providers don’t always advertise the entire discount list in an easy-to-find place, so here is a list a few of the more common as well as some of the hidden discounts that you can inquire about if you buy Pittsburgh car insurance online.

• Discount for Good Grades – This discount may save you up to 25%. Most companies allow this discount up to age 25.
• Pittsburgh Homeowners Discount – Just owning your own home can save you money because it means you have a higher level of financial diligence.
• Government Employees – Simply working for the federal government may qualify for a discount when you quote Pittsburgh car insurance with certain companies.
• Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use their safety belts could save 15% on the premium charged for medical payments and/or PIP.
• Defensive Driver – Taking time to complete a course teaching safe driver skills could earn you a small percentage discount if your company offers it.
• Discount for New Cars – Putting car insurance coverage on a new RDX can save you some money because new model year vehicles have to meet stringent safety requirements.
• Low Mileage – Low annual miles can qualify you for slightly better car insurance rates than normal.
• Resident Student – Youth drivers who are enrolled in higher education away from home without a vehicle on campus can receive lower rates.

A quick disclaimer, most of the big mark downs will not be given to all coverage premiums. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think adding up those discounts means a free policy, you aren’t that lucky.

The example below illustrates the comparison of Acura RDX auto insurance rates with and without discounts applied to the premium. The premium estimates are based on a female driver, no claims or violations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, safe-driver, claim-free, homeowner, and multi-policy discounts applied.

A few popular companies and some of their more popular discounts are included below.

• State Farm offers discounts for safe vehicle, driver’s education, accident-free, multiple autos, student away at school, defensive driving training, and Drive Safe & Save.
• Progressive discounts include continuous coverage, online quote discount, good student, online signing, multi-vehicle, and multi-policy.
• Progressive policyholders can earn discounts including good student, continuous coverage, online quote discount, multi-policy, online signing, homeowner, and multi-vehicle.
• MetLife may include discounts for claim-free, multi-policy, good driver, accident-free, good student, and defensive driver.
• Farm Bureau may offer discounts for good student, driver training, renewal discount, multi-policy, youthful driver, and 55 and retired.
• GEICO offers premium reductions for military active duty, driver training, multi-policy, membership and employees, seat belt use, anti-lock brakes, and daytime running lights.
• SAFECO may have discounts that include bundle discounts, teen safety rewards, anti-lock brakes, accident prevention training, and homeowner.

When getting a coverage quote, ask every insurance company to give you their best rates. Some of the discounts discussed earlier might not be offered in Pittsburgh. To find car insurance companies who offer cheap Acura RDX insurance quotes in Pittsburgh, click here to view.

The companies shown below can provide quotes in Pittsburgh, PA. To locate the best auto insurance in Pennsylvania, it’s highly recommended you visit as many as you can to get the lowest price.

Data for Acura RDX insurance

The rate table displayed below showcases estimates of coverage prices for Acura RDX models. Having a better understanding of how rate quotes are calculated can be useful when making smart choices when comparing insurance rates.

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Price information does not factor in the specific area where the vehicle is garaged which can alter coverage prices greatly.

Policy deductibles

One of the hardest decisions when shopping for auto insurance is how high or low should comp and collision deductibles be. The data tables below may help you to understand the rate fluctuation when you buy lower versus higher physical damage coverage deductibles. The first data set uses a $250 deductible for comp and collision 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 Pennsylvania minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Price estimates do not factor in your specific Pittsburgh location which can affect price quotes greatly.

Using the premium rates above, we can conclude that using a $250 deductible costs an average of $14 more each month or $168 a year than buying the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at least 18 months between claim filings, you would probably come out ahead if you choose a higher deductible.

Difference between liability only and full coverage rates

The chart below shows the comparison of Acura RDX premium costs when comparing full coverage to state minimum liability only. The information is based on no claims or driving violations, $500 deductibles, marital status is single, and no additional discounts are factored in.

When to drop comp and collision

There is no written rule to delete comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let’s say your Acura RDX replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $6,000 after you pay the deductible. If you are paying over $600 annually to have full coverage, then it’s probably a good time to buy liability coverage only.

There are a few situations where dropping physical damage coverage is not a good idea. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not drop full coverage.

Which is the best car insurance?

When choosing the right insurance coverage, there really is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that can aid in determining if you may require specific advice.

• How much underlying liability do I need for an umbrella policy?
• When should I drop full coverage on my Acura RDX?
• What is an SR-22 filing?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Can I afford low physical damage deductibles?
• If I drive on a suspended license am I covered?
• Do I need motorclub coverage?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Car insurance agents can find coverage gaps

Some people prefer to go talk to an agent and that is OK! Most agents are highly skilled in risk management and help file insurance claims. One of the best bonuses of getting online price quotes is that you can find lower rates but also keep your business local. Buying insurance from local insurance agents is especially important in Pittsburgh.

Upon completion of this quick form, your insurance data is emailed to local insurance agents who will give you bids for your insurance coverage. It’s much easier because you don’t need to contact any agents because prices are sent to you directly. If for some reason you want to get a rate quote from a particular provider, don’t hesitate to find their quoting web page and fill out their quote form.

Multiple types of car insurance agents in Pittsburgh

If you want to use a reliable agent, it’s helpful to know the types of agencies and how they function. Pittsburgh agents can either be independent or exclusive depending on the company they work for. Both types can do a good job, but it’s worth mentioning the difference in how they write coverage since it can impact the type of agent you choose.

Independent Auto Insurance Agencies

Agents that choose to be independent are not required to write business for one company so they have the ability to put coverage with lots of companies and potentially find a lower price. If they find a cheaper price, they simply move the coverage in-house and you won’t have to switch agencies. When searching for an agent, you definitely need to include price quotes from at a minimum one independent agency in order to have the best price comparison.

The following is a short list of independent agencies in Pittsburgh that may be able to give you rate quotes.

More insurance agents

Exclusive Auto Insurance Agencies

Exclusive agencies can only provide pricing for a single company such as Allstate, State Farm and Farmers Insurance. They generally cannot give you multiple price quotes so keep that in mind. Exclusive insurance agents are highly trained on their company’s products and that allows them to sell at a higher price point.

The following are Pittsburgh exclusive insurance agencies who can help you get price quotes.

More insurance agents

Finding the right car insurance agent is decision based upon more than just the premium amount. Any agent in Pittsburgh should be willing to answer these questions.

• How long have they been in business?
• Is the agency active in community causes in Pittsburgh?
• Can they provide you with a list of referrals?
• Do they make recommendations based only on price?
• Are they involved in claim handling?
• Do they have designations such as AIC, CPCU, or CIC?

Best car insurance company in Pennsylvania

Choosing a high-quality insurance company can be difficult considering how many companies provide coverage in Pittsburgh. The company rank data in the lists below can help you select which companies you want to consider when comparing rate quotes.

Top 10 Pittsburgh Car Insurance Companies Ranked by Claims Service

1. Progressive
2. USAA
3. Liberty Mutual
4. State Farm
5. GEICO
6. Titan Insurance
7. Nationwide
8. Allstate
9. The General
10. 21st Century

In the end, you can save money

People leave their current company for a number of reasons such as questionable increases in premium, policy cancellation, being labeled a high risk driver and even denial of a claim. Regardless of your reason for switching companies, finding a new car insurance company is not as hard as you think.

While you’re price shopping online, never skimp on critical coverages to save a buck or two. Too many times, drivers have reduced comprehensive coverage or liability limits only to discover later that it was a big error on their part. The ultimate goal is to buy enough coverage at the best possible price and still be able to protect your assets.

Cost effective Acura RDX insurance is possible online and from local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who do not provide the ability to get a quote online and many times these regional insurance providers provide coverage only through independent agents.

Steps to buying affordable Acura RDX insurance in Pittsburgh

If you want to save the most money, the best way to save money on Acura RDX insurance is to begin comparing prices regularly from companies that sell auto insurance in Pittsburgh.

First, get an understanding of how your policy works and the things you can control to drop your rates. Many rating criteria that cause rate increases like getting speeding tickets and a less-than-favorable credit history can be rectified by making small lifestyle or driving habit changes.

Second, quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from one company like GEICO or Allstate, while agents who are independent can give you price quotes from multiple sources.

Third, compare the new rate quotes to the price on your current policy to see if switching to a new carrier will save money. If you find better rates and make a switch, ensure there is no coverage lapse between policies.

Fourth, provide notification to your current agent or company of your intent to cancel your current coverage. Submit the required down payment along with the signed application to your new agent or company. Once coverage is bound, keep the new certificate of insurance in an easily accessible location in your vehicle.

One thing to remember is to compare identical coverages on each price quote and and to get prices from every insurance company. This enables an accurate price comparison and a complete selection of prices.

Additional detailed information is located in the articles below:

• What is Gap Insurance? (Insurance Information Institute)
• Who Has Affordable Pittsburgh Auto Insurance for Uninsured Drivers? (FAQ)
• Who Has Cheap Auto Insurance Quotes for Real Estate Agents in Pittsburgh? (FAQ)
• Who Has Cheap Pittsburgh Auto Insurance for Veterans? (FAQ)
• Insurance Losses by Make and Model (iihs.org)
• Auto Insurance for Teen Drivers (Insurance Information Institute)