Cheapest Quotes for Acura RDX Insurance in Oklahoma City

If you want to save the most money, the best way to get low-cost Acura RDX insurance in Oklahoma City is to compare quotes annually from companies in Oklahoma. Price quotes can be compared by completing these steps.

First, get an understanding of the different coverages in a policy and the modifications you can make to prevent high rates. Many rating criteria that drive up the price such as at-fault accidents and a lousy credit rating can be eliminated by making minor changes to your lifestyle. Keep reading for additional tips to find cheap prices and find overlooked discounts.

Second, request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agents can provide rate quotes from multiple insurance companies.

Third, compare the new quotes to your existing policy and determine if there is any savings. If you can save some money and buy the policy, verify that coverage does not lapse between policies.

Fourth, notify your company or agent of your decision to cancel your current coverage and submit payment and a completed application to your new company or agent. Once the application is submitted, keep your new proof of insurance certificate somewhere easily accessible.

One thing to remember is to compare the same coverage limits and deductibles on each quote request and and to look at as many companies as possible. This guarantees a level playing field and the most accurate and complete price analysis.

Sad but true, almost 70% of insureds in Oklahoma kept their coverage with the same car insurance company for four years or more, and practically 40% of car insurance customers have never compared quotes from other companies. Most drivers in the U.S. could save an average of up to $859 each year by just comparing rate quotes, but they don’t want to spend time to compare rates and save money.

Most major insurance companies make it easy to get coverage price quotes on their websites. Doing online quotes for Acura RDX insurance in Oklahoma City can be done by anyone as you just type in your required coverages as requested by the quote form. After the form is submitted, the company’s rating system sends out for reports for credit and driving violations and generates a price determined by many factors. Using the web to get price quotes for Acura RDX insurance in Oklahoma City makes it simple to compare prices and it is important to compare as many rates as possible if you want to get the best rate.

To quickly get comparison pricing now, take a look at the companies shown below. If you have a policy now, it’s recommended that you enter the coverage information just like they are on your policy. Using the same limits helps guarantee you will receive a rate comparison based on the exact same insurance coverage.

The companies in the list below offer comparison quotes in Oklahoma. If multiple companies are shown, we suggest you visit two to three different companies to get the most affordable price.

Car insurance in Oklahoma serves several purposes

Despite the potentially high cost of Acura RDX insurance, insurance serves several important purposes.

• Just about all states have mandatory insurance requirements which means the state requires a specific minimum amount of liability protection if you don’t want to risk a ticket. In Oklahoma these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you took out a loan on your Acura, almost every bank will make it a condition of the loan that you carry insurance to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Acura for a lot more money and force you to pay the higher price.
• Car insurance protects your Acura RDX and your assets. It will also provide coverage for all forms of medical expenses for yourself as well as anyone injured by you. Liability insurance will also pay for a defense attorney if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of buying enough insurance are without a doubt worth the cost, particularly if you ever have a claim. Today the average American driver is currently overpaying as much as $820 a year so we recommend shopping around every year to ensure rates are inline.

Acura RDX detailed coverage information

The rate information displayed below outlines estimates of insurance costs for Acura RDX models. Learning as much as possible about how auto insurance policy rates are calculated is important for making informed decisions when shopping around for a new policy.

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in vehicle location which can influence coverage prices substantially.

Physical damage deductibles

The hardest decision when buying coverage is where should you set your physical damage deductibles. The figures shown below can help illustrate the premium difference when you choose different insurance deductibles. The first rate quote example uses a $100 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Information does not factor in vehicle location which can decrease or increase auto insurance rates considerably.

Based on the above data, using a $100 deductible costs an average of $32 more each month or $384 every year than selecting the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you go at least 13 months between claim filings, you would come out ahead by selecting a higher deductible.

Does it make sense to buy full coverage?

The example below shows the comparison of Acura RDX insurance premiums when comparing full coverage to liability only. The data is based on no violations or accidents, $100 deductibles, drivers are single, and no discounts are taken into consideration.

Are you wasting money on full coverage?

There is no definitive guideline to exclude physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Acura RDX book value is $3,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $2,000 after paying your deductible. If it’s costing in excess of $200 annually for full coverage, then it might be time to buy liability only.

There are a few situations where eliminating full coverage is not financially feasible. If you still owe money on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Cheaper Oklahoma City auto insurance rates with discounts

Companies that sell car insurance don’t always list every discount in an easy-to-find place, so we took the time to find a few of the more well known in addition to some of the lesser obvious credits available to you.

• Life Insurance Discount – If the company offers life insurance, you could get lower prices if you buy some life insurance too.
• Own a Home and Save – Owning a home in Oklahoma City can save you money because it requires a higher level of personal finance.
• Passenger Safety Discount – Options like air bags can qualify for discounts of 20% or more.
• Good Driver Discounts – Drivers who avoid accidents may receive a discount up to 45% than drivers with accidents.
• Distant Student Discount – College-age children who live away from home to go to college and do not have access to a covered vehicle could qualify for this discount.

We need to note that many deductions do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like comp or med pay. Despite the appearance that you could get a free auto insurance policy, companies don’t profit that way.

The chart below visualizes the comparison of Acura RDX auto insurance costs with and without discounts applied to the rates. Data assumes a female driver, no claims or driving citations, Oklahoma state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, marriage, multi-car, claim-free, and safe-driver discounts applied.

Large auto insurance companies and some of the premium reductions they offer are shown below.

• Esurance may have discounts that include defensive driver, DriveSense, multi-car, emergency road assistance, paid-in-full, and multi-policy.
• The Hartford may offer discounts for driver training, air bag, anti-theft, bundle, and good student.
• AAA discounts include multi-policy, multi-car, good student, AAA membership discount, good driver, and pay-in-full.
• GEICO offers premium reductions for military active duty, air bags, defensive driver, seat belt use, driver training, good student, and anti-lock brakes.
• State Farm may include discounts for Drive Safe & Save, accident-free, driver’s education, student away at school, and defensive driving training.

Before purchasing a policy, check with every prospective company to apply every possible discount. All car insurance discounts may not apply to policies in Oklahoma City. For a list of insurers with discount auto insurance rates in Oklahoma City, click here to view.

Comparing quotes from local Oklahoma City insurance agents

Some people just prefer to talk to an insurance agent and there is nothing wrong with that. Most agents are highly skilled in risk management and help you file claims. A good thing about price shopping on the web is you can get cheap car insurance rates and still choose a local agent. Supporting local insurance agents is definitely important in Oklahoma City.

To make it easy to find an agent, after completing this form (opens in new window), the quote information is transmitted to local insurance agents who will give you bids for your business. It’s much easier because you don’t need to find an agent on your own since price quotes are sent immediately to you. If you need to get a price quote from a specific car insurance provider, feel free to navigate to their website and fill out the quote form the provide.

Below is a short list of car insurance companies in Oklahoma City that may be willing to give price quotes for Acura RDX insurance in Oklahoma City.

View more agents

Deciding on an insurance company requires you to look at more than just the bottom line cost. Here are some questions you should ask.

• Does the agent have professional designations like CIC, CPCU or AIC?
• What is their Better Business Bureau rating?
• Does the agency support the community they serve?
• Do they write coverage based solely on cost?
• Will high miles depreciate repair valuations?

Parts of your car insurance policy

Understanding the coverages of your policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types available from car insurance companies.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, damage from getting keyed, damage from flooding and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a mailbox, sustaining damage from a pot hole, crashing into a ditch, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible on your RDX to bring the cost down.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many Oklahoma drivers only purchase the least amount of liability that is required (which is 25/50/25), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are identical to your policy’s liability coverage.

Auto liability

Liability coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things such as court costs, emergency aid, medical services and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford. Oklahoma state minimum liability requirements are 25/50/25 but drivers should carry better liability coverage.

The chart below shows why minimum state limits may not provide adequate coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as ambulance fees, rehabilitation expenses, nursing services, surgery and doctor visits. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Quote often and quote early

Lower-priced car insurance in Oklahoma City is available online in addition to local insurance agencies, and you should compare rates from both in order to have the best price selection to choose from. Some insurance providers may not offer rate quotes online and many times these small insurance companies provide coverage only through independent insurance agencies.

We covered quite a bit of information on how to get a better price on Acura RDX insurance in Oklahoma City. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. You may even discover the best price on car insurance is with the smaller companies. They may have significantly lower rates on certain market segments than their larger competitors like Allstate or State Farm.

As you restructure your insurance plan, you should never reduce needed coverages to save money. There are many occasions where consumers will sacrifice collision coverage only to regret at claim time that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage at an affordable rate.

Much more information about car insurance in Oklahoma can be read on the following sites:

• Event Data Recorders FAQ (iihs.org)
• What Insurance is Cheapest for Teenagers in Oklahoma City? (FAQ)
• What Insurance is Cheapest for a Subaru Forester in Oklahoma City? (FAQ)
• Who Has Cheap Oklahoma City Car Insurance Quotes for Lyft Drivers? (FAQ)
• How Much are Auto Insurance Rates for a Jeep Grand Cherokee in Oklahoma City? (FAQ)
• Who Has Affordable Oklahoma City Auto Insurance for 16 Year Olds? (FAQ)
• Steps to Take After an Auto Accident (Insurance Information Institute)
• Child Safety FAQ (iihs.org)
• What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
• Auto Insurance Learning Center (State Farm)