Compare Acura RDX Insurance Quotes in Minneapolis

Do you want to stop overpaying and find the cheapest Acura RDX insurance in Minneapolis? Baffled by the dozens of auto insurance sources in your area? You’re not alone. There are such a vast assortment of sources available that it can easily become a real difficult job to find better prices for Acura RDX insurance in Minneapolis. Minneapolis is a great city to raise a family in, but having to pay for pricey auto insurance can make it nearly impossible for many drivers to affordably buy enough coverage.

Steps to finding low-cost Acura RDX insurance in Minneapolis

If saving the most money is your goal, then the best way to save on car insurance rates is to regularly compare price quotes from insurance carriers in Minneapolis.

A tip to remember is to use similar deductibles and liability limits on each quote request and and to get rates from as many companies as feasibly possible. This enables an apples-to-apples comparison and the best price quote selection.

Discount Acura RDX insuranceIt goes without saying that insurance companies don’t want policyholders to shop around. Drivers who shop for lower prices are very likely to switch to a new company because there is a significant possibility of finding a cheaper policy. A recent study showed that drivers who did price comparisons regularly saved over $3,450 over four years compared to policyholders who never compared rates.

If saving the most money on Acura RDX insurance is the reason you’re here, then knowing how to shop for auto insurance can make it easier to find better rates.

You need to compare premium rates before your policy renews because auto insurance rates fluctuate regularly. Even if you think you had the best deal on Acura RDX insurance in Minneapolis last year there is a good chance you can find better prices now. There are a lot of ways to save on RDX insurance on the internet, but I’m going to show you some tested techniques to find affordable auto insurance in Minneapolis.

Cheap companies for Acura RDX insurance

The car insurance companies shown below are ready to provide quotes in Minneapolis, MN. To get the best cheap car insurance in Minnesota, it’s a good idea that you click on several of them to get the best price comparison.

Rates and data analysis

The information shown next highlights different insurance premium costs for Acura RDX models. Having a good understanding how insurance prices are calculated can be of help when making smart choices when buying a car insurance policy.

Acura RDX Insurance Rates in Minneapolis, MN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $130 $254 $284 $16 $84 $768 $64
RDX AWD $130 $254 $284 $16 $84 $768 $64
RDX Technology Package 2WD $146 $300 $284 $16 $84 $830 $69
RDX Technology Package AWD $146 $300 $284 $16 $84 $830 $69
Get Your Own Custom Quote Go

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Minnesota minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium costs do not factor in Minneapolis location which can modify price quotes greatly.

Comparison of policy deductibles

One common question asked by Minneapolis drivers is which deductibles should you choose. The tables below lay out how much more rates are between high and low deductibles. The first pricing table uses a $100 deductible for comp and collision and the second data table uses a $1,000 deductible.

Acura RDX insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $272 $492 $270 $16 $80 $1,155 $96
RDX AWD $272 $492 $270 $16 $80 $1,155 $96
RDX Technology Package 2WD $308 $580 $270 $16 $80 $1,279 $107
RDX Technology Package AWD $308 $580 $270 $16 $80 $1,279 $107
Get Your Own Custom Quote Go

Acura RDX insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $152 $260 $270 $16 $80 $778 $65
RDX AWD $152 $260 $270 $16 $80 $778 $65
RDX Technology Package 2WD $170 $306 $270 $16 $80 $842 $70
RDX Technology Package AWD $170 $306 $270 $16 $80 $842 $70
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Minnesota minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Prices do not factor in the specific area where the vehicle is garaged which can raise or lower coverage prices considerably.

Based on the data above, we can derive that using a $100 deductible costs about $34 more each month or $408 a year than buying the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you average more than 26 months between claim filings, you would come out ahead if you elect the higher deductible.

The illustration below illustrates how your choice of deductibles and can influence Acura RDX premium costs for different age groups. The costs are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.

How much more does full coverage cost?

The illustration below compares Acura RDX car insurance rates with and without full coverage. The rates are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are single, and no other discounts are factored in.

When to eliminate full coverage

There isn’t a steadfast formula for eliminating full coverage, but there is a general school of thought. If the yearly cost of full coverage is about 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s pretend your Acura RDX claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $7,000 after paying your deductible. If you are paying more than $700 a year for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

There are some situations where eliminating full coverage is not a good idea. If you still owe a portion of the original loan, you have to carry 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 damaged, you should not eliminate full coverage.

Earn discounts on Minneapolis auto insurance

Auto insurance can be pricey, but you may qualify for discounts that you may not even be aware of. Some of these discounts will be visible at the time of purchase, but a few must be asked for in order for you to get them.Auto insurance discounts

Keep in mind that most credits do not apply to your bottom line cost. Most only reduce individual premiums such as collision or personal injury protection. Even though the math looks like you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

The illustration below compares Acura RDX auto insurance rates with and without discounts applied to the policy rates. The rates are based on a male driver, no claims, a clean driving record, Minnesota state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, multi-car, multi-policy, and marriage discounts applied.

Large auto insurance companies and their possible discounts are shown below.

Before purchasing a policy, check with each insurance company to give you their best rates. Some credits may not apply to policyholders in Minneapolis.

Learn How to Get Auto Insurance at a Discount

A large part of saving on auto insurance is knowing some of the factors that come into play when calculating your policy premiums. If you know what controls the rates you pay, this enables you to make decisions that will entitle you to lower premium levels.

Allowing your policy to lapse raises rates – Going without insurance is a quick way to drive up your policy premiums. And not only will your rates increase, not being able to provide proof of insurance can result in fines and jail time. Then you may be required to file a SR-22 with the Minnesota motor vehicle department.

Married people drive safer – Being married can get you a discount on your auto insurance bill. Having a significant other usually means you are more financially stable and it’s proven that married drivers tend to have fewer serious accidents.

Filing policy claims can increase rates – Companies in Minnesota award the best rates to people who do not rely on their insurance for small claims. If you are a frequent claim filer, you can definitely plan on higher rates. Auto insurance is designed for the large, substantial claims.

How’s your driving record? – Being a careful driver has a huge affect on how much you pay. Even one ticket can bump up the cost by as much as thirty percent. Drivers with clean records pay less for auto insurance compared to bad drivers. Drivers who have flagrant violations like DUI or reckless driving are required to complete a SR-22 with their state motor vehicle department in order to legally drive a vehicle.

The information below demonstrates how citations and accidents impact Acura RDX yearly insurance costs for different insured age categories. The prices are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are factored in.

Insurance loss data for an Acura RDX – Car insurance companies analyze the history of losses when they file their rates in each state. Vehicles that the data determines to have increased claim numbers or amounts will have increased rates.

The table below shows the historical loss data for Acura RDX vehicles. For each policy coverage, the loss probability for all vehicles, without regard to make or model, is a value of 100. Numbers below 100 represent a good loss history, while percentages above 100 indicate frequent claims or tendency to have larger claims.

Acura RDX Insurance Loss Statistics
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

Statistics from for 2013-2015 Model Years

Car insurance is available from local agents

Many drivers would rather buy from a licensed agent and that is OK! One of the benefits of comparing rates online is you may find cheap rate quotes but still work with a licensed agent.

Minneapolis insurance agentsFor easy comparison, once you complete this short form, the coverage information is immediately sent to agents in your area who will return price quotes and help you find cheaper coverage. It makes it easy because there is no need to contact any insurance agencies because quoted prices will be sent instantly to you. You can get cheaper car insurance rates without having to waste a lot of time. In the event you want to get a price quote from one company in particular, you just need to navigate to their website and fill out their quote form.

Finding the right provider shouldn’t rely on just a cheap price quote. These questions are important to ask:

When narrowing the list to find a local Minneapolis insurance agency, it helps to know the two types of agencies that you can select. Car insurance agents in Minneapolis can be classified as either exclusive or independent.

Exclusive Insurance Agencies

Exclusive insurance agents can only write with one company like American Family, State Farm, and Allstate. These agents are not able to place coverage with different providers so they have to upsell other benefits. They receive extensive training on the products they sell which aids in selling service over price. Consumers sometimes buy from the same agent for years mostly because of high brand loyalty and the convenience of having a single billing for all their coverages.

The following are Minneapolis exclusive insurance agencies willing to provide price quote information.

View more Minneapolis agents

Independent Insurance Agents

These type of agents are not required to write business for one company so they can write business with multiple insurance companies depending on which coverage is best. If your premiums go up, your agent can just switch to a different company and you don’t have to find a new agent.

When comparing rate quotes, we recommend you compare prices from at a minimum one independent agency to have the most options to choose from. Many independent agencies also insure through companies you’ve never heard of which can be an advantage.

Shown below is a short list of independent insurance agencies in Minneapolis that can give you rate quotes.

View more Minneapolis agents

A conclusion for your auto insurance search

As you quote Minneapolis car insurance, it’s a bad idea to reduce coverage to reduce premium. There are many occasions where someone dropped uninsured motorist or liability limits and learned later they didn’t have enough coverage. Your aim should be to buy a smart amount of coverage at the best cost while not skimping on critical coverages.

Insureds switch companies for a variety of reasons including high rates after DUI convictions, not issuing a premium refund, extreme rates for teen drivers or denial of a claim. Regardless of your reason, choosing a new insurance company is easier than you think.

You just read a lot of techniques to reduce Acura RDX insurance car insurance rates online in Minneapolis. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may even find the lowest car insurance rates come from some of the smallest insurance companies.

How to buy lower priced Acura RDX insurance in Minneapolis

If saving the most money is your goal, then the best way to quote cheaper Acura RDX insurance in Minneapolis is to regularly compare prices from companies in Minnesota.

  1. Learn about car insurance and the steps you can take to keep rates in check. Many rating factors that cause high rates such as accidents, careless driving, and an unacceptable credit history can be improved by making minor driving habit or lifestyle changes.
  2. Request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like Progressive and State Farm, while independent agents can provide prices from many different companies.
  3. Compare the new quotes to your existing rates and see if there is a cheaper rate. If you find a lower rate and buy the policy, ensure coverage does not lapse between policies.
  4. Provide adequate notice to your current company of your intent to cancel your current coverage and submit a completed application and payment to your new carrier. As soon as you can, place your new proof of insurance paperwork somewhere easily accessible.

A good piece of advice is to try to use the same coverage limits and deductibles on each quote and and to get quotes from every company you can. This enables a fair rate comparison and and a good selection of different prices.

To read more, feel free to browse these articles: