If you want to save the most money, the best way to get affordable Acura RDX insurance in Detroit is to compare quotes once a year from providers that insure vehicles in Michigan. Drivers can shop around by following these guidelines.
Step 1: Spend a few minutes and learn about how insurance companies determine prices and the steps you can take to keep rates low. Many rating factors that are responsible for high rates like traffic violations, accidents, and a not-so-good credit rating can be eliminated by making small lifestyle or driving habit changes.
Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like GEICO or Farmers Insurance, while independent agents can quote rates from multiple sources. Get quotes now
Step 3: Compare the new rate quotes to your current policy to see if switching to a new carrier will save money. If you can save money and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
One thing to remember is to use the same coverage limits and deductibles on each quote and and to get prices from as many different companies as possible. Doing this helps ensure an apples-to-apples comparison and a complete rate analysis.
It’s easy to assume that auto insurance companies don’t want you comparing rates. People who get comparison quotes at least once a year will probably move their business because they have good chances of finding coverage at a more affordable price. A recent car insurance study revealed that consumers who regularly compared rates saved on average $72 a month compared to people who never shopped around for lower prices.
If finding the most affordable Acura RDX insurance in Detroit is the reason for your visit, then having some knowledge of how to quote prices and compare auto insurance can make it simple to find affordable coverage.
When comparison shopping, comparing more prices increases your odds of finding a lower rate than you’re paying now. Some companies don’t provide Detroit RDX insurance quotes online, so it’s important to compare prices on coverage from those companies, too.
The companies shown below provide free quotes in Michigan. To get the best cheap auto insurance in Michigan, it’s highly recommended you get rates from several of them in order to find the most affordable rates.
Auto insurance does more than just repair your car
Despite the potentially high cost of Acura RDX insurance, maintaining insurance is required by state law in Michigan and it also provides benefits you may not be aware of.
- Most states have compulsory liability insurance requirements which means you are required to carry a specific minimum amount of liability protection in order to get the vehicle licensed. In Michigan these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Acura RDX has a lienholder, it’s guaranteed your bank will require that you have full coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the lender may have to buy a policy to insure your Acura at a significantly higher premium and make you pay the higher premium.
- Insurance safeguards both your assets and your Acura RDX. Insurance will pay for medical bills for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit in the event you are sued. If damage is caused by hail or an accident, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of carrying enough insurance more than cancel out the cost, particularly for liability claims. According to a recent study, the average American driver overpays more than $830 a year so you should quote rates each time the policy renews to ensure rates are competitive.
Insurance analysis for an Acura RDX
The premium table shown below highlights detailed analysis of insurance costs for Acura RDX models. Having a good grasp of how rates are formulated is important for making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RDX 2WD | $540 | $988 | $604 | $36 | $180 | $2,348 | $196 |
| RDX AWD | $540 | $988 | $604 | $36 | $180 | $2,348 | $196 |
| RDX Technology Package 2WD | $610 | $1164 | $604 | $36 | $180 | $2,594 | $216 |
| RDX Technology Package AWD | $610 | $1164 | $604 | $36 | $180 | $2,594 | $216 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Michigan minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Information does not factor in your specific Detroit location which can influence auto insurance rates greatly.
Can higher deductibles save money?
One common question asked by Detroit drivers is where to set your physical damage deductibles. The tables below highlight how much more rates are when you select higher and lower insurance deductibles. The first rate estimation uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RDX 2WD | $594 | $1074 | $586 | $34 | $176 | $2,489 | $207 |
| RDX AWD | $594 | $1074 | $586 | $34 | $176 | $2,489 | $207 |
| RDX Technology Package 2WD | $670 | $1264 | $586 | $34 | $176 | $2,755 | $230 |
| RDX Technology Package AWD | $670 | $1264 | $586 | $34 | $176 | $2,755 | $230 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RDX 2WD | $330 | $566 | $586 | $34 | $176 | $1,692 | $141 |
| RDX AWD | $330 | $566 | $586 | $34 | $176 | $1,692 | $141 |
| RDX Technology Package 2WD | $372 | $666 | $586 | $34 | $176 | $1,834 | $153 |
| RDX Technology Package AWD | $372 | $666 | $586 | $34 | $176 | $1,834 | $153 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Michigan minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in your specific Detroit location which can raise or lower premiums substantially.
Based on these figures, using a $100 deductible will cost you approximately $72 more each month or $864 a year than selecting the higher $1,000 deductible. Since you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 13 months between claims, you would probably come out ahead by going with a higher deductible.
Calculation for determining deductible levels
| Average monthly premium for $100 deductibles: | $219 |
| Average monthly premium for $1,000 deductibles (subtract): | – $147 |
| Monthly savings from raising deductible: | $72 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $72 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
Insurance premiums based on gender
The example below shows the comparison of Acura RDX insurance rates for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, full physical damage coverage, $100 deductibles, single marital status, and no discounts are factored in.
Does full coverage make sense?
The chart below illustrates the comparison of Acura RDX insurance costs when comparing full coverage to liability only. The prices are based on no accidents, no driving violations, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.
When to stop buying physical damage coverage
There is no definitive guideline for excluding comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of having full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
For example, let’s assume your Acura RDX book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $2,000 after paying your deductible. If it’s costing in excess of $200 a year for full coverage, then you might want to consider buying only liability coverage.
There are some circumstances where only buying liability is not in your best interest. If you still owe money on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.
Insurance policy discounts you can’t miss
Car insurance companies don’t list all discounts very clearly, so the next list breaks down both the well known as well as some of the hidden credits available to lower your premiums when you buy Detroit car insurance online.
- Full Payment Discount – By making one initial payment instead of making monthly payments you can avoid monthly service charges.
- Save with a New Car – Putting coverage on a new RDX may earn a small discount since newer vehicles are generally safer.
- Data Collection Discounts – Insureds that choose to allow data collection to track their driving habits by installing a telematics device such as Progressive’s Snapshot could possibly reduce rates as long as they are good drivers.
- Passenger Safety Discount – Options like air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
- College Student Discount – Any of your kids who are enrolled in higher education away from home without a vehicle on campus could qualify for this discount.
- Multiple Policy Discount – When you have multiple policies with one company you could earn a discount of at least 10% off all policies.
- Active Service Discounts – Being on active deployment in the military could mean lower premium rates.
- Switch and Save Discount – A few larger companies give discounts for signing up before your current RDX insurance policy expires. It can save you around 10%.
- Senior Citizen Rates – Seniors may be able to get a small decrease in premiums.
As a disclaimer on discounts, most credits do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, it doesn’t quite work that way.
The example below illustrates the difference between Acura RDX car insurance rates with and without discounts applied. The premiums are based on a female driver, no claims or violations, Michigan 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-car, multi-policy, marriage, claim-free, and safe-driver discounts applied.
Car insurance companies that may offer policyholders most of the discounts above may include but are not limited to:
When getting free Detroit car insurance quotes, it’s a good idea to all companies you are considering to apply every possible discount. Some credits may not be offered in your state. To view insurance companies that have a full spectrum of discounts in Michigan, click this link.
Insurance quotes from local neighborhood Detroit car insurance agents
Some people would rather buy from a local agent and that is just fine! One of the great benefits of comparing rate quotes online is the fact that drivers can get cheap rate quotes and still choose a local agent.
Upon completion of this form (opens in new window), the quote information is immediately sent to local insurance agents in Detroit who will gladly provide quotes for your insurance coverage. There is no need to search for an agent since rate quotes are delivered to you directly. You can find better rates without having to waste a lot of time. In the event you want to compare prices for a specific company, don’t hesitate to search and find their rate quote page and fill out the quote form the provide.
Picking the best provider requires more thought than just the premium amount. Any agent in Detroit should have no problem answering these questions:
- Does the agency support the community they serve?
- Are they paid to recommend certain coverages?
- How long have they worked with personal auto insurance coverage?
- How often do they review policy coverages?
- What companies can they write with?
- Does the agent have professional designations like CIC, CPCU or AIC?
If you’re trying to find a good Detroit insurance agent, it helps to know the two different types of agencies and how they are slightly different. Detroit agents are categorized either independent or exclusive depending on the company they work for.
Exclusive Agents
These agents can only provide pricing for a single company and some examples include Farmers Insurance, State Farm, or Allstate. These agents are unable to compare rates from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are well schooled in insurance sales which helps them compete with independent agents.
Shown below is a short list of exclusive agents in Detroit who may provide you with price quote information.
Allstate Insurance: Ago Benavides
3570 W Vernor Hwy – Detroit, MI 48216 – (313) 849-2000 – View Map
State Farm – Eric Huffman
3031 W Grand Blvd #568 – Detroit, MI 48202 – (313) 875-3172 – View Map
John Cash – State Farm Insurance Agent
19203 Grand River Ave – Detroit, MI 48223 – (313) 537-1200 – View Map
Independent Agencies or Brokers
Agents in the independent channel do not write with just one company so they can insure your vehicles with lots of companies and help determine which has the cheapest rates. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to do anything.
When shopping rates, you absolutely need to include price quotes from a couple of independent agencies to maximize your price options.
Listed below are Detroit independent agencies who can help you get comparison quotes.
Clark Insurance Agency
2711 E Jefferson Ave #206 – Detroit, MI 48207 – (313) 259-6600 – View Map
C B Irwin Insurance
2357 W Grand Blvd – Detroit, MI 48208 – (313) 894-2144 – View Map
Michigan SR22 Insurance – Select Insurance Group
Atwater St – Detroit, MI 48226 – (877) 949-7873 – View Map
If you feel you receive reasonable responses to your questions as well as a affordable price, you’ve probably found a car insurance agent that will provide insurance coverage.
Don’t assume everyone needs the same auto insurance coverage
When quoting and choosing the best auto insurance coverage, there really is no best way to insure your cars. Your needs are unique to you.
For instance, these questions may help highlight if your situation could use an agent’s help.
- Do I need rental car coverage?
- Are my friends covered when driving my car?
- Should I carry comprehensive and collision coverage?
- Can I use my car for my catering business?
- Why is insurance for a teen driver so high in Detroit?
- What is roadside assistance coverage?
- Will damage be repaired with OEM parts?
- Who is covered by my policy?
If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form.
A little work can save a LOT of money
Insureds leave their current company for any number of reasons including lack of trust in their agent, high rates after DUI convictions, an unsatisfactory settlement offer and even not issuing a premium refund. No matter why you want to switch, finding a new company is not as difficult as it may seem.
When getting Detroit car insurance quotes online, it’s very important that you do not buy less coverage just to save a little money. In too many instances, consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage at the best possible price, but don’t skip important coverages to save money.
We’ve covered a lot of techniques to compare Acura RDX insurance car insurance rates in Detroit. The key concept to understand is the more quotes you get, the better likelihood of getting the cheapest Acura RDX rate quotes. Consumers could even find that the lowest car insurance rates come from some of the smallest insurance companies.
More detailed insurance information can be read in these articles:
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- Who Has the Cheapest Detroit Auto Insurance for a Dodge Journey? (FAQ)
- What Insurance is Cheapest for Drivers with a Bad Driving Record in Detroit? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Honda Accord in Detroit? (FAQ)
- How Much is Detroit Car Insurance for a Hyundai Santa Fe? (FAQ)
- Who Has Affordable Detroit Auto Insurance Quotes for Felons? (FAQ)
- What Auto Insurance is Cheapest for Ride Shares in Detroit? (FAQ)
- How Much is Detroit Auto Insurance for Welfare Recipients? (FAQ)
- Who Has the Cheapest Detroit Car Insurance Rates for Teenagers? (FAQ)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)