Do you want to stop overpaying and find more competitive Acura RDX insurance in Anchorage? Buying affordable Anchorage Acura RDX insurance quotes over the internet can seem to be challenging for beginners to buying insurance online. With so many insurance agents and companies, how are people expected to possibly compare every possible option in order to find lower insurance premiums?
A recent study showed that the vast majority of consumers kept their coverage with the same insurance company for at least four years, and just short of a majority have never compared rates with other companies. Many consumers in Anchorage could save up to 35% every year, but they just don’t understand the actual amount they would save if they moved their coverage to a different company.
Just keep in mind that comparing more quotes helps increase your odds of locating a lower rate than you’re paying now. Not every company does price estimates online, so it’s necessary to compare prices from them as well.
The providers in the list below provide free rate quotes in Anchorage, AK. If your goal is to find cheap car insurance in Alaska, we suggest you compare several of them to get a more complete price comparison.
Insurance coverage details
The premium information shown next covers a range of insurance prices for Acura RDX models. Being able to understand how insurance quotes are figured is important to be able to make decisions on which coverage to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|RDX Technology Package 2WD||$186||$380||$300||$18||$90||$974||$81|
|RDX Technology Package AWD||$186||$380||$300||$18||$90||$974||$81|
|Get Your Own Custom Quote Go|
Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alaska minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium amounts do not factor in vehicle garaging location which can impact coverage rates considerably.
Impact of speeding/accidents on Anchorage auto insurance rates
The example below shows how traffic citations and at-fault fender-benders can influence Acura RDX car insurance costs for different insured age categories. The data assumes a married female driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.
Comparison of auto insurance rates by gender and age
The example below illustrates the difference between Acura RDX auto insurance rates for male and female drivers. The rates are based on a clean driving record, no at-fault accidents, comp and collision included, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.
Liability only or full coverage
The example below shows the difference between Acura RDX insurance costs with full physical damage coverage and with liability coverage only. The information is based on a clean driving record, no claims, $250 deductibles, drivers are single, and no other discounts are factored in.
When to eliminate full coverage
There is no definitive formula to stop buying physical damage coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.
For example, let’s say your Acura RDX replacement cost is $4,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $3,000 after the deductible is paid. If it’s costing you more than $300 annually for physical damage coverage, then it might be time to buy liability only.
There are some scenarios where dropping physical damage coverage is not recommended. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should maintain full coverage.
Why you need auto insurance
Even though it can be expensive, insuring your vehicle serves a purpose in several ways.
First, just about all states have mandatory insurance requirements which means state laws require specific limits of liability insurance coverage in order to drive the car. In Alaska these limits are 50/100/25 which means you must have $50,000 of bodily injury coverage per person, $100,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you bought your Acura RDX with a loan, more than likely the lender will have a requirement that you carry insurance to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Acura at a significantly higher premium and require you to fork over a much higher amount than you were paying before.
Third, auto insurance preserves not only your vehicle but also your assets. It also can pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance will also pay attorney fees if anyone sues you for causing an accident. If damage is caused by hail or an accident, your auto insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of buying auto insurance more than cancel out the cost, particularly when you have a large claim. According to a 2015 survey, the average American driver is overpaying over $830 a year so you should quote and compare rates each time the policy renews to help ensure money is not being wasted.
Save a ton by taking advantage of these five discounts
Some insurers don’t list every possible discount very clearly, so the following is a list of both well-publicized and the harder-to-find credits that you can use to lower your rates.
- Payment Method – By making one initial payment rather than paying in monthly installments you can avoid monthly service charges.
- Seat Belt Discounts – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off the medical payments premium.
- Senior Discount – Drivers over the age of 55 may receive a slight reduction on a Anchorage car insurance quote.
- Theft Prevention Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and that can save you a little bit as well.
- Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in school or through a local driver safety program.
A little disclaimer on discounts, most discounts do not apply to the entire cost. Most cut specific coverage prices like comp or med pay. So when it seems like having all the discounts means you get insurance for free, you’re out of luck.
The information below shows the difference between Acura RDX insurance costs with and without discounts applied to the policy rates. The premium estimates are based on a female driver, no violations or claims, Alaska state minimum liability limits, full coverage, 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, homeowner, safe-driver, multi-policy, and multi-car discounts applied.
A list of auto insurance companies and a summarized list of policyholder discounts can be read below.
- GEICO offers discounts including air bags, driver training, seat belt use, anti-theft, emergency military deployment, defensive driver, and membership and employees.
- Mercury Insurance discounts include accident-free, multi-car, multi-policy, good student, age of vehicle, low natural disaster claims, and location of vehicle.
- Farmers Insurance has discounts for youthful driver, bundle discounts, good student, switch companies, homeowner, alternative fuel, and multi-car.
- Auto-Owners Insurance may offer discounts for anti-lock brakes, paperless, group or association, company car, mature driver, anti-theft, and safe driver.
- Liberty Mutual policyholders can earn discounts including hybrid vehicle, multi-car, new graduate, safety features, new move discount, newly retired, and new vehicle discount.
- SAFECO includes discounts for homeowner, safe driver, anti-theft, drive less, multi-car, teen safety rewards, and accident prevention training.
- Progressive offers discounts for continuous coverage, multi-vehicle, multi-policy, homeowner, online quote discount, online signing, and good student.
- USAA offers premium reductions for loyalty savings, annual mileage, multi-policy, defensive driver, and family discount.
If you need lower rates, check with each company or agent which discounts they offer. Discounts may not apply to policies in your area. For a list of insurers who offer discounts in Anchorage, click here.
Get rate quotes but buy from a neighborhood Anchorage auto insurance agent
Some people prefer to talk to an insurance agent and that can be a smart move One of the benefits of comparing rates online is the fact that drivers can get cheap auto insurance quotes and also buy local.
After completing this simple form, your information is sent to participating agents in Anchorage who will give competitive quotes and help you find cheaper coverage. There is no reason to search for any insurance agencies since price quotes are sent to you instantly. You can most likely find cheaper rates and work with a local agent. If you want to compare prices from a specific company, feel free to find their quoting web page and give them your coverage information.
Selecting a insurance company needs to be determined by more than just a cheap quote. Below are some questions you should ask.
- What company holds the largest book of business for them?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Does the agency have a positive business rating?
- Will one accident increase rates?
- Do they make recommendations based only on price?
- Are claims handled at the agent’s location?
- Are they giving you every discount you deserve?
The following are agents in Anchorage that may be willing to give comparison quotes for Acura RDX insurance in Anchorage.
- GEICO Insurance Agent
1830 E Parks Hwy a116 – Wasilla, AK 99654 – (907) 631-6001 – View Map
- Amanda Juliussen – State Farm Insurance Agent
5600 Debarr Road Ste 140 – Anchorage, AK 99504 – (907) 333-4131 – View Map
- Tim Graham – State Farm Insurance Agent
1417 W Northern Lights Blvd A – Anchorage, AK 99503 – (907) 561-4000 – View Map
- Stacey Allen – State Farm Insurance Agent
2203 W Dimond Blvd #100B – Anchorage, AK 99515 – (907) 277-2233 – View Map
Auto insurance is unique, just like you
Keep in mind that when it comes to choosing insurance from an agent or online for your personal vehicles, there is no one size fits all plan. Your situation is unique.
These are some specific questions might point out if you might need professional guidance.
- Is my cargo covered for damage or theft?
- Which companies are cheaper for teen drivers?
- What is medical payments coverage?
- Do I have coverage when pulling a U-Haul trailer?
- Do I pay less if my vehicle is kept in my garage?
- Do they offer discounts for home and auto coverage?
- Am I covered while delivering pizza?
- How much liability coverage do I need in Alaska?
- Where can I find DUI or SR-22 insurance?
- Does medical payments coverage apply to all occupants?
If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.
Specifics of your car insurance policy
Learning about specific coverages of car insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.
Liability insurance provides protection from damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/25 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $25,000.
Liability can pay for claims like pain and suffering, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford. Alaska requires drivers to carry at least 50/100/25 but it’s recommended drivers buy more liability than the minimum.
The next chart shows why buying the state minimum limits may not be adequate coverage.
This covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as hitting a bird, a broken windshield, hitting a deer and rock chips in glass. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Uninsured/Underinsured Motorist (UM/UIM)
This gives you protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Due to the fact that many Alaska drivers carry very low liability coverage limits (50/100/25), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP reimburse you for immediate expenses for doctor visits, nursing services, X-ray expenses and funeral costs. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as backing into a parked car, rolling your car, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also choose a higher deductible on your RDX in order to get cheaper collision rates.
Find cheaper auto insurance prices by comparing often
When getting Anchorage car insurance quotes online, don’t be tempted to reduce needed coverages to save money. There are too many instances where consumers will sacrifice full coverage and found out when filing a claim that it was a big mistake. Your aim should be to find the BEST coverage at the best price, but do not sacrifice coverage to save money.
Budget-friendly auto insurance in Anchorage is attainable on the web as well as from insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some auto insurance companies don’t offer online price quotes and usually these regional carriers only sell coverage through independent agents.
In this article, we covered some good ideas how you can save on Acura RDX insurance in Anchorage. The key concept to understand is the more you quote Anchorage car insurance, the higher the chance of saving money. Consumers could even find that the best premium rates are with a smaller regional carrier.
How to buy discount Acura RDX insurance in Anchorage
Truthfully, the best way to find the cheapest price for Acura RDX insurance in Anchorage is to regularly compare quotes from insurance carriers that sell auto insurance in Alaska. Price quotes can be compared by following these steps.
First, take a little time to learn about how insurance works and the measures you can control to keep rates down. Many risk factors that result in higher prices such as traffic citations and a poor credit score can be improved by making minor driving habit or lifestyle changes.
Second, compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like GEICO or State Farm, while independent agencies can provide rate quotes for a wide range of companies.
Third, compare the new quotes to your existing policy to see if a cheaper rate is available. If you find better rates and decide to switch, make sure there is no lapse in coverage.
A good piece of advice is to use the same liability limits and deductibles on each price quote and and to get rate quotes from as many companies as feasibly possible. Doing this ensures a fair rate comparison and a better comparison of the market.
Additional detailed information can be read at these sites:
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Who Has Affordable Car Insurance Rates for Government Employees in Anchorage? (FAQ)
- How Much is Car Insurance for Low Income Drivers in Anchorage? (FAQ)
- What Insurance is Cheapest for Drivers with Accidents in Anchorage? (FAQ)
- What Car Insurance is Cheapest for Unemployed Drivers in Anchorage? (FAQ)
- How Much are Auto Insurance Rates for Used Cars in Anchorage? (FAQ)
- How Much are Anchorage Car Insurance Quotes for a Honda Accord? (FAQ)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Teen Driving and Texting (State Farm)
- What is Covered by GAP Insurance? (Allstate)
- Teen Driving Statistics (iihs.org)