It goes without saying that car insurance companies don’t want you to compare rates. People who shop for lower prices will probably buy a new policy because the odds are good of finding lower prices. Remarkably, a study showed that people who shopped around saved as much as $3,500 over four years compared to policyholders who never shopped around.
If finding discount rates on car insurance in Cleveland is your ultimate goal, then knowing how to get free comparison quotes and analyze insurance rates can help you be more efficient.
The preferred way to get the cheapest Acura RDX insurance is to compare quotes annually from insurance carriers who sell auto insurance in Cleveland.
- Take a few minutes and learn about how auto insurance works and the things you can change to lower rates. Many factors that result in higher rates such as multiple speeding tickets and a poor credit rating can be improved by making minor driving habit or lifestyle changes.
- Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from a single company like GEICO and State Farm, while independent agents can provide prices from many different companies.
- Compare the new rates to your existing rates to see if a cheaper price is available in Cleveland. If you can save money, make sure there is no coverage gap between policies.
- Notify your current company to cancel your existing policy and submit the application along with any required down payment to your new carrier. As soon as coverage is bound, keep the new proof of insurance certificate above your visor, in the console, or in the glove compartment.
The critical component of shopping around is that you’ll want to make sure you compare similar coverage information on every quote and and to get quotes from as many car insurance companies as possible. Doing this guarantees the most accurate price comparison and a thorough price selection.
Low Cost companies for Acura RDX insurance in Ohio
The providers in the list below have been selected to offer free quotes in Cleveland, OH. If multiple companies are listed, it’s a good idea that you get rates from several of them to find the most competitive car insurance rates.
Facts and figures for Acura RDX insurance
The information shown below showcases a range of insurance premium costs for Acura RDX models. Learning a little about how auto insurance premiums are calculated is important for drivers to make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RDX 2WD | $150 | $290 | $218 | $12 | $66 | $736 | $61 |
| RDX AWD | $150 | $290 | $218 | $12 | $66 | $736 | $61 |
| RDX Technology Package 2WD | $170 | $342 | $218 | $12 | $66 | $808 | $67 |
| RDX Technology Package AWD | $170 | $342 | $218 | $12 | $66 | $808 | $67 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Premium amounts do not factor in garaging location in Cleveland which can raise or lower premiums substantially.
Policy deductibles
The hardest decision when buying coverage is where should you set your physical damage deductibles. The premium rates below illustrate the premium difference when you choose different physical damage coverage deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RDX 2WD | $196 | $352 | $192 | $12 | $58 | $835 | $70 |
| RDX AWD | $196 | $352 | $192 | $12 | $58 | $835 | $70 |
| RDX Technology Package 2WD | $220 | $416 | $192 | $12 | $58 | $923 | $77 |
| RDX Technology Package AWD | $220 | $416 | $192 | $12 | $58 | $923 | $77 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RDX 2WD | $142 | $238 | $192 | $12 | $58 | $642 | $54 |
| RDX AWD | $142 | $238 | $192 | $12 | $58 | $642 | $54 |
| RDX Technology Package 2WD | $160 | $280 | $192 | $12 | $58 | $702 | $59 |
| RDX Technology Package AWD | $160 | $280 | $192 | $12 | $58 | $702 | $59 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in Cleveland location which can revise rates noticeably.
We can estimate from the data above that using a $100 deductible will cost you roughly $17 more each month or $204 for a full year than buying the higher $500 deductible. Since you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at least 24 months between claims, you would more than likely save some money going with the higher deductible. Below is the way you can perform this determination yourself.
| Average monthly premium for $100 deductibles: | $74 |
| Average monthly premium for $500 deductibles (subtract): | – $57 |
| Monthly savings from raising deductible: | $17 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $17 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 24 months |
Acura RDX liability-only versus full coverage
The illustration below shows the difference between Acura RDX auto insurance costs with liability coverage only compared to full coverage. The premiums are based on no claims or driving violations, $500 deductibles, marital status is single, and no additional discounts are factored in.
Are you wasting money paying for full coverage?
There isn’t a written rule to delete full coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
For example, let’s pretend your Acura RDX book value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $8,000 after paying your policy deductible. If you are paying in excess of $800 a year for your policy with full coverage, then you might want to consider buying only liability coverage.
There are some circumstances where only buying liability is not advised. If you haven’t satisfied your loan, you have to keep full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
Why Your Insurance Costs might be higher
Multiple criteria are considered when you quote your car insurance policy. Some factors are common sense such as traffic violations, although some other factors are less obvious like your vehicle usage or your vehicle rating. When buying car insurance it’s important to understand some of the elements that go into determining your premiums. If you know what influences your rates, this enables you to make decisions that will entitle you to much lower annual insurance costs.
Filing claims can cost more – Auto insurance companies in Ohio award discounts to policyholders who are not frequent claim filers. If you file a lot of claims you can expect higher premiums or even policy non-renewal. Insurance coverage is designed for claims that pose a financial burden.
Eliminate extra coverages – There are many additional coverages that you can buy but may not be useful. Add-on coverages like coverage for rental cars, death and dismemberment, and additional equipment coverage could be just wasting money. These coverages may sound good at first, but if they’re wasting money get rid of them and save.
Deter car thieves – Choosing to buy a car with an alarm system can help bring down rates. Anti-theft features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart your car from being stolen.
Drive less and pay lower prices – The higher the miles on your Acura in a year the more it will cost to insure it. Many insurance companies calculate prices based upon how much you drive. Vehicles left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your RDX may be costing you higher rates. It’s a good idea to make sure your policy is showing annual mileage, because it can save money.
Never let your car insurance policy lapse – Not having insurance can get you a ticket and as a result your rates will increase for letting your coverage lapse. In addition to paying higher rates, failure to provide proof of insurance may earn you a fine, jail time, or a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with the Ohio motor vehicle department.
Five star crash test rating saves money – Safer cars are cheaper to insure. Safer cars reduce occupant injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims which can mean better rates for you. If your Acura RDX has at least four stars on Safercar.gov you may pay a lower rate.
Insurance losses for an Acura RDX – Auto insurance companies include the past claim trends for vehicles to help calculate premium prices. Models that historically have increased claim numbers or amounts will have a higher cost to insure. The next table illustrates the insurance loss data for Acura RDX vehicles.
For each policy coverage type, the loss probability for all vehicles, regardless of make, model or trim level, is set at 100. Values that are below 100 represent a good loss history, while numbers that are greater than 100 indicate higher probability of having a loss or an increased chance of a larger loss.
| 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 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Do you qualify for discounts on Acura RDX insurance in Cleveland?
Insurance is not cheap nor is it fun to buy but discounts can save money and there are some available that could drop your premiums quite a bit. Certain credits will be shown when you quote, but a few must be specifically requested before you will receive the discount.
- Payment Method – If you can afford to pay the entire bill rather than paying in monthly installments you could save up to 5%.
- Active Military Service – Having an actively deployed family member could qualify you for better rates.
- New Car Discount – Adding a new car to your policy can save you some money since newer vehicles are generally safer.
- Include Life Insurance and Save – Select insurance companies reward you with a break if you buy life insurance from them.
- Own a Home and Save – Being a homeowner can get you a discount because it shows financial diligence.
While discounts sound great, it’s important to understand that some credits don’t apply to all coverage premiums. Most only reduce the price of certain insurance coverages like medical payments or collision. So when the math indicates you could get a free insurance policy, it doesn’t quite work that way.
The diagram below shows the difference between Acura RDX insurance prices with and without discounts applied to the policy premium. The costs are based on a male driver, no claims or driving citations, Ohio state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, homeowner, claim-free, and multi-policy discounts applied.
A list of insurance companies and a partial list of their discounts are detailed below.
- Progressive offers discounts including multi-policy, continuous coverage, multi-vehicle, online signing, online quote discount, and good student.
- SAFECO has savings for bundle discounts, accident prevention training, drive less, homeowner, teen safety rewards, multi-car, and teen safe driver.
- American Family includes discounts for air bags, Steer into Savings, early bird, mySafetyValet, and good student.
- MetLife offers discounts for good student, defensive driver, claim-free, multi-policy, accident-free, and good driver.
- GEICO has discounts for multi-vehicle, driver training, federal employee, multi-policy, and seat belt use.
- The Hartford may have discounts that include bundle, driver training, anti-theft, defensive driver, air bag, good student, and vehicle fuel type.
Double check with each insurance company what discounts are available to you. Some credits may not apply to policies in Cleveland. To view insurance companies who offer free Acura RDX insurance quotes in Ohio, click this link.
Local Cleveland insurance agencies
Many drivers would rather talk to an insurance agent and we recommend doing that Insurance agents are trained to spot inefficiencies and give you someone to call. The biggest benefit of comparing rate quotes online is that you can find cheap car insurance rates and still have a local agent. Buying insurance from neighborhood insurance agencies is definitely important in Cleveland.
By using this quick form, the coverage information is instantly submitted to insurance agents in Cleveland who will give competitive quotes to get your business. You won’t even need to find an agent on your own since rate quotes are delivered immediately to you. If you wish to compare rates from a specific insurance company, just find their quoting web page to submit a rate quote request.
If you are wanting to find a reliable agent, there are two different types of agents and how they work. Car insurance agents can either be independent agents or exclusive agents depending on their employer. Both can sell affordable car insurance policies, but it is a good idea to know the difference in the companies they write for since it can affect which agent you choose.
Independent Agents (or Brokers)
Independent insurance agents do not work for one specific company and that is an advantage because they can write policies with lots of companies and possibly get better coverage at lower prices. If prices rise, your policy is moved internally and you don’t have to switch agencies. When searching for an agent, you will definitely want to compare prices from several independent agencies for the best price selection. They also have the ability to place coverage with small mutual carriers that may have much lower rates than larger companies.
Below is a list of independent agencies in Cleveland that can give you competitive price quotes.
- A Better Insurance Services
20660 Aurora Rd – Cleveland, OH 44146 – (216) 475-6800 – View Map - Insurance Consultants Agency
23980 Chagrin Blvd – Cleveland, OH 44122 – (216) 766-6300 – View Map - Phil Pavarini Insurance Agent * InsureCLE.com
2012 W 25th St #501 – Cleveland, OH 44113 – (216) 374-4500 – View Map
Exclusive Car Insurance Agents
These agents can only place business with one company and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to place coverage with different providers so they really need to provide good service. They are very knowledgeable in insurance sales and that enables them to sell even at higher rates. Some people will only purchase coverage from exclusives partially due to the brand legacy rather than low price.
Listed below are Cleveland exclusive agents who can help you get rate quotes.
- State Farm: Stan Harris
12429 Cedar Road, Suite 26 – Cleveland Heights, OH 44106 – (216) 791-1006 – View Map - Allstate Insurance: Teresa C. Paez
15105 Puritas Ave – Cleveland, OH 44135 – (216) 362-6526 – View Map - Jinisha Patel – State Farm Insurance Agent
4342 Ridge Rd – Brooklyn, OH 44144 – (216) 741-6100 – View Map
Finding the right auto insurance agent should include more criteria than just the premium amount. A good agent in Cleveland will have answers to these questions.
- Do they have cheaper tiers of coverage?
- Do they see any coverage gaps in your plan?
- What company holds the largest book of business for them?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Does their agency support local causes in Cleveland?
- Do they have designations such as AIC, CPCU, or CIC?
If you receive answers to your satisfaction for all questions you ask as well as a price you’re happy with, you may have found a car insurance agent that is professional and can provide car insurance coverage. It’s important to know that consumers can cancel your coverage whenever you choose to so don’t feel you’re contractually obligated to your new company for the entire policy term.
What is the best auto insurance company in Cleveland?
Selecting a good quality insurance company can be difficult considering how many companies there are to choose from in Cleveland. The rank data displayed below could help you select which coverage providers you want to consider comparing prices from.
Top 10 Cleveland Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 92%
- Erie Insurance – 88%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- AAA Insurance – 87%
- Liberty Mutual – 87%
- Farmers Insurance – 87%
- The Hartford – 87%
Top 10 Cleveland Car Insurance Companies Overall
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
When in doubt talk to an agent
Keep in mind that when it comes to choosing insurance from an agent or online, there is no cookie cutter policy. Everyone’s situation is a little different and your auto insurance should unique, too.
For instance, these questions can help discover whether you may require specific advice.
- When would I need rental car insurance?
- Am I covered if I hit someone who is not insured?
- Does rental coverage apply when I am renting a car?
- What is the rate difference between pleasure use and commuting?
- Do I need an umbrella policy?
- Am I covered when delivering products for my home-based business?
- Does liability extend to a camper or trailer?
- If I use my vehicle for business use is it covered?
If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.
Quote more and you will save more
As you shop your coverage around, do not sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped full coverage to discover at claim time that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible at the best possible price while still protecting your assets.
Cheaper insurance in Cleveland is attainable from both online companies and from local agencies, so get free Cleveland car insurance quotes from both of them to have the best chance of lowering rates. A few companies may not have price quotes online and many times these regional carriers only sell through local independent agents.
Additional detailed information is available at these sites:
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Who Has Affordable Auto Insurance for a School Permit in Cleveland? (FAQ)
- What Car Insurance is Cheapest for a Dodge Ram in Cleveland? (FAQ)
- What Insurance is Cheapest for Nurses in Cleveland? (FAQ)
- What Car Insurance is Cheapest for a Hyundai Sonata in Cleveland? (FAQ)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Eight Auto Insurance Myths (Insurance Information Institute)
- Get the Right Protection (InsureUonline.org)
- Red Light Cameras (State Farm)