Find Cheaper Acura RDX Insurance in Kansas City

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Acura RDX insurance
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Do you get exhausted from trying to scrape together enough money to make your car insurance payment? You are in the same boat as many other Missouri drivers.

Discount Acura RDX insuranceA recent study showed that about 70% of customers kept their policy with the same company for a minimum of four years, and nearly half have never even shopped around for cheaper coverage. U.S. insurance shoppers could save themselves about $850 a year by just comparing rate quotes, but they mistakenly think it's difficult to compare rate quotes online.

Many insurers vie for your hard-earned dollar, and it can be difficult to compare rates to find the lowest cost out there.

Compare Kansas City Acura RDX insurance rate quotes

To find more affordable prices, there are a couple of ways of comparing rates from all the different companies. The best method to find the lowest Acura RDX rates consists of obtaining rate quotes online.

It's so fast and easy to compare rates online that it replaces the need to call or drive to insurance agencies in your area. Comparing online rate quotes makes this process obsolete unless you're the type of person who wants the professional assistance of a local agency. It is possible with some companies comparison shop your insurance online and still use a local agent. When price shopping your coverage, quoting more gives you a better chance of getting a better price. Some regional insurers cannot provide online Kansas City RDX insurance quotes, so it's recommended that you also compare price quotes from them, too.

The following companies have been selected to offer price quotes in Missouri. If multiple companies are listed, we recommend you get rates from several of them to find the lowest auto insurance rates.

Auto insurance statistics and figures

The premium information shown next showcases detailed analysis of insurance premium costs for Acura RDX models. Having insight into how policy rates are figured can assist in making decisions when shopping your coverage around.

Acura RDX Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $190 $280 $296 $18 $88 $872 $73
RDX AWD $190 $280 $296 $18 $88 $872 $73
RDX Technology Package 2WD $216 $330 $296 $18 $88 $948 $79
RDX Technology Package AWD $216 $330 $296 $18 $88 $948 $79
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rate information does not factor in garaging location in Kansas City which can raise or lower prices greatly.

Comparison of policy deductibles

One of the more difficult decisions when buying auto insurance is how high should your deductibles be. The following tables summarize the cost difference when you select higher and lower deductibles. The first rate table uses a $250 deductible for comprehensive and collision coverage and the second set of rates uses a $500 deductible.

Acura RDX insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $206 $346 $226 $14 $68 $885 $74
RDX AWD $206 $346 $226 $14 $68 $885 $74
RDX Technology Package 2WD $232 $408 $226 $14 $68 $973 $81
RDX Technology Package AWD $232 $408 $226 $14 $68 $973 $81
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Acura RDX insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $168 $280 $226 $14 $68 $756 $63
RDX AWD $168 $280 $226 $14 $68 $756 $63
RDX Technology Package 2WD $188 $330 $226 $14 $68 $826 $69
RDX Technology Package AWD $188 $330 $226 $14 $68 $826 $69
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can revise insurance rates greatly.

We can estimate from the data above that using a $250 deductible could cost the average driver approximately $12 more each month or $144 a year averaged for all RDX models than selecting the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 21 months between claims, you would probably be better off if you elect the higher deductible. Here is how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $78
Average monthly premium for $500 deductibles (subtract): - $66
Monthly savings from raising deductible: $12
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One thing to note is that raising deductibles results in having to pay to pay more out-of-pocket when you file a claim. You must have enough money put aside in the event you need to pay the deductible for vehicle repair.

Rate difference between full and liability-only coverage

The diagram below illustrates the comparison of Acura RDX insurance costs when comparing full coverage to liability only. The premiums are based on no violations or claims, $250 deductibles, drivers are not married, and no other discounts are factored in.

When to drop full coverage

There is no clear-cut formula to stop paying for comp and collision coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is about 10% or more of the vehicle's replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let's pretend your Acura RDX claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $2,000 after paying the physical damage deductible. If you are paying more than $200 a year to have full coverage, then you might consider buying liability only.

There are a few cases where eliminating full coverage is not recommended. If you haven't satisfied your loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage in place.

Car insurance policy discounts for Acura RDX insurance in Kansas City

Auto insurance companies don't list every available discount very well, so we break down a few of the more common and the more hidden savings tricks you should be using when you buy Kansas City auto insurance online.Cheaper car insurance with discounts

  • Mature Driver Discount - Seniors may receive lower premium rates.
  • Federal Employees - Active or former government employment could qualify for a slight premium decrease depending on your car insurance provider.
  • New Car Discount - Buying a new car model can cost up to 25% less since new model year vehicles have better safety ratings.
  • Passive Restraints - Options like air bags and/or automatic seat belt systems can get savings as much as 30%.
  • Seat Belts Save - Forcing all vehicle occupants to wear their seat belts can save up to 15% off the personal injury premium cost.
  • First Accident Forgiveness - This isn't a discount exactly, but some companies like Progressive, State Farm and GEICO allow you one accident without the usual rate increase with the catch being you have to be claim-free prior to being involved in the accident.
  • Good Student - Excelling in school can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Good Driver Discount - Insureds who avoid accidents can pay as much as 50% less compared to accident prone drivers.
  • Student Discount for Driver Training - Make teen driver coverage more affordable by requiring them to successfully take a driver's education course in high school.

While discounts sound great, it's important to understand that many deductions do not apply to the entire cost. The majority will only reduce specific coverage prices like liability and collision coverage. So when it seems like all the discounts add up to a free policy, companies don't profit that way.

The information below visualizes the comparison of Acura RDX auto insurance costs with and without discounts being applied to the rates. The premiums are based on a male driver, a clean driving record, no at-fault accidents, Missouri state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, safe-driver, marriage, multi-car, and multi-policy discounts applied.

A list of car insurance companies and some of the premium reductions they offer can be found below.

  • Travelers includes discounts for continuous insurance, early quote, multi-policy, driver training, and hybrid/electric vehicle.
  • 21st Century may have discounts that include teen driver, automatic seat belts, theft prevention, anti-lock brakes, homeowners, student driver, and early bird.
  • State Farm policyholders can earn discounts including multiple policy, good student, driver's education, passive restraint, and multiple autos.
  • GEICO has savings for military active duty, membership and employees, seat belt use, multi-vehicle, and emergency military deployment.
  • SAFECO offers premium reductions for drive less, teen safety rewards, safe driver, bundle discounts, anti-lock brakes, and multi-car.
  • AAA may include discounts for AAA membership discount, multi-policy, good student, education and occupation, good driver, pay-in-full, and multi-car.

If you need lower rates, check with each company which discounts can lower your rates. A few discounts might not apply in every state. To find insurance companies offering car insurance discounts in Missouri, follow this link.

Choosing vehicle insurance is an important decision

Even though it can be expensive, insuring your vehicle is not optional due to several reasons.

  • Most states have minimum liability requirements which means you are required to carry a specific level of liability coverage in order to drive the car. In Missouri these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you bought your Acura with a loan, it's guaranteed your bank will require that you have insurance to guarantee loan repayment. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Acura at an extremely high rate and force you to reimburse them a much higher amount than you were paying before.
  • Insurance safeguards both your assets and your car. It will also pay for all forms of medical expenses for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses if you are sued as the result of your driving. If damage is caused by hail or an accident, your insurance policy will pay to have it repaired.

The benefits of having insurance greatly outweigh the cost, especially with large liability claims. But the average American driver overpays as much as $850 per year so it's very important to do a rate comparison every year to be sure current rates are still competitive.

Do I just need basic coverages?

When quoting and choosing coverage, there really is not a "best" method to buy coverage. Every insured's situation is different.Higher deductibles save money

For example, these questions can aid in determining whether or not you would benefit from an agent's advice.

  • Is my camper covered for physical damage?
  • Should I buy additional glass protection?
  • Do I pay less if my vehicle is kept in my garage?
  • What is the minimum liability in Missouri?
  • How much coverage applies to personal belongings?
  • Is a new car covered when I drive it off the dealer lot?
  • At what point should I drop full coverage?
  • Am I covered if I wreck a rental car?

If you can't answer these questions, you may need to chat with a licensed agent. If you don't have a local agent, take a second and complete this form.

When to get advice from a local insurance agent

Many drivers just want to go talk to an agent and doing so can bring peace of mind One of the great benefits of comparing rate quotes online is you may find better rates and still choose a local agent. Buying from and supporting local insurance agencies is important particularly in Kansas City.

Insurance agents in Kansas CityOnce you complete this simple form, your insurance data is emailed to participating agents in Kansas City that give free quotes for your coverage. You won't even need to do any legwork because prices are sent straight to your inbox. You'll get the best rates AND an agent nearby. If you need to quote rates from a specific car insurance provider, you just need to find their quoting web page and fill out the quote form the provide.

Below is a short list of auto insurance companies in Kansas City who can help you get rate quotes for Acura RDX insurance in Kansas City.

214 NE Barry Rd - Kansas City, MO 64155 - (816) 454-0400 - View Map

6505 N Prospect Ave #100 - Kansas City, MO 64119 - (816) 459-7779 - View Map

6510 N Oak Trafficway - Kansas City, MO 64118 - (816) 454-6555 - View Map

21 Linwood Blvd - Kansas City, MO 64111 - (816) 753-0777 - View Map

More Kansas City agents

Selecting a company is decision based upon more than just a cheap price quote. The answers to these questions are important, too.

  • Is every driver in your family covered?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Is the agent and/or agency licensed to do business in Missouri?
  • Do you work with a CSR or direct with the agent?
  • Do they feel the quoted coverages are adequate?

Once you have received good feedback to your questions as well as a price you're happy with, most likely you have located a company that is reliable enough to properly insure your vehicles.