Unbelievable but true according to a study the vast majority of consumers kept buying from the same company for at least the last four years, and nearly the majority have never quoted insurance rates at all. Jersey City consumers can save as much as $720 each year, but they don’t invest the time required to find affordable insurance rates.
If you want to find the absolute lowest rates, then the best way to find affordable Acura RDX insurance is to compare prices regularly from different companies who provide auto insurance in Jersey City.
- Get an understanding of how companies price auto insurance and the modifications you can make to prevent high rates. Many rating factors that increase rates such as getting speeding tickets and a bad credit score can be remedied by making small lifestyle or driving habit changes.
- Request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from one company like GEICO and Allstate, while independent agents can give you price quotes for many different companies. View insurance agents
- Compare the new rate quotes to the price on your current policy and see if you can save money. If you find a better price and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
One bit of advice is to use the same physical damage deductibles and liability limits on each price quote and and to get rates from as many companies as you can. Doing this enables a level playing field and and a good selection of different prices.
If you have a policy now or are looking for a new policy, you can learn to reduce premiums and still have adequate protection. Quoting and comparing cheaper protection in Jersey City is easy if you know what you’re doing. Drivers just have to understand the proper way to find the lowest price on the web.
Save a ton by earning discounts
Auto insurance is easily one of your largest bills, but there may be some discounts to cut the cost considerably. A few discounts will be applied at quote time, but some need to be asked about prior to receiving the credit.
- Discounts for Federal Employees – Federal government employees may reduce rates when you quote Jersey City auto insurance with a few auto insurance companies.
- Professional Organizations – Joining a civic or occupational organization in Jersey City can get you a small discount when shopping for auto insurance.
- Discount for Low Mileage – Maintaining low annual mileage could qualify for slightly better rates than normal.
- Theft Deterrent Discount – Cars, trucks, and SUVs that have factory anti-theft systems are less likely to be stolen and earn discounts up to 10% off your Jersey City auto insurance quote.
- Paperless Signup – Certain larger companies give back up to $50 for completing your application on their website.
Discounts save money, but please remember that most discount credits are not given to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. Even though the math looks like adding up those discounts means a free policy, it doesn’t quite work that way.
The chart below shows the difference between Acura RDX car insurance rates with and without discounts applied to the policy rates. The price estimates are based on a male driver, no accidents or driving violations, New Jersey 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 marriage, homeowner, safe-driver, multi-car, multi-policy, and claim-free discounts applied.
Companies and a partial list of their discounts are shown below.
- The Hartford offers premium reductions for vehicle fuel type, bundle, air bag, anti-theft, defensive driver, driver training, and good student.
- American Family offers discounts including accident-free, bundled insurance, good driver, multi-vehicle, mySafetyValet, good student, and TimeAway discount.
- Progressive has savings for good student, online signing, online quote discount, multi-vehicle, continuous coverage, homeowner, and multi-policy.
- Travelers may offer discounts for home ownership, driver training, payment discounts, hybrid/electric vehicle, and multi-car.
- Farmers Insurance has discounts for switch companies, alternative fuel, youthful driver, mature driver, and homeowner.
- USAA may have discounts that include defensive driver, safe driver, multi-vehicle, vehicle storage, and multi-policy.
- Liberty Mutual may include discounts for multi-policy, hybrid vehicle, good student, preferred payment discount, new vehicle discount, and teen driver discount.
When getting a coverage quote, ask each company or agent how you can save money. All car insurance discounts may not be offered in every state.
The quickest method to compare car insurance company rates for Acura RDX insurance in Jersey City takes advantage of the fact all the major auto insurance companies have advanced systems to give you rate quotes. To start a quote, the only thing you need to do is give them rating details such as if you went to college, how much coverage you want, an estimate of your credit level, and your occupation. That rating information is sent automatically to insurance carriers in your area and they return rate quotes with very little delay.
To start a quote now, click here and complete the quick form.
The companies shown below are ready to provide price quotes in New Jersey. In order to find cheap auto insurance in New Jersey, we recommend you visit two to three different companies to get the most competitive price.
Auto insurance analysis for an Acura RDX
The data table displayed next highlights estimates of insurance policy prices for Acura RDX models. Understanding how premiums are established can be valuable when making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RDX 2WD | $424 | $626 | $536 | $32 | $160 | $1,778 | $148 |
| RDX AWD | $424 | $626 | $536 | $32 | $160 | $1,778 | $148 |
| RDX Technology Package 2WD | $478 | $738 | $536 | $32 | $160 | $1,944 | $162 |
| RDX Technology Package AWD | $478 | $738 | $536 | $32 | $160 | $1,944 | $162 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rates do not factor in specific zip code location which can affect rates substantially.
Where to set your deductibles
One of the more difficult decisions when buying auto insurance is which deductible level should you buy. The tables below can help you visualize the differences in premium rates when you select higher and lower deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RDX 2WD | $372 | $626 | $408 | $24 | $122 | $1,577 | $131 |
| RDX AWD | $372 | $626 | $408 | $24 | $122 | $1,577 | $131 |
| RDX Technology Package 2WD | $420 | $738 | $408 | $24 | $122 | $1,737 | $145 |
| RDX Technology Package AWD | $420 | $738 | $408 | $24 | $122 | $1,737 | $145 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RDX 2WD | $302 | $504 | $408 | $24 | $122 | $1,360 | $113 |
| RDX AWD | $302 | $504 | $408 | $24 | $122 | $1,360 | $113 |
| RDX Technology Package 2WD | $340 | $594 | $408 | $24 | $122 | $1,488 | $124 |
| RDX Technology Package AWD | $340 | $594 | $408 | $24 | $122 | $1,488 | $124 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in specific location which can decrease or increase coverage rates noticeably.
Based on the above data, using a $250 deductible costs approximately $19 more each month or $228 for a full year across all Acura RDX models than quoting the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have at a minimum 13 months between claims, you would save more money going with the higher deductible.
How to determine if higher deductibles are a good idea
| Average monthly premium for $250 deductibles: | $138 |
| Average monthly premium for $500 deductibles (subtract): | – $119 |
| Monthly savings from raising deductible: | $19 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $19 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
The diagram below illustrates how your deductible choice and can change Acura RDX insurance rates for different age groups. The data assumes a single female driver, comp and collision included, and no additional discounts are factored in.
Drive responsibly or pay higher rates
The information below shows how speeding tickets and at-fault collisions can affect Acura RDX insurance premiums for different age groups. The premium estimates are based on a married male driver, comp and collision included, $250 deductibles, and no discounts are factored in.
Auto insurance prices based on gender
The chart below shows the comparison of Acura RDX insurance premiums for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, comp and collision included, $500 deductibles, marital status is single, and no discounts are applied to the premium.
Does it make sense to buy full coverage?
The information below illustrates the difference between Acura RDX annual premium costs with liability coverage only compared to full coverage. Data assumes a clean driving record, no at-fault accidents, $250 deductibles, single status, and no discounts are taken into consideration.
When to drop comprehensive and collision coverage
There is no specific rule for phasing out comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Acura RDX claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $4,000 after the deductible is paid. If you are paying in excess of $400 a year for physical damage coverage, then it might be time to buy liability only.
There are some scenarios where removing full coverage is not advised. If you still have a lienholder on your title, you have to keep full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should maintain full coverage.
You may need specialized auto insurance coverage
Keep in mind that when it comes to choosing a policy, there really is no best way to insure your cars. Everyone’s needs are different and your policy should reflect that.
For example, these questions may help highlight if your situation may require specific advice.
- At what point should I drop full coverage?
- What is the minimum liability in New Jersey?
- Should I buy additional glass protection?
- Are my custom wheels covered?
- Which companies will insure high-risk drivers?
- Do I really need UM/UIM coverage?
If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.
Compare rate quotes but still have a local Jersey City insurance agency
Some people would rather talk to an insurance agent. Licensed agents can point out coverage gaps and help submit paperwork. One of the best bonuses of comparing rates online is that you can obtain lower prices and still choose a local agent.
After filling out this short form, the coverage information is immediately sent to agents in your area who can give free rate quotes for your car insurance coverage. You never need to contact any agents due to the fact that quote results will go to you directly. If you need to compare rates from a particular provider, you would need to go to their quote page and submit a quote form there.
Choosing an insurance company requires more thought than just a cheap price quote. Any agent in Jersey City should be forthright in answering these questions:
- Is assistance available after office hours?
- Will your rates increase after a single accident?
- Will you work with the agent or an assistant?
- How long has the business existed?
- Is insurance their full-time profession?
- Is the agent and/or agency licensed to do business in New Jersey?
Pick the best car insurance agent in Jersey City for you
If you want to buy car insurance from a reputable insurance agent or broker, it’s important to understand the different types of agents and how they are distinctly different. Agents in Jersey City can be categorized as either independent (non-exclusive) or exclusive. Either type can properly insure your vehicles, but it’s important to know the differences since it could factor into buying decisions.
Exclusive Car Insurance Agencies
Agents that elect to be exclusive normally can only provide a single company’s rates and some examples include AAA, Allstate, and State Farm. They are unable to provide other company’s prices so you might not find the best rates. Exclusive agents receive a lot of sales training on their company’s products which can be an advantage. Consumers sometimes purchase coverage from exclusives mainly due to the prominent brand name rather than low price.
Shown below is a short list of exclusive insurance agencies in Jersey City that are able to give rate quotes.
- Mansa Nicome – State Farm Insurance Agent
86 NJ-35 – Neptune City, NJ 07753 – (732) 776-9999 – View Map - State Farm Insurance – Freddy Duran
1025 Summit Ave – Jersey City, NJ 07307 – (201) 604-3874 – View Map - Alberto Santana – State Farm Insurance Agent
1755 John F. Kennedy Blvd – Jersey City, NJ 07305 – (201) 332-3344 – View Map
Independent Insurance Agents
Independent agents do not have single company limitations so they can insure your vehicles through many companies depending on which coverage is best. If they find a lower price, an independent agent can move your coverage and that require little work on your part. If you need cheaper car insurance rates, it’s a good idea to get quotes from several independent agencies to maximize your price options. Most independent agents also contract with companies you’ve never heard of which can save you money.
The following are Jersey City independent agencies willing to provide price quote information.
- Preferred Choice Insurance Agency
225 Newark Ave – Jersey City, NJ 07302 – (201) 616-7644 – View Map - Royale Insurance Agency
2184 John F. Kennedy Blvd – Jersey City, NJ 07305 – (201) 656-1800 – View Map - AMC Insurance Inc
958 Summit Ave – Jersey City, NJ 07307 – (201) 656-1200 – View Map
Don’t give up on affordable rates
In this article, we presented a lot of information how to get a better price on Acura RDX insurance in Jersey City. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Drivers may even discover the lowest priced auto insurance comes from a small mutual company. Regional companies often have lower car insurance rates on specific markets than their larger competitors like State Farm or Progressive.
As you go through the steps to switch your coverage, never reduce coverage to reduce premium. In many cases, consumers will sacrifice comprehensive coverage or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible at the lowest possible cost and still be able to protect your assets.
Cost effective Acura RDX insurance is definitely available on the web in addition to local insurance agencies, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers may not have internet price quotes and most of the time these smaller companies work with independent insurance agencies.
For more information, take a look at these articles:
- Side Impact Crash Tests (iihs.org)
- What Insurance is Cheapest for Good Students in Jersey City? (FAQ)
- What Car Insurance is Cheapest for a Ford Edge in Jersey City? (FAQ)
- Who Has Cheap Auto Insurance for Low Credit Scores in Jersey City? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a 20 Year Old Male in Jersey City? (FAQ)
- Auto Insurance FAQ (Farmers Insurance)
- Rental Reimbursement Coverage (Allstate)