Amazingly, most drivers have remained with the same car insurance company for at least four years, and 38% of drivers have never compared rates to find lower-cost insurance. Many consumers in Oakland could save themselves nearly $470 a year, but they just feel it’s too hard to do a rate comparison.
If you want to save the most money, the best way to get cheaper Acura RLX insurance is to begin comparing prices regularly from companies who sell auto insurance in Oakland.
- Get an understanding of how insurance companies determine prices and the things you can change to keep rates in check. Many rating factors that are responsible for high rates like traffic violations and your credit history can be eliminated by making small lifestyle or driving habit changes.
- Request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from one company like GEICO or Farmers Insurance, while independent agencies can give you price quotes for many different companies.
- Compare the new quotes to your existing coverage to see if cheaper RLX coverage is available in Oakland. If you find a better price and switch companies, ensure there is no coverage lapse between policies.
- Provide adequate notice to your current company of your decision to cancel your current policy. Submit a down payment along with a completed application to your new company or agent. Make sure you put the proof of insurance paperwork along with the vehicle’s registration papers.
One piece of advice is to try to compare the same liability limits and deductibles on each quote and and to get quotes from every insurance company. This enables a fair rate comparison and a complete selection of prices.
If you already have coverage, you will definitely be able to find the best rates using the concepts you’re about to learn. Comparing rates for the lowest-priced coverage in Oakland is easy to do. But California car owners do need to understand the methods companies use to set your policy premium and use it to find better rates.
Most major insurance companies like 21st Century, Allstate and State Farm allow you to get price estimates on their websites. This process is fairly simple as you just enter the coverage amounts you desire into the form. After the form is submitted, their quoting system sends out for credit information and your driving record and returns pricing information determined by many factors.
Being able to quote online for Acura RLX insurance in Oakland streamlines rate comparisons, and it’s necessary to get many rate quotes if you want to find cheap insurance pricing.
In order to find out if lower rates are available, consider comparing rates from the companies shown below. If you have coverage now, it’s recommended you copy the coverage information as shown on your current policy. This guarantees you are getting rate quotes for similar coverage.
The providers in the list below have been selected to offer price quotes in California. To buy cheap car insurance in California, we suggest you click on several of them to get the cheapest price.
How You Can Control Acura RLX Insurance Rates
Many things are used when you get your auto insurance bill. Some are pretty understandable such as your driving history, but some are more transparent such as your marital status or your commute time.
File insurance claims and pay more – If you tend to file frequent claims, you should expect much higher rates or policy non-renewal. Insurance companies in California give cheaper rates to drivers who are claim-free. Auto insurance is intended to be relied upon for the large, substantial claims.
Auto insurance lapses raise rates – Having a lapse in insurance coverage can be a fast way to pay more for auto insurance. And not only will your rates increase, being ticketed for driving with no insurance may result in a steep fine or even jail time. You may then have to provide proof of insurance in the form of an SR-22 filing with the California motor vehicle department to get your license reinstated.
Rates may be higher where you live – Being located in small towns and rural areas has it’s advantages when talking about auto insurance. Drivers who live in large cities tend to have much more traffic and more severe claims. Fewer drivers means fewer accidents and lower theft and vandalism rates.
Safer vehicles lower prices – Cars with high safety ratings tend to be cheaper to insure. These vehicles result in less severe injuries and lower rates of occupant injuries means lower claim amounts and lower rates for you.
Loss statistics for an Acura RLX – Auto insurance companies analyze the history of losses to determine a price that will be profitable for them. Models that tend to have higher claim frequency or loss amount will cost more to insure.
The table below illustrates the historical insurance loss data for Acura RLX vehicles. For each policy coverage type, the claim amount for all vehicles compiled together is set at 100. Percentage numbers below 100 suggest a positive loss record, while percentages above 100 indicate higher probability of having a loss or larger claims.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Acura RLX 4dr | 128 | 63 | 179 | 82 |
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Car insurance is not optional
Even though it’s not necessarily cheap to insure an Acura in Oakland, insurance is most likely required but also gives you several important benefits.
- Almost all states have minimum liability requirements which means the state requires specific limits of liability coverage in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you bought your Acura with a loan, most banks will require that you have physical damage coverage to guarantee payment of the loan. If the policy lapses, the bank or lender will purchase a policy for your Acura for a lot more money and require you to reimburse them for the expensive policy.
- Car insurance preserves not only your Acura RLX but also your assets. Insurance will pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay for a defense attorney if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, your car insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of buying car insurance definitely exceed the cost, especially when you need to use it. Despite what companies tell you, the average driver is wasting up to $810 a year so you should quote and compare rates once a year at a minimum to be sure current rates are still competitive.
Auto insurance company ratings
Insuring your vehicle with a good quality auto insurance company can be rather challenging considering how many different companies there are to choose from in California. The company ratings shown below can help you decide which auto insurers to look at comparing price quotes from.
Top 10 Oakland Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Top 10 Oakland Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive