Discount Acura RDX insuranceAre you drained from wondering where the money will come from to pay high car insurance rates every month? You are in the same boat as many other South Carolina consumers.

It's amazing but a large majority of drivers have been with the same company for over three years, and approximately 38% of consumers have never compared rates to find cheap insurance. Many drivers in South Carolina can save up to $700 each year by just comparing rate quotes, but most tend to underestimate how much money they would save if they switched to a more affordable policy.

Because you have many options when it comes to car insurance, it's nearly impossible to locate the most affordable insurer.

Choosing the best rates in Columbia is really not that difficult. If you already have coverage, you will surely be able to shop for the lowest rates using the ideas presented in this article. Nevertheless, South Carolina consumers do need to understand how companies calculate their prices because rates fluctuate considerably.

How to buy Acura RDX insurance in Columbia, SC

To get affordable Acura RDX insurance quotes, there a variety of ways to compare prices from car insurance companies in your area. The best method to find the lowest Acura RDX rates is to get quotes online.

Doing price comparisons online is so simple that it replaces the need to actually drive to insurance agencies in your area. The ability to buy insurance online makes this process obsolete unless your situation requires the professional assistance that can only be provided by a licensed insurance agent. Some companies do allow you to get the lowest quotes online and get advice from an agent in your area.

When comparing car insurance rates, know that comparing more rates from different companies increases the chance that you will find the best offered rates.

The companies in the list below are ready to provide quotes in Columbia, SC. If multiple companies are shown, we recommend you visit several of them in order to find the most competitive rates.

Acura RDX Insurance Rates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $226 $436 $328 $20 $98 $1,108 $92
RDX AWD $126 $232 $272 $16 $82 $728 $61
RDX Technology Package 2WD $276 $422 $380 $22 $114 $1,214 $101
RDX Technology Package AWD $158 $322 $328 $20 $98 $926 $77
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rate quotes do not factor in zip code location which can lower or raise rates substantially.

Auto insurance deductibles

One of the most common auto insurance questions is how high should the deductibles for physical damage be. The rates below can help illustrate the cost difference when you select higher and lower physical damage deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.

Acura RDX insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $294 $530 $290 $18 $86 $1,243 $104
RDX AWD $294 $530 $290 $18 $86 $1,243 $104
RDX Technology Package 2WD $332 $624 $290 $18 $86 $1,375 $115
RDX Technology Package AWD $332 $624 $290 $18 $86 $1,375 $115
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Acura RDX insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $162 $280 $290 $18 $86 $836 $70
RDX AWD $162 $280 $290 $18 $86 $836 $70
RDX Technology Package 2WD $184 $330 $290 $18 $86 $908 $76
RDX Technology Package AWD $184 $330 $290 $18 $86 $908 $76
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Prices do not factor in specific location information which can impact coverage rates noticeably.

Based on the figures above, using a $100 deductible will cost you roughly $37 more each month or $444 a year than choosing the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 24 months between claims, you would probably come out ahead if you elect the higher deductible.

Buying the right vehicle insurance in South Carolina is an important decision

Even though Columbia RDX insurance rates can get expensive, insuring your vehicle is required in South Carolina but also provides important benefits.

The benefits of insuring your car definitely exceed the price paid, especially for larger claims. The average driver in South Carolina is overpaying over $810 a year so smart consumers compare quotes at every policy renewal to help ensure money is not being wasted.

Don't overlook these nine Acura RDX insurance discounts

The cost of insuring your cars can be expensive, but there could be significant discounts that you may not know about. Most are applied when you get a quote, but some must be manually applied before being credited.Discount car insurance

As is typical with insurance, most discount credits are not given to the overall cost of the policy. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though you would think having all the discounts means you get insurance for free, companies don't profit that way.

Companies that may offer most of the discounts above include:

When comparing rates, check with every insurance company which discounts you may be entitled to. Some discounts listed above may not be offered everywhere.

Insurance agencies near you

Many people would prefer to go talk to an agent and that is just fine! A nice benefit of comparing rates online is that you can obtain lower rates and still have a local agent.

Upon completion of this simple form, your insurance data is transmitted to local insurance agents in Columbia who can give free rate quotes for your auto insurance coverage. You won't even need to leave your computer since rate quotes are delivered immediately to you. You can find lower rates without having to waste a lot of time. If you want to get a price quote for a specific company, you would need to visit that company's website and fill out their quote form.

Picking the best provider requires more thought than just a cheap price. You should also get answers to these questions.

Is an exclusive or independent auto insurance agent right for you?

If you are wanting to purchase auto insurance from a good Columbia insurance agent, you should know the types of agencies and how they can quote your rates. Insurance agencies in Columbia are considered either exclusive or independent agents depending on their company appointments.

Exclusive Agencies

Exclusive insurance agents write business for a single company and some examples include Allstate, State Farm and Farmers Insurance. These agents are not able to provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive agencies are usually well trained on their company's products which helps them sell on service rather than price.

Below is a list of exclusive agencies in Columbia willing to provide price quote information.

Bill Weathersbee - State Farm Insurance Agent
9440 Two Notch Rd - Columbia, SC 29223 - (803) 788-7981 - View Map

Allstate Insurance - Steven Price Agency
2759 Rosewood Dr - Columbia, SC 29205 - (803) 779-4060 - View Map

1230 Broad River Rd A - Columbia, SC 29210 - (803) 772-0137 - View Map

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Independent Auto Insurance Agencies

Independent agents do not sell for just one brand so as a result can place your coverage with many different companies and potentially find a lower price. To move your coverage to a new company, your policy is moved internally and the insured can keep the same agent.

If you are comparing rate quotes, it's a good idea to check rates from a couple of independent agencies to have the most options to choose from.

The following is a list of independent insurance agents in Columbia that can give you comparison quotes.

4001 Edmund Hwy - West Columbia, SC 29170 - (803) 755-0543 - View Map

10248 Two Notch Rd - Columbia, SC 29229 - (803) 736-6161 - View Map

1617 Broad River Rd - Columbia, SC 29210 - (803) 772-6688 - View Map

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When to get professional advice

Keep in mind that when it comes to choosing the best auto insurance coverage for your personal vehicles, there really is no one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs.Higher deductibles save money

Here are some questions about coverages that might help in determining whether or not you might need professional guidance.

If it's difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Information about specific coverages

Knowing the specifics of insurance can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive insurance - Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hitting a bird, hitting a deer, rock chips in glass and damage from a tornado or hurricane. The maximum payout you'll receive from a claim is the market value of your vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) - Your UM/UIM coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Acura RDX.

Since many South Carolina drivers carry very low liability coverage limits (25/50/25), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability car insurance - Liability coverage can cover damages or injuries you inflict on other people or property. This insurance protects YOU from claims by other people. Liability doesn't cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as funeral expenses, repair bills for other people's vehicles, bail bonds and legal defense fees. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford. South Carolina requires drivers to carry at least 25/50/25 but you should think about purchasing better liability coverage.

Collision coverage - This pays for damage to your RDX resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like damaging your car on a curb, crashing into a ditch and driving through your garage door. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible on your RDX in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for prosthetic devices, hospital visits and X-ray expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

One last thing about your coverage

When searching for low cost Columbia auto insurance quotes, it's a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where consumers will sacrifice physical damage coverage only to regret that the savings was not a smart move. The proper strategy is to find the BEST coverage for the lowest price while still protecting your assets.

We just showed you a lot of ways to save on Acura RDX insurance in Columbia. The key concept to understand is the more rate quotes you have, the better likelihood of getting the cheapest Acura RDX rate quotes. You may even be surprised to find that the lowest rates come from a small local company.

Budget-friendly insurance in Columbia can be purchased online and from local insurance agents, so you should compare both to get a complete price analysis. Some companies don't offer the ability to get quotes online and most of the time these small insurance companies only sell through local independent agents.

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