Insurance rates Acura RDX in IndianapolisWould you prefer to buy low-cost Acura RDX insurance in Indianapolis? Are you drained from robbing Peter to pay Paul each month for insurance? You have the same problem as the majority of other consumers in Indiana.

Unthinkable but true, the vast majority of consumers in Indiana kept buying from the same company for four years or more, and practically 40% of insurance customers have never compared rates to find lower-cost insurance. With the average insurance premium being $1,847, American drivers could save roughly $860 each year just by shopping around, but they don't want to spend time to find lower-cost rates by getting comparison quotes.

Many insurers vie for your business, and it can be difficult to compare rates to get the lowest cost out there.

You need to get comparison quotes quite often because rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best premium rates on Acura RDX insurance in Indianapolis a few years ago you can probably find a better price now. Block out anything you think you know about insurance because you're going to get a crash course in one of the quickest ways to find better rates and still maintain coverage.

First Step: Get free Acura RDX insurance quotes

To find the best insurance rates, there are several ways of comparing price quotes from all the different companies. The easiest way to comparison shop is to jump online and get quotes.

Comparing free rates online is easy and it, takes the place of having to actually drive to insurance agents' offices. Quoting and buying Acura RDX insurance online reduces the need to sit down with an agent unless you want the peace of mind only provided by licensed Indianapolis agents. It is possible with some companies price shop your coverage online but have a local agent actually write the policy.

Just keep in mind that more quotes will increase your chances of finding a better price.

The providers in the list below offer quotes in Indianapolis, IN. If several companies are displayed, we recommend you click on several of them to get a more complete price comparison.

Acura RDX Insurance Rates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $212 $420 $288 $18 $86 $1,024 $85
RDX AWD $152 $288 $250 $14 $76 $780 $65
RDX Technology Package 2WD $210 $422 $270 $16 $80 $998 $83
RDX Technology Package AWD $146 $306 $310 $18 $92 $872 $73
Get Your Own Custom Quote Go

Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Price estimates do not factor in your specific Indianapolis location which can revise price quotes considerably.

Comparison of car insurance rates by gender and age

The information below shows the comparison of Acura RDX auto insurance rates for male and female drivers. The rates are based on no driving violations, no at-fault accidents, comp and collision included, $250 deductibles, single marital status, and no other discounts are factored in.

Take advantage of these seven discounts

Some companies do not advertise all their discounts in an easy-to-find place, so below is a list some of the best known and also the more inconspicuous car insurance savings.Save money with discounts

While discounts sound great, it's important to understand that most discount credits are not given to all coverage premiums. Most cut individual premiums such as liability and collision coverage. Even though the math looks like you could get a free car insurance policy, that's just not realistic.

Larger car insurance companies and some of the premium reductions they offer are:

If you need lower rates, check with each insurance company which discounts you qualify for. Savings may not apply in your area. For a list of providers who offer car insurance discounts in Indianapolis, follow this link.

Three main reasons to buy car insurance

Despite the high insurance cost for a Acura RDX in Indianapolis, car insurance may be mandatory for several reasons.

First, the majority of states have compulsory liability insurance requirements which means state laws require a minimum amount of liability insurance coverage if you want to drive legally. In Indiana 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.

Second, if you have a lien on your car, it's most likely the lender will have a requirement that you have full coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the lender will be forced to insure your Acura at a more expensive rate and force you to pay the higher premium.

Third, car insurance preserves both your car and your personal assets. It will also reimburse you for hospital and medical expenses for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also covers legal expenses if anyone sues you for causing an accident. If you have damage to your Acura as the result of the weather or an accident, comprehensive and collision coverage will pay to repair the damage.

The benefits of having insurance are definitely more than the cost, particularly when you have a large claim. Unknowingly, the average driver is overpaying more than $820 a year so you should quote and compare rates each time the policy renews to make sure the price is not too high.

When in doubt talk to an agent

When buying the best auto insurance coverage for your vehicles, there is no perfect coverage plan. Your situation is unique and your auto insurance should be unique as well.Safe vehicles cost less to insure For example, these questions might help in determining if your insurance needs might need professional guidance.

If you don't know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Local Indianapolis insurance agencies

A lot of people prefer to go talk to an agent and that is not a bad decision A good thing about price shopping on the web is that you can obtain lower premium rates but also keep your business local.

Indianapolis insurance agentsAfter completing this quick form, your information is immediately sent to insurance agents in Indianapolis who will return price quotes to get your business. It makes it easy because there is no need to leave your computer since rate quotes are delivered straight to your inbox. You'll get the best rates and work with a local agent. If you need to get a comparison quote for a specific company, don't hesitate to go to their quote page and complete a quote there.

Finding the right insurer requires you to look at more than just the quoted price. The questions below may impact your decision as well.

What type of Indianapolis car insurance agent is right for you?

If you need to find a reputable insurance agent or broker, it helps to know the two types of insurance agents that you can choose from. Agents in Indianapolis are categorized either exclusive or independent (non-exclusive).

Exclusive Insurance Agencies

Exclusive agents normally can only provide a single company's rates like Allstate, Farmers Insurance or State Farm. These agents are not able to compare rates from other companies so if the price isn't competitive there isn't much they can do. Exclusive insurance agents are well trained on their company's products which helps overcome the inability to quote other rates.

The following is a list of exclusive insurance agents in Indianapolis that can give you price quote information.


4770 S Emerson Ave #J, Indianapolis 46203 - 4770 S Emerson Ave #J, IN 46203 - (317) 782-8858 - View Map


4875 W 56th St g - Indianapolis, IN 46254 - (317) 803-2241 - View Map


7423 E 82nd St - Indianapolis, IN 46256 - (317) 849-4119 - View Map

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Independent Agencies or Brokers

Agents in the independent channel are not limited to a single company so they have the ability to put coverage with many different companies and find the cheapest insurance rates. If prices rise, they can switch companies in-house which makes it simple for you.

When shopping rates, you will want to include rate quotes from several independent agencies to have the best price comparison.

Below is a short list of independent agents in Indianapolis who can help you get price quote information.


4030 S Emerson Ave E - Indianapolis, IN 46203 - (317) 787-4995 - View Map


8604 Allisonville Rd #210 - Indianapolis, IN 46250 - (317) 841-6004 - View Map


360 Gradle Dr - Carmel, IN 46032 - (317) 848-4400 - View Map

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Detailed coverages of your auto insurance policy

Understanding the coverages of your auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. These are the normal coverages found on the average auto insurance policy.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle's damage.

Because many people only purchase the least amount of liability that is required (Indiana limits are 25/50/10), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like X-ray expenses, pain medications and chiropractic care. They can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability car insurance

This can cover damages or injuries you inflict on people or other property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/10 which means $25,000 in coverage for each person's injuries, $50,000 for the entire accident, and $10,000 of coverage for damaged property.

Liability coverage pays for claims like loss of income, medical expenses, court costs, repair bills for other people's vehicles and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford. Indiana state law requires minimum liability limits of 25/50/10 but it's recommended drivers buy higher limits.

Comprehensive auto insurance

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hitting a bird, hitting a deer, theft and damage from flooding. The highest amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Collision coverage

This pays for damage to your RDX resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with another moving vehicle, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also increase the deductible on your RDX to bring the cost down.