Unbelievably, over 70% of drivers kept their coverage with the same insurance company for a minimum of four years, and 38% of drivers have never quoted rates to find cheap coverage. Many drivers in California could save approximately $469 a year just by comparing rates, but they don’t know how much savings they would realize if they just switched companies.
If you want to save the most money, the best way to find more affordable Acura RLX insurance is to compare prices regularly from insurance carriers in Fresno.
Step 1: Try to understand coverages and the things you can control to prevent rate increases. Many factors that cause rate increases like inattentive driving and a less-than-favorable credit rating can be eliminated by making minor changes in your lifestyle.
Step 2: Compare rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like GEICO and Allstate, while agents who are independent can provide prices from multiple insurance companies.
Step 3: Compare the new quotes to your current policy and determine if there is any savings. If you find a lower rate quote and buy the policy, make sure coverage is continuous and does not lapse.
The most important part of shopping around is to try to compare similar deductibles and liability limits on every quote request and and to compare as many auto insurance providers as possible. Doing this enables an accurate price comparison and the most accurate and complete price analysis.
Shopping for the best insurance in Fresno is not as hard as you may think. Practically every vehicle owner who needs cheaper insurance will be able to find better rates. But California consumers can benefit from knowing how the larger insurance companies sell insurance online and use this information to your advantage.
Companies offering Acura RLX insurance in California
The companies shown below are our best choices to provide quotes in Fresno, CA. In order to find cheaper auto insurance in California, it’s highly recommended you click on several of them in order to find the cheapest rates.
Auto insurance policy discounts you can’t miss
Not many people think insurance is cheap, but companies offer discounts that many people don’t even know exist. Certain credits will be shown when you purchase, but a few need to be inquired about before being credited.
- Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save 5% or more.
- Waiver for an Accident – This one is not really a discount per se, but a few companies such as Allstate and State Farm will let one accident slide before hitting you with a surcharge if you are claim-free for a certain period of time.
- Drive Less and Save – Driving less can earn better rates on cars that stay parked.
- E-sign Discounts – Certain companies will discount your bill up to fifty bucks shop Fresno auto insurance on their website.
- Air Bags and Passive Restraints – Vehicles equipped with air bags can receive discounts up to 30%.
- No Claim Discounts – Insureds who avoid accidents and claims get the best auto insurance rates in comparison to policyholders that have many claims.
A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Most only cut specific coverage prices like collision or personal injury protection. So even though it sounds like you could get a free auto insurance policy, you aren’t that lucky.
The best auto insurance companies and some of the premium reductions they offer are shown below.
- State Farm may offer discounts for student away at school, accident-free, anti-theft, passive restraint, and multiple autos.
- Nationwide policyholders can earn discounts including business or organization, family plan, multi-policy, easy pay, and good student.
- GEICO includes discounts for membership and employees, defensive driver, federal employee, good student, anti-theft, five-year accident-free, and driver training.
- AAA may include discounts for good driver, anti-theft, good student, multi-policy, and multi-car.
- 21st Century offers discounts including air bags, homeowners, defensive driver, 55 and older, student driver, and teen driver.
- The Hartford offers premium reductions for anti-theft, air bag, driver training, good student, and defensive driver.
Double check with each insurance company which credits you are entitled to. Some credits may not be offered in Fresno. To find auto insurance companies with the best Acura RLX insurance discounts in Fresno, click here to view.
Get Acura RLX Insurance for Less
It’s important that you understand the different types of things that play a part in calculating your auto insurance rates. When consumers understand what controls the rates you pay, this helps enable you to make changes that could result in lower auto insurance prices. Many different elements are considered when you get your auto insurance bill. Some are pretty understandable such as your driving history, although others are not as apparent like where you live or how financially stable you are.
Shown below are some of the most common factors auto insurance companies consider when setting rates.
Vehicle options that lower auto insurance rates – Choosing a vehicle that has an advanced theft prevention system can earn a premium discount. Systems that thwart thieves like OnStar, LoJack tracking, and tamper alarms all hinder auto theft and help lower rates.
Liability insurance is critical – Your auto insurance policy’s liability coverage is the coverage that protects you in the event that you are found to be at fault for damages from an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. This coverage is relatively inexpensive as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
Adjust physical damage deductibles and save – Physical damage protection, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Examples of some claims that would be covered would be colliding with a building, flood damage, and having your car stolen. The deductibles state the amount of money you are required to spend out-of-pocket in the event of a claim. The more damage repair cost you choose to pay out-of-pocket, the less your company will charge you for insurance.
Pay more for higher performance vehicles – The performance of the vehicle you are trying to find cheaper insurance for makes a huge difference in your premium level. The lowest rates are generally reserved for small economy passenger models, but the cost you end up paying is determined by many additional factors.
Your address can impact price – Living in areas with lower population can be a good thing if you are looking for the lowest rates. Drivers in populated areas have much more traffic and higher rates of accident claims. Fewer people means less chance of accidents and also fewer theft and vandalism claims.
Mature drivers pay less – More experienced drivers are more responsible, tend to cause fewer accidents, and tend to be get fewer driving tickets. Beginning drivers tend to be inattentive behind the wheel so auto insurance rates are higher.
Acura RLX insurance loss probability – Insurance companies factor in historical loss data as a tool for profitable underwriting. Models that tend to have higher frequency or amount of claims will cost more for coverage. The table below outlines the loss history for Acura RLX vehicles.
For each policy coverage, the claim probability for all vehicles, as a total average, is represented as 100. Percentage values below 100 are indicative of better than average losses, while percentages above 100 point to more claims or statistically larger claims.
|Vehicle 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
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Auto insurance agents near you
Many drivers would prefer to talk to a local agent and often times that is recommended The best thing about comparing insurance prices online is the fact that drivers can get the best rates and also buy local. Buying from and supporting neighborhood agents is definitely important in Fresno.
Upon completion of this form (opens in new window), your coverage information is submitted to insurance agents in Fresno that provide free Fresno auto insurance quotes and help you find cheaper coverage. It’s much easier because you don’t need to leave your computer because quoted prices will be sent immediately to your email address. It’s the lowest rates and an insurance agent to talk to. If you want to get a rate quote from a particular provider, feel free to search and find their rate quote page and submit a quote form there.
If you are wanting to purchase insurance from a good Fresno insurance agent, it’s helpful to know the types of agencies and how they operate. Insurance agencies in Fresno can be classified as either independent agents or exclusive agents depending on their employer.
Independent Insurance Agents
These type of agents are not employed by one company and that gives them the ability to insure with any number of different companies depending on which coverage is best. If your agent finds better pricing, they can switch companies in-house which requires no work on your part.
If you are comparing rate quotes, it’s recommended you get several quotes from several independent agencies to ensure the widest selection of prices.
Below is a list of independent insurance agencies in Fresno who may provide price quote information.
Van Beurden Insurance Services, Inc.
7676 N Palm Ave #106 – Fresno, CA 93711 – (559) 436-6655 – View Map
Bulldog Insurance Agency
7975 N Cedar Ave – Fresno, CA 93720 – (559) 447-5000 – View Map
California A1 Stars Insurance Solutions
1589 W Shaw Ave #13 – Fresno, CA 93711 – (559) 412-2957 – View Map
Exclusive insurance agents can only write with one company and some examples include Farmers Insurance and State Farm. Exclusive agents cannot provide prices from multiple companies so always compare other rates. Exclusive agencies are usually well trained on sales techniques which helps them sell on service rather than price.
Below is a list of exclusive insurance agents in Fresno who can help you get rate quotes.
Allstate Insurance: Ron Meadows
1750 E Bullard Ave Ste 101 – Fresno, CA 93710 – (559) 432-0656 – View Map
Dick Wallace – State Farm Insurance Agent
4344 E Ashlan Ave – Fresno, CA 93726 – (559) 222-6501 – View Map
Allstate Insurance: David Frisby
1625 E Shaw Ave #148 – Fresno, CA 93710 – (559) 224-2100 – View Map
Finding the right car insurance agent shouldn’t rely on just the bottom line cost. Ask your prospective agent these questions:
- How much training do they have in personal risk management?
- If they are an independent agency in Fresno, which companies do they recommend?
- Can you contact them at any time?
- Do you need full coverage on every vehicle?
- What company do they have the most business with?
- Can glass claims be handled at your home?
After getting acceptable answers to any questions you have as well as an affordable premium quote, it’s a good possibility that you have found an insurance agent that is professional and can provide insurance coverage. But keep in mind you can always cancel a policy whenever you choose to so don’t feel you are locked into a specific agent for any length of time.
Quote. Compare. Save.
Lower-priced auto insurance in Fresno is available on the web and from local insurance agents, so you need to quote Fresno auto insurance with both to have the best chance of lowering rates. Some insurance companies do not provide online quoting and usually these smaller companies prefer to sell through independent agents.
You just learned some good ideas how to save on Acura RLX insurance in Fresno. The key thing to remember is the more times you quote, the better likelihood of getting inexpensive Fresno auto insurance quotes. You may even discover the lowest premium rates come from a small mutual company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.
More detailed auto insurance information is available in the articles below:
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- Prom Night Tips for Teen Drivers (State Farm)
- Auto Insurance FAQ (Farmers Insurance)