If price shopping San Jose car insurance quotes online is new to you, by this point your are probably baffled due to the large selection of car insurance companies offering insurance in San Jose.
How to save on Acura RLX insurance in San Jose
The easiest way to get cheaper car insurance rates in San Jose is to do a yearly price comparison from providers who can sell car insurance in California.
Step 1: Take a few minutes and learn about how companies price auto insurance and the steps you can take to lower rates. Many things that result in higher rates such as multiple speeding tickets and a not-so-good credit score can be eliminated by making minor changes in your lifestyle. Read the full article for more ideas to prevent high prices and find overlooked discounts.
Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO and Allstate, while agents who are independent can quote rates from many different companies. Compare rates
Step 3: Compare the new quotes to your current policy to see if cheaper RLX coverage is available. If you find better rates, make sure coverage does not lapse between policies.
Step 4: Tell your current agent or company to cancel your current car insurance policy and submit a down payment along with a signed application to your new agent or company. Once the application is submitted, put the certificate verifying coverage in an easily accessible location.
The most important part of shopping around is to make sure you’re comparing the same deductibles and limits on each price quote and and to get prices from as many carriers as you can. Doing this provides a level playing field and the best price selection.
Smart shoppers know that auto insurance companies want to prevent you from shopping around. Insureds who shop around for cheaper rates will presumably buy a new policy because there is a good probability of finding better rates. A study showed that consumers who regularly shopped around saved about $3,500 over four years compared to drivers who don’t make a habit of comparing rates.
If saving money on car insurance is your ultimate goal, then learning about the best ways to shop for cheaper coverage can help simplify the process.
It’s smart to compare rates occasionally because car insurance prices are rarely the same from one policy term to another. Even if you got the best deal on Acura RLX insurance in San Jose at your last renewal you will most likely find a better rate quote today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the only way to reduce your cost while improving coverage.
Choosing the best rates in San Jose is much easier if you have a good place to start. Essentially anyone who shops for car insurance should be able to lower their premiums. But California vehicle owners benefit from understanding how the larger insurance companies compete online because it can help you find the best coverage.
Educated Choices Result in Lower Insurance Premiums
When buying car insurance it’s important to understand some of the things that help determine your premiums. When consumers understand what influences your rates, this helps enable you to make changes that could help you find big savings. Many factors are part of the equation when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but others are not quite as obvious like your continuous coverage or your commute time.
Get better rates if married – Having a spouse helps lower the price on your car insurance bill. Having a spouse may mean you are more responsible and statistics prove married drivers tend to have fewer serious accidents.
Policy add-ons may be wasting money – Insurance policies have a lot of add-on coverages that you can buy if you aren’t careful. Coverage for things like vanishing deductibles, towing, and extra life insurance coverage may not be needed and are just wasting money. These coverages may sound good when talking to your agent, but if you have no use for them remove them and pocket the money.
Big cities have higher rates – Being located in smaller towns and rural areas of the country can save you money when talking about car insurance. Less people living in that area means a lower chance of having an accident and a lower car theft rate. Urban drivers have congested traffic and more time behind the wheel. Spending more time driving means higher likelihood of an accident.
Too many insurance claims drive up prices – Companies in California provide most affordable rates to people who are claim-free. If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
Cars with good safety ratings lower car insurance rates – Cars with five star safety ratings tend to be cheaper to insure. The safest vehicles help reduce the chance of injuries in an accident and better occupant protection means lower claim amounts and thus lower rates.
High physical damage deductibles lower premiums – The deductibles you choose define how much you are willing to pay in the event of a claim. Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of some claims that would be covered could be collision with another vehicle, vandalism, and damage caused by road hazards. The more money you are required to pay out-of-pocket, the less your company will charge you for insurance.
How do annual miles impact rates? – Driving a lot of miles in a year the higher your rates will be. Many insurance companies apply a rate based upon how much you drive. Cars and trucks that do not get driven very much cost less to insure as compared to vehicles used primarily for driving to work. Incorrect rating for your RLX may be costing you higher rates. It’s a good idea to make sure your car insurance declarations sheet reflects the correct usage.
Never let your car insurance policy lapse – Having a lapse in insurance coverage is a sure-fire way to increase your renewal premiums. Not only will you pay more, getting caught without coverage may earn you a license revocation or jail time. Then you may be required to submit proof of financial responsibility or a SR-22 with the California motor vehicle department to get your license reinstated.
Acura RLX claim statistics – Companies study historical loss data when they calculate premium rates for each model. Vehicles that are shown to have a trend towards higher claims will cost more to insure. The information below illustrates the historical loss data for Acura RLX vehicles.
For each insurance policy coverage type, the claim probability for all vehicles, regardless of make, model or trim level, is considered to be 100. Numbers shown that are under 100 suggest a better than average loss history, while numbers above 100 indicate frequent 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: Insurance Institute for Highway Safety for 2013-2015 Model Years
How to shop Acura RLX insurance online
Just remember that comparing all the rates in your area gives you a better chance of getting a better price.
The following companies are our best choices to provide comparison quotes in San Jose, CA. If the list has multiple companies, we recommend you click on several of them to find the most competitive auto insurance rates.
Why you need insurance
Despite the high cost, buying insurance is a good idea for several reasons.
- Almost all states have minimum liability requirements which means you are required to buy a minimum amount of liability coverage if you drive a vehicle. 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 have a loan on your Acura, it’s most likely the lender will require that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the lender will be forced to insure your Acura at an extremely high rate and make you pay the higher premium.
- Insurance preserves both your Acura and your assets. It will also reimburse you for medical transport and hospital expenses that are the result of an accident. Liability coverage, the one required by state law, will also pay to defend you if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will cover the repair costs.
The benefits of carrying enough insurance definitely exceed the cost, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is wasting up to $855 a year so shop around at least once a year to ensure rates are inline.
Car insurance discounts are available to get cheap rates
Car insurance is not cheap nor is it fun to buy but you might be missing out on some discounts that could drop your premiums quite a bit. Some trigger automatically at the time of quoting, but a few need to be asked about before you get the savings.
- Active Military Service – Being deployed in the military may lower your premium rates slightly.
- Own a Home – Just being a homeowner may trigger a policy discount on car insurance because maintaining a house requires a higher level of personal finance.
- Discounts for Federal Employees – Federal government employees could provide a small rate reduction depending on your company.
- Safe Driver Discounts – Accident-free drivers can save up to 40% or more on their San Jose car insurance quote than drivers with accident claims.
- Theft Deterrent Discount – Cars, trucks, and SUVs with anti-theft systems help deter theft and earn discounts up to 10% off your San Jose car insurance quote.
As a footnote on discounts, many deductions do not apply to the entire cost. Most only reduce individual premiums such as comprehensive or collision. So even though you would think all those discounts means the company will pay you, that’s just not realistic.
Some of the larger companies that possibly offer these discounts include:
When quoting, ask each company how you can save money. Savings may not apply to policyholders in San Jose. To choose car insurance companies that offer some of these discounts in San Jose, follow this link.
Insurance agencies can give valuable advice
Certain consumers just prefer to have an agent’s advice and doing that can be a smart decision An additional benefit of price shopping on the web is that drivers can save money and get lower rates and still have an agent to talk to.
To find an agent, once you fill out this short form, the coverage information is instantly submitted to agents in your area who will return price quotes for your business. There is no need to find an agent because prices are sent straight to your inbox. You can get cheaper insurance rates without requiring a lot of work. If you wish to get a price quote from one company in particular, you would need to visit that company’s website and fill out the quote form the provide.
Selecting an company needs to be determined by more than just a cheap price. These are some valid questions you should ask.
- How much can you save by raising your physical damage deductibles?
- Is there a Errors and Omissions policy in force?
- Does their agency support local causes in San Jose?
- Can glass repairs be made at your home?
- Is auto insurance their primary focus in San Jose?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Which company do they place the most coverage with?
- Do they have 24-hour customer assistance?
Choose an insurance agent wisely
When looking for a local agent, you need to know there are two types of agencies and how they can service your needs differently. Insurance agents in San Jose are categorized either exclusive agents or independent agents.
Exclusive Insurance Agents
Agents in the exclusive channel can only place business with one company and examples are Allstate, Farmers Insurance or State Farm. They are unable to provide prices from multiple companies so always compare other rates. They are usually well trained on their products and sales techniques and that allows them to sell at a higher price point. Many people buy from exclusive agents partially due to high brand loyalty rather than having low rates.
The following is a short list of exclusive agents in San Jose that are able to give price quote information.
- Burch Boehner – State Farm Insurance Agent
201 E Taylor St #2 – San Jose, CA 95112 – (408) 287-8190 – View Map
- Joe Fiorentino – State Farm Insurance Agent
1153 Redmond Ave Ste C – San Jose, CA 95120 – (408) 927-7526 – View Map
- Gurmeet Gill – State Farm Insurance Agent
151 Bernal Rd #10 – San Jose, CA 95119 – (408) 224-3737 – View Map
Independent Insurance Agents
Agents that elect to be independent do not have single company limitations and that gives them the ability to insure with an assortment of companies and get the cheapest rates. To move your coverage to a new company, your agent can just switch to a different company which requires no work on your part. If you need cheaper insurance rates, you should always include price quotes from multiple independent agents to maximize your price options. Most also have access to companies you’ve never heard of who may have lower rates.
Listed below are San Jose independent insurance agencies who can help you get price quote information.
- HealthMarkets Insurance Agency
543 W Capitol Expy – San Jose, CA 95136 – (408) 441-7777 – View Map
- All Spectrum Insurance Brokers
4010 Moorpark Ave #117 – San Jose, CA 95117 – (408) 604-0092 – View Map
- Donald Browne Insurance Services
330 W Hedding St #207 – San Jose, CA 95110 – (408) 292-4329 – View Map
Upon receiving reasonable responses to all your questions and a low price estimate, you’ve probably found a car insurance agent that is a good match to insure your vehicles. Just remember once you purchase a policy you can cancel a policy at any point so don’t feel that you are permanently stuck with any specific agency for a certain time period.
How much can you save?
Some companies do not provide the ability to get a quote online and most of the time these small, regional companies only sell through independent agents. Low-cost Acura RLX insurance in San Jose can be bought on the web and from local agencies, so compare prices from both in order to have the best chance of saving money.
Throughout this article, we presented many ideas to save on Acura RLX insurance in San Jose. It’s most important to understand that the more quotes you get, the better your chances of lowering your premium rates. Consumers could even find that the best price on car insurance is with the smaller companies.
Drivers leave their current company for a variety of reasons including policy cancellation, being labeled a high risk driver, questionable increases in premium and delays in paying claims. It doesn’t matter why you want to switch choosing a new insurance company can be easier than you think.
Steps to buying affordable Acura RLX insurance in San Jose
The best way we recommend to get more affordable car insurance rates is to regularly compare price quotes from providers in San Jose.
First, it will benefit you to learn about individual coverages and the factors you can control to prevent expensive coverage. Many things that increase rates like speeding tickets, accidents and an unacceptable credit rating can be amended by being financially responsible and driving safely.
Second, request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from one company like Progressive or State Farm, while independent agencies can provide price quotes from multiple companies.
Third, compare the quotes to the premium of your current policy to determine if switching companies saves money. If you find a lower rate and decide to switch, make sure coverage does not lapse between policies.
A crucial key to this process is to compare identical deductibles and limits on each price quote and and to get quotes from as many carriers as you can. Doing this helps ensure a fair rate comparison and and a good selection of different prices.
Much more information about car insurance in California can be read on the following sites:
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Who Has Cheap San Jose Car Insurance Quotes for a Subaru Outback? (FAQ)
- Who Has Cheap Car Insurance for a Ford F-150 in San Jose? (FAQ)
- Who Has Cheap San Jose Auto Insurance Quotes for Uber Drivers? (FAQ)
- How Much are San Jose Car Insurance Rates for a 20 Year Old Male? (FAQ)
- How Much are Car Insurance Quotes for a 20 Year Old Female in San Jose? (FAQ)
- Who Has Affordable Auto Insurance for Homeowners in San Jose? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Chevrolet Silverado in San Jose? (FAQ)
- All About Airbag Safety (State Farm)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- Alcohol Impaired Driving FAQ (iihs.org)
- Winter Driving (Insurance Information Institute)