It’s shocking but a large majority of consumers renewed their policy with the same company for at least the last four years, and nearly half have never compared rates with other companies. Fort Wayne drivers could cut their rates by up to 55% a year, but they don’t believe the actual amount they would save if they switch to a new company.
The best way to find low-cost Acura RLX insurance is to make a habit of regularly comparing prices from providers who can sell car insurance in Fort Wayne.
- Step 1: Read about auto insurance and the steps you can take to keep rates low. Many risk factors that drive up the price such as traffic violations, accidents, and an imperfect credit rating can be improved by making lifestyle changes or driving safer.
- Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive or State Farm, while independent agents can give you price quotes for a wide range of companies. Select a company
- Step 3: Compare the new rate quotes to your current policy to determine if you can save on RLX insurance in Fort Wayne. If you find a lower rate and buy the policy, ensure coverage does not lapse between policies.
- Step 4: Give notification to your agent or company of your decision to cancel your current coverage and submit a completed application and payment to the new company. When you receive it, safely store the certificate verifying coverage in your vehicle.
One important bit of advice is to try to compare similar coverage information on every price quote and to quote with as many companies as feasibly possible. Doing this ensures an apples-to-apples comparison and plenty of rates choose from.
Just keep in mind that quoting more will increase your chances of finding lower pricing.
The companies in the list below offer free quotes in Indiana. To locate the cheapest auto insurance in Indiana, we recommend you get price quotes from several of them to get the most affordable price.
Here’s why car insurance is not optional
Despite the fact that car insurance is not cheap in Fort Wayne, maintaining insurance is not optional due to several reasons.
- Most states have mandatory liability insurance requirements which means the state requires specific limits of liability protection if you don’t want to risk a ticket. 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.
- If your RLX has a lienholder, almost all lenders will require you to buy full coverage to protect their interest in the vehicle. If you let the policy lapse, the lender may insure your Acura at a more expensive rate and require you to reimburse them for it.
- Car insurance protects both your vehicle and your assets. It also can pay for all forms of medical expenses incurred in an accident. Liability coverage, the one required by state law, will also pay attorney fees if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of carrying enough insurance more than cancel out the cost, particularly for liability claims. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $820 a year so smart consumers compare quotes at least once a year to save money.
Six factors that impact insurance costs
Many different elements are part of the calculation when quoting car insurance. A few of the factors are predictable such as your driving record, although some other factors are more transparent such as your credit history and annual miles driven.
Filing auto insurance claims can increase rates – If you file a lot of claims you shouldn’t be surprised to get higher premiums or even policy non-renewal. Car insurance companies in Indiana generally give discounts to insureds who are claim-free. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
Get married and pay less – Your spouse may save some money on your policy. Marriage is viewed as being more responsible and insurance companies reward insureds because married drivers tend to file fewer claims.
How many coverages with the same company – Some auto insurance companies will give a discount to people that buy multiple policies. It’s known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to check prices from other companies to help ensure you have the lowest rates.
Bad credit hurts insurance premiums – Having a bad credit rating factor in calculating your premium rate. Drivers with excellent credit tend to be more responsible and file fewer claims than those with lower ratings. If your credit score can use some improvement, you could save money insuring your Acura RLX if you clean up your credit.
Car insurance liability protection limits – The liability coverage on your policy provides coverage when you are responsible for causing personal injury or damage in an accident. Your policy’s liability insurance provides legal defense up to the limits shown on your policy. Liability is cheap compared to other policy coverages, so insureds should have plenty of protection for their assets.
Your gender affects prices – Over the last 30 years, statistics show that females take fewer risks when driving. It does not mean women are BETTER drivers than men. Men and women get in fender benders in similar percentages, but the male of the species tend to have higher claims. Men also get higher numbers of serious violations like DUI and reckless driving. Young males tend to get in the most accidents so they pay the highest premiums.
Insurance loss statistics an Acura RLX – Insurers use data from past claims when they file their rates in each state. Models that statistically have increased losses will have increased rates.
The next table illustrates the historical insurance loss data for Acura RLX vehicles. For each policy coverage, the loss probability for all vehicles combined as an average is set at 100. Values that are 100 or less are indicative of better than average losses, while values over 100 point to more losses or 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
Statistics from IIHS.org for 2013-2015 Model Years
How to find a good Fort Wayne auto insurance company
Ending up with the best auto insurance provider is hard considering how many companies sell insurance in Indiana. The company information displayed below could help you decide which insurers you want to consider when comparing rate quotes.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Cheap car insurance rates are possible
People who switch companies do it for a number of reasons such as policy cancellation, an unsatisfactory settlement offer, policy non-renewal or high prices. Regardless of your reason, choosing a new insurance company can be easy and end up saving you some money.
As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. Too many times, an accident victim reduced collision coverage and discovered at claim time that it was a big error on their part. Your goal is to buy the best coverage you can find at the best cost.
A few companies may not offer price quotes online and most of the time these smaller companies provide coverage only through independent insurance agencies. Cheaper Acura RLX insurance in Fort Wayne is available from both online companies in addition to local insurance agencies, so you need to compare both to get a complete price analysis.
Additional information can be found below:
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- What Car Insurance is Cheapest for Teenagers in Fort Wayne? (FAQ)
- Who Has Cheap Auto Insurance Quotes for College Graduates in Fort Wayne? (FAQ)
- Who Has the Cheapest Fort Wayne Car Insurance for a Honda Civic? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Nissan Rogue in Fort Wayne? (FAQ)
- Who Has Cheap Auto Insurance for Electric Cars in Fort Wayne? (FAQ)
- Help Your Teen Be a Better Driver (State Farm)
- All About Airbag Safety (State Farm)