Everyone knows that car insurance companies don’t want you comparing rates. Insureds who compare rates annually are inclined to buy a new policy because they have a good chance of finding more affordable rates. A study showed that drivers who compared rates once a year saved over $70 a month compared to policyholders who never shopped around for better prices.
If finding the lowest price on Acura RLX insurance in Cleveland is the reason for your visit, learning how to quote prices and compare insurance coverage can make it simple to find affordable coverage.
If you want to find the absolute lowest rates, then the best way to find affordable Acura RLX insurance in Cleveland is to compare quotes annually from companies that sell auto insurance in Ohio. You can compare prices by following these guidelines.
Step 1: Get an understanding of how companies price auto insurance and the things you can change to lower rates. Many policy risk factors that cause high rates like distracted driving and your credit history can be remedied by improving your driving habits or financial responsibility. Keep reading for additional ideas to help prevent high rates and find additional discounts you may qualify for.
Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like GEICO or Allstate, while independent agents can provide rate quotes for a wide range of companies.
Step 3: Compare the price quotes to your current policy premium to see if switching to a new carrier will save money. If you can save money, ensure coverage does not lapse between policies.
One important bit of advice is to use the same coverage limits and deductibles on every price quote and and to compare every company you can. Doing this enables an accurate price comparison and and a good selection of different prices.
If you are paying for car insurance now, you stand a good chance to be able to get lower rates using these tips. Buying affordable auto insurance in Cleveland is actually very simple if you learn how to start. But Ohio consumers must learn how big insurance companies calculate your policy premium because rates are impacted by many factors.
When quoting auto insurance, remember that comparing more rates from different companies will enable you to find better pricing. Some insurance companies are not set up to provide rate quotes online, so you should also compare price quotes from the smaller companies as well.
The car insurance companies shown below can provide price quotes in Ohio. To locate cheap auto insurance in Ohio, it’s a good idea that you compare several of them to get a more complete price comparison.
Insurance discounts are available to cut your rates
Car insurance companies don’t list their entire list of discounts very well, so we break down a few of the more common as well as the least known savings tricks you should be using when you buy Cleveland car insurance online.
- Mature Driver Discount – If you’re over the age of 55, you can possibly qualify for a slight reduction on a Cleveland car insurance quote.
- Distant Student – Youth drivers who attend college more than 100 miles from Cleveland and don’t have a car may qualify for this discount.
- Bundled Policy Discount – If you insure your home and vehicles with one insurance company you may save at least 10 to 15 percent or more.
- Discounts for New Vehicles – Putting coverage on a new RLX may earn a small discount because newer models have to meet stringent safety requirements.
- One Accident Forgiven – This isn’t a discount exactly, but some companies like GEICO, State Farm, and Progressive allow you one accident before hitting you with a surcharge if your claims history is clear for a specific time period.
We need to note that most discounts do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like you can get free auto insurance, companies wouldn’t make money that way.
For a list of insurance companies with discount rates in Cleveland, follow this link.
What if I want to buy from local Cleveland insurance agents?
Certain consumers still like to get advice from a local agent. One of the great benefits of comparing rates online is that you can obtain cheaper prices but still work with a licensed agent.
Upon completion of this short form, your coverage information is submitted to agents in your area who can give free rate quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to search for an agent because quoted prices will be sent to the email address you provide. You can most likely find cheaper rates without the usual hassles of price shopping. If for some reason you want to compare rates from a specific insurance company, you would need to go to their quote page and give them your coverage information.
Finding the right insurance company requires more thought than just the quoted price. Here are some questions to ask:
- Do they have designations such as AIC, CPCU, or CIC?
- Do they write coverage based solely on cost?
- Which members of your family are coverage by the policy?
- How long has the business existed?
- What are their preferred companies if they are an independent agency?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Are there any discounts that you might be missing?
Choose an insurance agent wisely
If you need to find a local insurance agency, you must know there are a couple different types of agents and how they can write your policy. Insurance policy providers can be classified as either exclusive or independent.
Exclusive Insurance Agents
Agents in the exclusive channel can only place business with one company and some examples include State Farm or Allstate. They usually cannot provide prices from multiple companies so you might not find the best rates. Exclusive agencies are very knowledgeable on their products and sales techniques which aids in selling service over price.
Below is a short list of exclusive agencies in Cleveland who can help you get price quotes.
Allstate Insurance: Eslick Insurance and Financial Services
2775 S Moreland Blvd Ste 203 – Cleveland, OH 44120 – (216) 283-5570 – View Map
Independent Insurance Agents
Independent insurance agents are not limited to a single company so they can insure your vehicles with a variety of different insurance companies depending on which coverage is best. If prices rise, they simply move the coverage in-house which makes it simple for you. If you are trying to find cheaper rates, you will want to contact several independent agencies for maximum quote selection.
Shown below are independent agencies in Cleveland that can give you comparison quotes.
If you receive satisfactory answers to your questions as well as cheap RLX insurance quotes, you may have found an auto insurance agent that is reliable enough to insure your vehicles. It’s important to know that consumers can terminate coverage for any reason so don’t assume that you are obligated to any specific company for any length of time.
How do I know if I need professional advice?
When it comes to choosing coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.
Here are some questions about coverages that could help you determine whether you would benefit from an agent’s advice.
- I don’t drive much so do I pay less?
- Do I have coverage if my license is suspended?
- Is pleasure use cheaper than using my Acura RLX to commute?
- Does every company file a SR-22 automatically?
- When should I not file a claim?
- Is my ex-spouse still covered by my policy?
- Is business equipment covered while in my vehicle?
- When can my company non-renew my policy?
- Where can I find DUI or SR-22 insurance?
- What states are considered no-fault?
If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.
Smart Choices Result in Lower Insurance Prices
Lots of things are taken into consideration when premium rates are determined. Some are obvious such as traffic violations, but others are not quite as obvious like where you live or how financially stable you are. Part of the insurance buying process is learning the rating factors that come into play when calculating the rates you pay for insurance. When you understand what influences your rates, this allows you to make educated decisions that may result in big savings.
Eliminate unneeded extra policy coverages – There are a ton of add-on coverages that can waste your money but may not be useful. Things like vanishing deductibles, death and dismemberment, and term life insurance may be costing you every month. They may seem like a good idea when discussing your needs, but if they’re wasting money get rid of them and save.
Keep the miles off and save – The more you drive your Acura annually the more it will cost to insure it. Many insurance companies apply a rate based upon how the vehicle is primarily used. Cars and trucks left parked in the garage get more affordable rates than those that get driven frequently. Having an incorrect usage rating on your RLX can cost quite a bit. Verify your insurance declarations sheet states the correct driver usage, because improper ratings can cost you money.
Rates go up with performance – The performance level of the vehicle you need insurance for makes a significant difference in your car insurance bill. The lowest performance passenger cars usually are quite affordable to insure, but many other things help determine your insurance rates.
Deter theft and pay less – Choosing a vehicle with a theft deterrent system can earn a premium discount. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft.
Liability coverage limits on your policy – Liability coverage will protect you in the event that a jury decides you are liable for personal injury or accident damage. It will provide for a legal defense to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
What’s your car’s crash test rating? – Vehicles with high crash test scores can get you lower premiums. Safer cars reduce injuries and lower rates of occupant injuries means less claims paid which can mean better rates for you. If your Acura earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
Does insurance coverage cost less for gals? – Statistics have proven that females tend to be a little less risky than males. However, don’t assume that women are better drivers. Both genders are responsible for accidents in similar numbers, but guys cause more damage. Men also tend to get more serious tickets like DUI and reckless driving.
Acura RLX claim probability – Insurance companies take into consideration insurance loss statistics for every vehicle to help set a rate to offset losses. Vehicles that the statistics show to have a trend towards higher claim severity or frequency will cost more to insure. The data below shows the collected loss data for Acura RLX vehicles.
For each insurance policy coverage type, the claim amount for all vehicles, regardless of make, model or trim level, is considered to be 100. Numbers that are below 100 suggest a better than average loss history, while values that are 100 or greater indicate frequent claims or a tendency for claims to be larger.
|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
Protect your Acura vehicle and other assets
Even though it can be expensive, maintaining insurance is required for several reasons.
First, most states have compulsory liability insurance requirements which means you are required to buy a specific level of liability protection in order to license the vehicle. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a lien on your Acura RLX, more than likely the lender will stipulate that you have full coverage to ensure loan repayment if the vehicle is totaled. If the policy lapses, the bank may insure your Acura at a significantly higher premium and make you pay the higher price.
Third, insurance protects not only your car but also your financial assets. It will also provide coverage for hospital and medical expenses that are the result of an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your Acura gets damaged, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of carrying enough insurance definitely exceed the price paid, especially when you need to use it. Unknowingly, the average driver is wasting up to $800 each year so it’s recommended you shop around at least once a year to help ensure money is not being wasted.
What is the best car insurance company in Cleveland?
Insuring your vehicle with the top car insurance company can be difficult considering how many different companies sell coverage in Ohio. The company information listed below could help you analyze which car insurance providers to look at when comparing rates.
Top 10 Cleveland Car Insurance Companies by A.M. Best Rank
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Titan Insurance – A+
- Progressive – A+
- Erie Insurance – A+
- Mercury Insurance – A+
- The Hartford – A+
- Nationwide – A+
Top 10 Cleveland Car Insurance Companies Ranked by Claims Service
- Liberty Mutual
- AAA Insurance
- Safeco Insurance
- Mercury Insurance
Don’t give up on cheaper rates
You just learned quite a bit of information on how to compare Acura RLX insurance car insurance rates in Cleveland. The key thing to remember is the more companies you get premium rates for, the higher the chance of saving money. You may even find the lowest car insurance rates come from a small local company.
When shopping online for insurance, never skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.
Insureds change insurance companies for any number of reasons including questionable increases in premium, not issuing a premium refund, high prices and policy cancellation. It doesn’t matter why you want to switch finding a new insurance company is actually quite simple.
More detailed insurance information can be found in the articles below:
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Who Has the Cheapest Auto Insurance Rates After a Speeding Ticket in Cleveland? (FAQ)
- How Much are Car Insurance Rates for Handicapped Drivers in Cleveland? (FAQ)
- How to Avoid Staged Accidents (State Farm)
- Neck Injury FAQ (iihs.org)
- Understanding your Policy (NAIC.org)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)