Acura Car Insurance Rates

FREE Car Insurance Comparison

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save!

Here's what you need to know...
  • Acura vehicles are made by the Honda Motor company
  • Acura vehicles can have high insurance rates because they represent a luxury vehicle division
  • Do your research to know how rates are determined for various Acura vehicles
  • Compare several companies before choosing an insurance provider for your Acura vehicle

Some Acura vehicles have higher capacity engines with rapid acceleration.

Sometimes the Acura is used as a performance or near-performance vehicle and participates in racing contests because of the model’s rapid acceleration and bigger engines.

Shopping for this brand of vehicle is an excellent example of a situation in which you ought to comparison-shop for insurance while shopping for a replacement or additional car.

The on-going costs of insurance affect your ability to afford the car just as much as the monthly cost of your payment, gas mileage, maintenance, or tires.

Use our FREE comparison tool above by entering your ZIP code and get started today!

How Acura Auto Insurance Rates are Determined

AdobeStock_46626963-1600x1600

Before discussing insurance costs, it may help to understand how insurance companies set their rates.

Rates vary from company to company depending upon the viewpoint of that company’s actuaries (accountants) toward the possibilities of financial loss.

Each insurance company has their own particular viewpoint about these depending upon financial decisions made by their corporation executives.

The formula for insurance ratings is filed with the particular insurance commissioner in the state in which they are writing insurance policies.

This protects you as the consumer because the insurance commissioner then analyzes the bottom lines and financial capabilities of the company to ensure that it is financially secure.

How These Rates Affect You as the Consumer

There are several types of insurance involved within an automobile insurance policy.

  • Liability insurance – your responsibility to other people if you cause an accident. This insurance is required by law in all states.
  • Property damage insurance – covers damage to your own property
  • Uninsured motorists coverageif an uninsured person should cause an accident and injury to you or your passengers
  • Towing and emergency service – an option in most insurance policies to help you out in the event that your car breaks down

Liability insurance premiums are based largely upon you and the possibilities of having an accident that may injure someone else.

Property damage coverage premiums, however, are based upon the cost of repair for your particular automobile. Some repairs require the acquisition of relatively rare parts, costing more to obtain.

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

Comparing Acura Car Insurance Rates by Vehicle

When purchasing a car, call your car insurance carrier and ask about the vehicle you’re planning to purchase. It’s likely that they will have different rates for different models! So for example, car insurance rates for an Acura TL could be significantly different than those for an Acura TSX.

Monthly prices for the following Acura models vary:

1. 2013 Acura RDX Base price of $34,520 – 3.5-liter V-6 Engine $250 Comp. & Collision deductible

  • Company 1 $ 90.96 Monthly
  • Company 2 $106.23 Monthly
  • Company 3 $107.80 Monthly
  • Company 4 $113.67 Monthly
  • Company 5 $153.30 Monthly

1. 2013 Acura MDX Base price of $42,290 – 3.7-liter V-6 Engine $250 Comp. & Collision deductible

  • Company 1 $ 89.30 Monthly
  • Company 2 $ 93.66 Monthly
  • Company 3 $106.23 Monthly
  • Company 4 $110.83 Monthly
  • Company 5 $126.11 Monthly

Notice that the RDX costs more to insure than the MDX, which has a higher base price. The RDX is a Sedan and is considered a performance vehicle, whereas the MDX qualifies for lower rates with the body choice of a station wagon or an SUV.

Why compare auto insurance premiums?

AdobeStock_92668115-1600x1600

Once you have added the premiums for one of the above vehicles, you find that the total of the insurance premiums reaches from $1,071.60 to $1,839.60 annually.

Most people carefully compare prices on such mundane things as dish soap, refrigerators, clothing, or copy paper. However, very few individuals cheerfully pay a large car insurance bill without similar consideration.

Comparison of insurance premiums is as much of a wise budgeting choice as comparing prices of other items.

What to Have Ready When Applying for a Car Insurance Quote

Below are the items you should have on hand when applying for a car insurance quote:

  • Driver’s full name(s), date of birth, and license number
  • Any moving violations sorted according to driver
  • Vehicle description (year, make, model, and VIN if available)
  • Limits of coverage that you desire – liability, property damage deductible (the amount you can pay if your car is damaged), uninsured motorists coverage, as well as towing and emergency repair

Try to go to a website that will allow you to obtain a quote from a number of car insurance companies.

If necessary, inform the service representatives that you are shopping for insurance costs on various vehicles as you search for another car. Then You will not have to explain why you are requesting quotes for so many different vehicles.

The car insurance industry has a pool of information on each insured individual that is shared among the companies. Often as you seek a quote, you will find that the quotation website is already familiar with the vehicles you currently own as well as drivers in your household.

The sharing of this information is meant to speed up the time it takes to obtain a quote and make it easier for you. The information is tied to your name, date of birth, and zip code.

Comparing Quotes for Acura Car Insurance the Smart Way

Regardless of what vehicle you drive, it’s always a wise decision to compare several auto insurance quotes before choosing one. The simplest way to do this is by using a comparison website.

Our FREE car insurance comparison tool located below will get you started. Just enter your ZIP code and begin the process!

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

[0-9]
[0-9]