Lower Your 2010 Acura RDX Car Insurance Rates

Want cheaper car insurance rates for your Acura RDX? If you’re new to shopping for car insurance online, you may be confused by the hoards of online companies competing for business.

Consumers need to compare prices yearly due to the fact that insurance rates are adjusted regularly by insurance companies. Just because you had the lowest price on RDX insurance last year you may be paying too much now. So just forget all the misinformation about car insurance because we’re going to show you the things you must know in order to save on car insurance.

The purpose of this article is to tell you the best way to quote coverages and some tricks to saving. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. But car owners can benefit by having an understanding of how big insurance companies sell insurance online and apply this information to your search.

The easiest way to compare car insurance company rates is to know the trick auto insurance companies participate in a system to provide you with free rate quotes. To start a quote, the only thing you need to do is provide information such as your education level, coverage limits, if the vehicle is leased, and if a SR-22 is required. That rating data is automatically sent to multiple different insurance companies and they return quotes very quickly.

Do you qualify for a discount?

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not even be aware of. Some trigger automatically at the time you complete a quote, but a few must be inquired about in order for you to get them.

Own a Home – Owning a house can save you money because owning a home requires personal responsibility.
Clubs and Organizations – Belonging to certain professional organizations is a good way to get lower rates when shopping for car insurance on RDX insurance.
Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.
Military Rewards – Being deployed with a military unit can result in better rates.
Driver Safety – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
Distant Student – Children who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
Discount for New Cars – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
Paperless Signup – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up online.
Drive Less and Save – Keeping the miles down on your Acura could be rewarded with a substantially lower rate.
Bundle and Save – If you insure your home and vehicles with the same company you may earn approximately 10% to 15%.

Consumers should know that many deductions do not apply to the entire cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think all the discounts add up to a free policy, companies don’t profit that way. Any qualifying discounts will help reduce your premiums.

Companies that may have these benefits include:

Double check with each company how you can save money. Some discounts may not apply everywhere.

What coverages do I need?

When it comes to choosing adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover whether your personal situation may require specific advice.

Does liability extend to a camper or trailer?
What can I do if my company won’t pay a claim?
Are rental cars covered under my policy?
Does my insurance cover damage caused when ticketed for reckless driving?
I have good health insurance, so how much medical payments coverage do I need?
How do I file an SR-22 for a DUI in my state?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form.

Car insurance coverages explained

Understanding the coverages of a car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a parking meter, crashing into a building, colliding with another moving vehicle, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability coverages

Liability coverage will cover damage that occurs to other people or property. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like repair costs for stationary objects, structural damage, pain and suffering, attorney fees and legal defense fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills for ambulance fees, doctor visits and dental work. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, damage from a tornado or hurricane, fire damage and rock chips in glass. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.