2017 Acura RDX Car Insurance Rates – 9 Tips for Cheaper Quotes

Looking for cheaper insurance coverage rates for your Acura RDX? Nobody I know enjoys paying for insurance coverage, particularly when the cost is too high.

You have multiple insurance companies to insure vehicles with, and even though it’s nice to have a selection, more choices can make it harder to find the best rates for your vehicles.

Lower rate quotes with these nine discounts

Insuring your fleet can be pricey, but there are discounts available to help offset the cost. A few discounts will be applied at the time of purchase, but once in a while a discount must be requested specifically before being credited.

  • Pay Early and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • Driver Education Discount – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
  • Distant Student Discount – Older children who are enrolled in higher education away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Anti-theft Discount – Vehicles with anti-theft systems have a lower chance of being stolen and will save you 10% or more.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts may qualify for discounts as much as 30%.
  • Driver Training Discounts – Successfully completing a course that instructs on driving safety can save you 5% or more and easily pay for the cost of the class.
  • Multi-policy Discount – If you have multiple policies and insure them with the same company you could earn a discount of at least 10% off all policies.
  • Paperwork-free – A few insurance companies will provide an incentive for buying your policy online.
  • Seat Belt Usage – Forcing all vehicle occupants to wear their seat belts could cut 10% or more off the personal injury premium cost.

Remember that some of the credits will not apply to the entire policy premium. Most only reduce specific coverage prices like comprehensive or collision. So when the math indicates you could get a free insurance policy, you aren’t that lucky.

A few of the larger companies and a summarized list of policyholder discounts include:

  • State Farm has savings for student away at school, accident-free, anti-theft, safe vehicle, good driver, and good student.
  • Farmers Insurance offers premium reductions for teen driver, youthful driver, switch companies, early shopping, and homeowner.
  • Progressive policyholders can earn discounts including multi-policy, online quote discount, homeowner, continuous coverage, and online signing.
  • Geico offers discounts for good student, five-year accident-free, membership and employees, anti-lock brakes, air bags, driver training, and multi-policy.
  • Auto-Owners Insurance has discounts for anti-lock brakes, company car, student away at school, good student, multiple vehicles, and paperless.
  • The Hartford may have discounts that include bundle, defensive driver, anti-theft, vehicle fuel type, air bag, driver training, and good student.
  • Farm Bureau includes discounts for driver training, youthful driver, multi-vehicle, safe driver, and 55 and retired.
  • USAA may include discounts for safe driver, multi-vehicle, good student, military installation, annual mileage, and family discount.

Double check with all companies you are considering which discounts can lower your rates. A few discounts might not be offered on policies everywhere. To see companies who offer discounts, click here to view.

Auto insurance can be complex

When buying proper insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether your personal situation would benefit from professional advice.

  • Am I covered if hit by an uninsured driver?
  • How do I insure my teen driver?
  • Will I lose any money if I cancel my policy before it expires?
  • Why do I need rental car insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Can I get a multi-policy discount?
  • Should I waive the damage coverage when renting a car?
  • Is a fancy paint job covered?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

Car insurance 101

Knowing the specifics of auto insurance helps when choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring. Listed below are typical coverages found on most auto insurance policies.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for immediate expenses for EMT expenses, funeral costs and prosthetic devices. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, a broken windshield, vandalism, theft and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages

This coverage protects you from damage or injury you incur to other’s property or people in an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like court costs, repair costs for stationary objects, medical expenses, legal defense fees and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

This covers damage to your RDX resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as scraping a guard rail, sustaining damage from a pot hole, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also bump up the deductible to save money on collision insurance.

Find Good Coverage for Less

As you prepare to switch companies, it’s not a good idea to reduce coverage to reduce premium. There are a lot of situations where an insured cut comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. Your objective should be to purchase a proper amount of coverage at the best possible price, but don’t skip important coverages to save money.

We covered many ways to lower your 2017 Acura RDX insurance rates. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. Consumers could even find that the best price on auto insurance is with a company that doesn’t do a lot of advertising. They may often insure only within specific states and give getter rates compared to the large companies like State Farm or Progressive.

Cheaper 2017 Acura RDX insurance can be purchased on the web as well as from independent agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance companies don’t offer internet price quotes and most of the time these smaller companies only sell through independent agencies.

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