Lower Your 2018 Acura RDX Insurance Rates

Looking for cheaper auto insurance rates for your Acura RDX? If you are new to getting car insurance quotes online, you may be overwhelmed by the vast number of online auto insurance companies and websites that all promise to save you money.

Locating cheaper protection is quite easy. Essentially everyone who is shopping for auto insurance will more than likely be able to lower their premiums. Although consumers must comprehend the methods companies use to sell insurance online and apply this information to your search.

Which insurance coverage is cheapest?

When comparison shopping, there are several ways to compare rate quotes from many insurance coverage companies in your state. One of the best ways to find the lowest Acura RDX rates is to jump online and get quotes. This is very easy and can be done by using one of the methods below.

  1. The first (and easiest) way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This form prevents you from having to do a different quote for every prospective company. In just a few minutes this one form will return quotes from all major companies.It’s the quickest way to get rates.
  2. A less efficient way to get quotes online is to take the time to go to the website for each individual company and fill out a new quote form. For instance, let’s say you want to compare Farmers, Allstate and GMAC. To get each rate you have to spend time going to each site individually and type in your information over and over, and that’s why the first method is more popular. To view a list of companies in your area, click here.

Take whichever approach you prefer, but try to use apples-to-apples quote information for every quote you compare. If you enter differing limits it’s impossible to make an equal comparison. Just slight variations in insurance coverages or limits could throw off the whole comparison. And when price shopping your coverage, quoting more helps improve the odds of finding the best price. Not every company provides price estimates online, so you should also compare rates on coverage from those companies, too.

Don’t miss these money-saving discounts

Insurance can be prohibitively expensive, but you might find some hidden discounts that many people don’t even know exist. Certain discounts will be applied at the time of purchase, but some discounts are required to be asked for before they will apply.

  • Early Renewal Discounts – Select insurance coverage companies give a discount for signing up before your current coverage expires. Ten percent is about the average savings.
  • Professional Memberships – Being in qualifying employment or professional organizations could trigger savings on your bill.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper since new model year vehicles are generally safer.
  • Accident Waiver – Not necessarily a discount, but some companies like State Farm, Progressive and Geico allow you one accident without getting socked with a rate hike with the catch being you have to be claim-free for a specific time period.
  • Defensive Driving Course – Completing a course teaching safe driver skills may get you a small discount and also improve your driving technique.
  • Responsible Driver Discount – Insureds who avoid accidents can pay as much as 50% less for RDX coverage as compared to drivers with claims.

As a sidenote, many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as liability, collision or medical payments. Despite the appearance that all the discounts add up to a free policy, it’s just not the way it works.

Companies and some of the premium reductions they offer are included below.

  • American Family discounts include Steer into Savings, defensive driver, air bags, bundled insurance, and mySafetyValet.
  • Nationwide may include discounts for defensive driving, good student, business or organization, family plan, and multi-policy.
  • MetLife may have discounts that include accident-free, claim-free, defensive driver, multi-policy, good student, good driver
  • 21st Century offers discounts including automatic seat belts, theft prevention, homeowners, good student, student driver, air bags, and early bird.
  • Farmers Insurance offers premium reductions for pay in full, early shopping, youthful driver, mature driver, electronic funds transfer, multi-car, and alternative fuel.
  • Allstate includes discounts for auto/life discount, safe driver, early signing, FullPay discount, new car, multi-policy, and anti-lock brakes.

It’s a good idea to ask every insurance company the best way to save money. Discounts may not apply everywhere. To view insurance companies with significant discounts, click here.

Do I need special coverages?

When it comes to choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that might help in determining if your situation would benefit from an agent’s advice.

  • Should I sign the liability waiver when renting a car?
  • Are rental cars covered under my policy?
  • Are split liability limits better than a combined single limit?
  • Does my insurance cover my expensive audio equipment?
  • Is business equipment covered while in my vehicle?
  • Am I covered if hit by an uninsured driver?
  • Can I afford to pay high deductible claims out of pocket?
  • Can I make deliveries for my home business?
  • Should I have a commercial auto policy?
  • Who is covered by my policy?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

Learn how to lower your insurance rates

A large part of saving on car insurance is knowing the different types of things that help calculate your car insurance rates. If you know what impacts premium levels, this helps enable you to make changes that may result in better car insurance rates. Lots of things are used in the calculation when quoting car insurance. Some are obvious like your driving record, but other factors are not quite as obvious like where you live or your commute time.

  • Consolidate home and auto and save – Most insurers afford lower prices to buyers who have multiple policies with them in the form of a multi-policy discount. Even if you qualify for this discount already, it’s in your best interest to compare other company rates to help guarantee you have the best rates.
  • Insurance rates for married couples – Getting married may cut your premiums on your policy. Marriage generally demonstrates drivers are more mature and it’s proven that drivers who are married are more cautious.
  • Drive less and get lower premiums – Driving more miles in a year’s time the more you’ll pay to insure it. Many insurance companies calculate prices based upon how you use the vehicle. Autos used primarily for pleasure use receive better premium rates as compared to vehicles used primarily for driving to work. An incorrectly rated RDX may be wasting your money. Double check that your vehicle rating properly reflects the correct driver usage, because it can save money.
  • Younger drivers cost more – Older drivers are more responsible, are lower risk to insure , and usually have better credit.Beginning drivers are statistically proven to get distracted easily when at the wheel of a vehicle so car insurance rates are higher.
  • Never let your car insurance policy lapse – Having a lapse in insurance coverage is a fast way to increase your renewal premiums. Not only will you pay more, failure to provide proof of insurance could earn you a license revocation or jail time. You will then be forced to file a SR-22 with your state DMV.
  • Less chance of injury means lower rates – Vehicles with high crash test scores are cheaper to insure. These vehicles help reduce the chance of injuries in an accident and fewer serious injuries means your insurance company pays less and thus lower rates. If the Acura RDX earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Policy add-ons could be costing you – Insurance policies have a lot of additional extra coverages that can add up if you don’t pay attention. Insurance for rental car coverage, accidental death, and extra equipment coverage may be costing you every month. They may seem like a good idea initially, but your money might be better spent on other coverage so remove them and pocket the money.

Will you really save $387 on car insurance?

Big name companies like State Farm, Allstate and Geico consistently run television and radio advertisements. All the companies make the same claim that drivers can save some big amount if you move to them. How does every company sell you cheaper insurance coverage? This is the way they can do it.

Companies offer their best rates for the type of driver that will not have excessive claims. For example, this type of insured may need to be between the ages of 30 and 45, insures multiple vehicles, and drives a lower-performance vehicle. A propective insured who fits that profile will get low premium rates and will also save when switching.

Insureds who don’t measure up to those standards will probably have to pay higher rates which results in the customer not purchasing. The trick is to say “people who switch” but not “everyone who gets a quote” save the amount stated. That’s why companies can claim big savings.

This really emphasizes why drivers should do a quote comparison often. It is impossible to guess the company that will give you the biggest savings.

Coverage specifics

Learning about specific coverages of insurance aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses such as EMT expenses, doctor visits, X-ray expenses and funeral costs. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This coverage covers damage to your RDX from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like hitting a parking meter, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Coverage for liability

Liability coverage will cover damage that occurs to a person or their property in an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as repair costs for stationary objects, medical expenses, pain and suffering, attorney fees and structural damage. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverages

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from a tornado or hurricane, damage from flooding, vandalism and hitting a deer. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

Power to the consumer

Cheaper auto insurance is available on the web and from local agencies, so you should compare both in order to have the best price selection to choose from. A few companies may not have online price quotes and most of the time these small, regional companies only sell through independent agents.

In this article, we presented some good ideas how you can reduce 2018 Acura RDX insurance car insurance rates online. The most important thing to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the best car insurance rates are with some of the smallest insurance companies.

People change insurance companies for any number of reasons including delays in responding to claim requests, denial of a claim, policy cancellation or even policy non-renewal. Whatever your reason, choosing a new company is easier than you think.

Much more information about auto insurance is located at the links below