Save on 2017 Acura RDX Insurance Quotes

Looking for the cheapest car insurance rates for your Acura RDX? Saving money on car insurance could be nearly impossible for beginners to quoting and comparing prices online. Consumers have so many options available that it can be a chore to find the perfect company for you.

Consumers need to compare rates as often as possible because prices are rarely the same from one policy term to another. Even if you think you had the lowest quotes on RDX coverage a year ago the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because you’re about to learn the only way to properly buy coverages and cut your premium.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. This information will introduce you to the best way to quote coverages and some money-saving tips. Nevertheless, car owners need to learn the way insurance companies price insurance differently and apply this information to your search.

Compare free insurance quotes

There are a variety of methods to compare insurance prices but some are easier and takes less work. You can spend your afternoon driving to local insurance agents in your area, or you can stay home and use the internet to quickly compare rates.

Most of the larger companies participate in a marketplace that enables customers to send in one quote, and at least one company returns a rated price based on the submitted data. This prevents consumers from doing quote requests to every company. To get comparison pricing now click here to open in new window.

The single downside to comparing rates this way is you are unable to specify which companies you want to price. So if you want to select individual companies to compare, we have a listing of companies who write insurance in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but make sure you use exactly the same quote data on every price quote you get. If you use mixed coverages then you won’t be able to make an equal comparison. Slightly different coverages can mean a large discrepancy in price. And when quoting insurance, remember that comparing all the rates in your area helps improve the odds of finding a better price. Some regional insurers cannot provide rate quotes online, so it’s necessary to compare price estimates from them as well.

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Discount car insurance rates

Car insurance companies don’t always publicize all their discounts in a way that’s easy to find, so we researched both the well known and also the more inconspicuous credits available to bring down your rates. If you check and find you aren’t receiving every discount possible, you could be getting lower rates.

• Multiple Vehicles – Insuring multiple vehicles on a single policy can get a discount for every vehicle.
• Military Discounts – Having an actively deployed family member could qualify you for better premium rates.
• Safety Restraint Discount – Buckling up and requiring all passengers to use a seat belt can save 10% or more off the medical payments premium.
• Good Student – Maintaining excellent grades can save 20 to 25%. This discount can apply well after school through age 25.
• First Accident Forgiveness – but companies like Geico, State Farm, and Progressive will forgive one accident before hitting you with a surcharge as long as you don’t have any claims before the accident.
• Senior Citizen Discount – Drivers over the age of 55 can get reduced rates on RDX coverage.
• Payment Discounts – By paying your policy upfront rather than paying in monthly installments you may reduce your total bill.
• Distant College Student Discount – Older children who attend college more than 100 miles from home and do not have a car may be insured at a cheaper rate.

It’s important to note that most discounts do not apply to the entire policy premium. Most only cut the cost of specific coverages such as liability and collision coverage. So even though it sounds like you can get free auto insurance, that’s just not realistic.

A few popular companies and some of the discounts include:

• State Farm has discounts for defensive driving training, Drive Safe & Save, safe vehicle, anti-theft, driver’s education, student away at school, and multiple autos.
• Liberty Mutual may offer discounts for newly married, newly retired, exclusive group savings, new graduate, and good student.
• American Family has savings for bundled insurance, air bags, defensive driver, accident-free, and early bird.
• Progressive policyholders can earn discounts including online quote discount, continuous coverage, multi-policy, online signing, multi-vehicle, homeowner, and good student.
• Farmers Insurance includes discounts for mature driver, bundle discounts, business and professional, teen driver, and distant student.
• Auto-Owners Insurance offers premium reductions for mature driver, air bags, student away at school, safe driver, company car, anti-theft, and multi-policy.
• SAFECO offers discounts for anti-theft, safe driver, teen safe driver, drive less, and anti-lock brakes.

When getting a coverage quote, ask every prospective company to give you their best rates. Discounts might not be offered on policies everywhere. If you would like to view insurance companies that can offer you the previously mentioned discounts, click here to view.

Tailor your car insurance coverage to you

When buying the best car insurance coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover whether or not you may require specific advice.

• Does my policy pay for OEM or aftermarket parts?
• Does my car insurance cover rental cars?
• Where can I find high-risk insurance?
• Why does it cost so much to insure a teen driver?
• Does my liability insurance cover pulling a trailer or camper?
• I have good health insurance, so how much medical payments coverage do I need?
• Am I covered when driving in Canada or Mexico?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

What determines Acura RDX insurance costs?

Many things are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious such as traffic violations, but some are more obscure such as your marital status or your financial responsibility.

• No insurance coverage claims equals better prices – Car insurance companies award better rates to insureds who file claims infrequently. If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Auto insurance is intended to be relied upon for larger claims.
• Prevent theft and reduce insurance coverage rates – Owning a car with an alarm system can help lower your rates. Anti-theft devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent your car from being stolen.
• Job and insurance rates – Did you know your career choice can influence rates? Jobs such as doctors, social workers and accountants generally pay higher rates than the rest of us in part from high stress and extremely grueling work hours. Conversely, professions such as professors, historians and retirees have lower than average premiums on RDX coverage.
• Good drivers have lower costs – Attentive drivers get better rates compared to bad drivers. Having a single moving violation can bump up the cost by twenty percent. Drivers who have received serious violations such as DWI, reckless driving or hit and run convictions may be required to file a SR-22 with their state DMV in order to legally drive a vehicle.
• Single drivers take more risk – Having a spouse may earn you lower rates on your insurance coverage policy. Having a spouse may mean you are more responsible and it’s statistically proven that married drivers get in fewer accidents.

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But they said I’d save $390 a year!

Companies like Progressive, Allstate and Geico regularly use ads on TV and radio. All the companies tend to make the same promise about how much you will save after switching your policy. That’s great but how can every company save you money? You have to listen carefully.

Companies give the best rates for the right customer that earns them the highest profit. An example of this type of risk profile may be over the age of 45, has no tickets, and does not commute to work. A customer getting a price quote who fits that profile gets the lowest premium rates and as a result will probably save a lot if they switch.

Consumers who fall outside these standards will get a higher premium which leads to business not being written. Company advertisements say “people that switch” but not “everyone who gets a quote” save money. That’s the way insurance companies can make the claims of big savings. This really drives home the point why it is so important to compare rate quotes every year. It is just not possible to predict which auto insurance company will provide the lowest prices.

Specific coverage details

Learning about specific coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for bills such as hospital visits, X-ray expenses, prosthetic devices, rehabilitation expenses and EMT expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability insurance will cover damage that occurs to other people or property that is your fault. This coverage protects you against other people’s claims, and doesn’t 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 might see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like bail bonds, legal defense fees, medical expenses, funeral expenses and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

Collision insurance pays for damage to your RDX from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as colliding with a tree, hitting a mailbox, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Acura RDX.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, a broken windshield, hail damage, vandalism and theft. The highest amount a insurance company will pay at claim time 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.

Save for a rainy day

As you quote auto insurance, you should never buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut uninsured motorist or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy the best coverage you can find at an affordable rate, but don’t skip important coverages to save money.

In this article, we presented some good ideas how to reduce 2017 Acura RDX insurance premium rates online. The most important thing to understand is the more you quote auto insurance, the better likelihood of getting affordable auto insurance. You may even find the most savings is with some of the lesser-known companies.

Insureds change insurance companies for a number of reasons such as poor customer service, unfair underwriting practices, being labeled a high risk driver and not issuing a premium refund. Whatever your reason, finding a new company is pretty simple and you could end up saving a buck or two.

Additional information can be read at these links:

• Things to Know Before you Cancel Insurance (Allstate)
• How to Avoid Staged Accidents (State Farm)
• Neck Injury FAQ (iihs.org)
• Driving in Bad Weather (Insurance Information Insitute)
• Information for Teen Drivers (Geico)

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