2008 Acura RDX Car Insurance Rates

Feel like you’re a prisoner to an overpriced insurance coverage policy? Believe me, there are a lot of people just like you who feel imprisoned by their insurance coverage policy. Having so many options when it comes to insurance coverage, it can be hard to locate the right insurance company.

Finding affordable coverage is not rocket science. If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. Drivers just need to understand how to get comparison quotes online.

Discounts are available to cut your rates

Companies do not list all their discounts in an easy-to-find place, so here is a list both well-publicized as well as the least known ways to save on insurance coverage. If they aren’t giving you every credit available, you are throwing money away.

  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on RDX insurance with certain companies.
  • No Claims – Good drivers with no accidents can save substantially as compared to drivers who are more careless.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Homeowners Discount – Simply owning a home can help you save on insurance coverage because of the fact that having a home is proof that your finances are in order.
  • Driver Safety – Successfully completing a course in driver safety could save 5% or more depending on where you live.
  • Memberships – Being a member of a qualifying organization could qualify you for a break on your policy on RDX insurance.
  • Good Student – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

Car insurance companies who might offer some of the above discounts include:

Double check with each insurance company how you can save money. Discounts may not be available in your state.

Vehicle Insurance Comparison

There are a lot of ways to compare car insurance quotes, but there is one way that is more efficient than others. You can waste a lot of time driving to insurance companies in your area, or you could use online quotes to maximize your effort.

Many of the larger companies enroll in a system that allows shoppers to complete one form, and each participating company can give them a price for coverage. This saves time by eliminating quotation requests to each individual car insurance company.

To find out how much you can save on car insurance click to open in new window.

The one disadvantage to comparing rates this way is that consumers can’t choose the insurers you want pricing from. So if you prefer to choose specific insurance companies for rate comparison, we have assembled a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, make sure you use the exact same coverages and limits for each price quote. If you are comparing mixed coverages then you won’t be able to find the best deal for your Acura RDX.

Acura RDX rates are complex

Consumers need to have an understanding of the factors that come into play when calculating the price you pay for insurance coverage. Knowing what impacts premium levels allows you to make educated decisions that will entitle you to big savings.

The list below includes some of the items companies use to determine prices.

  • What are your deductibles? – The deductibles define the amount you are required to spend out-of-pocket before your insurance coverage pays a claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of claims that would be covered are running into the backend of another car, vandalism, and windstorm damage. The more expense the insured has to pay upfront, the bigger discount you will receive on RDX insurance.
  • Marriage brings a discount – Having a wife or husband actually saves money on your insurance coverage policy. Having a spouse usually means you are more responsible and it’s statistically proven that being married results in fewer claims.
  • Are you male or female? – Statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Men and women have accidents at a similar rate, but the male of the species cause more damage. Men also tend to get more serious tickets like reckless driving and DUI. Teenage male drivers tend to get in the most accidents and therefore are the most expensive to insure.
  • Bad driving skills means higher rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Drivers who don’t get tickets tend to pay less for car insurance than people who have multiple driving citations. Only having one speeding ticket can bump up the cost forty percent or more. Drivers with severe tickets like DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
  • Rate your vehicle for proper use – The more you drive in a year’s time the higher your rate. Most companies apply a rate based on how the vehicle is used. Autos not used for work or commuting get more affordable rates compared to those used for work or business. Ask your agent if your insurance coverage policy is showing the correct driver usage. If your policy improperly rates your RDX may be wasting your money.
  • Extra coverages can waste money – There are a ton of extra coverages that can waste your money on your insurance coverage policy. Coverages like rental car reimbursement, accident forgiveness and membership fees are examples of these. These may sound like a good investment when talking to your agent, but your needs may have changed so get rid of them and save.

Everyone needs different coverages

When buying the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions might help in determining if your situation may require specific advice.

  • Why does it cost so much to insure a teen driver?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is my teenager covered with friends in the car?
  • What is an SR-22 filing?
  • I have health insurance so do I need medical payments coverage?
  • Can I drive in Mexico and have coverage?
  • Should I buy additional glass protection?
  • Am I covered if hit by an uninsured driver?
  • Am I covered if I wreck a rental car?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Ads can be misleading

Consumers constantly see and hear ads that promise big savings by Progressive, Geico, Allstate and State Farm. All the companies say the same thing that you can save if you move to their company.

How do they all make almost identical claims?

Insurance companies are able to cherry pick for the right customer that earns them a profit. A good example of a driver they prefer might be profiled as a mature driver, has no prior claims, and has a short commute. A customer who fits that profile receives the best rates and is almost guaranteed to save a lot of money.

Potential insureds who fall outside these standards will be quoted higher rates and this can result in the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “people who quote” save money. That’s why companies can truthfully make the claims of big savings. This emphasizes why drivers should get a wide range of price quotes. It’s not possible to predict which company will provide you with the cheapest Acura RDX insurance rates.

Insurance policy specifics

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages available from insurance companies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as rehabilitation expenses, hospital visits, surgery, EMT expenses and doctor visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, damage from flooding, hail damage, vandalism and theft. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.


Liability coverage will cover injuries or damage you cause to a person or their property. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as bail bonds, medical expenses and loss of income. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Auto collision coverage

Collision insurance covers damage to your RDX from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a parking meter, rolling your car, sustaining damage from a pot hole, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Acura RDX.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Save your hard earned cash

When buying insurance coverage, make sure you don’t buy less coverage just to save a little money. Too many times, someone dropped collision coverage only to regret they didn’t purchase enough coverage. The ultimate goal is to find the BEST coverage at an affordable rate, not the least amount of coverage.

The cheapest 2008 Acura RDX insurance is attainable on the web as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers don’t offer online quoting and these smaller companies work with independent agents.

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