Cheap 2009 Acura RDX Insurance Rates

No one looks forward to buying insurance coverage, particularly when the price is too high. Many car insurance companies vie for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the best price available.

It’s a good habit to take a look at other company’s rates yearly because rates fluctuate regularly. Even if you think you had the lowest rates for RDX coverage on your last policy you will most likely find a better rate today. So just ignore everything you know about insurance coverage because you’re going to get a crash course in how to quote online to save on insurance coverage.

Discounts can save BIG

Companies that sell car insurance don’t necessarily list all their discounts very well, so the following is a list of both well-publicized and also the lesser-known discounts you could be receiving. If you don’t get every credit you qualify for, you are throwing money away.

  • Save with a New Car – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • One Accident Forgiven – A few companies allow you one accident without raising rates if you are claim-free prior to the accident.
  • Early Switch Discount – Some companies give discounts for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Homeowners Pay Less – Owning a home can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. The discount lasts up to age 25.
  • Save over 55 – Mature drivers can possibly qualify for better insurance rates for RDX coverage.
  • Auto/Home Discount – If you insure your home and vehicles with one company you will save approximately 10% to 15%.

Consumers should know that most discount credits are not given to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, you’re out of luck.

Car insurance companies that possibly offer some of the above discounts may include but are not limited to:

Check with each insurance company which discounts they offer. All car insurance discounts may not apply everywhere.

Comprehensive Car Insurance Comparison

Finding lower car insurance rates is not rocket science. The only thing you need to do is spend a few minutes on the computer comparing rate quotes online with multiple companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The fastest way to find low rates is an all-inclusive rate comparison (click to open form in new window). This form saves time by eliminating multiple quote forms for each company. Filling out one form will get you rate comparisons from many national carriers.
  2. A different way to obtain and compare quotes online requires a trip to the website for each individual company to complete a price quote. For example, let’s assume you want comparison quotes from Nationwide, Geico and GMAC. To find out each rate you need to spend time on each company’s site to input your insurance information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

Whichever method you choose, ensure you are comparing apples-to-apples coverages and limits on every quote you get. If you are comparing unequal deductibles or liability limits it’s impossible to determine the lowest rate for your Acura RDX.

Will just any policy work for me?

When buying adequate coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions could help you determine whether or not you might need professional guidance.

  • Should I sign the liability waiver when renting a car?
  • Am I covered when using my vehicle for business?
  • What is high-risk coverage and where do I buy it?
  • Does my 2009 Acura RDX qualify for pleasure use?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Car insurance coverage information

Understanding the coverages of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average insurance policy.

Auto liability

This coverage can cover damage that occurs to other’s property or people in an accident. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like structural damage, medical expenses, funeral expenses and court costs. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Comprehensive coverages

This coverage pays for 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 insurance covers claims such as hail damage, hitting a deer and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision protection

This will pay to fix damage to your RDX resulting 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 coverage pays for things such as colliding with a tree, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Coverage for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses like dental work, EMT expenses, pain medications and nursing services. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Money doesn’t grow on trees

We covered a lot of tips how to get a better price on 2009 Acura RDX insurance. The key thing to remember is the more quotes you get, the better likelihood of reducing your rate. You may be surprised to find that the biggest savings come from a lesser-known regional company. These companies may often insure only within specific states and give getter rates than their larger competitors like State Farm or Progressive.

Cheap insurance is possible both online and also from your neighborhood agents, and you should be comparing both to get a complete price analysis. There are still a few companies who may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, make sure you don’t reduce needed coverages to save money. Too many times, someone dropped liability limits or collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage at the best price while still protecting your assets.

More tips and info about auto insurance is located at these sites: