Lower Your 2011 Acura RDX Insurance Rates

Searching for the cheapest auto insurance rates? Consumers have a choice when looking for the lowest priced Acura RDX insurance. You can either spend your time struggling with agents to compare prices or use the internet to make rate comparisons.

There are both good and bad ways to shop for auto insurance so you’re going to learn the best way to price shop coverage for a new or used Acura and find the lowest possible price either online or from local insurance agents.

It’s a good idea to shop coverage around every six months because insurance rates tend to go up over time. Even if you think you had the lowest rates for RDX coverage a few years ago a different company probably has better rates today. Block out anything you think you know about auto insurance because you’re about to learn how to use the internet to get good coverage at a lower rate.

If you are insured now or are looking for a new policy, you can use this information to get lower rates while maximizing coverage. The purpose of this post is to instruct you on how to get online quotes and some tips to save money. Drivers just need to know the proper methods to compare price quotes over the internet.

Quick Insurance Quotes

Finding lower insurance rates isn’t really that difficult. Consumers just need to take time to get quotes online from several insurance companies. This can be done in a couple of different ways.

  • The single most time-saving way consumers can analyze rates is a comparison rater form click to view form in new window. This form keeps you from doing multiple quote forms for each company. One form submission compares rates from multiple companies. This is perfect if you don’t have a lot of time.
  • A less efficient way to get comparison quotes requires visiting the website for each individual company and complete a new quote form. For sake of this example, we’ll assume you want to compare rates from GEICO, Liberty Mutual and State Farm. To get rate quotes you would need to go to every website to enter your coverage information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  • The most time-consuming method to compare rates is to spend your day driving to insurance agents’ offices. Shopping for insurance online has reduced the need for local agents unless you want the trained guidance of a licensed agent. However, consumers can get the lowest quotes online and still use a local agent and we’ll talk about that later.

Which method you use is up to you, but make absolute certain that you use exactly the same coverages for every quote you compare. If you use higher or lower deductibles it’s impossible to truly determine the lowest rate.

When might I need an agent?

When choosing the best auto insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Every situation is different.

For example, these questions could help you determine whether your personal situation might need an agent’s assistance.

  • Do I need higher collision deductibles?
  • Can I rent a car in Mexico?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • If I drive on a suspended license am I covered?
  • How can I force my company to pay a claim?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is extra glass coverage worth it?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.

Learn about auto insurance coverages for a 2011 Acura RDX

Understanding the coverages of a auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims 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, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.

Collision coverages – This coverage will pay to fix damage to your RDX resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as rolling your car, colliding with a tree and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for bills like rehabilitation expenses, EMT expenses, pain medications, hospital visits and surgery. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverages – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like rock chips in glass, hail damage and hitting a bird. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability auto insurance – Liability insurance protects you from damage or injury you incur to a person or their property in an accident. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like repair bills for other people’s vehicles, legal defense fees, repair costs for stationary objects, bail bonds and funeral expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.