How Much Does 2014 Acura RDX Insurance Cost?

Finding better insurance prices for an Acura RDX can turn out to be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to compare insurance rates and we’ll show you the quickest way to get price quotes for a new or used Acura and obtain the best price possible from both online companies and local agents.

You should take the time to shop coverage around quite often because insurance rates fluctuate regularly. Despite the fact that you may have had the best rates for RDX insurance last year there may be better deals available now. So just block out anything you think you know about insurance because we’re going to show you the quickest way to find lower rates on insurance.

If you have a policy now or are looking for a new policy, you can learn to cut your premiums while maximizing coverage. Locating the lowest cost protection is quite easy. Vehicle owners only need to know how to compare company rates online.

These factors can influence Acura RDX insurance rates

It’s important that you understand the rating factors that come into play when calculating auto insurance rates. Understanding what determines base rates allows you to make educated decisions that may reward you with better auto insurance rates.

  • Don’t let your coverage lapse – Driving your car without having proper coverage can get your license suspended and your next policy will cost more because you let your coverage have a gap. And not only will your rates increase, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.
  • Increase deductibles and save – Deductibles for physical damage define the amount you are required to spend out-of-pocket before your auto insurance pays a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some instances where coverage would apply are running into the backend of another car, vandalism, and rolling your vehicle. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance for RDX insurance.
  • Proper usage rating affects rates – The more miles you rack up on your Acura every year the higher your rate. The majority of insurers charge to insure your cars based on how the vehicle is used. Cars left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Make sure your auto insurance policy shows how each vehicle is driven. If your policy improperly rates your RDX can cost quite a bit.
  • Add-on coverages can add up – There are many additional coverages that can waste your money if you aren’t careful. Coverages like vanishing deductibles, accident forgiveness and motor club memberships may be wasting your money. They may seem good when you first buy your policy, but if you don’t need them get rid of them and save.
  • High credit ratings translate to low rates – A driver’s credit rating is a big factor in calculating your auto insurance rates. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers with lower credit scores. If your credit score can use some improvement, you could pay less to insure your 2014 Acura RDX by spending a little time repairing your credit.
  • High numbers of claims are not good – If you tend to file frequent claims, you can expect higher rates. Car insurance companies award better rates to people who are claim-free. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
  • Car features impact rates – Choosing a vehicle with an alarm system can get you a discount on your auto insurance. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your vehicle from being stolen.
  • Being married is a good thing – Getting married can get you a discount on your policy. Having a spouse translates into being more mature and it’s proven that being married results in fewer claims.

The best way we recommend to compare insurance rates from multiple companies is to know the fact car insurance companies participate in online systems to compare their rates. All you need to do is provide information such as which vehicles you own, daily mileage, your job, and whether the vehicles are used for commuting. Your insurance information is submitted instantly to multiple different insurance companies and you get price estimates quickly.

Don’t overlook these discounts

Car insurance companies don’t always list all their discounts in a way that’s easy to find, so we researched some of the more common and the more hidden auto insurance savings. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
  • Early Signing – Select companies give a discount for signing up prior to your current policy expiration. This can save 10% or more.
  • Resident Student – Youth drivers who are attending college and don’t have a car may be able to be covered for less.
  • Accident Free – Drivers who don’t have accidents can save substantially when compared to frequent claim filers.
  • Safety Course Discount – Taking part in a defensive driving course could cut 5% off your bill if your company offers it.
  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company could earn a price break for each car.
  • Homeowners Discount – Owning a house can save you money because maintaining a house demonstrates responsibility.
  • New Car Discount – Insuring a new car is cheaper since new cars are generally safer.
  • Low Mileage – Driving fewer miles can earn lower rates on the low mileage vehicles.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you could save up to 5%.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way.

Car insurance companies that may have these benefits may include but are not limited to:

Before buying, ask every prospective company which discounts they offer. Discounts might not apply in your area.

Is my situation unique?

When choosing the right insurance coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine if your situation may require specific advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I have combined single limit or split liability limits?
  • Does medical payments coverage apply to all occupants?
  • Is extra glass coverage worth it?
  • I don’t drive much so do I pay less?
  • What is no-fault insurance?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

Specific coverage details

Knowing the specifics of car insurance helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Auto liability – Liability insurance will cover injuries or damage you cause to other people or property. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for claims such as court costs, legal defense fees, bail bonds and loss of income. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage – This coverage pays for 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 coverage protects against things such as a broken windshield, falling objects, vandalism, damage from getting keyed and hitting a bird. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision – Collision insurance covers damage to your RDX caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sustaining damage from a pot hole, damaging your car on a curb, colliding with another moving vehicle, rolling your car and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for expenses such as prosthetic devices, funeral costs, chiropractic care, doctor visits and ambulance fees. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

More quotes. Lower rates.

We just presented a lot of techniques to reduce 2014 Acura RDX insurance prices online. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. You may even find the best price on insurance coverage is with a small mutual company.

Insureds change insurance companies for many reasons like delays in responding to claim requests, delays in paying claims, an unsatisfactory settlement offer or even unfair underwriting practices. No matter why you want to switch, finding a great new company can be easy and end up saving you some money.

As you restructure your insurance plan, it’s a bad idea to reduce needed coverages to save money. In too many instances, an insured dropped comprehensive coverage or liability limits only to find out they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at an affordable rate while still protecting your assets.

Additional detailed information can be found at these sites: