2015 Acura RDX Car Insurance Cost

Looking for better car insurance rates? Shoppers have options when shopping for the lowest priced Acura RDX insurance. They can either spend hours struggling with agents to compare prices or leverage the internet to make rate comparisons. There is a better way to shop for car insurance and we’ll show you the best way to get price quotes for a new or used Acura and get the lowest price from local insurance agents and online providers.

It’s a good habit to compare prices on a regular basis due to the fact that insurance rates are rarely the same from one policy term to another. Just because you had the lowest price on RDX coverage last year the chances are good that you can find a lower rate today. Starting right now, forget anything you know (or think you know) about car insurance because we’re going to show you the fastest and easiest way to save money, get proper coverage and the best rates.

If you have a policy now or are shopping for new coverage, you can use these techniques to cut your premiums and still get good coverage. The purpose of this article is to tell you how car insurance quotes work and some tips to save money. Consumers only need to know the tricks to get comparison quotes over the internet.

How to Get Insurance Comparison Quotes

Getting a cheaper price on 2015 Acura RDX insurance is not rocket science. You just need to take a couple of minutes comparing rates provided by online insurance companies. This can be done using a couple different methods.

  • The single most time-saving way to get quotes is an all-inclusive rate comparison (click to open form in new window). This type of form saves time by eliminating repetitive form entry for each company you want a rate for. Filling out one form gets you price quotes from all major companies. It’s the fastest way to compare.
  • A more time consuming way to compare rate quotes consists of going to the website for each individual company and request a quote. For sake of this example, let’s assume you want to compare rates from Geico, Progressive and Farmers. To get rate quotes you would need to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

  • The least efficient way to compare rates is driving to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you prefer the personal advice only provided by licensed agents. Drivers can price shop your coverage online but buy from a local insurance agent and you’ll learn how to do that later.

Whichever way you use, ensure you’re using exactly the same quote information for every company. If you have different deductibles it will be impossible to determine the best price for your Acura RDX.

Can you really save that much by switching?

Consumers get pounded daily by advertisements for car insurance savings by Allstate, Geico and Progressive. All the companies make an identical promise of big savings after switching to their company.

But how can every company make almost identical claims?

Insurance companies have a preferred profile for the type of driver that is profitable for them. For example, a driver they prefer might be between 30 and 50, a clean driving record, and chooses high deductibles. A customer that hits that “sweet spot” will get very good rates and therefore will save quite a bit of money when switching.

Consumers who don’t meet these standards will be charged a higher premium and this can result in business not being written. The ads state “customers that switch” not “people who quote” save money. That is how companies can truthfully make the claims of big savings. That is why drivers must quote coverage with many companies. You cannot predict which company will give you the biggest savings on Acura RDX insurance.

Complexity of Acura RDX insurance rates

An important part of buying insurance is that you know the factors that play a part in calculating car insurance rates. Knowing what impacts premium levels allows you to make educated decisions that can help you get much lower annual insurance costs.

Shown below are a partial list of the pieces companies use to determine your rates.

  • Higher deductibles cost less – Deductibles for physical damage define the amount you are required to spend out-of-pocket before a claim is paid by your company. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Examples of covered claims would be running into the backend of another car, vandalism, or theft. The more expense you’re willing to pay, the less your car insurance will be on RDX coverage.
  • More people means more accidents – Being located in a rural area has it’s advantages when it comes to car insurance. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims. Drivers who live in large cities have to deal with congested traffic and a longer drive to work. More time on the road means more change of being in an accident.
  • Your age impacts your rates – Mature drivers are more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Teenage drivers are known to be more careless in a vehicle and because of this, their car insurance rates are much higher.
  • Better crash test results mean better rates – Vehicles with high crash test scores get lower rates. These vehicles protect occupants better and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If your Acura has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Bundling policies can get discounts – Most car insurance companies give discounts to insureds who carry more than one policy. It’s known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. If you currently are using one company, you still need to compare other company rates to ensure the best deal.
  • Do you need the policy add-ons? – There are quite a few extra coverages that you can buy on your car insurance policy. Coverages for rental car reimbursement, towing coverage and term life insurance may be costing you every month. These may sound like a good investment when talking to your agent, but if they’re wasting money eliminate them to save money.
  • Poor credit can mean higher rates – Having a bad credit score is a big factor in your rate calculation. So if your credit score is lower than you’d like, you could pay less to insure your 2015 Acura RDX by repairing your credit. Drivers who have good credit tend to be better drivers and file fewer claims than drivers with poor credit.
  • Theft deterrents lower rates – Owning a car with anti-theft technology or alarm system can help bring down rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.

Lower rates by qualifying for discounts

Companies offering auto insurance do not advertise all their discounts in an easy-to-find place, so we break down both well-publicized and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit available, you’re paying more than you need to.

  • No Charge for an Accident – Some insurance companies permit an accident without raising rates if your claims history is clear for a certain period of time.
  • Early Signing – Select companies give a discount for switching to them before your current policy expires. This can save 10% or more.
  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates on RDX coverage than their less cautious counterparts.
  • Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.
  • Homeowners Savings – Being a homeowner can save you money due to the fact that maintaining a home requires personal responsibility.
  • Drivers Education – Have your child successfully complete driver’s ed class if it’s offered in school.
  • Multiple Policy Discount – When you have multiple policies with one company you may save 10% to 20% off each policy.

It’s important to understand that most discounts do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way.

Companies that may offer these benefits may include but are not limited to:

Before buying, ask all companies you are considering which discounts they offer. All car insurance discounts may not be available in every state.

Car insurance is unique, just like you

When choosing the right insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions may help highlight whether your personal situation might need an agent’s assistance.

  • When does my teenage driver need to be added to my policy?
  • Is upholstery damage covered by car insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered when driving on a suspended license?
  • Are my tools covered if they get stolen from my vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I make deliveries for my home business?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Specific coverages for an Acura RDX

Having a good grasp of your auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Acura RDX.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Liability coverage

Liability coverage can cover damages or injuries you inflict on other people or property. It protects you against claims from other people, and doesn’t 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 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as pain and suffering, loss of income, attorney fees, bail bonds and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like fire damage, damage from flooding and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto collision coverage

Collision insurance pays for damage to your RDX resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like rolling your car, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as surgery, rehabilitation expenses and ambulance fees. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers you and your occupants as well as getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Quote often and quote early

We covered a lot of information how to lower your 2015 Acura RDX insurance rates. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. Drivers may discover the best price on auto insurance is with a company that doesn’t do a lot of advertising.

As you shop your coverage around, make sure you don’t sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

Cheaper insurance is available from both online companies as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some auto insurance companies don’t offer online price quotes and most of the time these small, regional companies sell through independent agents.

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