Lower Your 2015 Acura RLX Insurance Rates

Nobody I know enjoys paying for auto insurance, especially knowing the cost is way too high.

You have multiple car insurance companies to pick from, and even though it’s nice to be able to choose, it can be more challenging to get the best deal.

How to Compare Auto Insurance Costs

There are a lot of ways to shop for auto insurance, but there is one way that is more efficient than others. You could spend your day discussing policy coverages with insurance agencies in your area, or you could save time and use online quotes to get prices fast.

Many insurance companies belong to an insurance system that allows shoppers to enter their policy data once, and each company can give them a price. This prevents consumers from doing quote forms to each individual auto insurance company.

To compare pricing click to open in new window.

The only drawback to pricing coverage this way is you can’t choose which carriers to get pricing from. If you wish to select individual companies for rate comparison, we have a listing of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make absolute certain that you use the exact same information on every quote. If each company quotes mixed coverages it’s impossible to determine which rate is truly the best. Having just a slight variation in coverage limits can mean a large discrepancy in price. And when price shopping your coverage, comparing a large number of companies helps you find lower pricing.

Discounts mean cheaper Acura RLX insurance rates

The cost of insuring your cars can be expensive, but you can get discounts that can drop the cost substantially. A few discounts will automatically apply when you complete an application, but a few need to be manually applied before being credited.

  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less on RLX insurance than drivers with accidents.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Multiple Policy Discount – If you have multiple policies with one insurance company you may save up to 20% off your total premium.
  • Sign Early and Save – A few companies offer discounts for signing up before your current expiration date. It can save you around 10%.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can qualify for discounts up to 30%.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% on RLX insurance depending on your company.

It’s important to note that most credits do not apply to all coverage premiums. Most cut the price of certain insurance coverages like comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will bring down your premiums.

Insurance companies who might offer these benefits include:

Double check with all companies you are considering which discounts you may be entitled to. All car insurance discounts may not apply in every state.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

  • How do I file an SR-22 for a DUI in my state?
  • Do I have coverage when making deliveries for my home business?
  • How can I find cheaper teen driver insurance?
  • Are my friends covered when driving my 2015 Acura RLX?
  • Are my tools covered if they get stolen from my vehicle?
  • What is the rate difference between pleasure use and commuting?
  • Should I carry comprehensive and collision coverage?
  • How high should my uninsured/underinsured coverage be in my state?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Coverages available on your policy

Knowing the specifics of insurance helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on most insurance policies.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as rehabilitation expenses, doctor visits and funeral costs. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Acura RLX.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally these coverages are similar to your liability insurance amounts.

Comprehensive coverages

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, hitting a deer, fire damage, damage from flooding and rock chips in glass. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision coverage will pay to fix damage to your RLX resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as backing into a parked car, crashing into a building, colliding with another moving vehicle, hitting a mailbox and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Liability auto insurance

Liability coverage protects you from damage or injury you incur to people or other property by causing an accident. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like repair costs for stationary objects, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

And the best car insurance company is…

When shopping online for car insurance, don’t be tempted to skimp on coverage in order to save money. There have been many cases where someone sacrificed physical damage coverage only to regret at claim time that it was a big mistake. Your focus should be to get the best coverage possible at an affordable rate while still protecting your assets.

Cheap 2015 Acura RLX insurance can be sourced online in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money. There are still a few companies who do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

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