2016 Acura RDX Insurance Rates – 6 Tips for Cheaper Quotes

Comparison shopping for car insurance can be a challenge for consumers new to comparing rates online. People have so many companies to choose from that it can be more work than you anticipated to find the best price.

Choosing the best insurance company for you is quite easy. Basically, anyone who has to buy car insurance will most likely be able to cut their insurance bill. Although consumers must know the methods companies use to determine prices and apply this information to your search.

Car Insurance Prices Online

Performing a rate comparison can take hours if you don’t know the easiest way. You could waste time driving to insurance companies in your area, or you can utilize online quotes to maximize your effort.

Many popular insurance companies participate in a marketplace where insurance shoppers submit one quote, and at least one company returns a rated price based on that data. This system prevents you from having to do quotation requests to every company.

To compare 2016 Acura RDX rates using this form now click here to start a free quote.

The only downside to using this type of system is you are unable to specify which insurance companies to get quotes from. If you would rather choose specific providers for rate comparison, we have a listing of the cheapest car insurance companies in your area. Click here to view list.

Whichever way you use, ensure you are comparing apples-to-apples quote information with each company. If you enter different limits and deductibles on each one then you won’t be able to make an equal comparison. Just a small difference in coverage limits can result in a big premium difference. Just remember that having more price comparisons gives you a better chance of getting the best rates.

When should I talk to an agent?

When buying the right insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions may help you determine if you would benefit from an agent’s advice.

  • Can I afford to buy a different vehicle if my 2016 Acura RDX is totaled?
  • Can I afford low physical damage deductibles?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered if I drive in a foreign country?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • How can I force my company to pay a claim?
  • When would I need rental car insurance?
  • When can I cancel my policy?
  • Should I bundle my homeowners policy with my auto?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form.

Car insurance specifics

Having a good grasp of your car insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision coverage

This will pay to fix damage to your RDX caused by collision 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 insurance covers claims such as crashing into a ditch, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage

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

Comprehensive coverage pays for claims such as a broken windshield, falling objects, hitting a bird, damage from a tornado or hurricane and fire damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills for things like nursing services, prosthetic devices, pain medications, rehabilitation expenses and surgery. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Liability insurance

Liability coverage protects you from damages or injuries you inflict on people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as legal defense fees, funeral expenses, court costs, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Acura RDX.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.