Save on 2015 Acura RDX Insurance Rates

Overpriced Acura RDX insurance can dwindle your bank account and make it hard to pay other bills. Doing a price comparison is a great way to cut your insurance bill. With consumers having so many choices of insurance companies, it can be diffult for consumers to find the lowest cost insurer.

The purpose of this post is to help educate you on how car insurance quotes work and some money-saving tips. If you currently have a car insurance policy, you stand a good chance to be able to save some money using these tips. Consumers only need an understanding of the proper way to compare prices on the web.

Acura RDX rates influenced by many factors

Consumers need to have an understanding of some of the elements that go into determining the price you pay for auto insurance. Knowing what determines base rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

Listed below are a few of the “ingredients” used by your company to calculate premiums.

  • Your location affects your rates – Living in small towns and rural areas can save you money when it comes to auto insurance. Fewer drivers means reduced accidents as well as less vandalism and auto theft. Urban drivers have to deal with traffic congestion and longer commutes to work. More time on the road means higher likelihood of an accident.
  • Males pay more for insurance – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. They both tend to get into accidents at about the same rate, but the males cause more damage. They also get cited for more serious violations like reckless driving and DUI. Teenage male drivers are most likely to cause an accident and thus pay the highest rates.
  • Your stress level may be raising your rates – Occupations like real estate brokers, social workers and financial analysts are shown to have higher average rates because of high stress levels and long work hours. Conversely, professions such as actors, engineers and retirees pay the least for RDX insurance.
  • Policy add-ons can waste money – There are a lot of add-on coverages you can purchase on your auto insurance policy. Things like rental car reimbursement, better glass coverage and membership fees may be costing you every month. These may sound like a good investment at first, but your needs may have changed so remove them from your policy.
  • Pay less after the wedding – Having a wife or husband helps lower the price on your policy. Having a significant other usually means you are more responsible and it’s statistically proven that drivers who are married are more cautious.

How to Compare Car Insurance Quotes

Getting better 2015 Acura RDX car insurance pricing doesn’t have to be difficult. Consumers just need to spend a few minutes on the computer comparing rates from different insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The best way consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This easy form keeps you from doing boring form submissions for each company. One quote request will return price quotes from car insurance companies with the best prices.
  2. A more difficult way to analyze rates is going to each individual company website and fill out their own quote form. For sake of this example, let’s assume you want to compare rates from State Farm, Progressive and Farmers. To get rate quotes you would need to visit 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.
  3. The most time-consuming way of getting rate comparisons is to drive around to and from local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you have a need for the professional guidance that only a license agent can provide. You can, however, comparison shop your insurance online and still use a local agent and we’ll talk about that later.

It’s up to you how you get prices quotes, just ensure you’re using apples-to-apples quote information with every price quote. If your comparisons have differing limits it’s impossible to determine the lowest rate for your Acura RDX.

The car insurance bait and switch

Consumers can’t get away from ads for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. They all have a common claim of big savings if you move your policy.

How does each company claim to save you money? It’s all in the numbers.

All companies have a preferred profile for the driver they prefer to insure. An example of a desirable insured could be between 30 and 50, has no tickets, and drives less than 7,500 miles a year. A customer who matches those parameters will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don’t qualify for these standards must pay a higher premium which usually ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” not “everybody who quotes” save that much money. That’s why insurance companies can confidently advertise the way they do.

This illustrates why you should get quotes from several different companies. Because you never know which car insurance company will provide you with the cheapest Acura RDX insurance rates.

Lots of discounts mean lots of savings

Insuring your fleet can be pricey, buy you may qualify for discounts to cut the cost considerably. A few discounts will automatically apply at quote time, but a few must be asked about before you get the savings. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • Discount for New Cars – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get reduced rates for RDX insurance.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Acura could qualify for better rates on cars that stay parked.

Consumers should know that most discount credits are not given to the entire policy premium. Some only reduce specific coverage prices like collision or personal injury protection. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts will reduce your overall premium however.

Companies that may offer these discounts are:

Before buying, ask each company which discounts they offer. Discounts may not be available everywhere.

Situations that might require an agent

When it comes to choosing coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions may help you determine whether you would benefit from professional advice.

  • Am I better off with higher deductibles on my 2015 Acura RDX?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Can I still get insurance after a DUI?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my 2015 Acura RDX covered for flood damage?
  • Do I need roadside assistance coverage?
  • How much can I save by bundling my policies?
  • Do I pay less for low miles?
  • Can I make deliveries for my home business?
  • What should my uninsured motorist coverage limits be in my state?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Insurance coverages explained

Learning about specific coverages of insurance can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are the usual coverages offered by insurance companies.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Acura RDX.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability insurance

Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as bail bonds, repair bills for other people’s vehicles and loss of income. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with a tree, crashing into a building, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills such as pain medications, EMT expenses and chiropractic care. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Comprehensive coverages

This covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, falling objects and hail damage. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Save your hard earned cash

Cost effective 2015 Acura RDX insurance can be purchased online in addition to many insurance agents, and you need to price shop both to have the best chance of lowering rates. A few companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

Throughout this article, we presented some good ideas how to compare insurance prices online. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. You may be surprised to find that the lowest rates come from the smaller companies. Regional companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

As you restructure your insurance plan, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice physical damage coverage and discovered at claim time that it was a big mistake. Your focus should be to purchase plenty of coverage for the lowest price while still protecting your assets.

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