View 2014 Acura RDX Insurance Rates

Shoppers have many options when shopping for affordable Acura RDX insurance. They can either waste time contacting agents to get rate comparisons or utilize the internet to make rate comparisons.

There are both good and bad ways to compare insurance coverage rates and we’ll show you the quickest way to compare rates for a new or used Acura and obtain the best price possible either online or from local insurance agents.

It’s a good idea to take a look at other company’s rates occasionally due to the fact that insurance rates trend upward over time. Even if you got the best deal on RDX coverage a year ago other companies may now be cheaper. Starting right now, ignore everything you know about insurance coverage because you’re going to learn the best way to find better rates and still maintain coverage.

Do you qualify for a discount?

Car insurance can cost a lot, buy you may qualify for discounts that can drop the cost substantially. Some trigger automatically when you get a quote, but a few must be requested specifically before you will receive the discount. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Multiple Vehicles – Insuring multiple vehicles on one policy qualifies for this discount.
  • New Vehicle Savings – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • No Claims – Drivers with accident-free driving histories pay less when compared with drivers who are more careless.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Resident Student – Any of your kids who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Save over 55 – Mature drivers may receive reduced rates on RDX coverage.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Multi-policy Discount – When you combine your home and auto insurance with one insurance company you may earn approximately 10% to 15%.

Keep in mind that most discounts do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as medical payments or collision. Just because it seems like adding up those discounts means a free policy, you won’t be that lucky. But any discount will cut your overall premium however.

Insurance companies that possibly offer these benefits include:

Double check with every prospective company which discounts you may be entitled to. Some discounts might not apply in your area.

Elements that influence Acura RDX insurance rates

It’s important that you understand the factors that go into determining your insurance coverage rates. When you know what positively or negatively determines base rates enables informed choices that can help you get much lower annual insurance costs.

Listed below are a partial list of the pieces insurance coverage companies consider when setting your rates.

  • Battle of the sexes – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. Men and women are in accidents in similar percentages, but the male of the species cause more damage. Men also tend to have more aggressive citations like reckless driving and DUI. Teenage male drivers are most likely to cause an accident and therefore are the most expensive to insure.
  • Marriage pays dividends – Getting married actually saves money when buying insurance coverage. Having a significant other usually means you are more mature than a single person and it’s proven that drivers who are married are more cautious.
  • Do you need those extra coverages? – There are many extra bells and whistles that you can buy when buying insurance coverage. Things like roadside assistance, towing coverage and motor club memberships may be costing you every month. These may sound like a good investment initially, but if you don’t need them remove them from your policy.
  • Do you qualify for a multi-policy discount? – Many insurance companies will award you with lower prices to insureds who carry more than one policy in the form of a multi-policy discount. Even if you’re getting this discount you may still want to compare other company rates to verify if the discount is saving money.
  • Lower rates with optional equipment – Owning a car that has an advanced theft prevention system can save you a little every year. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft.
  • Teen drivers pay high rates – Older drivers tend to be more responsible, file fewer claims and are safer drivers. Young drivers are statistically proven to be careless and easily distracted behind the wheel therefore insurance coverage rates are much higher.

What coverages do I need?

When it comes to buying coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine if your insurance needs might need professional guidance.

  • When should I not file a claim?
  • Will my insurance pay for OEM parts?
  • Do I really need UM/UIM coverage?
  • When does my teenage driver need to be added to my policy?
  • At what point should I drop full coverage?
  • Am I covered if I hit a deer?
  • How high should my medical payments coverage be?
  • When should I buy a commercial auto policy?
  • Exactly who is provided coverage by my policy?
  • I have good health insurance, so how much medical payments coverage do I need?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Insurance coverages 101

Knowing the specifics of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as pain medications, chiropractic care, nursing services, surgery and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Auto liability insurance

Liability insurance will cover damage that occurs to other people or property. It protects YOU against claims from other people, and does not provide coverage for 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. You might see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like medical services, funeral expenses, emergency aid and loss of income. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Comprehensive coverages

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a deer, damage from getting keyed, damage from flooding, falling objects and hitting a bird. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision protection

Collision coverage will pay to fix damage to your RDX resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like backing into a parked car, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these limits are identical to your policy’s liability coverage.

Affordable insurance is out there

As you go through the steps to switch your coverage, don’t be tempted to buy less coverage just to save a little money. Too many times, consumers will sacrifice comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage at a price you can afford, not the least amount of coverage.

Discount 2014 Acura RDX insurance is available from both online companies 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 online price quotes and most of the time these smaller companies sell through independent agents.

Drivers who switch companies do it for a variety of reasons including being labeled a high risk driver, delays in responding to claim requests, an unsatisfactory settlement offer or even lack of trust in their agent. Regardless of your reason for switching companies, switching companies can be easy and end up saving you some money.

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