2014 Acura RLX Car Insurance Quotes

Searching for lower insurance coverage rates for your Acura RLX? Locating low-cost insurance for a new or used Acura RLX could be a painful process, but you can use a few tricks and make it easy.

There is a better way to buy insurance coverage so you’re going to learn the best way to compare rates for a new or used Acura and locate the lowest possible price from local insurance agents and online providers.

It’s a good habit to compare rates before your policy renews due to the fact that insurance rates are variable and change quite frequently. Just because you found the best deal for RLX insurance a few years ago you may be paying too much now. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to the best way to eliminate unnecessary coverages and save money.

Vehicle Insurance Comparison

Comparing auto insurance rates can be a daunting task if you don’t utilize the fastest way to get free quotes. You could spend your day discussing policy coverages with local insurance agents in your area, or you can stay home and use the internet to get pricing more quickly.

Many insurance companies participate in a marketplace where insurance shoppers submit one quote, and at least one company provides a quote for coverage. This saves time by eliminating quote forms for each company. To participate in this free quote system, click here to start a free quote.

The single downside to using this type of system is that you can’t choose the companies to receive prices from. So if you prefer to pick individual companies to compare rates, we have a page of low cost auto insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just make darn sure you compare exactly the same deductibles and coverage limits with every price quote. If your comparisons have unequal deductibles or liability limits it will be next to impossible to determine the lowest rate for your Acura RLX.

The auto insurance bait and switch

Consumers can’t ignore all the ads for car insurance savings from companies such as Progressive, Allstate and Geico. All the ads make the same claim that you can save if you move your policy.

How can each company make the same claim?

All companies are able to cherry pick for the type of customer that earns them a profit. A good example of a desirable insured might be profiled as between 25 and 40, is a homeowner, and drives newer vehicles. A customer getting a price quote that hits that “sweet spot” will get very good rates and most likely will cut their rates substantially.

Drivers who don’t meet these standards will be quoted higher premiums which leads to business not being written. Company advertisements say “drivers who switch” not “people who quote” save money. That’s the way companies can truthfully state the savings.

This emphasizes why it is so important to get a wide range of price quotes. It’s just too difficult to predict which company will provide you with the cheapest Acura RLX insurance rates.

Acura RLX premiums are determined by many factors

An important part of buying insurance is that you know the rating factors that help determine insurance coverage rates. Knowing what impacts premium levels allows you to make educated decisions that will entitle you to lower insurance coverage prices.

  • Men fork out a little more – Statistics show women are more cautious behind the wheel. Now that doesn’t mean men are WORSE drivers than women. They both cause accidents in similar percentages, but men tend to have more serious accidents. Men also get cited for more serious violations like reckless driving and DUI.
  • Lower miles equals lower premium – The more you drive each year the higher your rate. Most insurance companies rate vehicles based on how the vehicle is used. Vehicles used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. Double check that your insurance coverage policy properly reflects the correct driver usage, because improper ratings can cost you money. If your policy improperly rates your RLX can result in significantly higher rates.
  • Occupation reflects on rates – Did you know that where you work can have an impact on rates? Jobs such as doctors, social workers and dentists have the highest average rates attributed to high stress and long work hours. Other professions such as scientists, historians and performers get better rates for RLX insurance.
  • More people means more accidents – Living in less populated areas is a positive aspect when it comes to insurance coverage. Fewer people translates into fewer accidents and a lower car theft rate. Urban drivers have to deal with more traffic problems and longer commute times. More time on the road means higher likelihood of an accident.
  • More claims means more premium – If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Auto insurance companies provide lower rates to insureds who do not file claims often. Car insurance is intended for major claims that would cause financial hardship.
  • Optional equipment can affect rates – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
  • Better credit scores mean better rates – A driver’s credit score is a important factor in your rate calculation. If your credit score is lower than you’d like, you could pay less to insure your 2014 Acura RLX by improving your credit score. Consumers who have high credit scores tend to be less risk to insure than drivers with poor credit.

Discounts are basically free money

Insuring your vehicles can cost a lot, but you may find discounts to help bring down the price. Some trigger automatically when you get a quote, but some must be requested specifically in order for you to get them. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Accident Free – Claim-free drivers can save substantially when compared to bad drivers.
  • Defensive Driving Course – Successfully completing a defensive driving course could save 5% or more if you qualify.
  • Senior Discount – Older drivers can possibly qualify for better insurance rates for RLX insurance.
  • Club Memberships – Participating in certain professional organizations may earn a discount when shopping for insurance for RLX insurance.
  • Student Driver Training – Have your child complete a driver education course if offered at their school.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.

It’s important to note that some credits don’t apply to the entire policy premium. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, companies don’t profit that way. Any qualifying discounts will cut the amount you have to pay.

For a list of providers who offer insurance discounts, follow this link.

Which insurance is the “right” coverage?

When choosing the best auto insurance coverage for your personal vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions could help you determine whether you would benefit from an agent’s advice.

  • Are my friends covered when driving my car?
  • Do I need added coverage for expensive stereo equipment?
  • How much liability coverage do I need in my state?
  • Should I buy additional glass protection?
  • Do I need more liability coverage?
  • How many claims can I have before being cancelled?
  • What is an SR-22 filing?
  • Is my camper covered by my car insurance policy?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Educate yourself about insurance coverages

Understanding the coverages of your insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Collision insurance

This coverage covers damage to your RLX caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as driving through your garage door, colliding with a tree, hitting a mailbox and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Acura RLX.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive auto coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from flooding, vandalism, a broken windshield, rock chips in glass and hail damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages

Liability insurance provides protection from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as emergency aid, legal defense fees and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like hospital visits, rehabilitation expenses, dental work and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

More effort can pay off

Lower-priced 2014 Acura RLX insurance can be bought online as well as from independent agents, so you should compare both to have the best chance of lowering rates. A few companies don’t offer online quoting and these small, regional companies work with independent agents.

Consumers who switch companies do it for many reasons like high rates after DUI convictions, high prices, lack of trust in their agent and being labeled a high risk driver. Regardless of your reason for switching companies, choosing a new company can be pretty painless.

We’ve covered many tips how you can shop for insurance online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may even find the lowest priced car insurance comes from the smaller companies.

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