2015 Acura RDX Car Insurance Cost – 9 Ideas for Best Prices

I can’t think of anyone who enjoys paying for insurance, in particular when the cost is way too high.

Companies like Geico, Progressive and Allstate persitently shower you with TV and radio ads and it can be hard to ignore the propoganda and effectively compare rates to find the best deal.

Pay less for Acura RDX insurance

Companies don’t always publicize all available discounts in an easy-to-find place, so here is a list both well-publicized and also the lesser-known car insurance savings.

  • Paperless Signup – Certain companies will give a small break simply for signing over the internet.
  • Multi-policy Discount – If you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on RDX insurance with certain companies.
  • Resident Student – Any of your kids who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
  • Accident Forgiveness – A few companies will forgive one accident before raising your premiums if your claims history is clear for a set time period.
  • Memberships – Belonging to a professional or civic organization could trigger savings on car insurance on RDX insurance.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Low Mileage Discounts – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.

Keep in mind that most credits do not apply the the whole policy. Most cut individual premiums such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, it just doesn’t work that way.

Insurance companies who might offer these benefits include:

Check with each company which discounts you may be entitled to. All car insurance discounts may not apply in your state.

Tailor your coverage to you

When buying adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. For example, these questions may help highlight if your situation would benefit from professional advice.

  • Is there coverage for injuries to my pets?
  • How much liability coverage do I need in my state?
  • What is medical payments coverage?
  • Is my teen driver covered when they drive my company car?
  • Can my babysitter drive my car?
  • When can my company non-renew my policy?
  • Can I afford to buy a different vehicle if my 2015 Acura RDX is totaled?
  • Do I have any recourse if my insurance company denies a claim?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance specifics

Having a good grasp of auto insurance can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most auto insurance policies.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for immediate expenses for X-ray expenses, ambulance fees, EMT expenses and nursing services. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability coverage can cover damage that occurs to people or other property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like pain and suffering, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection 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 only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive insurance

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as vandalism, damage from flooding, rock chips in glass and damage from getting keyed. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision insurance

Collision coverage covers damage to your RDX from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as rolling your car, driving through your garage door, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Better coverage you can count on

As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. There have been many cases where an insured dropped physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your strategy should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

We covered many tips how you can shop for 2015 Acura RDX insurance online. The most important thing to understand is the more price quotes you have, the better likelihood of reducing your rate. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising. They can often insure niche markets at a lower cost compared to the large companies like Geico and State Farm.

Discount insurance can be bought on the web in addition to many insurance agents, so you should compare both to have the best rate selection. A few companies do not provide online quoting and many times these smaller companies only sell through independent insurance agents.

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