Save on 2009 Acura RDX Car Insurance Rates

Trying to find better insurance prices for an Acura RDX can normally be difficult, but you can use the following methods to save time.

There is a better way to compare auto insurance rates and you need to know the quickest way to get price quotes on a Acura and obtain the lowest possible price from local insurance agents and online providers.

Buying the cheapest protection is easy if you know what you’re doing. If you have a policy now or are shopping for new coverage, you can learn to shop for the lowest rates and still get good coverage. Vehicle owners only need to know the proper way to shop their coverage around on the web.

How to Compare Insurance Coverage

Most companies like Allstate and Progressive provide insurance quotes on their websites. This process is fairly straightforward as you simply enter your coverage preferences into a form. Once you submit the form, the system pulls your driving and credit reports and returns pricing information based on these and other factors.

This simplifies rate comparisons, but having to visit several different sites and complete many quote forms gets old quite quickly. Unfortunately, it is important to do this in order to find the lowest insurance coverage rates.

Quote rates the easy way

A more efficient way to lower your insurance coverage bill is to use a quote form that analyzes rates from many companies. The form is fast, requires less work, and makes rate comparisons much more enjoyable and efficient. After sending your information, your coverage is rated and you can choose any of the quotes that you receive.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. The whole process takes 15 minutes at the most and you will know how your current rates stack up.

To quickly find out what other companies charge, simply click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you enter coverages and limits exactly as shown on your declarations page. This helps ensure you are getting an apples-to-apples comparison for similar coverage.

Take advantage of discounts

Properly insuring your vehicles can get expensive, but there are discounts available to reduce the price significantly. Most are applied when you get a quote, but less common discounts must be specially asked for before you get the savings. If you don’t get every credit you deserve, you are paying more than you should be.

  • Resident Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. This discount can apply until age 25.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Paperwork-free – A few companies will give a small break for buying your policy over the internet.
  • No Claims – Drivers with accident-free driving histories can earn big discounts compared to frequent claim filers.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings up to 30%.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Most only apply to individual premiums such as medical payments or collision. So even though they make it sound like you could get a free auto insurance policy, companies don’t profit that way. But all discounts will reduce your overall premium however.

For a list of insurers who offer auto insurance discounts, click here.

Factors that can influence insurance rates for an Acura RDX

It’s important that you understand the factors that come into play when calculating insurance coverage rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that can help you get better insurance coverage rates.

  • Don’t sacrifice liability coverage – Your policy’s liability coverage will protect you if you are found liable for personal injury or accident damage. Liability insurance provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Better crash test results mean better rates – Vehicles with high crash test scores get lower rates. The safest vehicles result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims and lower rates for you. If your Acura earned at least four stars on Safercar.gov it may be receiving lower rates.
  • With age comes lower rates – Older drivers are more responsible, statistically cause fewer accidents and receive fewer citations. Young drivers are statistically proven to get distracted easily behind the wheel and because of this, their insurance coverage rates are much higher.
  • Where do you drive? – The more you drive in a year the higher your rates will be. Most insurance companies charge to insure your cars based on their usage. Cars not used for work or commuting can get a lower rate than vehicles that are driven to work every day. An improperly rated RDX can result in significantly higher rates. Ask your agent if your insurance coverage policy is showing the correct driver usage, because it can save money.
  • Never go without insurance – Having an insurance coverage lapse will be a quick way to bump up your insurance coverage costs. Not only will rates go up, but not being able to provide proof of insurance may earn you a license revocation or jail time.
  • Marriage brings a discount – Having a spouse can get you a discount on your policy. Having a significant other translates into being more mature and responsible and it’s proven that being married results in fewer claims.
  • Traffic citations inflate rates – Careful drivers tend to pay less for car insurance than their less careful counterparts. Even one citation can boost insurance rates twenty percent or more. Drivers with dangerous tickets like reckless driving, hit and run or driving under the influence are required to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.

How to know if you need help

When it comes to choosing coverage, there isn’t really a one size fits all plan. Every situation is different.

For instance, these questions can help discover if your situation will benefit from professional help.

  • Do I need an umbrella policy?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I covered when driving in Canada or Mexico?
  • Are split liability limits better than a combined single limit?
  • Is a fancy paint job covered?
  • What is UM/UIM insurance?
  • Do I need PIP coverage since I have good health insurance?
  • What is an SR-22 filing?
  • Should I buy full coverage?
  • How much can I save by bundling my policies?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Car insurance coverage considerations

Knowing the specifics of your policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage

Comprehensive insurance 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 coverage protects against claims such as a broken windshield, hitting a bird and falling objects. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses for X-ray expenses, doctor visits, rehabilitation expenses and pain medications. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability coverages

Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU against other people’s claims, and 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 $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as attorney fees, legal defense fees, medical expenses, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto collision coverage

This coverage pays for damage to your RDX resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, damaging your car on a curb, colliding with a tree, sustaining damage from a pot hole and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

One last thing about your coverage

Affordable 2009 Acura RDX insurance is definitely available on the web in addition to many insurance agents, and you should be comparing both to have the best rate selection. There are still a few companies who do not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

We just presented many ways to shop for insurance online. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. Consumers may even find the biggest savings come from some of the smallest insurance companies.

As you go through the steps to switch your coverage, it’s not a good idea to buy less coverage just to save a little money. There have been many situations where an insured cut physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

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