2010 Acura RDX Car Insurance Rates – 10 Savings Tips

Looking for lower insurance coverage rates for your Acura RDX? Have you fallen victim to overpriced insurance coverage? Believe me when I say there are many people just like you.

Numerous auto insurance companies battle for your business, and because of this it can be hard to compare car insurance companies to find the lowest rate possible.

Consumers should take time to compare prices every six months since rates tend to go up over time. Just because you had the best price for RDX coverage a few years ago other companies may now be cheaper. You can find a lot of wrong information about insurance coverage on the web, but I’m going to show you a lot of great tips on how to find cheap insurance coverage.

Comprehensive Insurance Coverage Comparison

When shopping for insurance coverage there are multiple ways to compare rate quotes and find the best price. The easiest way to compare 2010 Acura RDX insurance prices consists of shopping online. It is quite easy and can be accomplished in several different ways.

  • The most efficient way consumers can analyze rates is a comparison rater form click to view form in new window. This type of form prevents you from having to do boring form submissions for each company. Completing one form will return price quotes from many national carriers.
  • A more time consuming way to compare rate quotes is going to each individual company website to complete a price quote. For examples sake, we’ll assume you want to compare rates from Farmers, Progressive and Allstate. You would have to take the time to go to each site and enter your policy data, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.
  • The least recommended method to get comparison rates is driving to insurance agents’ offices. The internet can eliminate the need for a local agent unless you have a need for the trained guidance of a licensed agent. However, consumers can compare online quotes but still have the advice of a local agent and you’ll learn how to do that later.

However you get your quotes, ensure you are comparing the exact same information for every quote you compare. If you have different deductibles it will be next to impossible to make an equal comparison. Slightly different coverages may result in large price differences. Keep in mind that more quotes helps locate lower pricing.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, but there could be available discounts to reduce the price significantly. Some discounts apply automatically when you purchase, but some may not be applied and must be specially asked for prior to getting the savings.

  • Accident Free – Drivers who don’t have accidents pay much less when compared to drivers who are more careless.
  • Sign Online – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy online.
  • Auto/Life Discount – Some companies give a break if you buy auto and life insurance together.
  • Bundle and Save – When you have multiple policies with the same insurance company you will save approximately 10% to 15%.
  • New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Passive Restraint Discount – Vehicles with factory air bags can get savings of up to 25% or more.
  • Discount for Swiching Early – Some companies give discounts for switching policies before your current expiration date. The savings is around 10%.
  • Good Student – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.

Keep in mind that most discounts do not apply the the whole policy. A few only apply to the price of certain insurance coverages like comp or med pay. Just because you may think you could get a free insurance coverage policy, companies don’t profit that way. But all discounts will cut the amount you have to pay.

A partial list of companies that may offer these money-saving discounts include:

Before buying, ask every prospective company how you can save money. Discounts may not be available in your area.

How do I know if I need professional advice?

When it comes to buying the right insurance coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if your insurance needs would benefit from professional advice.

  • What discounts do I qualify for?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I waive the damage coverage when renting a car?
  • Is my babysitter covered when using my vehicle?
  • When should I remove comp and collision on my 2010 Acura RDX?
  • How high should deductibles be on a 2010 Acura RDX?
  • What should my uninsured motorist coverage limits be in my state?
  • Can my teen drive my company car?
  • What is an SR-22 filing?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Car insurance coverages 101

Knowing the specifics of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages available from car insurance companies.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like fire damage, a tree branch falling on your vehicle, vandalism and hail damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical costs insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses such as hospital visits, prosthetic devices and funeral costs. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Liability coverages

Liability coverage provides protection from damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like medical services, emergency aid and structural damage. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

UM/UIM Coverage

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision protection

Collision insurance covers damage to your RDX caused by collision with an object or car. 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 driving through your garage door, backing into a parked car and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

In the end, you save

When buying insurance coverage, never buy poor coverage just to save money. There are too many instances where drivers have reduced liability coverage limits to discover at claim time that it was a big error on their part. Your aim should be to purchase a proper amount of coverage at the best price.

Discount 2010 Acura RDX insurance is attainable both online in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. A few companies do not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

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