Lower Your 2011 Acura RDX Insurance Cost

Finding cheaper insurance for a new or used Acura RDX can be an all-consuming task, but you can learn our car insurance buying tips to save time.

There are both good and bad ways to compare car insurance rates and we’ll show you the absolute fastest way to quote coverages for your Acura and locate the lowest possible price either online or from local insurance agents.

Smart consumers take time to compare rates every six months because prices trend upward over time. Even if you got the best rates for RDX coverage a year ago you may be paying too much now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to how to quote online to buy cheaper car insurance.

If you are insured now or need new coverage, you can follow these tips to shop for the lowest rates while maintaining coverages. Shopping for the lowest cost coverage is simple if you know the tricks. Drivers just need to learn the tricks to compare company rates online.

Parts of the Acura RDX rate equation

An important part of buying insurance is that you know the rating factors that go into determining insurance rates. Understanding what influences your rates helps enable you to make changes that could result in much lower annual insurance costs.

  • Do you have enough liability coverage? – Liability insurance is the protection when a jury decides you are liable for damages caused by your negligence. Liability insurance provides legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.
  • Tickets mean higher rates – Only having one moving violation can increase rates by as much as thirty percent. Good drivers get better rates than their less careful counterparts. Drivers with dangerous tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
  • Sex matters – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean women are better drivers. They both cause accidents at about the same rate, but the men tend to have more serious accidents. Men also statistically get cited for more serious violations like reckless driving and DUI.
  • Your location affects your rates – Living in small towns and rural areas can be a good thing when buying insurance. City drivers regularly have much more traffic and longer commute times. Lower population translates into fewer accidents.
  • Do you work long hours in a high stress job? – Occupations such as judges, executives and financial analysts are shown to have higher average rates due to high stress and lots of time spent at work. Conversely, occupations such as pilots, engineers and the unemployed pay the least for RDX coverage.
  • Do you know your deductibles? – The deductibles define the amount you are willing to pay if you file a covered claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims are running into the backend of another car, collision with an animal, and rolling your vehicle. The higher the amount you have to pay, the less your insurance will be for RDX coverage.
  • Do you need the policy add-ons? – There are a ton of extra coverages that you can get tricked into buying on your insurance policy. Coverages for personal injury protection, accidental death and membership fees are examples of these. They may seem like a good idea initially, but your needs may have changed so eliminate them to save money.

Comprehensive Insurance Comparison Quotes

Reducing your 2011 Acura RDX insurance rates can be quick and easy. All you need to do is take the time comparing rate quotes provided by online insurance companies. This can be done in a couple of different ways.

  1. The recommended way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This form prevents you from having to do repetitive form entry for every insurance company. One quote request compares rates from many national carriers. Recommended for those who want to invest the least amount of time.
  2. A less efficient way to compare prices is going to each individual company website to complete a price quote. For sake of this example, we’ll assume you want rates from State Farm, Liberty Mutual and Geico. You would have to go to every website to enter your coverage information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The least efficient way of getting rate comparisons is to waste gas driving to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you have a need for the professional guidance of a local agent. Drivers can price shop online but buy from a local insurance agent and we’ll cover that in a bit.

It doesn’t matter which method you choose, just make absolute certain that you use apples-to-apples coverages for every company. If you compare different liability limits then you won’t be able to determine the lowest rate for your Acura RDX.

Do drivers who switch really save?

Consumers constantly see and hear ads for cheaper car insurance from the likes of State Farm, Allstate and Geico. All the ads make an identical promise that you can save if you change your coverage to them.

How do they all make almost identical claims?

All the different companies are able to cherry pick for the right customer they prefer to insure. For instance, a preferred risk could be between the ages of 30 and 50, is a homeowner, and has a high credit rating. Any driver who fits that profile receives the best rates and as a result will probably save quite a bit of money when switching.

Potential customers who fall outside the “perfect” profile must pay higher prices which leads to business not being written. The ads say “customers who switch” but not “drivers who get quotes” save that kind of money. This is how insurance companies can make those claims.

This illustrates why you absolutely need to compare many company’s rates. It’s impossible to know the company that will have the lowest Acura RDX insurance rates.

Pay less for Acura RDX insurance

Car insurance is not cheap, but there could be available discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time of purchase, but a few must be requested specifically in order for you to get them. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Acura can qualify you for a substantially lower rate.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for RDX coverage than drivers with accidents.
  • Accident Free – Drivers with accident-free driving histories pay less when compared to frequent claim filers.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • One Accident Forgiven – Some insurance companies will forgive one accident before your rates go up if your claims history is clear for a set time period.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, companies wouldn’t make money that way. But any discount will cut your overall premium however.

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

Tailor your coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

These are some specific questions might point out if your situation will benefit from professional help.

  • When should I remove comp and collision on my 2011 Acura RDX?
  • Do I pay less for low miles?
  • Do I have any recourse if my insurance company denies a claim?
  • When would I need rental car insurance?
  • What are the financial responsibility laws in my state?
  • When do I need to add a new car to my policy?

If it’s difficult to answer those questions then you might want to talk to an 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 may give you better protection.

Auto insurance policy specifics

Having a good grasp of auto insurance aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Liability car insurance

This protects you from injuries or damage you cause to other people or property. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as pain and suffering, funeral expenses and repair costs for stationary objects. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Comprehensive insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a bird, vandalism and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for immediate expenses like doctor visits, funeral costs, X-ray expenses and EMT expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Collision protection

Collision coverage pays for damage to your RDX caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, crashing into a building, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Acura RDX.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits are similar to your liability insurance amounts.

A little work can save a LOT of money

Cheap 2011 Acura RDX insurance can be bought online and with local insurance agents, and you should be comparing both to have the best rate selection. Some insurance providers do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

We just covered a lot of ways to reduce insurance prices online. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. You may even discover the biggest savings come from some of the smallest insurance companies.

While you’re price shopping online, do not buy poor coverage just to save money. There are too many instances where drivers have reduced full coverage and learned later that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage at the best price while not skimping on critical coverages.

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