Save on 2015 Acura RLX Car Insurance Rates

Want the cheapest auto insurance rates for your Acura RLX? Sick and tired of trying to scrape together enough money to buy car insurance? You are in the same boat as millions of other consumers.

Because there are so many companies and agents to choose from, it’s difficult to locate the most cost effective insurer.

How to reduce Acura RLX insurance rates

Car insurance can cost a lot, but you can get discounts that can drop the cost substantially. Certain discounts will be applied when you purchase, but a few need to be inquired about before being credited.

  • Distant Student – Any of your kids who live away from home and don’t have a car can receive lower rates.
  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education in school.
  • Memberships – Belonging to a qualifying organization could trigger savings when buying insurance for RLX coverage.
  • Save over 55 – If you’re over the age of 55, you may be able to get a discount up to 10% for RLX coverage.
  • Anti-theft System – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Accident Forgiveness – Some insurance companies will forgive one accident before raising your premiums so long as you haven’t had any claims prior to the accident.

It’s important to note that some credits don’t apply the the whole policy. Most only reduce specific coverage prices like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, it just doesn’t work that way. But all discounts will cut your overall premium however.

Companies that possibly offer some of the above discounts are:

Before buying, ask each company how you can save money. Some discounts might not be offered everywhere.

Why you might be paying too much to insure your Acura RLX

It’s important that you understand the different types of things that come into play when calculating the price you pay for auto insurance. Knowing what influences your rates helps enable you to make changes that may reward you with better auto insurance rates.

  • Policy add-ons can waste money – There are many extra bells and whistles that can waste your money on your auto insurance policy. Coverages like vanishing deductibles, accident forgiveness and membership fees may be wasting your money. These may sound like a good investment at first, but your needs may have changed so get rid of them and save.
  • Better crash test results mean better rates – Cars with high safety ratings get lower rates. Safer cars reduce injuries and fewer injuries translates into savings for insurance companies passed on to you as lower rates. If your Acura RLX has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Where you live can impact rates – Residing in less populated areas can save you money when buying auto insurance. Drivers in populated areas have to deal with traffic congestion and much longer commute distances. Lower population translates into fewer accidents and also fewer theft and vandalism claims.
  • Being married can save on auto insurance – Having a spouse can get you a discount when buying auto insurance. Marriage means you’re more mature than a single person and statistics show married couples file fewer claims.
  • Don’t cancel a policy without a new one in place – Not having insurance is a misdemeanor and auto insurance companies will penalize you for letting your coverage have a gap. And not only will your rates increase, getting caught without coverage may earn you a steep fine or even jail time.You may need to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Don’t sacrifice liability coverage – Liability insurance will protect you when you are found to be at fault for damages caused by your negligence. Liability provides you with a defense in court 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 – A bad driving record has a huge affect on how much you pay. Even one citation can increase rates by as much as thirty percent. Good drivers have lower premiums compared to drivers with tickets. If you have flagrant violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form with their state DMV in order to keep their license.
  • Equipment add-ons that lower auto insurance rates – Purchasing a vehicle with an alarm system can help lower your rates. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.

Tailor your coverage to you

When buying the right insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. These are some specific questions might help in determining if your situation will benefit from professional help.

  • Why does it cost so much to insure a teen driver?
  • Should I carry comprehensive and collision coverage?
  • Am I covered if I hit a deer?
  • Am I covered when using my vehicle for business?
  • Will filing a claim cost me more?
  • Do I have coverage when using my vehicle for my home business?
  • Does coverage extend to a rental car in a foreign country?
  • What exactly is covered by my policy?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Auto insurance myths debunked

Auto insurance companies such as Allstate and Progressive regularly use television and radio advertisements. They all seem to make the same claim that you’ll save big if you move your coverage to them. How can each company make almost identical claims?

All the different companies have a certain “appetite” for the right customer they prefer to insure. For instance, a driver they prefer could possibly be between the ages of 40 and 55, has no driving citations, and has a short commute. A customer getting a price quote that hits that “sweet spot” will qualify for the lowest rates and most likely will pay quite a bit less when switching companies.

Potential customers who do not match these standards will have to pay a more expensive rate and ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” not “everyone that quotes” save that kind of money. This is how insurance companies can advertise the savings.

Because of the profiling, drivers must quote coverage with many companies. It’s impossible to know the company that will give you the biggest savings on Acura RLX insurance.

Coverages available on your policy

Understanding the coverages of a insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages offered by insurance companies.

Comprehensive coverages

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, theft, vandalism and damage from a tornado or hurricane. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as surgery, dental work, funeral costs, doctor visits and EMT expenses. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability coverage

Liability insurance protects you from injuries or damage you cause to a person or their property. It protects you from legal claims by others. 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. As an example, you may have limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as structural damage, court costs and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage

This will pay to fix damage to your RLX resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a ditch, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Acura RLX.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Best coverage at the best price

As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. In too many instances, an insured dropped full coverage to discover at claim time that they should have had better coverage. Your focus should be to buy the best coverage you can find at the best price.

Cost effective 2015 Acura RLX insurance can be purchased from both online companies and also from your neighborhood agents, and you should compare price quotes from both to have the best selection. Some insurance providers may not provide the ability to get a quote online and these small insurance companies work with independent agents.

In this article, we presented quite a bit of information on how to get a better price on insurance. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from an unexpected company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as Progressive and Geico.

More tips and info about auto insurance is available at these sites: