Lower Your 2018 Acura RLX Car Insurance Quotes

I can’t think of a single person who is fond of buying car insurance, especially when they could get a better deal. Drivers have so many insurance companies to insure vehicles with, and although it’s a good thing to have multiple companies, it makes it harder to compare rates.

It’s a great practice to check car insurance prices periodically because insurance prices change frequently. Even if you think you had the best price for RLX coverage a couple years back the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to how to use online quotes to properly buy coverages while reducing your premium.

Buying car insurance is not that difficult. If you have car insurance now, you should be able to reduce your rates substantially using these techniques. Drivers just need to understand the proper way to buy insurance online.

Where can I get the cheapest insurance coverage?

Finding low cost insurance coverage rates is surprisingly easy. The only thing you need to do is take the time comparing free insurance quotes from some recommended companies. This can be done in just a few minutes using one of these methods.

  • The most recommended method to get quotes is an all-inclusive rate comparison like this one (opens in new window). This quick form saves time by eliminating separate quotes for each company you want a rate for. Taking the time to complete one form gets coverage cost estimates from all major companies.
  • A more time consuming way to analyze rates is spending the time to visit the website for each individual company and complete a new quote form. For example, we’ll assume you are doing a rate comparison from Nationwide, 21st Century and Geico. You would have to spend time going to each site individually and punch in your information repeatedly, which can get rather old.

    For a list of links to insurance companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but ensure you are comparing apples-to-apples coverage limits on every quote you get. If you enter unequal deductibles or liability limits it will be nearly impossible to determine which rate is truly the best.

Lower rates by qualifying for discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that may help make it more affordable. Certain reductions will be credited at the time of quoting, but some may not be applied and must be specially asked for before you get the savings.

  • Student Discount for Driver Training – It’s a good idea to have your young drivers participate in a local driver’s education class in school or through a local driver safety program.
  • Early Renewal Discounts – Some insurance coverage companies provide a discount for buying a new policy before your current expiration date. This can save 10% or more.
  • Memberships – Being a member of a professional or civic organization can get you a small discount when shopping for insurance coverage.
  • Federal Government Employee – Having worked for a branch of the government can earn a discount up to 10% for RLX coverage with some insurance coverage companies.
  • E-sign – Some companies will give a small break for buying your policy digitally online.
  • Senior Citizen Rates – Older drivers are able to get a discount up to 10% for RLX coverage.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you may earn at least 10% off all policies.

Discounts lower rates, but most discount credits are not given to the entire cost. A few only apply to individual premiums such as comp or med pay. Despite the fact that it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

The best insurance coverage companies and some of their more popular discounts are:

  • State Farm offers discounts including student away at school, multiple autos, passive restraint, good driver, and multiple policy.
  • Farmers Insurance offers premium reductions for good student, early shopping, alternative fuel, mature driver, pay in full, and business and professional.
  • Geico has discounts for seat belt use, five-year accident-free, anti-lock brakes, anti-theft, federal employee, and driver training.
  • American Family may offer discounts for accident-free, early bird, Steer into Savings, mySafetyValet, good student, and air bags.
  • Nationwide may include discounts for anti-theft, multi-policy, Farm Bureau membership, family plan, and good student.
  • Progressive policyholders can earn discounts including multi-vehicle, online signing, good student, online quote discount, continuous coverage, and homeowner.

When getting free insurance quotes, it’s a good idea to every prospective company which discounts you qualify for. Some credits might not be offered in your area. For a list of insurance companies with discount rates, click this link.

Insurance coverage is unique, just like you

When buying coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. These are some specific questions may help you determine whether or not you could use an agent’s help.

  • Will filing a claim cost me more?
  • Does my insurance cover a custom paint job?
  • When should my teen driver be added to my policy?
  • Can I rent a car in Mexico?
  • Do I need added coverage for expensive stereo equipment?
  • Is there coverage for injuries to my pets?
  • Do all my vehicles need collision coverage?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and can help protect your family.

Insurance coverages explained

Knowing the specifics of insurance can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages found on the average insurance policy.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for bills for funeral costs, dental work, X-ray expenses and hospital visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Liability

Liability coverage provides protection from damage or injury you incur to people or other property. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as legal defense fees, repair costs for stationary objects and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Comprehensive (Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, hitting a deer, damage from getting keyed, rock chips in glass and damage from flooding. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Acura RLX.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Collision protection

Collision insurance covers damage to your RLX resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like colliding with a tree, scraping a guard rail and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.