Cheap 2007 Acura RDX Insurance Quotes

Want better insurance rates? Drivers have options when trying to find affordable Acura RDX insurance. They can either spend hours calling around to get rate comparisons or leverage the internet to find the lowest rates. There are more efficient ways to shop for insurance and you need to know the proper way to get price quotes for your Acura and get the lowest price from both online companies and local agents.

It’s smart to do price comparisons before your policy renews because insurance prices change quite often. Even if you think you had the lowest price for RDX coverage last year the chances are good that you can find a lower rate quote today. Ignore everything you know about insurance because you’re about to learn the things you must know in order to find great coverage at a great price.

If you have a current auto insurance policy or are just looking to switch companies, you will benefit by learning to shop for the lowest rates while maintaining coverages. The purpose of this article is to tell you how to get online quotes. Drivers only need an understanding of the tricks to compare prices online.

Informed consumers can reduce their insurance premiums

It’s important that you understand a few of the rating criteria that are used to determine your insurance rates. If you have some idea of what impacts premium levels, this enables informed choices that can help you get big savings.

• Do safer cars cost less to insure? – Vehicles that have high safety ratings tend to be cheaper to insure. Vehicles engineered for safety reduce occupant injuries and reduced instances of injuries means lower claim amounts and lower rates for you. If your Acura RDX scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
• Good drivers pay less – Attentive drivers tend to pay less for car insurance than people who have multiple driving citations. Getting just one driving citation may increase your cost by as much as twenty percent. Drivers who have careless citations like DWI, reckless driving or hit and run convictions are required to submit a SR-22 form with their state in order to prevent their license from being revoked.
• Get married and pay less – Walking down the aisle may earn you lower rates on your insurance bill. It demonstrates that you tend to be more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.
• Older drivers save more – Youthful drivers are statistically proven to be less responsible in a vehicle therefore insurance rates are much higher. Older, more experienced drivers have been proven to be more responsible, tend to cause fewer accidents , and usually have better credit.

Cheap insurance price quotes

There are multiple methods to shop for insurance, but one way is easier and takes less work. You can waste hours discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

Most of the best insurance companies are enrolled in a marketplace that enables customers to submit one quote, and each participating company can provide price quotes based on that information. This system prevents you from having to do form submissions to each individual insurance company.

To participate in this free quote system, click here to open in new window.

The one downside to using this type of system is that consumers can’t choose which insurance companies you want to price. If you wish to select from a list of companies to request quotes from, we put together a list of companies who write insurance in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make sure you are using identical coverages and limits on every quote you get. If you enter different limits and deductibles on each one you will not be able to determine the lowest rate for your Acura RDX.

These discounts can lower insurance coverage rates

Companies don’t list all available discounts in a way that’s easy to find, so here is a list both well-publicized and also the lesser-known savings tricks you should be using when you buy auto insurance online.

• Homeowners Savings – Owning your own home or condo may earn you a small savings since owning and maintaining a home shows financial diligence.
• Switch and Save Discount – A few insurance companies offer discounts for buying a new policy before your current policy expires. It could save around 10% when you buy auto insurance online.
• Federal Employees – Active or retired federal employment may reduce rates when you quote auto insurance for RDX coverage with select insurance companies.
• One Accident Forgiven – Not necessarily a discount, but some companies like State Farm and Allstate permit an accident before they charge you more for coverage so long as you are claim-free for a certain period of time.
• Drivers Education – Have your child enroll in driver’s education in high school.
• Telematics Data Discounts – Insureds that choose to allow their company to scrutinize driving habits by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm might see lower rates if their driving habits are good.
• Military Rewards – Having a deployed family member could trigger a small discount.
• Multiple Cars – Buying coverage for primary and secondary vehicles on one policy can reduce rates for all insured vehicles.

One thing to note about discounts is that most credits do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, you won’t be that lucky.

A list of insurance coverage companies and a selection of discounts can be found below.

• State Farm has savings for driver’s education, student away at school, anti-theft, multiple policy, defensive driving training, and safe vehicle.
• Nationwide may include discounts for accident-free, family plan, multi-policy, anti-theft, and defensive driving.
• Geico may have discounts that include driver training, military active duty, five-year accident-free, membership and employees, defensive driver, and multi-policy.
• AAA discounts include pay-in-full, multi-car, education and occupation, good driver, and good student.
• 21st Century offers premium reductions for air bags, automatic seat belts, homeowners, theft prevention, good student, and student driver.
• The Hartford includes discounts for air bag, driver training, defensive driver, anti-theft, and bundle.

When comparing rates, check with every insurance company to give you their best rates. Some of the discounts discussed earlier may not be offered in your area. If you would like to view insurers that provide some of the discounts listed above, click here to view.

When do I need an agent’s advice?

When it comes to buying coverage, there isn’t really a single plan that fits everyone. Every situation is different.

For instance, these questions may help you determine if you might need an agent’s assistance.

• What is the rate difference between pleasure use and commuting?
• Do I need roadside assistance coverage?
• Why is insurance for a teen driver so high?
• What can I do if my company denied a claim?
• Are split liability limits better than a combined single limit?
• Does my car insurance cover rental cars?
• Do I need replacement cost coverage?
• Do I need an umbrella policy?
• Is extra glass coverage worth it?
• Does my personal policy cover me when driving out-of-state?

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 lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance 101

Knowing the specifics of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Collision insurance

Collision insurance pays for damage to your RDX resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a mailbox, sideswiping another vehicle, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like dental work, X-ray expenses and EMT expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto coverage

This coverage covers 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 can pay for things such as a tree branch falling on your vehicle, damage from getting keyed, vandalism and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Acura RDX.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Auto liability

Liability coverage protects you from damage that occurs to a person or their property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against things such as pain and suffering, attorney fees, loss of income and legal defense fees. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Quote more, save more

We just showed you some good ideas how to get a better price on 2007 Acura RDX insurance. It’s most important to understand that the more rate quotes you have, the better likelihood of getting the cheapest auto insurance. Consumers may even find the lowest rates come from a smaller regional carrier.

Drivers leave their current company for any number of reasons including lack of trust in their agent, policy non-renewal, delays in responding to claim requests and poor customer service. It doesn’t matter why you want to switch finding a new company can be easier than you think.

Some companies do not provide online rate quotes and most of the time these regional carriers only sell through independent insurance agents. Lower-priced 2007 Acura RDX insurance is available online and from local insurance agents, and you should compare rates from both so you have a total pricing picture.

Additional information can be found below:

• Cellphones, Texting and Driving (iihs.org)
• Things to Know Before you Cancel Insurance (Allstate)
• Auto Insurance 101 (About.com)
• Choosing an Insurance Company (Insurance Information Insitute)