2008 Acura RDX Insurance Rates

Want the cheapest car insurance rates for your Acura RDX? Comparing and finding more affordable rates for car insurance may be very difficult for beginners to buying insurance online. Since there are so many insurers to choose from, it can turn into a difficult mission to compare rates.

It’s a good habit to do price comparisons at least once a year because prices are usually higher with each renewal. Despite the fact that you may have had the lowest price for RDX coverage a year ago you can probably find a better rate now. You can find a lot of information about car insurance on the web, but I’m going to show you the best ways to lower your car insurance bill.

Finding affordable coverage is not that difficult. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. But car owners must understand how big insurance companies price online insurance and apply this information to your search.

How to lower your car insurance cost

When shopping for car insurance there are multiple ways to compare prices from car insurance companies in your area. The quickest method to find competitive 2008 Acura RDX insurance rates consists of shopping online. This is very easy and can be done in several different ways.

The best way to get quotes for comparison is a comparison rater form (click to open form in new window). This form eliminates the need for separate quotes for each company. Just one form will get you rate comparisons from many national carriers.It’s the quickest way to get rates.

A less efficient way to analyze rates requires a trip to the website for every company you want to comare and complete a new quote form. For examples sake, let’s say you want comparison quotes from Auto-Owners, Progressive and State Farm. To find out each rate you need to spend time on each company’s site and repeatedly enter your information, which can get rather old.

To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just make sure you use apples-to-apples quote data on every quote. If your comparisons have different data you will not be able to truly determine the lowest rate. Quoting even small variations in coverages can result in a big premium difference. And when comparing car insurance rates, know that obtaining a wide range of quotes helps locate the best price.

Are you falling for claims of savings?

Insurance companies such as GEICO, State Farm and Progressive constantly bombard you with ads in print and on television. They all seem to seem to make the promise about how much you will save after switching your coverage. How do they all lower your rates?

Insurance companies are able to cherry pick for the type of driver that will not have excessive claims. An example of this type of risk profile might be between the ages of 30 and 45, carries high limits, and insures a new vehicle. Any new insured who matches that profile may get the lowest prices and is almost guaranteed to save quite a bit of money when switching.

Potential customers who fall short of these stringent criteria will probably have to pay higher premium rates and business not being written. The trick is to say “customers that switch” not “everyone that quotes” save that much when switching. That’s why insurance companies can make claims that they all have the best car insurance rates. Because of these techniques, you should get price quotes at each policy renewal. It’s impossible to know which company will have the best rates at this point in time.

These discounts can reduce car insurance rates

Car insurance can be pricey, but there could be available discounts that you may not even be aware of. Some of these disounts will be visible when you get a quote, but a few must be manually applied before you get the savings.

  • E-sign Discounts</strong – Some of the larger companies provide a small discount for buying a policy and signing up over the internet.
  • Discounts for Government Workers – Active or retired federal employment could qualify for a slight premium decrease for RDX coverage but check with your company.
  • Passive Restraints and Air Bags – Factory air bags may get savings of up to 25% or more.
  • Student in College – Kids who are enrolled in higher education away from home and leave their car at home could qualify for this discount.
  • Pay Upfront and Save – By making one initial payment instead of making monthly payments you could save 5% or more.
  • Senior Citizen Rates – If you qualify as a senior citizen, you could receive a small discount on rates for RDX coverage.
  • Multiple Vehicles – Buying a policy with more than one vehicle on a single policy can get a discount on all vehicles.

You should keep in mind that some of the credits will not apply the the whole policy. Most only apply to the cost of specific coverages such as liability and collision coverage. Even though the math looks like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

A list of car insurance companies and some of the discounts include:

  • GEICO includes discounts for good student, daytime running lights, multi-vehicle, multi-policy, seat belt use, military active duty, and membership and employees.
  • Auto-Owners Insurance discounts include safe driver, multi-policy, paperless, good student, mature driver, group or association, and student away at school.
  • American Family may have discounts that include good driver, mySafetyValet, early bird, accident-free, good student, bundled insurance, and TimeAway discount.
  • Esurance has discounts for renters, Switch & Save, defensive driver, DriveSense, online shopper, and online quote.
  • Progressive may offer discounts for good student, continuous coverage, homeowner, online signing, and multi-policy.
  • State Farm may include discounts for anti-theft, good driver, defensive driving training, multiple policy, passive restraint, and multiple autos.
  • AAA policyholders can earn discounts including education and occupation, pay-in-full, good driver, multi-car, multi-policy, and AAA membership discount.

Before purchasing a policy, check with each company which discounts they offer. Some of the discounts discussed earlier might not be offered in your area. To find companies who offer car insurance discounts, follow this link.

When do I need an agent’s advice?

When buying adequate coverage for your personal vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine if your situation will benefit from professional help.

  • Exactly who is provided coverage by my policy?
  • What vehicles should carry emergency assistance coverage?
  • Do I have newly-aquired coverage?
  • Is a blown tire covered by insurance?
  • Should I buy only the required minimum liability coverage?
  • Where can I find DUI or SR-22 insurance?
  • Am I covered when driving on a suspended license?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Auto insurance coverage considerations

Learning about specific coverages of your auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Auto liability insurance

This provides protection from damage or injury you incur to people or other property. This insurance protects YOU from claims by other people. It does not cover 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. Your policy might show policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like medical expenses, attorney fees, repair bills for other people’s vehicles, bail bonds and medical services. How much coverage you buy is up to you, but buy as high a limit as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your 2008 Acura RDX.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like nursing services, doctor visits, rehabilitation expenses and hospital visits. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hail damage, falling objects, damage from flooding, a tree branch falling on your vehicle and rock chips in glass. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as backing into a parked car, crashing into a building, rolling your car, sideswiping another vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

A fool and his money are soon parted

As you shop your coverage around, it’s a bad idea to reduce coverage to reduce premium. In many instances, drivers have reduced liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

Lower-priced insurance coverage is available both online and with local insurance agents, so get free car insurance quotes from both of them to have the best chance of lowering rates. Some insurance providers may not offer online rate quotes and many times these small, regional companies only sell through independent agents.

We’ve covered a lot of ways to compare 2008 Acura RDX insurance prices online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the best prices are with a smaller regional carrier.

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Comments About 2008 Acura RDX Insurance

  1. Shala Jimenez

    If you have a good history and live around Rochester, NY, check out 21st Century. You might save some money. They were helpful in switching over.

  2. Ona Hartman

    Corporate greed I’m telling you. I live in Newark, NJ. Compared quite a few companies. Saved about $60 a month. State Farm was the cheapest for me. Insured with Hanover before. Get lots of quotes to find the best rate.

  3. Rosina Mcbride

    Will GEICO cancel me if I have an accident?

  4. Tory Gonzales

    Good detail in your article. From northwest of Sioux Falls, South Dakota. Received rates from AAA, MetLife, and some smaller one I can’t remember the name of for my RDX and I think I saved about $30 each month. Moved home policy as well.

  5. Clemencia Snyder

    Here’s my quote info. I live just to the east of Warwick, RI. Compared rates from a lot of places. Saved roughly $60 a month. 21st Century was the most affordable for me. My new agent seems to be really good.

  6. Cleopatra Boyer

    I’m in the suburbs of Charleston, WV. Compared quite a few companies. Saved darn near $40 a month. Allstate was the most affordable for me. Left Encompass to switch. I think they have home insurance too.

  7. Billie Cruz

    I’m just north of Eugene, Oregon. I quoted with Progressive, AIG Insurance, and some I forget for my 2008 Acura RDX and I’m now saving $18 a month. I’m a pretty low risk driver. I recommend comparing lots of rates.

  8. Johnie Gonzalez

    Lots of good stuff here. I live in Charleston, WV. Went online for free insurance quotes for a 2008 Acura RDX. Ended up at about $540 savings annually. Went with 21st Century. Switched homeowners coverage too. Online quotes are the way to go.

  9. Viviana Mcguire

    Corporate greed I’m telling you. Proud to be from Worcester, MA. Received quotes with Allstate, Liberty Mutual, and Farmers for my RDX and saved $290 a year. Insured with The General before. It’s still not cheap enough.

  10. Jaime Black

    Great info, thanks for posting. I live in a small town just outside of Seattle, WA. Quoted with AAA, Sentry, and some smaller one I can’t remember the name of for my Acura and saved just over $370 a year. Insured with GEICO before. Have an at-fault accident tho.