Lower Your 2010 Acura RDX Car Insurance Quotes

Trying to find better insurance prices for your Acura RDX can normally be difficult, but you can learn the following methods and make it easy. There are more efficient ways to find insurance online and you need to know the quickest way to get price quotes on a Acura and find the lowest possible price from both online companies and local agents.

Pay discount rates with these discounts

Some insurers don’t list every discount they offer in an easy-to-find place, so we took the time to find both well-publicized in addition to some of the lesser obvious savings tricks you should be using when you buy auto insurance online.

• Data Collection Discounts – Policyholders that allow data collection to monitor driving habits through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease as long as they are good drivers.
• ABS Braking Discount – Vehicles with ABS and/or traction control have fewer accidents and earn discounts up to 10%.
• New Car Discount – Buying insurance on a new vehicle may earn a small discount compared to insuring an older model.
• Driver Safety – Successfully completing a defensive driving course could earn you a small percentage discount depending on where you live.
• Drive Less and Save – Maintaining low annual mileage could qualify for better car insurancerates on cars that stay parked.
• Early Payment Discounts – If you pay your entire premium ahead of time as opposed to paying monthly you could save 5% or more.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course as it can save substantially.
• Early Signing – A few insurance companies offer discounts for switching companies prior to the expiration date on your current policy. It could save around 10% when you buy auto insurance online.

Keep in mind that many deductions do not apply to the overall cost of the policy. Most only apply to specific coverage prices like medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, you aren’t that lucky.

A few popular companies and some of their more popular discounts are included below.

• Farm Bureau offers discounts including safe driver, renewal discount, multi-vehicle, multi-policy, and driver training.
• State Farm policyholders can earn discounts including multiple autos, multiple policy, student away at school, Drive Safe & Save, accident-free, driver’s education, and good driver.
• Progressive has savings for continuous coverage, good student, multi-vehicle, homeowner, online signing, online quote discount, and multi-policy.
• Allstate discounts include 55 and retired, utility vehicle, safe driver, early signing, EZ pay plan discount, and premier plus.
• Nationwide offers discounts for anti-theft, accident-free, defensive driving, family plan, Farm Bureau membership, and multi-policy.
• MetLife has discounts for good driver, accident-free, good student, claim-free, and defensive driver.

Check with each company or agent to give you their best rates. A few discounts may not apply to policyholders in your area.

Get more affordable insurance premiums by understanding these factors

Consumers need to have an understanding of some of the elements that aid in calculating your premiums. If you know what controls the rates you pay, this allows you to make good choices that could help you find lower rates. Lots of things are taken into consideration when you get a price on insurance. Some factors are common sense like your driving record, although others are not quite as obvious such as your marital status or how safe your car is.

• Youthful drivers cost more – Drivers with little experience have been known to be inattentive behind the wheel so auto insurance rates are higher. More mature drivers have been proven to be more responsible, tend to cause fewer accidents , and usually have better credit.
• Always keep your policy in force – Driving any period of time without insurance can get your license suspended and any future policy may cost more because you let your coverage lapse. Not only will you pay more, the inability to provide proof of insurance could earn you a fine, jail time, or a revoked license. You could then be forced to file a SR-22 with your state motor vehicle department to get your license reinstated.
• Amount of liability protection – Your auto insurance policy’s liability coverage is the coverage that protects you if a jury decides you are liable for causing personal injury or damage in an accident. This coverage provides for a legal defense which can cost thousands of dollars. This coverage is relatively inexpensive compared to other policy coverages, so buy as much as you can afford.
• Pay more if you have a long commute – Being located in small towns and rural areas can be a good thing when insuring your vehicles. Fewer drivers means less chance of accidents in addition to lower liability claims Urban drivers have to deal with more road rage incidents and longer commute times. Higher commute times means a statistically higher chance of an accident.
• Does your vocation raise your premiums? – Careers like military personnel, architects and medical professionals generally pay the highest average rates attributed to intense work-related stress and incredibly demanding work hours. Other professions such as farmers, engineers and homemakers pay the least on RDX coverage.
• Multiple policies with one company can save – Most major insurers will give discounts to buyers that have more than one policy, otherwise known as a multi-policy discount. Even if you already get this discount, it’s always a smart idea to compare other insurance prices to guarantee you are still saving the most. You may still be able to save more without the discount by buying insurance from more than one company.

Your situation helps dictate your coverage

When choosing coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions can aid in determining whether or not you would benefit from an agent’s advice.

• What is the difference between comprehensive and collision coverage?
• What if I don’t agree with a claim settlement offer?
• Is there coverage for injuries to my pets?
• Do I pay less if my vehicle is kept in my garage?
• Do I have coverage when pulling a U-Haul trailer?
• Can I rate high risk drivers on liability-only vehicles?
• Am I covered when renting a car or should I buy coverage from the car rental agency?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Misconceptions in auto insurance advertisements

Drivers can’t ignore all the ads that claim the cheapest car insurance rates from companies such as Progressive, Allstate and Geico. All the ads tend to make the same promise that people will save after switching your policy.

How does each company cost less than your current company? It’s all in the words they use.

Auto insurance companies have a preferred profile for the type of customer that will not have excessive claims. One example of a driver they prefer could possibly be over the age of 40, has other policies, and drives a lower-performance vehicle. Any person who matches those parameters receive the lowest rate quotes and most likely will save when switching.

People who do not meet these standards may receive a higher rate which usually ends up with the customer not purchasing. If you pay close attention to the ads, they say “drivers that switch” not “everybody who quotes” can save as much as they claim. That’s the way insurance companies can lure you into getting a quote. Different companies use different criteria so drivers should do a price quote comparison at every renewal. Because you never know which insurance companies will have better prices than you’re paying now.

Car insurance 101

Knowing the specifics of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Acura RDX.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for bills like surgery, hospital visits and pain medications. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance pays for damage to your RDX caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a building, sideswiping another vehicle and backing into a parked car. 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. Another option is to increase the deductible to save money on collision insurance.

Liability – Liability coverage protects you from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that means you have $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 funeral expenses, pain and suffering, structural damage, medical expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive car insurance – This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, rock chips in glass and fire damage. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Take this to the bank

Lower-priced 2010 Acura RDX insurance is attainable online as well as from insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies may not have internet price quotes and many times these small insurance companies only sell through independent insurance agencies.

You just read a lot of tips how to compare 2010 Acura RDX insurance rates online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding low cost auto insurance. Consumers could even find that the best rates are with a company that doesn’t do a lot of advertising.

While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. There are too many instances where an insured cut comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. The goal is to buy enough coverage at the best cost, but don’t skip important coverages to save money.

Additional articles

• Winter Driving (Insurance Information Insitute)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)
• Where can I buy Insurance? (Insurance Information Insitute)