Save on 2011 Acura RDX Insurance Cost

Trying to find better auto insurance rates? Buyers have many options when searching for the lowest priced Acura RDX insurance. They can either spend hours struggling with agents getting price quotes or utilize the internet to find the lowest rates.

There is a better way to shop for auto insurance so we’re going to tell you the best way to get price quotes for your Acura and obtain the lowest price from local insurance agents and online providers.

Consumers need to get comparison quotes once or twice a year since insurance prices are adjusted regularly by insurance companies. Just because you found the lowest rates on RDX coverage at your last renewal you can probably find a lower rate today. Forget all the misinformation about auto insurance because you’re about to learn the easiest way to eliminate unnecessary coverages and save money.

This article will tell you how to get online quotes. If you currently have a car insurance policy, you should be able to reduce your rates substantially using this information. Consumers just need to understand the tricks to get comparison quotes online.

Compare quotes for car insurance

Getting cheap 2011 Acura RDX car insurance pricing is not a difficult process. All that’s required is to spend a few minutes on the computer to compare free insurance quotes to discover which company has low cost insurance quotes. It’s really simple and can be done in several different ways.

• Experts agree that the best way to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This quick form saves time by eliminating a different quote for every car insurance company. A single, simple form compares rates direct from many companies. It’s definitely the quickest method.
• A different way to get quotes online requires a trip to the website for every company you want to comare to request a price quote. For instance, let’s say you want to compare rates from Auto-Owners, Progressive and American Family. In order to get each rate, you would have to spend time going to each site individually and type in your information over and over, which explains why we recommend starting with the first method. For a list of companies in your area, click here.

However you get your quotes, double check that you are using nearly identical quote data for each price quote. If you use different limits and deductibles on each one it will be next to impossible to determine the lowest rate for your Acura RDX.

Save a ton with these discounts

Companies don’t always publicize all disounts in a way that’s easy to find, so below is a list a few of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.

• Payment Discounts – If you can afford to pay the entire bill rather than paying monthly you could save 5% or more.
• Safe Driver Discount – Drivers who avoid accidents can save as much as half off their rates on RDX coverage as compared to drivers with claims.
• Homeowners Pay Less – Owning a home can help you save on insurance coverage because of the fact that having a home is proof that your finances are in order.
• Multi-policy Discount – If you can bundle your homeowners and auto insurance and place coverage with the same company you could earn a discount of up to 20% off your total premium.
• Military Rewards – Being deployed with a military unit may lower your prices slightly.
• Anti-theft System – Cars, trucks, and SUVs with anti-theft systems are less likely to be stolen and will save you 10% or more.
• Switch and Save Discount – A few companies offer discounts for switching to them prior to your current policy expiration. You could save around 10% when you buy insurance online.
• Anti-lock Brake Discount – Cars and trucks with ABS and/or traction control are safer to drive and qualify for as much as a 10% discount.

Don’t be shocked that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. So when it seems like you can get free auto insurance, nobody gets a free ride. But any discount will bring down the premium cost.

A list of companies and their possible discounts are:

• State Farm policyholders can earn discounts including accident-free, passive restraint, good driver, safe vehicle, anti-theft, multiple policy, and multiple autos.
• Geico has discounts for federal employee, military active duty, membership and employees, driver training, anti-theft, and five-year accident-free.
• Progressive discounts include online signing, continuous coverage, online quote discount, multi-vehicle, homeowner, multi-policy, and good student.
• 21st Century includes discounts for air bags, early bird, teen driver, good student, homeowners, and driver training.
• American Family offers premium reductions for Steer into Savings, bundled insurance, multi-vehicle, mySafetyValet, and defensive driver.
• The Hartford may have discounts that include driver training, anti-theft, defensive driver, vehicle fuel type, bundle, and air bag.
• AAA may offer discounts for good driver, anti-theft, multi-car, multi-policy, AAA membership discount, and good student.

It’s a good idea to ask all the companies which discounts they offer. Some discounts listed above may not be available in your state. To view insurers that offer the discounts shown above, click here.

Insurance coverage can be complex

When choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions can help discover if you may require specific advice.

• Does my medical payments coverage pay my health insurance deductible?
• If my 2011 Acura RDX is totaled, can I afford another vehicle?
• Do I have any recourse if my insurance company denies a claim?
• Are split liability limits better than a combined single limit?
• When does my teenage driver need to be added to my policy?
• Is my custom paint covered by insurance?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Smart consumers know how to quote car insurance more affordably

Consumers need to have an understanding of the rating factors that play a part in calculating the price you pay for car insurance. If you have some idea of what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could result in lower car insurance prices. Many different elements are taken into consideration when pricing auto insurance. Some are pretty understandable such as your driving record, although others are less apparent such as your marital status or your vehicle rating.

• Do you know you’re credit rating? – An insured’s credit score is a large factor in calculating your car insurance rates. Therefore, if your credit can be improved, you may save money insuring your 2011 Acura RDX if you clean up your credit. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers with poor credit scores.
• See if your company offers a multi-policy discount – The majority of insurance companies apply better rates for people who consolidate policies with them, otherwise known as a multi-policy discount. This can amount to five, ten or even twenty percent. Even if you qualify for this discount already, it’s in your best interest to shop around to confirm you are receiving the best rates possible. You may still be able to find a better deal even if you insure with multiple companies
• Driving citations will cost you – Having a clean driving record has a big impact on rates. Getting just one speeding ticket may increase your cost substantially. Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. Drivers with careless violations such as reckless driving or DUI may be required to prove financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
• Your age impacts your prices – Mature drivers are proven to be safer behind the wheel, tend to cause fewer accidents and tend to be get fewer driving tickets.Beginning drivers are known to be less responsible in a vehicle so they pay higher car insurance rates.
• Rate your vehicle for proper use – The more miles you rack up on your Acura annually the more you will pay for car insurance. Many insurance companies price each vehicle’s coverage based upon how the vehicle is primarily used. Cars and trucks left parked in the garage can get a lower rate than cars that get driven a lot. An improperly rated RDX may be costing you higher rates. It’s a smart idea to ensure your car insurance policy reflects annual mileage.
• Vehicles with better crash test results lower car insurance rates – Vehicles that have high safety ratings are cheaper to insure. Vehicles built for safety protect occupants better and fewer serious injuries translates directly to fewer claims passed on to you as lower rates.
• Gender impacts costs – Over time, data shows that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. Males and females get in accidents at about the same rate, but males have accidents that have higher claims. Men also get cited for more serious violations like DWI (DUI) or reckless driving. Male teenagers generally have the highest accident percentage so they pay the highest premiums.
• Never let your car insurance expire – Going without insurance is a sure-fire way to trigger a rate increase. In addition to paying higher rates, not being able to provide proof of insurance can result in a steep fine or even jail time.

Auto insurance coverages and their meanings

Learning about specific coverages of auto insurance can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Auto collision coverage

Collision insurance pays for damage to your RDX from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as rolling your car, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured or underinsured coverage

This provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive protection

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, falling objects and vandalism. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability car insurance

This will cover damage or injury you incur to a person or their property. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims like court costs, attorney fees, bail bonds, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like rehabilitation expenses, EMT expenses and pain medications. They are 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 any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Final considerations

As you quote insurance, never buy less coverage just to save a little money. There are a lot of situations where an insured cut full coverage only to find out that it was a big error on their part. Your strategy should be to find the BEST coverage at an affordable rate.

In this article, we presented a lot of ways to reduce 2011 Acura RDX insurance rates online. It’s most important to understand that the more companies you get car insurance rates for, the higher your chance of finding inexpensive insurance. Drivers may discover the best price on insurance is with a small local company.

Consumers leave their current company for a number of reasons such as high rates after DUI convictions, not issuing a premium refund, policy cancellation or questionable increases in premium. It doesn’t matter why you want to switch finding a new company is not as hard as you think.

More information is located at the links below

• Teen Driver Statistics (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• Tools for Teen Driving Safety (State Farm)
• Car Insurance FAQ (Trusted Choice)