Drivers have many options when trying to find the lowest priced Acura RDX insurance. They can either spend hours driving around to compare prices or utilize the internet to compare rates.
There is a better way to shop for insurance coverage and you need to know the absolute fastest way to quote coverages on a Acura and obtain the lowest price from local insurance agents and online providers.
Getting cheap 2014 Acura RDX auto insurance pricing can be relatively painless. All you need to do is spend a few minutes comparing rates online from several insurance companies. This can be accomplished by using one of the methods below.
You can choose any of those ways to find more affodable coverage, but make absolute certain that you use exactly the same coverage limits for each comparison quote. If you are comparing different values for each quote it will be impossible to determine which rate is truly the best.
Some insurance providers do not list the entire discount list in a way that’s easy to find, so here is a list some of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy insurance online.
As a sidenote, most discount credits are not given to the entire policy premium. Some only apply to specific coverage prices like liability and collision coverage. Even though it appears adding up those discounts means a free policy, it doesn’t quite work that way.
A few of the larger companies and some of the premium reductions they offer are:
When getting free insurance quotes, it’s a good idea to each company which discounts they offer. Some of the earlier mentioned discounts may not apply in every state. To see a list of insurance coverage companies that offer multiple discounts, click here to view.
When choosing adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique.
For example, these questions may help highlight whether or not you might need professional guidance.
If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.
Many different elements are taken into consideration when pricing auto insurance. Some are obvious like an MVR report, but some are less obvious such as your credit history or your financial responsibility.Consumers need to have an understanding of some of the factors that help determine insurance rates. If you understand what impacts premium levels, this allows you to make good choices that may result in cheaper rates.
Drivers can’t get away from all the ads that claim the best auto insurance rates by companies like State Farm, Geico and Progressive. They all advertise claims that you’ll save big just by moving to their company.
How does every car insurance company make the same claim?
All the different companies quote their cheapest rates for a prospective insured that earns them the most money. A good example of this type of driver might have to be between 30 and 50, is a homeowner, and chooses high deductibles. Any new insured that matches those criteria will get very good premium rates and therefore will save a lot of money.
Drivers who fall short of those standards may be required to pay higher prices which usually ends up with the prospect going elsewhere. The ads state “customers that switch” but not “everyone who gets a quote” save that much money. That’s why companies can truthfully make claims like that.
Because of these techniques, you really should get insurance quotes from several different companies. It is impossible to guess which company will provide you with the cheapest rates.
Having a good grasp of a insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.
This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as damage from a tornado or hurricane, falling objects and fire damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Medical payments coverage and PIP
Med pay and PIP coverage kick in for short-term medical expenses like X-ray expenses, hospital visits and dental work. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not available in all states and may carry a deductible
Collision coverage protection
This covers damage to your RDX resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as driving through your garage door, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.
This protects you from injuries or damage you cause to other people or property. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.
Liability can pay for things like emergency aid, pain and suffering, structural damage and court costs. How much liability should you purchase? That is your choice, but buy as much as you can afford.
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Acura RDX.
Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Lower-priced 2014 Acura RDX insurance is attainable from both online companies and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who may not have price quotes online and these small, regional companies prefer to sell through local independent agents.
As you restructure your insurance plan, make sure you don’t reduce coverage to reduce premium. Too many times, drivers have reduced full coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy the best coverage you can find at the best possible price and still be able to protect your assets.
People who switch companies do it for any number of reasons including delays in responding to claim requests, unfair underwriting practices, high rates after DUI convictions and even extreme rates for teen drivers. No matter why you want to switch, finding the right insurance provider can be pretty painless.
Additional insurance information can be found below:
Mine is so expensive. I live just to the north of Las Cruces, NM. Quoted quotes from Auto-Owners, Mercury, and Travelers for my Acura and saved just over $430 a year. Not sure if rates are cheaper online or through an agent.
Why are claims settled so low?
Not sure if this is cheap. I live on the north side of Little Rock, Arkansas. Received quotes with GEICO, Amica, and Encompass for my 2014 Acura RDX and I think I saved about $50 each month. Left Western Auto Insurance to switch. I got a quote from their website.
I’ve bought from Allstate forever. Cheapest rates in Memphis, TN.
Cheaper not always better. Checking in from Fayetteville, AR. Quoted with American Family, Erie, and MetLife for my 2014 Acura RDX and am saving around $550 a year. Insured with Amica before. God forbid I actually have a claim.
Lots of good stuff here. I live east of Kailua, Hawaii. Don’t remember every company but I ended up saving about $60 each month. I have a couple other vehicles on the policy. It’s easy to compare rates online now.
I switched to 21st Century. Quoted good rates in Portland, OR.
If you’re a decent driver and live around Provo, UT, check out Progressive. You might save some money. Can still barely afford it.
Progressive was cheapest for my 2014 Acura RDX in Mesa, Arizona.
Well-written and thought out article. Found cheapest coverage with Hartford for my RDX and am saving around $230 a year. Was with Esurance.
I live just outside Spokane, WA. Quoted rates from State Farm, AIG Insurance, Erie, and Liberty Mutual for my Acura and I think I saved about $70 each month.
I live east of Shreveport, LA. Quoted quotes with Allstate, Amica, and Esurance for my RDX and I think I am saving around $30 each month. I have a teen driver too. Highly recommended.
If you don’t have tickets and are close to Tacoma, Washington, check out State Farm. You might get cheaper rates. Not sure if rates are cheaper online or not.
Here’s my quote info. Proud to be from Grand Forks, North Dakota. Got rates from Auto-Owners, Nationwide, and a few others for my RDX and saved just over $190 a year. Even increased coverage a bit. Bought it from an online quote.
Here’s my quote info. Lifelong resident of Hartford, CT. Got quotes from GEICO, Erie, and Hartford for my Acura and I think I cut my rates about $30 each month. I got prices on the web.