Cheaper 2014 Acura RDX Insurance Rates

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.

Shop auto insurance online

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.

• If you are pressed for time, the simplest way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This method eliminates the need for multiple quote forms for every company. Taking the time to complete one form gets you coverage quotes from all major companies. Recommended for those who want to invest the least amount of time.
• A more time consuming way to find better pricing requires you to visit the website for each individual company and go through the quote process again. For instance, we’ll pretend you are doing a rate comparison from USAA, Liberty Mutual and Geico. You would be required to spend time on each company’s site to enter the same coverage data repeatedly, and that’s why the first method is more popular. For a list of companies in your area, click here.

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.

Use discounts to get cheaper insurance coverage quotes

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.

• Professional Memberships – Being a member of a qualifying organization is a good way to get lower rates when shopping for insurance coverage.
• Early Signing – A few companies offer discounts for switching to them before your current policy expires. You could save around 10% when you buy insurance online.
• Policy Bundle Discount – If you can bundle your homeowners and auto insurance with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
• Onboard Data Collection – Drivers who agree to allow their insurance company to look at driving habits remotely like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction as long as the data is positive.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course in school.

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:

• American Family may include discounts for Steer into Savings, TimeAway discount, early bird, good driver, multi-vehicle, and mySafetyValet.
• Farm Bureau has discounts for driver training, multi-policy, 55 and retired, good student, and multi-vehicle.
• State Farm has savings for good driver, multiple autos, safe vehicle, Drive Safe & Save, passive restraint, good student, and multiple policy.
• Travelers offers premium reductions for new car, IntelliDrive, good student, student away at school, multi-car, driver training, and hybrid/electric vehicle.
• The Hartford discounts include good student, defensive driver, vehicle fuel type, driver training, bundle, anti-theft, and air bag.
• Geico may have discounts that include multi-vehicle, defensive driver, driver training, air bags, military active duty, and membership and employees.
• Progressive may offer discounts for good student, continuous coverage, multi-policy, multi-vehicle, and online quote discount.

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.

Tailor your insurance coverage coverage to you

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.

• Should I file a claim if it’s only slightly more than my deductible?
• Can my teen driver be rated on a liability-only vehicle?
• Is my camper covered by my car insurance policy?
• What are the financial responsibility laws in my state?
• Is other people’s property covered if stolen from my vehicle?
• What can I do if my company won’t pay a claim?
• Does my medical payments coverage pay my health insurance deductible?

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.

Components of your Acura RDX insurance rates

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.

• With age comes lower costs – Teenage drivers are known to be careless and easily distracted in a vehicle therefore insurance rates are much higher. If you’ve ever had to add a beginning driver onto your insurance can be quite pricey. More experienced drivers are more cautious drivers, cause fewer claims and accidents , and usually have better credit.
• Insure your auto and home with one company – Most larger companies apply discounts to customers who carry more than one policy such as combining an auto and homeowners policy. Even if you qualify for this discount already, you still need to check prices from other companies to help guarantee you have the best rates. It’s possible to still save even more by splitting coverages up.
• Raising deductibles saves money – Physical damage deductibles tell how much you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage coverage, also called ‘full coverage’, is used to repair damage to your car. Some instances where coverage would apply would be a windshield broken by a bird, hail damage, and damage caused by road hazards. The more money you pay before a claim is paid (deductible), the bigger discount you will receive for RDX coverage.
• Drive less and get lower premiums – The more you drive every year the more you will pay for insurance. Many insurance companies price each vehicle’s coverage based upon how the vehicle is primarily used. Autos not used for work or commuting cost less to insure than vehicles that have high annual mileage. Incorrect rating for your RDX may be costing you. It’s a smart idea to ensure your insurance policy shows annual mileage.
• Rates and occupation – Jobs such as lawyerspolice officers and emergency personnel tend to pay the highest rates in part from high stress levels and lots of time spent at work. On the other hand, careers such as actors, athletes and performers have the lowest average rates for RDX coverage.

But they said I’d save $426 a year!

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.

Insurance coverage considerations

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.

Comprehensive coverage

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.

Liability insurance

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.

Keep this in mind

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:

• Event Data Recorders FAQ (iihs.org)
• Teen Driving and Texting (State Farm)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Frontal Crash Tests (iihs.org)
• Understanding Car Crashes Video (iihs.org)