2018 Acura RDX Car Insurance Quotes

Searching for the cheapest auto insurance rates for your Acura RDX? Have you had enough of being strong-armed to insure your Acura every month? Your situation is no different than many other drivers.

Because you have many different company options, it can be impossible to locate the lowest cost insurer.

Which car insurance is cheapest?

Comparing car insurance rates is a ton of work if you don’t know the easiest way. You can waste hours talking to local insurance agents in your area, or you could save time and use online quoting to get prices fast.

Most car insurance companies belong to an insurance system that enables customers to enter their policy data once, and each participating company can give them a price based on the submitted data. This prevents consumers from doing form submissions for each company.

To enter your information into the quoting system, click here to open in new window.

One minor caviat to using this type of system is you can’t choose which insurance companies you want pricing from. If you wish to select specific providers to compare, we put together a list of companies who write car insurance in your area. Click here to view list.

Whichever method you choose, ensure you are comparing nearly identical coverages and limits with each company. If you are comparing mixed coverages it’s not possible to determine which rate is truly the best. Slightly different insurance coverages can make a big difference in price. Just keep in mind that comparing more company’s prices will improve the odds of getting the best offered rates. Some insurance companies are not set up to provide online price quotes, so it’s recommended that you also compare quotes from those companies as well.

Insurance coverage discounts are available to slash your rates

Insurance can be prohibitively expensive, but you might be missing out on some discounts that you may not even be aware of. Certain reductions will be credited at quote time, but some must be inquired about before being credited.

• Anti-theft System – Vehicles that have factory alarm systems and tracking devices help deter theft and qualify for as much as a 10% discount.
• Fewer Miles Equal More Savings – Keeping the miles down on your Acura could qualify for cheaper premium rates.
• Active Military Service – Being on active duty in the military could trigger a small discount.
• Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off PIP or medical payments premium.
• Accident Free – Good drivers with no accidents get the best insurance coverage rates in comparison with bad drivers.
• Anti-lock Brake Discount – Vehicles that have steering control and anti-lock brakes have fewer accidents and will save you 10% or more.
• Home Ownership Discount – Being a homeowner may trigger a policy discount on insurance coverage since home ownership is proof of financial responsibility.
• College Student Discount – Kids who attend college more than 100 miles from home and don’t have a car can be insured at a reduced rate.
• First Accident Forgiveness – Not a discount per se, but a handful of insurance companies will turn a blind eye to one accident before your rates go up with the catch being you have to be claim-free prior to the accident.

You should keep in mind that most credits do not apply the the whole policy. Some only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, you’re out of luck.

Large insurance coverage companies and some of the discounts include:

• State Farm may have discounts that include passive restraint, accident-free, multiple policy, student away at school, defensive driving training, and Drive Safe & Save.
• Liberty Mutual may include discounts for new graduate, hybrid vehicle, newly retired, multi-policy, good student, exclusive group savings, and new vehicle discount.
• American Family offers discounts including TimeAway discount, accident-free, early bird, multi-vehicle, good driver, and Steer into Savings.
• Progressive has savings for continuous coverage, multi-vehicle, homeowner, online quote discount, multi-policy, and good student.
• Farmers Insurance policyholders can earn discounts including distant student, business and professional, bundle discounts, pay in full, and alternative fuel.
• Auto-Owners Insurance offers discounts for multiple vehicles, mature driver, multi-policy, good student, and group or association.
• SAFECO has discounts for drive less, bundle discounts, teen safe driver, anti-lock brakes, and teen safety rewards.

When getting a coverage quote, ask each insurance company to give you their best rates. Some discounts might not be offered in your area. To locate companies who offer discounts, click here.

Everyone needs different auto insurance coverages

When it comes to buying adequate coverage for your vehicles, there really is not a best way to insure your cars. Each situation is unique and your policy should reflect that. These are some specific questions may help you determine whether or not you might need professional guidance.

• What is roadside assistance coverage?
• How high should deductibles be on a 2018 Acura RDX?
• Am I covered if I crash into my own garage door?
• How can I get my company to pay me more for my totalled car?
• How do I buy GAP insurance?
• Can I get a multi-policy discount?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

What auto insurance coverages do you need?

Having a good grasp of a auto insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages available from auto insurance companies.

Collision – Collision insurance pays for damage to your RDX caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as sideswiping another vehicle, colliding with another moving vehicle, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Liability coverages – This coverage protects you from injuries or damage you cause to a person or their property by causing an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

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 liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like pain and suffering, emergency aid, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for bills for dental work, doctor visits, X-ray expenses, EMT expenses and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, theft and fire damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Stretch your dollar

When you buy insurance coverage online, do not skimp on critical coverages to save a buck or two. In many instances, someone sacrificed full coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

More affordable insurance can be purchased both online and with local insurance agents, and you need to comparison shop both to have the best rate selection. A few companies do not offer internet price quotes and many times these regional insurance providers prefer to sell through independent agents.

More detailed insurance information is located in these articles:

• Your Car has been Stolen: Now What? (Allstate)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Car Insurance FAQ (Trusted Choice)
• Teen Driver Statistics (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)