2007 Acura RDX Insurance Rates – 10 Savings Tips

Are you regretting buying an expensive insurance policy? You’re in good company because there are many consumers feeling the pinch from expensive insurance.

Due to the increasing number of online and local companies to choose from, it can be challenging to choose the most affordable insurer.

It’s a good habit to get comparison quotes as often as possible since insurance prices are variable and change quite frequently. Just because you had the lowest price for RDX insurance a few years ago you may be paying too much now. There is a lot of bad advice regarding insurance on the internet, but you can learn some great ideas on how to quit paying high insurance rates.

How to get free insurance coverage quotes online

To find the cheapest auto insurance quotes, there are several ways to compare prices from insurance coverage companies in your area. The quickest method to compare 2007 Acura RDX insurance prices involves getting comparison quotes online. This is very easy and can be done in several different ways.

  1. The simplest way to find low rates would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do repetitive form entry to each individual insurance coverage company. One form will get you rate comparisons from multiple low-cost companies.
  2. A more difficult way to compare prices requires a visit to each individual company website and get a separate price quote. For example, let’s assume you want to compare prices for Liberty Mutual, Geico and GMAC. In order to get each rate, you would have to go to every website and repeatedly type in your coverage information, which is not fast way to get rate quotes. For a handy list of car insurance company links in your area, click here.

You can choose any of those ways to find more affodable coverage, but try to keep exactly the same information for each quote you get. If you have different deductibles it’s not possible to decipher which rate is best. Having just a slight variation in insurance coverages may result in a large different in cost. And when quoting insurance coverage, remember that comparing a large number of companies gives you a better chance of getting the best price.

Do you qualify for discount insurance coverage?

Car insurance can cost a lot, but there’s a good chance there are discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied at the time of quoting, but some need to be manually applied before being credited.

  • Driver Education Discount – Cut your cost by having your teen driver sucessfully take a drivers education course in school or through a local driver safety program.
  • Pay Early and Save – If you can afford to pay the entire bill instead of making monthly payments you can actually save on your bill.
  • Discounts for Cautious Drivers – Safe drivers could pay up to 40% less for RDX insurance compared to accident prone drivers.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices can help prevent theft and therefore earn up to a 10% discount.
  • Military Discounts – Being deployed with a military unit could qualify you for better prices.
  • Low Mileage Discounts – Driving less could earn substantially lower prices.
  • Defensive Driver Discount – Taking part in a driver safety course could cut 5% off your bill and make you a better driver.
  • Federal Government Employee – Active or former government employment can earn a discount up to 10% for RDX insurance with select insurance companies.
  • Telematics Data Discounts – Drivers who elect to allow driving data collection to scrutinize driving patterns remotely such as State Farm’s In-Drive might get better premium rates if their driving habits are good.
  • No Accidents – Drivers who don’t have accidents can save substantially compared to policyholders that have many claims.

As a sidenote, most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce individual premiums such as medical payments or collision. So even though you would think adding up those discounts means a free policy, you aren’t that lucky.

Popular insurance coverage companies and a partial list of their discounts can be found below.

  • State Farm offers discounts for Steer Clear safe driver discount, safe vehicle, Drive Safe & Save, accident-free, multiple policy, multiple autos, and defensive driving training.
  • Farmers Insurance includes discounts for good student, pay in full, homeowner, mature driver, and switch companies.
  • Progressive discounts include good student, multi-vehicle, continuous coverage, multi-policy, and homeowner.
  • Geico may offer discounts for driver training, federal employee, defensive driver, five-year accident-free, anti-lock brakes, and daytime running lights.
  • Auto-Owners Insurance policyholders can earn discounts including mature driver, multi-policy, anti-theft, air bags, and safe vehicle.
  • The Hartford has savings for air bag, driver training, bundle, good student, anti-theft, vehicle fuel type, and defensive driver.
  • Farm Bureau may include discounts for renewal discount, good student, driver training, multi-policy, and youthful driver.
  • USAA may have discounts that include multi-policy, safe driver, driver training, good student, and loyalty savings.

It’s a good idea to ask all the companies which discounts can lower your rates. Discounts may not be offered in your area.

What insurance coverages do I need?

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • Where can I find DUI or SR-22 insurance?
  • Do I benefit by insuring my home with the same company?
  • Am I missing any policy discounts?
  • What is roadside assistance coverage?
  • Is business property covered if stolen from my car?
  • What can I do if my company won’t pay a claim?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I pay less if my vehicle is kept in my garage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does my insurance cover a custom paint job?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance coverage information

Learning about specific coverages of your auto insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types available from auto insurance companies.

Collision protection

This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as scraping a guard rail, damaging your car on a curb, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability car insurance

Liability coverage provides protection from injuries or damage you cause to other’s property or people by causing an accident. Coverage consists of three different 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 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like structural damage, bail bonds, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

UM/UIM Coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your 2007 Acura RDX.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for pain medications, dental work, hospital visits and nursing services. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as theft, damage from getting keyed, falling objects and rock chips in glass. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Don’t throw your cash in the trash

When buying insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. In many cases, an accident victim reduced full coverage only to regret at claim time that the savings was not a smart move. The goal is to buy enough coverage at the best price, not the least amount of coverage.

We just presented many tips how you can lower your 2007 Acura RDX insurance prices. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best price on insurance is with a smaller regional carrier. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as Allstate or State Farm.

Budget-conscious 2007 Acura RDX insurance can be purchased from both online companies in addition to local insurance agencies, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not provide rate quotes online and many times these small, regional companies prefer to sell through independent insurance agents.

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