2008 Acura RDX Insurance Rates – 5 Ways to Save

Searching for the cheapest auto insurance rates for your Acura RDX? Saving money on Driversauto insurance can seem to be very difficult for drivers who have little experience online insurance quotes. There are so many different companies and agents to choose from that it can be a difficult challenge to locate the lowest price.

Get cheap insurance rates with discounts

Properly insuring your vehicles can get expensive, but there may be some discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically at the time of purchase, but lesser-known reductions have to be asked about prior to getting the savings.

  • Discounts for Safe Drivers – Drivers without accidents can pay as much as 50% less on RDX insurance than drivers with accidents.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive so you can save 10 percent or more.
  • Discounts for Government Workers – Simply working for the federal government can earn a discount up to 10% on RDX insurance but check with your company.
  • No Charge for an Accident – Not necessarily a discount, but some insurance companies permit an accident before your rates go up if you have no claims for a particular time prior to the accident.
  • College Student – Any of your kids who attend college more than 100 miles from home and won’t have access to an insured vehicle could get you a discount.

One thing to note about discounts is that some of the credits will not apply to the entire policy premium. Some only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like you can get free auto insurance, companies don’t profit that way. Any amount of discount will bring down your overall bill.

To view companies that offer some of these discounts, click here.

Tailor your insurance coverage coverage to you

When choosing coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions may help highlight if your situation would benefit from an agent’s advice.

  • Why am I required to buy liability insurance?
  • When does my teenage driver need to be added to my policy?
  • When do I need to add a new car to my policy?
  • What is the difference between comprehensive and collision coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is a blown tire covered by insurance?
  • Where can I find DUI or SR-22 insurance?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverage information

Understanding the coverages of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like chiropractic care, nursing services, ambulance fees, pain medications and doctor visits. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for liability – Liability insurance can cover injuries or damage you cause to a person or their property in an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as legal defense fees, funeral expenses, attorney fees and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage – Collision insurance will pay to fix damage to your RDX from colliding 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 claims like colliding with a tree, crashing into a ditch, sustaining damage from a pot hole, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverages – This covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like fire damage, falling objects, theft and a broken windshield. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Acura RDX.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

You can do this!

You just learned a lot of ways to save on 2008 Acura RDX insurance. The most important thing to understand is the more times you quote, the better your comparison will be. Drivers may discover the most savings is with the least-expected company.

As you go through the steps to switch your coverage, you should never buy less coverage just to save a little money. In many instances, someone dropped physical damage coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to get the best coverage possible for the lowest price but still have enough coverage for asset protection.

Budget-conscious 2008 Acura RDX insurance can be found online in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies do not provide online quoting and these smaller companies sell through local independent agents.

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