How Much Does 2010 Acura RDX Car Insurance Cost?

Looking for the cheapest car insurance rates for your Acura RDX? Do you get exhausted from wondering where the money will come from to make your car insurance payment? You are no different than many other consumers.

With consumers having so many options when it comes to car insurance, it can be challenging to locate a lower cost car insurance company.

Consumers need to do price comparisons before your policy renews because insurance rates change quite often. Despite the fact that you may have had the lowest rate on RDX coverage a few years ago you may be paying too much now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to how to use the internet to find better coverage at a better price.

Buying car insurance is easy if you know what you’re doing. If you currently have car insurance, you will most likely be able to lower your premiums substantially using these techniques. Although drivers do need to understand the methods companies use to sell insurance online because it can help you find the best coverage.

How to compare free car insurance rate quotes

To find inexpensive auto insurance quotes, there are several ways to compare rate quotes from companies that offer car insurance in your state. The fastest way to comparison shop is simply to get online rate quotes. This can be accomplished using a couple different methods.

The best way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This easy form prevents you from having to do separate forms for every company. Taking the time to complete one form gets coverage cost estimates from car insurance companies with the best prices.

A more time consuming way to analyze rates is spending the time to visit each company website to complete their respective quote request forms. For examples sake, we’ll assume you want rates from Farmers, State Farm and Geico. You would be required to visit each site and enter your policy data, which can get rather old.

To view a list of companies in your area, click here.

It’s up to you which method you use, but do your best to enter nearly identical coverage limits for each comparison quote. If you have different coverage information it’s not possible to determine the best price for your Acura RDX. Quoting even small variations in coverages may result in a large different in cost. Just keep in mind that comparing more quotes will increase your chances of finding a better price. Some regional insurers cannot provide price estimates online, so you also need to get price quotes from them as well.

Verify you’re getting every discount

Car insurance is not cheap, but discounts can save money and there are some available to cut the cost considerably. Some discounts will apply when you complete an application, but some discounts are required to be inquired about before being credited.

  • Good Student – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Anti-theft System – Vehicles that have factory anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
  • Pay Early and Save – If you pay your entire premium ahead of time rather than spreading payments over time you may have a lower total premium amount.
  • Low Mileage Discounts – Fewer annual miles on your Acura can qualify you for better insurancerates on cars that stay parked.
  • First Accident Forgiveness – but some companies like Geico and Liberty Mutual may permit one accident without getting socked with a rate hike so long as you are claim-free prior to being involved in the accident.
  • Lower Rates for Military – Being on active duty in the military could qualify you for better insurance rates.
  • Drivers Education – Teen drivers should sucessfully take a drivers education course if offered at their school.
  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle up can save 10% or more on the premium charged for medical payments and/or PIP.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. A few only apply to individual premiums such as medical payments or collision. So even though it sounds like it’s possible to get free car insurance, that’s just not realistic.

For a list of insurance companies with discount rates, follow this link.

When should I discuss my situation with an agent?

When buying adequate coverage, there really is no best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether you might need an agent’s assistance.

  • Am I covered by my spouse’s policy after a separation?
  • Should I buy more coverage than the required minimum liability coverage?
  • Should I waive the damage coverage when renting a car?
  • Are split liability limits better than a combined single limit?
  • Are my tools covered if they get stolen from my vehicle?
  • Is my trailer covered?
  • How does medical payments coverage work?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Insurance prices are influenced by these factors

An important part of buying insurance is that you know a few of the rating criteria that help determine car insurance rates. When you understand what positively or negatively impacts your premiums, this enables informed choices that may reward you with better car insurance rates.

  • Costs increase with policy add-ons – Insurance policies have a lot of extra add-on coverages that you can get tricked into buying on your RDX policy. Insurance for things like replacement cost coverage, high-cost glass coverage, and membership fees may be costing you every month. You may think they are a good idea when you first buy your policy, but if you’ve never needed them in the past consider taking them off your policy.
  • Better car insurance rates with anti-theft devices – Choosing to buy a car with advanced anti-theft systems can save you some money. Advanced theft deterrents like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent your vehicle from being stolen.
  • Lower premiums for vehicles with better crash test results – Vehicles with good safety scores tend to be cheaper to insure. Safer cars reduce occupant injuries and better occupant protection means your insurance company pays less which can result in lower premiums. If your Acura RDX is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Cheap rates for being claim-free – If you’re an insured who likes to file claims you can definitely plan on either policy cancellation or increased premiums. Insurance companies generally give the best rates to insureds who only file infrequent claims. Your car insurance is designed for claims that you cannot pay yourself.

Coverage specifics

Learning about specific coverages of your policy can help you determine the best coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average insurance policy.

Liability coverage

This coverage provides protection from injuries or damage you cause to other people or property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like repair costs for stationary objects, funeral expenses, medical expenses, court costs and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as vandalism, falling objects, rock chips in glass and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as backing into a parked car, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for bills like dental work, X-ray expenses, rehabilitation expenses, prosthetic devices and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Affordable insurance is out there

As you quote auto insurance, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage at the lowest possible cost while still protecting your assets.

We covered a lot of techniques to reduce 2010 Acura RDX insurance rates online. It’s most important to understand that the more times you quote, the better your chances of lowering your car insurance rates. You may even discover the lowest priced insurance coverage comes from an unexpected company. These companies may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

Much more information about insurance coverage is available on the following sites: