Searching for lower car insurance rates for your Acura RDX? Did a good deal turn into overpriced car insurance? It’s quite common and many drivers feel the same as you.
Big-name insurance companies like Allstate, Liberty Mutual and State Farm all claim big savings with TV and radio ads and consumers find it hard to ignore the propoganda and effectively compare rates to find the best deal.
Smart consumers take time to compare rates once or twice a year since prices are usually higher with each renewal. Even if you got the best quotes for RDX insurance six months ago you will most likely find a better rate today. Block out anything you think you know about car insurance because you’re about to learn the fastest way to find great coverage at a great price.
If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Choosing the best insurance company for you is quite easy. But drivers can benefit from knowing the way companies sell insurance online and apply this information to your search.
Auto insurance can be pricey, but there are discounts available that many people don’t even know exist. Some discounts will apply when you quote, but once in a while a discount must be requested specifically in order for you to get them.
Don’t be shocked that many deductions do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like adding up those discounts means a free policy, you aren’t that lucky.
Companies and some of the discounts can be found below.
Double check with every insurance company to give you their best rates. Some discounts might not be offered in every state. To find auto insurance companies with significant discounts, follow this link.
When it comes to choosing proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Each situation is unique and your policy should reflect that. These are some specific questions might point out whether you could use an agent’s help.
If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.
Insurance companies such as Geico, State Farm and Progressive constantly bombard you with television and radio advertisements. All the companies make the point about saving some big amount after switching your coverage to them. How do they all charge you a lower premium? Here is how they do it.
Insurance companies quote their cheapest rates for the type of driver that will be a good risk. For example, a desirable insured may be between the ages of 30 and 45, insures multiple vehicles, and drives less than 7,500 miles a year. Any driver that hits that “sweet spot” will most likely get cheap car insurance rates as well as cut their rates substantially.
Potential insureds who don’t measure up to these criteria will probably have to pay a more expensive rate which leads to business going elsewhere. If you listen closely, the ads state “people that switch” not “everyone who quotes” save the amount stated. That is how companies can truthfully make those statements.
Different companies use different criteria so you absolutely need to get insurance coverage quotes as often as possible. Because you cannot predict with any certainty which company will be your best fit.
Learning about specific coverages of your auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by auto insurance companies.
Comprehensive auto insurance
This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as vandalism, damage from flooding, a broken windshield, damage from a tornado or hurricane and falling objects. 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 not worth carrying full coverage.
Coverage for uninsured or underinsured drivers
This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Acura RDX.
Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these coverages are set the same as your liablity limits.
Liability auto insurance
Liability insurance will cover damage or injury you incur to people or other property by causing an accident. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.
Liability coverage protects against things like repair costs for stationary objects, medical services, loss of income and court costs. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.
Coverage for medical expenses
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for dental work, nursing services, prosthetic devices and EMT expenses. They are utilized in addition to your health insurance program or if there is no health insurance 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 gives slightly broader coverage than med pay
Collision coverage protection
This coverage covers damage to your RDX resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for claims like colliding with another moving vehicle, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.
As you quote insurance coverage, make sure you don’t buy poor coverage just to save money. There are many occasions where an insured cut liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find at the best price, but do not sacrifice coverage to save money.
We just presented a lot of tips how to lower your 2011 Acura RDX insurance car insurance rates. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the best car insurance rates are with a small local company. These companies may cover specific market segments cheaper compared to the large companies like Progressive or Geico.
More information can be found below: