View 2013 Acura RDX Car Insurance Rates

Trying to find better auto insurance rates for your Acura RDX? Having to pay for expensive Acura RDX insurance can consume your savings account and put the squeeze on your family’s finances. Comparing rate quotes can be a smart way to make ends meet.

You have multiple car insurance companies to buy insurance from, and though it is a good thing to have a choice, it makes it harder to compare company pricing.

You need to do price comparisons every six months since insurance rates go up and down regularly. Just because you had the best deal for RDX insurance a couple years back you will most likely find a better price today. There are lots of tips to save on auto insurance on the internet, but I’m going to show you the easiest ways to save money.

Lower insurance rates with these tips

A large part of saving on insurance coverage is knowing a few of the rating criteria that play a part in calculating the rates you pay for insurance coverage. If you have a feel for what determines base rates, this allows you to make educated decisions that could help you find better insurance coverage rates.

The following are most of the major factors used by insurance companies to determine rates.

  • How’s your driving record? – Only having one driving citation can increase rates substantially. Attentive drivers pay lower auto insurance prices than bad drivers. Drivers who have gotten license-revoking tickets such as reckless driving or DUI may find they need to complete a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Married drivers get cheaper premiums – Getting married may earn you lower rates on insurance coverage. It usually means you are more mature and insurance companies like that drivers who are married are more cautious.
  • Know your credit rating – Having a good credit score is a big factor in determining premium rates. Insureds with very good credit scores tend to file fewer claims and have better driving records as compared to drivers with lower credit scores. If your credit is not that good, you could potentially save money when insuring your 2013 Acura RDX if you clean up your credit.
  • Your address can affect rates – Choosing to live in a rural area may provide you with better prices when insuring your vehicles. Drivers who live in large cities tend to have more traffic problems and longer commutes to work. Less people living in that area corresponds to lower accident rates as well as less vandalism and auto theft.

These discounts can lower your car insurance quotes

Some companies don’t necessarily list every available discount very clearly, so we break down both well-publicized in addition to some of the lesser obvious discounts that you can inquire about if you buy auto insurance online.

  • Passive Restraints – Factory air bags or motorized seat belts may qualify for discounts up to 30%.
  • Claim-Free Discount – Insureds with no claims or accidents pay less in comparison to insureds who have frequent claims or accidents.
  • Homeowners Discount – Owning a house can help you save on car insurance since owning and maintaining a home shows financial diligence.
  • Driver’s Ed – Teen drivers should participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Waiver for an Accident – Not necessarily a discount, but some companies like Progressive, Allstate, and Geico will allow you to have one accident before they charge you more for coverage as long as you don’t have any claims prior to the accident.
  • Active Service Discounts – Being on active deployment in the military can result in better rates.
  • Discount for Multiple Policies – If you have multiple policies and insure them both with the same insurance company they may give you a discount of approximately 10% to 15%.
  • Government Employee Discount – Simply working for the federal government could provide a small rate reduction for RDX insurance with some car insurance companies.

Don’t be surprised that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that adding up those discounts means a free policy, companies wouldn’t make money that way.

Larger car insurance companies and a selection of discounts are outlined below.

  • State Farm offers discounts including driver’s education, anti-theft, defensive driving training, Drive Safe & Save, multiple autos, and safe vehicle.
  • Farmers Insurance offers discounts for alternative fuel, early shopping, business and professional, pay in full, good student, electronic funds transfer, and homeowner.
  • Geico may offer discounts for anti-lock brakes, good student, driver training, federal employee, and defensive driver.
  • American Family has savings for defensive driver, good driver, mySafetyValet, multi-vehicle, early bird, and Steer into Savings.
  • Nationwide policyholders can earn discounts including easy pay, Farm Bureau membership, good student, family plan, and anti-theft.
  • Progressive has discounts for online quote discount, good student, homeowner, multi-vehicle, and continuous coverage.

If you are trying to find the cheapest auto insurance quotes, ask every company which discounts can lower your rates. Some credits may not apply to policyholders in your area.

Different people need different car insurance coverages

When choosing coverage, there really is not a single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that can aid in determining if your insurance needs will benefit from professional help.

  • When should my teen driver be added to my policy?
  • Is a fancy paint job covered?
  • Do all my vehicles need collision coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does insurance cover tools stolen from my truck?
  • Is business equipment covered while in my vehicle?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does coverage extend to a rental car in a foreign country?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Car insurance coverage considerations

Learning about specific coverages of car insurance aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages offered by car insurance companies.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for immediate expenses such as prosthetic devices, chiropractic care, surgery and ambulance fees. They are 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 if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, hitting a deer, rock chips in glass and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Acura RDX.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Coverage for collisions

This pays for damage to your RDX resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sustaining damage from a pot hole, colliding with a tree, rolling your car, crashing into a ditch and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Liability

This coverage can cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as court costs, medical expenses, repair costs for stationary objects and funeral 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 much as you can afford.

In conclusion

Lower-priced 2013 Acura RDX insurance can be found on the web and from local agencies, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers don’t offer rates over the internet and most of the time these smaller companies work with local independent agents.

When you buy auto insurance online, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced liability limits or collision coverage only to regret that the savings was not a smart move. Your goal is to buy enough coverage at the best price but still have enough coverage for asset protection.

In this article, we covered some good ideas how you can shop for 2013 Acura RDX insurance online. The most important thing to understand is the more you quote auto insurance, the better likelihood of getting inexpensive auto insurance. You may be surprised to find that the lowest rates come from some of the smallest insurance companies. These companies can often provide lower car insurance rates in certain areas as compared to the big name companies such as State Farm and Allstate.

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