Lower Your 2014 Acura RDX Insurance Rates

Searching for cheaper car insurance rates for your Acura RDX? Nobody that owns a car likes having to buy car insurance, especially knowing the cost is way too high.

Lots of insurers contend for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies to find the absolute lowest rate

You should take the time to compare prices on a regular basis because car insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the best rates on RDX insurance a couple years back you can probably find a better premium rate now. Ignore everything you know about car insurance because you’re about to learn how to use the internet to find the best coverage while lowering your premiums.

Shop insurance online

There are a lot of ways to shop for insurance, and some are more efficient than others. You can waste a few hours (or days) talking to agents in your area, or you could use the web to get the quickest rates.

The majority of car insurance companies participate in a marketplace that allows shoppers to submit one quote, and at least one company provides a quote based on the submitted data. This eliminates the need for quote forms for each company.

To compare rates using this form now click to open in new window.

The single downside to getting quotes like this is you don’t know exactly which providers you will receive quotes from. So if you want to choose individual companies to receive pricing from, we have a listing of the cheapest insurance companies in your area. Click here to view list.

Take whichever approach you prefer, but make sure you use the exact same information on every price quote you get. If you compare mixed coverages it will be impossible to make a fair rate comparison. Just slight variations in limits may result in a large different in cost. And when price shopping your coverage, comparing more company’s prices helps increase your odds of locating the best rates. Some insurance companies are not set up to provide quotes online, so you should also compare rates from those companies as well.

Save $487 a year! What?

Popular auto insurance providers such as Geico, State Farm and Progressive endlessly run ads on TV and radio. They all make the point that drivers will save a bundle if you get a free auto insurance quote and switch to them. How is it possible that every company can give you a lower rate?

Insurance companies have an ideal profile for the type of driver that earns them the most money. For instance, a driver they prefer may need to be over the age of 40, carries full coverage, and does not commute to work. Anyone who matches that profile may get the lowest car insurance rates and will probably save a lot if they switch.

Potential insureds who don’t qualify for this stringent profile will see a higher rate and the prospect going elsewhere. The ad wording is “people that switch” not “all people who quote” save money. That is how companies can make claims that they all have the best rates. Different companies use different criteria so you absolutely need to get a wide range of price quotes. It’s impossible to know which insurance companies will have the best prices for your profile.

Acura RDX insurance premium factors

An important part of buying insurance is that you know some of the factors that go into determining your premiums. If you have a feel for what impacts premium levels, this enables you to make decisions that will entitle you to lower premium levels. Lots of factors are part of the calculation when pricing auto insurance. Some are pretty understandable like an MVR report, but other criteria are less apparent such as your credit history or how safe your car is.

  • Higher rates for tough vocations – Occupations like military personnelpolice officers and miners generally pay higher rates than the rest of us in part from intense work-related stress and lots of time spent away from family. On the other hand, occupations like professors, athletes and retirees receive lower rates on RDX insurance.
  • Filing car insurance claims can cost you more – Car insurance companies give cheaper rates to policyholders who file claims infrequently. If you are the type of insured that files lots of claims you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
  • Pleasure use saves money – Driving more miles each year the higher the price you pay to insure it. A lot of companies charge rates based upon how much you drive. Cars and trucks that do not get driven very much receive better premium rates than vehicles that are driven to work every day. Incorrect rating for your RDX may be costing you higher rates. Ask your agent if your car insurance policy states the correct driver usage.
  • Improve your credit score and save – A driver’s credit score can be a huge factor in calculating your premium rate. Drivers who have very good credit scores tend to be better risks to insure as compared to drivers with lower ratings. If your credit is not that good, you could be paying less to insure your 2014 Acura RDX if you clean up your credit.
  • Experienced drivers save more – Inexperience drivers are statistically proven to be easily distracted when behind the wheel so car insurance rates are higher. Older people are proven to be safer behind the wheel, tend to cause fewer accidents and receive fewer citations.

Auto insurance discounts help slash rates

Car insurance is not cheap, but you might be missing out on some discounts that many consumers don’t even know exist. Most are applied when you purchase, but some may not be applied and must be manually applied prior to receiving the credit.

  • Defensive Driver – Taking time to complete a course in defensive driver may get you a small discount depending on where you live.
  • Membership in Organizations – Affiliation with specific professional or occupational memberships or organizations may earn a discount on your next auto insurance statement.
  • Anti-lock Brake System – Cars equipped with ABS or steering control are much safer to drive and will save you 10% or more.
  • No Charge for an Accident – but some companies like State Farm and Progressive will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
  • No Accidents – Drivers who stay claim-free can save substantially in comparison with insureds who have frequent claims or accidents.
  • Own a Home – Owning a house can get you a discount due to the fact that maintaining a home requires a higher level of personal finance.
  • New Vehicle Savings – Insuring a vehicle that is new can cost up to 25% less since newer vehicles have better safety ratings.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Acura could be rewarded with slightly better premium rates than normal.

Just know that some credits don’t apply to all coverage premiums. Most cut individual premiums such as comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, companies wouldn’t make money that way. But any discount will positively reduce your premiums.

Insurance companies that may include some of the discounts shown above include:

When comparing rates, check with every prospective company to apply every possible discount. Some credits may not apply in your state. To find providers that provide some of the discounts listed above, click here.

Which is the best car insurance?

When it comes to choosing adequate coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that These are some specific questions might help in determining whether your personal situation will benefit from professional help.

  • Should I buy only the required minimum liability coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is a fancy paint job covered?
  • Who is covered by my policy?
  • Does medical payments coverage apply to all occupants?
  • Is my 2014 Acura RDX covered for flood damage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Insurance coverages explained

Knowing the specifics of your insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by insurance companies.

UM/UIM Coverage

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Acura RDX.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like surgery, ambulance fees, nursing services, dental work and X-ray expenses. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision protection

Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as backing into a parked car, hitting a mailbox, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, rock chips in glass, fire damage and theft. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance

Liability insurance can cover damage that occurs to other’s property or people by causing an accident. It 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. Your policy might show liability limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as loss of income, bail bonds and funeral expenses. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

A little work can save a LOT of money

Some auto insurance companies may not offer online price quotes regional insurance providers only sell through independent agencies. Lower-priced 2014 Acura RDX insurance is possible on the web and from local insurance agents, so you need to compare both in order to have the best chance of saving money.

While you’re price shopping online, make sure you don’t buy less coverage just to save a little money. In many cases, consumers will sacrifice liability limits or collision coverage only to find out that they should have had better coverage. Your goal is to buy a smart amount of coverage at the best cost but still have enough coverage for asset protection.

In this article, we covered a lot of tips how to get a better price on 2014 Acura RDX insurance. The most important thing to understand is the more price quotes you have, the better your chances of lowering your car insurance rates. You may even discover the biggest savings come from the smaller companies. These companies can often provide lower car insurance rates in certain areas than their larger competitors like State Farm or Progressive.

More tips and info about auto insurance can be found in these articles: